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Toinette Rivas: Advisory Board Profile

Toinette Rivas is a founding member of 188bet客户端Compass' Advisory Board.She currently works in institutional equity sales at Bernstein,following several years in research and sales at Credit Suisse.Toinette is a native of Miami,佛罗里达州,科尔比学院毕业。She lives in Cambridge,Massachusetts with her family.

我们最近和Toinette坐下来,进一步了解是什么吸引她参与Compass,以及她希望其他人了解公司的情况。188bet客户端

188bet客户端Compass:You've been involved with 188bet客户端Compass in several different capacities for more than six years.What was it that initially attracted you to the organization?

Toinette:I first learned about 188bet客户端Compass through a friend who was on the Board.I'm a big believer in nonprofits that focus on giving people the tools they need to succeed.也,I grew up in Miami with a mother who is a social worker for the elderly.I've seen how much time she spends with her clients on finances and what they can afford.通过我妈妈的工作,我看到了人们在获得他们需要前进的财务信息方面存在的差距。Solving this gap is at the heart of 188bet客户端Compass' mission.

I also really connect to 188bet客户端Compass because of its focus on serving women and the Hispanic community.My grandparents came to this country from Cuba,and were able to get the tools and help they needed to succeed.Today in Massachusetts,that's not the case for a lot of others,我觉得指南针有助于改变这种状况。188bet客户端

188bet客户端Compass:Can you tell us a little bit about the different ways you've supported 188bet客户端Compass over the years?

Toinette:I've always been involved with the Annual Breakfast Benefit – inviting people in my network to attend,给指南针一个与更多人分188bet客户端享工作的机会。Over the last couple years,I've been involved with the Advisory Board and the Board Program Committee.That's given me the chance to really understand the work 188bet客户端Compass does and its impact,such asthe recent study by Abt Associates on the 188bet客户端Compass model,or the opt-out pilot in Cambridge.

188bet客户端Compass:你提到了为介绍你认识的其他人做了很多工作。188bet客户端What do you usually tell people about 188bet客户端Compass to get them interested?

Toinette:这是一个简单的故事。Everyone has their own personal experience of not understanding a credit card statement or mortgage statement and so on.大家都认识到,我们都得到了帮助,才能到达我们现在的位置,so it's important for us to provide that same support to others.我谈到了这个项目是如何真正专注于支持人们,并为他们提供实现自己目标的工具的。I also talk about the American Dream – 188bet客户端Compass is helping people to build savings,为自己和家人创造更好的生活。

188bet客户端Compass:Do you have any favorite memories from your involvement with 188bet客户端Compass?

Toinette:我最喜欢的部分是指南针的成长。188bet客户端When I met the Founder,雪莉,for coffee six years ago,188bet客户端Compass didn't even have its own office in Boston.It's incredible to have watched the organization grow from Cambridge and Lynn to across New England and the nation.这种模式是如此的可扩展性,指南针真的有如此大的机会改变如此多的人的生活。188bet客户端I also love seeing the individual client's stories –罗萨视频is my favorite.

188bet客户端Compass:Do you have any big goals or ideas that you'd like to bring to your work with 188bet客户端Compass in the future?

Toinette:我知道Comp188bet客户端ass非常注重为家庭服务,但我觉得有机会帮助更多的年轻人制定一个金融路线图。Some of the basic financial education that 188bet客户端Compass provides can help young people,too.My sister is a volunteer with a mentoring program and I was able to connect her mentee with a coach at 188bet客户端Compass for some advice.It was great to see how that kind of connection was such a help to her,too.

第一批在费城参加我们新的FSS计划的人的反映

In late October,188bet客户端Compass celebrated our new FSS partnership in Philadelphia at an event hosted by GreenLight Fund - Philadelphia.The event included Philadelphia's top leaders across the nonprofit sector,corporate executives,entrepreneurs and investors,and city and state government leadership,as well as our partners Philadelphia Housing Authority and Clarifi.

Akirah Pressley先生,who is one of the very first people to enroll in this new program,在发布会上分享了以下文字:

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Good evening.我的名字叫Akirah Pressley选择,主题and I am one of the first people to enroll in the 188bet客户端Compass FSS program run by Clarifi.

I was born and raised in Philadelphia.I am 26 years old,and have moved over 20 times in my lifetime.That is one reason why my main goal in this program is to 金宝搏备用网址become a homeowner.I want a place called my own,and the stability that owning a home can give.

The other reason I want to own a home is my son.He will be 9 years old next month.I don't want him to go through the same things that I had to go through.I want him to have a place that he can point to and say "this is where I grew up."

我儿子很小,when I was 17.I've learned a lot of things since then,但我必须自己学习。我想要的比我拥有的和我来自哪里更好。我想让我儿子过得更好。

如果不是为了PHA,I wouldn't be able to pay my rent.I know a lot of people are embarrassed of being on PHA.They won't go in to ask for help or resources.And there's a lot of people with negative things to say about people on PHA,就像你带着这些额外的钱到处走一样,因为PHA帮你付房租。你必须明白,你赚的钱被分解成一个百分比。And I still have to pay my own gas and electric,开始工作,take care of my child.What I want is to not have to wonder where I'm going to get the money to take care of things in my life,to have to choose between paying a bill or something else.I've been working at it,and every year I 金宝搏备用网址become better.

But I feel like if I had had someone to guide me,that there's a lot of things I went through that I wouldn't have had to go through.

Clarifi is one place that has already really helped me.I've been working with Clarifi since 2015.I feel appreciated at Clarifi.I feel like you all care that I am a person who wants to do better.You want to help me because I want to help myself.With Clarifi's help,I've worked on bringing down my debt and have started to build some savings.我已经尽了我所能,but I would like to have been able to save more.

I know I need to save more in order to reach my goals,这个FSS计划意味着我不必一个人去做,on my own.I started off in my first job making $5,000 a year,working part-time as a retail associate at Macy's.Now I work as a one-to-one assistant in Philadelphia Public Schools,and have another job as well.

I know with this program that the more I make,the more I save.The program rewards me for hard work.That's a motivation for me.Right now,I'm in school part-time for early childhood education.我计划最终开办自己的日托店。And when I do,I want it to be a place where other parents can learn about programs and resources that can help,because I am the type of person who will share what I learn,when I find something that's beneficial to me.

I also share what I learn with my son.At 8 years old,他已经知道了信用卡和借记卡的区别。He has also started his own savings,and we are planning to open a savings account for him soon.

To close,我只想说,我相信每个人都应该有机会和机会做得更好,and that there a lot of people in Philadelphia who are looking for a program like this.谢谢您。

188bet客户端Compass hosts first annual graduation celebration in Cambridge,MA

11月13日,over 100 people gathered to celebrate the first class of graduates from the FSS+ program that 188bet客户端Compass runs in partnership with Cambridge Housing Authority in Cambridge,马萨诸塞州。

Guests included program graduates,their families,Cambridge Housing Authority and 188bet客户端Compass staff,as well as several friends and supporters of 188bet客户端Compass.

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在过去的五年里,这86名毕业生总共在他们的项目储蓄账户中节省了超过46万美元!These graduates have used those savings to improve their financial security and work toward their financial goals,such as purchasing a home,improving credit,或者建立紧急储蓄以确保未来的意外挑战不会使他们的家庭偏离轨道。

The evening included dinner,remarks from 188bet客户端Compass and Cambridge Housing Authority staff,a presentation of certificates,and reflections from two members of this graduating class.

Program graduate Nanouce Saint Fort shared about how she has opened a college savings account for her son,她朝着成为护士的目标前进。"I'll be the first one to say that I'm in a much different situation today than I was five years ago,and I know I'm not the only one!I think many of us here can say the same,"Nanounce shared."This program helped me see that opportunities are out there."

Gardite Fougy,另一个项目毕业生,shared how being a mother of three children encouraged her to join the program and work toward her goals - like improving her credit and becoming a homeowner.回想她进入FSS+项目之前的生活,Gardite had this to say:"I remember always thinking about how I was going to survive through next week – put food on the table,put gas in the car to go to work,从薪水到薪水……我们所有人都走了这么长的路。我希望我们能让其他人看到他们能做到,也是。”

From all of us at 188bet客户端Compass,congratulations again to all of the graduates.We can't wait to hold more celebrations like this one in the future.

Abt Associates releases interim cost-benefit analysis of 188bet客户端Compass programs

Today,the global research firm Abt Associates released an interim cost-benefit analysis of 188bet客户端Compass Family Self-Sufficiency (FSS) programs in Lynn and Cambridge,马萨诸塞州。

The study found that participants in these programs gained more than $10,000 in increased income over a five-year period as a result of participation in the program,政府只需支付每位参加者276美元的净成本。The $10,000 figure accounts for reductions to participants' federal benefits,比如联邦福利,as their earnings improved.这些削减——连同其他成本节约——抵消了项目管理成本的97%。

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Rigorous,independent study confirms impact of 188bet客户端Compass FSS program on family economic security

Abt Associates released today结果of their rigorous evaluation of 188bet客户端Compass Working Capital's model for the federal Family Self-Sufficiency (FSS) Program.The report points to 188bet客户端Compass's model as a promising approach for helping participants in federal rental assistance programs to increase earnings,build assets and pay down debt.

This study joins a small number of rigorous evaluations of the FSS program that have been conducted to date.It is the first study to examine credit and debt outcomes for FSS program participants,which are two key indicators of household financial security.ABT Associates跟踪了Compass与林恩和剑桥当地住房管理局合作提供的FSS项目的租金援助受益者,188bet客户端马萨诸塞州。

平均40个月后,Compass FSS计划的参加者比他们188bet客户端的同龄人赚得更多,领取的福利金也更少。They also achieved positive credit and debt outcomes that exceeded benchmarks.Specific findings include:

  • Increased Earnings:Participation in the 188bet客户端Compass FSS program was associated with an average gain in annual earnings of $6,305

  • Reduced Debt:188bet客户端Compass FSS参与者的贬损债务总额平均减少764美元,信用卡债务平均减少655美元。

  • Stronger Credit:平均学分提高了23分,among those 188bet客户端Compass FSS participants who entered the program with a score.The share of participants with a prime credit score rose by 14 percentage points.

  • Reduced Welfare income:Participation in 188bet客户端Compass FSS was associated with a decline of $496 in annual welfare payments

FSS is a 25-year old U.S.Department of Housing and Urban Development (HUD) program designed to help recipients of federal rental assistance make progress toward economic security.The evaluation confirms that well-run,voluntary FSS programs can support families with low incomes to increase their earnings and 金宝搏备用网址become more financially secure.These results also add further weight to calls to streamline and improve the FSS program - a chief aim of the两党立法recently introduced by U.S.Senators Roy Blunt (R-MO),Jack Reed (D-RI),Tim Scott (R-SC),and Bob Menendez (D-NJ).

188bet客户端Compass partners with public housing authorities,nonprofit housing organizations,and private housing owners to administer an innovative asset building approach to FSS.Like traditional FSS programs,188bet客户端Compass FSS provides participants with an escrow account that increases in value as participants' earnings and rent contributions increase.In addition,188bet客户端Compass FSS offers client-driven financial coaching to help participants build their financial capability and savings,pay down high-interest debt,在实现就业目标、提高信用评分和预算方面取得进展。188bet客户端Compass now operates this FSS model at ten sites in Massachusetts,Connecticut,and Rhode Island.该组织还支持全国各地的地方合作伙伴将指南针FSS模式的核心方面纳入其地方FSS计划,188bet客户端through a national training and technical assistance network.

Click here在ABT Associates的网站上了解该研究的更多信息。

188bet客户端Compass featured in new best practices training on HUD FSS program

188bet客户端Compass is a national leader in the operation of HUD's Family Self-Sufficiency (FSS) program.Over the past two years,我们有机会在HUD召集的全国实践社区中发挥领导作用,以确定FSS项目管理和服务提供方面的最佳实践。

That body of work recently culminated in the release of several new tools by HUD to assist public housing authorities and private owners who currently operate an FSS program,or are considering starting a program.这些工具-包括在线培训和指南-现在可以通过HUD的网站和Compass和我们的执行董事提供的功能见解,188bet客户端Sherry Riva.

Click to view the complete在线培训andguidebook.

To jump to some of the sections featuring Sherry,click在这里,在这里,or在这里.

188bet客户端Compass featured on blog of America Forward,a national nonpartisan policy initiative

《美国前进》是国家风险慈善基金新利润的一项无党派政策倡议,and works to advance a public policy agenda that champions innovative and effective solutions to our country's most pressing social problems.In the run up to this year's presidential election,America Forward has been featuring leaders from several of its coalition members on its blog to talk about some of these solutions.Today's post was authored by Sherry Riva,188bet客户端Compass的创始人兼执行董事,and looks at ways that government and nonprofits can partner together to create more pathways out of poverty for more low-income families in the U.S.To read the blog post and check out the rest of the America Forward blog,click here.

A letter from 188bet客户端Compass's Executive Director on the launch of our National FSS Network

On Monday,September 19,2016年188bet客户端Compass正式启动了我们的国家FSS网络,它将向全国的执行伙伴提供培训和技术援助。作为发射的一部分,these founding partners gathered for three days of training to learn more about how to integrate aspects of 188bet客户端Compass's asset building model for the Family Self-Sufficiency (FSS) program into their own local FSS programs.

为了庆祝这个令人兴奋的指南针新事业,188bet客户端our Founder and Executive Director,Sherry Rivacomposed a letter detailing the history of this effort and our vision for this network.单击此处阅读全文.

188bet客户端Compass selected as finalist for statewide NonProfit Excellence Award

188bet客户端Compass很荣幸被马萨诸塞州非营利组织网络(MNN)选为非营利创新卓越奖的决赛选手。According to MNN,judges reviewed over 200 nominations for seven nonprofit awards,honoring the "dedication,passion,and impact" of nonprofit organizations and leaders across the state.获胜者将于6月27日公布。2016 at the State House,作为该组织年度非营利宣传日的一部分。我们期待着这一天与所有出色的决赛选手以及其他致力于改善马萨诸塞州所有人生活的伟大组织联系在一起。

For more about the awards and a complete list of finalists,click here.

188bet客户端Compass releases report on national roundtable "Integrating Asset Building and Financial Capability Strategies into Subsidized Housing Programs"

On November 19,2015,more than 65 practitioners,policymakers,advocates,and researchers gathered at a roundtable sponsored by 188bet客户端Compass Working Capital to discuss opportunities to integrate asset building and financial capability strategies into subsidized housing programs.The roundtable focused in particular on opportunities offered by the Family Self-Sufficiency (FSS) program – an initiative of the U.S.Department of Housing and Urban Development (HUD) designed to help residents of subsidized housing increase their earnings and build savings.The roundtable also considered a broader set of opportunities,including the possibility of modifying the basic model of subsidized housing to build in regular,automatic savings for all housing subsidy participants.

作为圆桌会议的后续行动,188bet客户端Compass is pleased to release a report that summarizes the broad themes discussed at the roundtable and captures a set of next steps for moving forward a common agenda designed to maximize opportunities for subsidized housing participants to build assets and financial capability.Click the image below to view the full report.

188bet客户端剑桥住房政策创新试点指南

This winter,in partnership with Cambridge Housing Authority (CHA),188bet客户端Compass will launch a pilot project to test the impact of automatically providing all residents of a public housing development with a special savings account,居民因收入增加而支付的租金增加一半,Cha将存入其中。Check out this blog postfrom our partners at Abt Associates to learn more about the program and its potential to reshape the experience of subsidized housing programs for many low-income families.

188bet客户端Compass执行董事任命GLG社会影响研究员

我们很高兴和大家分享雪莉·里瓦的故事,Founder and Executive Director of 188bet客户端Compass Working Capital,has been named a 2015 GLG Social Impact Fellow.“社会影响奖学金”使12位领导人及其组织能够持续获得GLG全球教学成员的一对一学习。It is an honor for 188bet客户端Compass to be included alongside other nonprofit leaders and social entrepreneurs who are implementing innovative approaches to address complex social issues.To learn more about the fellowship and this year's class,visitglgsocialimpact.com/fellowsor watch this short video on the recent fellows convening in New York:

GLG Social Impact Fellowship brings together twelve of the world's most promising nonprofit leaders and social entrepreneurs.To kick-off the Fellowship,GLG convened the Fellows for two days of teaching,learning,与GLG社区建立联系。今年的课程重点关注关键挑战,包括医疗保健,poverty,持续性,and girls' and women's empowerment.

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GLG Social Impact Fellowship brings together twelve of the world's most promising nonprofit leaders and social entrepreneurs.To kick-off the Fellowship,GLG convened the Fellows for two days of teaching,learning,与GLG社区建立联系。今年的课程重点关注关键挑战,包括医疗保健,poverty,持续性,and girls' and women's empowerment.

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GLG Social Impact Fellowship brings together twelve of the world's most promising nonprofit leaders and social entrepreneurs.To kick-off the Fellowship,GLG convened the Fellows for two days of teaching,learning,与GLG社区建立联系。今年的课程重点关注关键挑战,包括医疗保健,poverty,持续性,and girls' and women's empowerment.

Announcing National Roundtable on Integrating Asset Building and Financial Capability Strategies into Subsidized Housing Programs,由Compass主持188bet客户端

11月19日,2015,188bet客户端Compass将与住房和资产建设领域的国家领导人以及政府机构举行圆桌会议,researchers,policy experts and funders to build consensus on the expanded integration into housing assistance of promising strategies that support low-income families to build assets and financial capabilities.Special focus will be paid to immediate opportunities within the Family Self-Sufficiency (FSS) program to support thousands of U.S.families to move up and out of poverty.

有关更多详细信息和了解如何参与,click here.

188bet客户端指南针FSS程序在琳恩选择卡明斯基金会100K为100

卡明斯基金会,one of the largest charitable foundations in New England,has selected 188bet客户端Compass as one of 100 Massachusetts nonprofits to receive a $100,000 grant.This support will help provide increased coaching and support to families in Lynn as they approach program graduation and take important steps toward greater financial security.To learn more about our Family Self-Sufficiency (FSS) Program in Lynn,与林恩房屋管理局和邻里发展合作经营,点击这里。

图为:林恩-卡洛斯·兰加的指南188bet客户端针小组,Sandra Suarez,和爱丁生语料库-庆祝从卡明斯基金会拨款100000美元支持我们的琳恩FSS计划。

Pictured:The 188bet客户端Compass Team in Lynn - Carlos Langa,Sandra Suarez,和爱丁生语料库-庆祝从卡明斯基金会拨款100000美元支持我们的琳恩FSS计划。

188bet客户端《波士顿星期日环球报》精选指南针毕业生

On Sunday,May 24th,The Boston Globe ran a piece on four local familieswho have succeeded in moving up and out of poverty.故事以维尔马里斯·辛特隆为主角,a graduate of one of our financial coaching and savings programs operated in partnership with Lynn Housing Authority and Neighborhood Development.


Our programs support residents of subsidized housing to build savings and assets as a pathway out of poverty.With support from 188bet客户端Compass,Vilmarys transitioned out of public housing,purchased her own home,and launched an in-home daycare business.Click hereto read more about Vilmarys's story and those of other 188bet客户端Compass families.