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MOORPARK CITY COUNCIL
AGENDA REPORT
Honorable City Council
Nancy Burns, Senior Management Analyst �
January 22, 2003
Subject: CONSIDER PROPOSALS
GRANT (CDBG) FUNDS
2003/2004
BACKGROUND
(CC Meeting of February 5, 2003)
FOR COMMUNITY DEVELOPMENT BLOCK
(APPROXIMATELY $197,623) FOR FY
This report will introduce key excerpts from nine (9) proposals
the City received in response to a Request for Project Proposals
for CDBG funds for FY 2003/2004, issued December 10, 2002.
Complete proposals, the Consolidated Plan and the FY 2002 -2003
Annual Action Plan are available in the City Hall Large
Conference Room for Council review and are available for public
review upon request.
CDBG projects are expected to address the unmet needs of low
income persons as identified in the Consolidated Plan. Eligible
recipients are those whose income does not exceed 800 of area
median income. Area median income currently is $74,700 for a
family of four (4).
DISCUSSION
Moorpark is expected to receive approximately $197,623 in CDBG
funds for FY 2003/2004. The City's specific funding amount has
not been announced yet, so last year's funding allocation amount
is being used as an approximation of what can be expected for FY
2003/2004.
Public Service programs may be considered for funding based on
anticipation of increased levels of service, or to assist in
000020
Honorable City Council
Date 01/28/03
Page 2
establishing a new service. A maximum of fifteen per cent (15 %)
of the City's annual share may be allocated for Public Service
projects this year, per HUD guidelines. Last year's maximum
Public Service funding was $29,643. Seven (7) proposals for
Public Service projects were received, totaling sixty -five
thousand four hundred twenty -three dollars ($65,423). Two (2)
proposals for Public Improvement projects were received,
totaling nineteen thousand three hundred twenty -five dollars
($19,325).
This year's applications have been summarized as Attachment "A ".
Attachments "B" and "C" provide an overview of past CDBG
funding. Excerpts taken directly from each of this year's
proposals follow this report and its attachments.
Public Service Proposals
All three Public Service programs funded last year are among
this year's applicants for Public Service funds. These include
the Catholic Charities Community Services Program, providing
emergency assistance and referrals to low income residents; the
Senior Nutrition Program, providing nutritious noon meals on a
congregate basis and home delivery for homebound seniors; and
Senior Center Operations (Part -time Staff Assistance), providing
staff assistance for administrative functions and coordination
of activities at Moorpark's Senior Center.
Public Service proposals for programs not currently funded
include the following:
1. Legal Assistance Program for family aid and eviction
prevention for low income households, submitted by the
Commission on Human Concerns;
2. Long -term Care Ombudsman Program to provide advocacy and
support services for seniors in long -term care facilities and
assistance for individuals placing loved ones in long -term care,
submitted by Long -term Care Services;
3. Credit Counseling Service to help low income residents get
out of debt, manage finances, and increase their potential to.
become homeowners, submitted by Consumer Credit Counseling
Service; and
000 ®21
Honorable City Council
Date 01/28/03
Page 3
4. Brown Bag for Seniors, to obtain a bulk protein food
purchase for Moorpark's needy elderly and to support daily truck
transportation of food to the City, submitted by Food Share.
Capital Improvement Proposals
Funds were also requested by Food Share to upgrade and expand
its warehouse space. The RAIN Project requested funds to
remodel existing portable buildings for use as a child
development area.
Joint Powers Agreements (JPAs) between the City and the County
may be considered for some programs, enabling administrative
functions for these programs to be assumed by the County. In
the past, the County has offered to participate in JPAs for the
Long -term Care Ombudsman Program, RAIN, Food Share, and Fair
Housing Counseling, which is considered an Administrative
program.
Given an allocation of approximately $197,623, staff recommends
funding levels as shown in Table 1 below.
Table 1: FUNDING RECOMMENDATIONS BY CATEGORY
FUNDING CATEGORY
HUD LIMIT
STAFF REQUEST
Administration
(including Fair
Housing Counseling)
$24,580
$24,580
Public Service
$29,643
$29,643
Affordable Housing,
Public Improvements
$143,400
$143,400
Approximate Total
Funding
$197,623
$197,623
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Honorable City Council
Date 01/28/03
Page 4
STAFF RECOMMENDATION
1. Open public hearing and receive public testimony for
consideration in the appropriation of FY 2003/2004 CDBG funds
estimated to total approximately $197,623; close public hearing;
2. Refer this matter to the Budget and Finance Committee for
review prior to the next regularly scheduled Council meeting,
directing the Committee to prepare a recommendation for final
appropriations for Council's consideration at the regular
meeting scheduled for March 5, 2003; and
3. Continue this item to the meeting of March 5, 2003.
Attachments:
A Summary of Proposals for FY 2002/2003
B Overview of Past CDBG Funding: Public Service Projects
C Overview of Past CDBG Funding: Other Categories
D Excerpts from Proposals Submitted for FY 2002/2003
000023
Attachment A
CDBG Proposals Received for FY 2003/2004
Number of
Organization Name of Project Anticipated
Moorpark
Beneficiaries
PUBLIC SERVICES
Catholic Charities
Food Share
Human Services Agency
Consumer Credit Counseling Svc
Long Term Care Services
Commission on Human Concerns
City of Moorpark
Subtotal (Public Services)
CAPITAL IMPROVEMENTS
RAIN Project
FOOD Share, Inc.
Subtotal (Capital Improvements)
0 GRAND TOTAL (ALL PROPOSALS)
N
CDBG Proposals Recd Attachment A 2003 -2004
Community Services Program
Brown Bag for Seniors
Senior Nutrition
"Getting Financially Fit" Program
Long Term Care Ombudsman
Legal Assistance
Senior Center Staff
Rehabilitation
Expansion Project
3,449
Unspecified
200
90
165
100
1,250
Amount
Requested
$14,400
$2,000
$13,000
$8,010
$2,000
$13,013
$13,000
Category
Total
Request
Page 1 of 1
$65,423
9 $2,500
Unspecified $16,825
$19,325
$84,748
1/23/2003
Attachment B
CDBG OVERVIEW OF PAST FUNDING: PUBLIC SERVICES
Program 1989/90 1990/91
1991192
1992/93
1993194 1994195 1995196 1996/97 1997/98 1998/99 1999/00 2000/01 2001102 2002103
TOTAL
PUBLIC SERVICES
Adult Literacy $8,000
$5,000
$5,000
$5,000
$5,000
$5,000
$3,600
$1,000 $1,000
$38,600
Catholic Charities
$7,500
$7,500
$8,000
$8,000
$8,000
$6,000
$6,200 $9,097 $5,366 $7,293 $7,330 $7,643
$87,929
Child Health Care
$4,591
$2,000
$6,591
Homeless Ombudsman $500
$500
$500
$2,000
$2,000
$5,500
Legal Services $563 $7,000
$1,200
$3,650
$4,506
$4,506
$1,884
$2,000
$2,000
$27,309
Long -term Care Ombudsman
$2,500
$1,000
$2,000
$2,790
$3,300
$3,000
$1,964
$16,554
PDAP/Teen Counseling
$1,500
$1,500
Senior Center Part-time Staff
$9,200 $10,100 $13,000 $12,000 $12,000 $12,000
$68,300
Senior Equipment
$1,987
$1,987
Senior Survivalmobile
$1,000
$1,000
Senior Lifeline $5,480
$5,480
Senior Nutrition $10,000 $10,000
$10,500
$10,000
$10,000
$12,000
$12,000
$9,000
$9,000 $9,000 $10,000 $10,000 $10,000 $10,000
$141,500
Vocational Training $5,437
$5,437
TOTAL (All Public Service projects)
$407,687
NOTE: Program year 1989 was the first year Public Service projects were funded in Moorpark.
C)
C)
ra
Overview of Past Funding: Public Services 1/22/2003
Attachment C
CDBG OVERVIEW OF PAST FUNDING: OTHER CATEGORIES
Category Total
Organization Amount Funding
AFFORDABLE HOUSING
CEDC $53,540
Networking $5,000
Property acquisition $11,728
Undefined projects $267,220
Total (Affordable Housing) $337,488
CODE ENFORCEMENT
Code Enforcement - Residential $25,000 $25,000
CAPITAL IMPROVEMENTS
Street Improvements, Handicap Ramps
$1,453,116
Food Share
$7,000
ADA Play Equipment (Mountain Meadows Park)
$23,731
Casa Pacifica
$25,000
Boys & Girls Club Re- stucco
$58,000
Boys & Girls Club Re -roof of Teen Center
$20,000
Senior Center Expansion
$483,500
Street Light Improvement Project
$146,876
RAIN (Facility Rehabilitation)
$5,000
Public Park (Acquisition and Improvements)
$143,400
Total (Capital Improvements)
$2,365,623
ECONOMIC DEVELOPMENT
RAIN Project $1,000
Total (Economic Development) $1,000
Total (All Projects other than Public Service) $2,729,111
NOTE: Affordable Housing and Capital Improvement Projects often are funded over multiple years.
Overview of Past Funding: Affordable Housing,
Code Enforcement,
Capital Improvements,
Economic Development
1/22/2003
Attachment D
CDBG Proposals
00002'7
Senior Center Operations
Moorpark Senior Center
CDBG FY 200312004
MEMORANDUM
COMMUNITY SERVICES DEPARTMENT
TO: Nancy Burns, Senior Management Analyst
FROM: Peggy Rothschild, Senior Center Coordinator
DATE: January 16, 2003
SUBJECT: FY 2003/04 CDBG Request
I am requesting Community Development Block Grant (CDBG) funds in the amount of
$13,000 for fiscal year 2003/04 for part-time salaries in the Senior Center Program. The
requested CDBG funds would provide approximately 1380 hours to be spread between
two Recreation Coordinator II positions (about 690 hours each).
The two Recreation Coordinator II positions are responsible for coordinating classes,
special events, and information and referral activities. Additionally, the positions assist
with the production and distribution of the monthly Senior Center newsletter,
coordinating volunteer assignments and tracking hours, performing various fundraising
activities, room set -up, general correspondence, answering phones, tracking program
participation numbers, staffing the Center in my absence, and other general program
activities. In FY 2002 /03, the City Council approved the use of CDBG in the amount of
$12,000 for the aforementioned purposes.
In order to ensure that Senior Center programming meets HUD income levels and is
consistent with the objectives identified in the CDBG contract, intake forms are
completed to determine eligibility for those seniors over and under age 62. The Senior
Center is well on its way of meeting its objective of serving 1250 beneficiaries in FY
2002/03, having served and registered 766 eligible seniors in the first and quarters. Our
goal for serving eligible seniors in FY 2003/04 is 1300, with an anticipated 500 registered
in the first quarter, and an average of 270 for each of the remaining quarters.
cc: Mary Lindley
John Hartnett
000028
Community Services Program
Catholic Charities
CDBG FY 2003/2004
PART III -- Description of Community Needs and Proposed Project
Section A — Community Needs to be Addressed by Project
Please describe the unmet community needs that this project proposes to meet?
Moorpark is home to several thousand extremely low and very low income households, as determined by the recent
HUD and Section 8 income limit guidelines, who are struggling to meet their daily living needs. These families
comprise the working poor, the service industry workers and farm laborers who work hard and are family oriented, who
cannot keep pace with the high cost of housing and daily living expenses. When residents come to the Moorpark
Community Service Center, their household income is assessed by gathering information on their salary and other
possible benefits as listed on the attached intake form.
The staff and volunteers at the Catholic Charities Moorpark Community Service Center provide supplemental food,
eviction prevention assistance, utility assistance, clothing, household goods, holiday food and gifts, a dental outreach
program for Moorpark first graders and an outreach program to frail home bound seniors. Ruben Castro and Patricia
Calderon are the Center's bilingual Client Resource Coordinators who not only provide direct assistance but also
provide invaluable information about services in the community, such as income tax assistance, senior assistance,
substance abuse treatment programs, youth services, legal assistance, insurance application assistance. The goal of
their interventions is to assist people with maintaining stability and self reliance. As the only non -profit social service
agency in Moorpark, the Moorpark Community Service Center staff assisted 3,739 extremely low and very - income
Moorpark residents (unduplicated count) during the 2001 -2002 fiscal year.
Two new programs added during the past fiscal year include the Healthy Smiles Dental Outreach program for
Moorpark first graders who need dental subsidies. Due to a VCCF grant, Patricia Calderon was able to facilitate
$20,000 worth of dental intervention for Moorpark first graders in need of immediate dental intervention. Sr. Gloria
Valdovinos has opened our OASIS outreach program to assist frail homebound seniors living in Moorpark by
connecting them up with services and volunteers. While not under the Center's funding, the Center is her home base
for providing services to frail seniors living in Moorpark.
Section B —Agency's Plan to Meet Community Needs
How will your agency use these grant monies to address these unmet community needs?
The funds that are being requested will be used to cover the salary of Patricia Calderon, our bilingual Client Resource
Coordinator 1 who works 22 hours a week and a portion of Ruben Castro's salary, our bilingual Client Resource
Coordinator 11.
000029
Capital Expansion Project
FOOD Share
CDBG FY 2003/2004
Page 1 of 2
PART 111 -- Description of Community Needs and Proposed Project
Section A -- Community Needs to be Addressed by Project
Please describe the unmet community needs that this project proposes to meet?
Due to a convergence of rising population, cost of living and poverty rates, Ventura County is bracing for
a serious escalation in the need for direct hunger services over the next seven years, a need that will
impact thousands of our local residents. Funding for our capital expansion has taken on an even greater
urgency given the imminent cuts in county, state and federal social services funding.
FOOD Share's capital expansion includes the addition of warehouse space to enhance our food storage
and processing services. A 13,000 square foot new building, located directly across the street from our
current 21,000 square foot location at 4156 N. Southbank Road, in Oxnard, has been purchased and will
be remodeled into a second food bank facility. These capital improvements will expand FOOD Share's
food production capacity by 40 %, providing thousands of additional meals to the hungry.
Capital improvements will enhance FOOD Share's ability to serve the residents of Moorpark. Increased
food production will allow the agency to sort, repackage and distribute more supplemental food to
impoverished youth, adults and seniors residing in Moorpark. The food bank's presence is strong within the
your city, with three distributing charities: Moorpark Catholic Charities, Moorpark Active Seniros and
Villa del Arroyo. The number of individuals receiving food assistance in fiscal year 2001 -2002, over 3,000,
demonstrates the need for direct hunger services; this number is projected to increase by approximately 25%
over the-next four years.
000030
Capital Expansion Project
FOOD Share
CDBG FY 2003/2004
Page 2 of 2
Section B — Agency's Plan to Meet Community Needs
How will your agency use these grant monies to address these unmet community needs?
FOOD Share, Inc. is requesting $16,825 from the City of Moorpark to undertake a major capital expansion that will
enable our food bank to increase food collection and distribution efforts by 25 %, feeding an additional 17,000
Ventura County residents by 2006.
By 2006 specifically in Moorpark, our capital expansion will provide food for approximately 800 additional food -
insecure Moorpark residents.
FOOD Share, Inc.'s capital expansion includes the addition of warehouse space to enhance our food storage and
processing services. A 13,000 square foot building, located directly across the street from our current 21,000 square
foot building, has been purchased and will be remodeled into a second food bank facility.
The ssQecific activities to be funded by this proposed $16,825 grant include a portion of the new salvage receiving
area; salvage sorting equipment/pallet racking; loading dock; window repairs; new roof; and handicapped access
ramps.
1) Salvage Receiving Area $ 5,000
A separate building will serve as the new Salvage Receiving Area. Located directly behind the new warehouse facility,
this new salvage receiving area will allow FOOD Share volunteers to quickly process donated items. FOOD Share has
had to turn away donations due to the inability to receive and quickly process them. Staff and volunteers will work
together sorting mixed packaged products, such as soaps, toiletries and other personal items; certain kinds of non-
perishable items; small appliances and other high - quality merchandise overages received from retailers such as Vons,
Ralph's, Sav -On, and other local and national companies. This salvage receiving area will increase FOOD Share's
food and product distribution by 200% providing thousands of additional meals and supplies to Moorpark residents
and our countywide constituency.
2) Salvage Sorting Equipment/Pallet Racking $ 4,800
New salvage sorting equipment and pallet racking will be permanently installed in the Salvage Receiving Area. This
equipment is an integral component of the salvage operation and includes the "blacklight system" that scans all food
for contamination, food scales, washing sinks, as well as pallets that will hold thousands of pounds of food intended for
distribution countywide.
3) Loading Dock $4,250
The recently acquired second warehouse has the appropriate space to install a first -time loading dock, ideally located
at the new building's floor level, recessed area. Installation of this feature will result in a 50% productivity increase,
due to the new capability of faster truck loading and un- loading.
4) Window Repairs $ 175
Within the new warehouse facility there are ten large permanent commercial windows that must be removed, resealed
and replaced. This work must be completed for optimal energy conservation, heat and cooling regulation and proper
ventilation.
5) New Roof $ 1,600
The current roof on the new warehouse facility is over 20 years old and is in severe disrepair. FOOD Share has
provided temporary repairs during this winter season to prevent leakage, however the current roof will not last another
year. A new roof will provide adequate coverage for this warehouse facility.
6) Handicapped Access Ramps $ 1,000
In order to meet ADA codes, FOOD Share must retrofit the new warehouse facility. This retrofitting includes the
installation of wheelchair access ramps at the front door as well as other areas of the building.
00003JL
Senior Nutrition Program
Human Services Agency
CDBG FY 2003/2004
PART III - Description of Community Needs and Proposed Project
Section A - Community Needs to be Addressed by Project
Please describe the unmet community needs which this project proposes to meet?
In 1999, forty-one percent of Title III service providers nationwide had waiting lists for home- delivered meals,
suggesting a significant unmet need for these meals that has carried into the present. Today, nearly half of all
jurisdictions are reporting waiting lists for both home - delivered and congregate meals. Private donations and the
generosity of the cities in allocating CDBG funds to their respective dining centers and home - delivered meal programs
supplement the basic funding provided by the Area Agency on Aging. The absence of waiting lists in the City of
Moorpark and other cities in Ventura County is solely due to the additional funds the Senior Nutrition program
receives.
Many older adults do not get adequate nutrition. Some older people do not want to cook just for themselves, or do not
like to eat alone. Many older people simply do not know how to prepare nutritious and healthy meals for themselves.
Many have difficulty getting to the grocery store and have a very small support system left to rely upon. Too many of
our participants are surviving solely on social security benefits; most of which is used to pay their bills and purchase
prescribed medications, leaving very Tittle for food. People on a fixed income often have to choose between paying
bills and buying food. These issues lead to depression and isolation. Loneliness and depression can cause loss of
appetite or an apathetic attitude that can make preparing a meal or shopping seem like too great a task. We believe
that the Senior Nutrition Program helps to break this cycle.
Among the elder population of the nation, inadequate nutrition has been associated with being over and underweight,
nutrition - related chronic health conditions, premature institutionalization and longer hospital stays. New reports
indicate that approximately 83% of our older Americans are malnourished upon hospital admissions.
Section B — Agency's Plan to Meet Community Needs
How will your agency use these grant monies to address these unmet needs?
The mission of the Senior Nutrition program is to improve the nutritional status of elderly people in our communities, and
decrease their social isolation. We target services to seniors with the greatest economic or social need. We are
requesting this money to allow us to continue providing this service at the current level for the citizens of Moorpark.
We propose to continue to employ one Nutrition Program Worker II in Moorpark with the help of CDBG funding. This staff
person assists with final food preparation, serving, and clean up. The NPW II plans special events, celebrations, and
educational programs for the participants, in addition to his/her kitchen duties.
000032
Legal Assistance
Commission on Human Concerns
CDBG FY 2003/2004
PART III -- Description of Community Needs and Proposed Project
5ection.A -- Community Needs to be Addressed
Please describe the unmet community needs that this project proposes to meet?
Federal poverty level is pegged at $18,566.00 A year for a family of 4. Under this standard, 4% of families in
Moorpark live in poverty. Many believe that the federal poverty line which was developed in 1954, does not truly
reflect the face of real poverty. A non -profit research group called the California Budget Project released in April 2002
a study that showed that a family of four in Ventura County needs an annual income of $50,993. just to be able to
make "both ends meet'. If we were to take this study as showing the real face of what poverty is, the scenario gets
worse, as 21 % of the City's population would have an income below or less than $50,000. The proposed program will
serve the low- income sector of the City who need legal information, advice and assistance on Family Law to include
Divorce, Child Custody, Child Support, Spousal Support and Paternity Action. Legal services would also include
Conservatorship, Guardianship, Adoption and Landlord- Tenant Issues. Providing access on this type of service to
low- income families positively impacts the City in a way that when an individual or family is provided the legal
assistance as in the case of unjustified eviction, the individual or family is prevented from incurring corresponding
problems and expenses in moving to another house or in some cases even prevent them from becoming homeless.
It is important to note therefore that providing legal assistance to the low- income sector prevent a host of other
possible social problems from occurring so much so that quality of life is not compromised thereby adding value to
living conditions of the City.
Section B — Agency's Plan to Meet Community Needs
How will your agency use these grant monies to address these unmet community needs?
The total requested fund is for $13,012.67. The funds will be used for direct service expenses such as Consultant
Attorney's fees, mileage, supplies and materials and other administrative expenses that will be incurred by the
support staff . ( please see attached budget for breakdown of allocation )
0OU1033
Brown Bag for Seniors
FOOD Share
CDBG FY 2003/2004
Page 1 of 2
PART III -- Description of Community Needs and Proposed Project
Section A -- Community Needs to be Addressed by Project
Please'describe the unmet community needs that this project proposes to meet?
Within.our County, including the City of Moorpark, there is a growing prevalence of seniors and frail
elderly who do not have the economic means to sustain them. Many of these individuals lack family and
social networks and cannot afford to purchase enough food. These seniors are economically insecure due to
the escalating costs of housing, medications and other basic necessities, preventing them from purchasing
groceries.
The number of seniors and frail elderly in need of food services continues to grow countywide. Over the
next seven years Ventura County's current population of 750,000 is estimated to increase by 100,000. The
fastest growing segment of the population is seniors aged 65 to 74 years of age. This cohort is expected to
double by 2030 and the overall senior population is expected to increase by 30 %. Currently senior citizens
comprise 13.63% of the total population, a 19.35% increase in the last ten years. Of the 9.2% of individuals
living in poverty in this county, 6.3% (68% of all. those falling under the poverty line) are senior citizens.'
FOOD Share will use allocated funds to sponsor truck fuel and operation for food transportation from its
Oxnard -based food bank warehouse to Moorpark's partner agencies and Brown Bag sites throughout the
coming year. These proposed funds would also enable a major bulk protein food purchase for
Moorpark's Brown Bag for Seniors Program.
1 2000 Census
J00 ®34
Brown Bag for Seniors
FOOD Share
CDBG FY 2003/2004
Page 2 of 2
Section B — Agency's Plan to Meet Community Needs
How will your agency use these grant monies to address these unmet community needs?
Moorpark CDBG funds, if awarded, would support daily truck transportation of food to your city. We
would also purchase additional high -grade protein foods for the elderly. Additional targeted outreach
within the City of Moorpark will sign up more low- income and disenfranchised residents not currently
accessing our hunger services.
Moorpark site volunteers fill and dispense the brown bags. Recipients pick up their weekly bag at an
assigned site; however, for those who are home bound, volunteers provide free delivery of brown bags.
Typical brown bags include fresh citrus fruits and vegetables, donated breads and rolls, USDA commodities
or FEMA foods (canned goods, rice, beans, etc.), snack foods and dairy produces as available.
1) Bulk Protein Foods Purchase: $1, 000
2) Fuel Allocation $1, 000
FOOD Share's truck transportation fuel and food bank utility costs have been projected to remain at
their shocking high retail prices during the next fiscal year. These increasing costs greatly impact our
"no frills" budget and our ability to provide consistent community hunger services.
FOOD Share will continue to pursue its goal of augmenting the Brown Bags with protein food items as they
become available to us. Through our Food Purchase Coordinator, we make critical bulk protein food
purchases as often as we have the funds available.
00GI0 35
RAIN Project Building Rehab
RAIN Project — County of Ventura
CDBG FY 2003/2004
PART 111 -- Description of Community Needs and Proposed Project
Section A -- Community Needs to be Addressed by Project
Please describe the unmet community needs that this project proposes to meet?
It is estimated that there are between 3,000 to 4,000 homeless individuals in Ventura County with
limited. programs. The RAIN project serves the general homeless population, including individuals
and families, and provides case management, job development, training and search, tutoring,
child care, money management, transportation, counseling, access to health care, 12 -step
programs, parenting skill training, and structured after care in a sober living environment.
Clients become self - sufficient by attaining sobriety, mental and physical stability, obtain
assistance in locating and qualifying for regular employment, save money necessary for deposits
and move -in expenses to unsupported housing. Germane to the long -term success of the clients
is the continuum of care afforded by comprehensive case management from intake and
assessment through regularly scheduled after care.
The RAIN program is scheduled to occupy the new facility on Lewis Road in the Spring if 2003.
The new facility will significantly increase the number of homeless families with children and
singles served by the program. It is estimated the facility will increase capacity from about 60
persons to 90 persons, 60% of whom will be children. Historically, over half of our client children,
or an average of 32 children are under the age of 5 years and not eligible to attend school.
Section B — Agency's Plan to Meet Community Needs
How will your agency use these grant monies to address these unmet community needs?
Funding will allow the rehabilitation of two existing structures on the site for use as a child
development area. Preliminary discussions with area child care providers have shown that the
most economical and sensible solution to the care and nurturing of our pre - school age clients
would be to have on -site activities provided by an outside vendor. There are two former classroom
buildings on the site, immediately adjacent to our play yard, that can be remodeled to
accommodate the needs of the various age children. A restroom facility would have to be
constructed adjacent to one of the existing buildings for use by the occupants and utilities would
be upgraded and re- connected. Handicap access ramps will be constructed and foundations
poured under the existing buildings.
At this point in time, RAIN would like flexibility regarding the use of the CDBG funds, and does not
want to specify what component of the project the CDBG funds will be allocated to. Davis Bacon
wage compliance may be required and RAIN will assure that appropriate wage compliance
measures are taken where applicable.
0 0 U () %31 G
Credit Counseling Service
Consumer Credit Counseling
CDBG FY 2003/2004
Page 1 of 3
PART III -- Description of Community Needs and Proposed Project
Section A -- Community Needs to be Addressed by Project
Please describe the unmet community needs that this project proposes to meet?
Consumer Credit Counseling Service (CCCS) believes financial literacy is crucial to self-sufficiency, family
stability, wealth accumulation, and financial success. Outreach, education, and financial counseling are the keys to
providing people with the necessary tools to unlock the door to achieving their financial goals whether those goals are
getting out of debt, improving their credit history, stabilizing their housing or attaining and keeping their own home.
Most lower and moderate - income families are asset poor. Research conducted by the Federal Reserve
reveals the typical American household holds under $10,000 in net financial assets. Yet, low and moderate income
families often have consumer debts exceeding all assets! Further complicating any attempt to build wealth, welfare -to-
work families often have negative assets, which impacts their ability to effectively move from government assistance to
financial self - sufficiency. Addresses Public Service goal #3 — Provide support services for low- income persons of the
5-year Strategic plan.
Credit Counseling Service
Consumer Credit Counseling
CDBG FY 2003/2004
Page 2 of 3
Many of the people moving from welfare to work are lacking competencies in budgeting, savings accumulation,
and credit. Without these basic skills, they confuse needs with wants and spend their small paychecks on splurges
and whims. Unable to manage their paychecks, they often resort to using cash advance loans or credit to help them
manage paycheck to paycheck. These cash advance "services" charge a fee, but if you calculate the effective interest
rate on the advance, it often is over 450% APR! The working poor can ill afford to be victims of cash advance - payday
loan- "services ".
Many renters are not aware of their homeownership options or believe home ownership is unattainable! Many
new homebuyers are not necessarily equipped to handle the financial responsibility of homeownership and are at risk
of falling delinquent in their first years of homeownership. Addresses Affordable Housing goal #6 — To increase the
potential for homeownership among first -time and /or low- moderate income homebuyers.
Home Equity Conversion enables elder homeowners to covert the accumulated equity in t heir h omes i nto
cash. These types of HEC are reverse mortgages, property tax deferral, and deferred payment loans. Elderly
homeowners who are house rich and cash poor could use the equity in their homes as an income stream to help them
stay in their homes and receive the necessary support as an alternative to institutionalization or to make necessary
structural changes for handicapped access. Addresses Public Service goal #2 — Provide support services for seniors
and Community and Economic Development goal #3 — Remove architectural barriers to improve handicapped
accessibility of the 5 -year Strategic plan.
Domestic violence victims and their children who are fleeing an abusive living situation often flee with only the
most basic items of need — the clothing they are wearing. Their oppressor often controlled the finances, and has
withheld access to the couples financial information and accounts. Many women have little knowledge about what joint
accounts are open, what debt may be owed, and how to protect themselves financially from further financial
obligations. It is essential that women achieve financial literacy skills so they gain the ability to reclaim their lives.
Financial survival skills classes focus on two critical areas — the basics of budgeting and understanding credit and
credit histories. Addresses homeless Individuals /Families goal #3 — Assist homeless i ndividuals /families to obtain
transitional housing with goal of securing permanent housing; #5 - Assist homeless individualstfamilies who are at risk
of becoming homeless; #6 — support the development of transitional housing for homeless individuals and families;
and #7 — Provide outreach, information and referral services to homeless individuals and families.
According to the Census 2000 Profile for Moorpark, 7.0% of the individual population and 4.3 % of families, and
17.1 % of families with a female householder are at or below the poverty status. Further, 16.9% of households and
14.9% of families have household incomes at or up to the level of the average CCCS client. The people we help are
truly the people who are in need in your community.
CCCS' average client is 37.5 years of age, earning $31,932 and spends thirty-three percent of gross income for
housing. Females account for fifty -seven percent of our clients. Over half of all our clients are single, thirty percent
are married, and the balance are divorced or widowed. 67% of our clients are elderly and over age 65. Hispanic
clients account for over twenty percents, Black clients are three percent, Asian clients comprise four percent, Native
population clients are at a half percent, and White clients are at forty percent.
We truly serve the very low to moderate income population as evidenced by our client profile, thereby meeting one of
the national objectives: to benefit persons of low and moderate incomes
00G0 4"S8
Credit Counseling Service
Consumer Credit Counseling
CDBG FY 2003/2004
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Section B - Agency's Plan to Meet Community Needs
How will your agency use these grant monies to address these unmet community needs?
Consumer Credit Counseling Service (CCCS) will provide one- to-one financial counseling to strengthen
financial literacy skills of the residents seeking our services thereby increasing the rate of individual/family self -
sufficiency and ultimately increase wealth for participants seeking our services. Services are available in English and
Spanish.
Consumer Credit Counseling Service will provide the Debt Solver Program to beleaguered individuals /families
who are struggling with too much debt, in which CCCS will work with creditors to develop a repayment plan that
reduces monthly payments, helping to keep the familyrindividual from financial distress and possible displacement.
During 2001 CCCS helped seven households and in 2002, thirty -six households came to us for help. Addresses
Public Service goal #2 — Provide support services for seniors and Community and #3 Provide support services for
seniors. Addresses homeless Individuals /Families goal #3 — Assist homeless individuals /families to obtain transitional
housing with goal of securing permanent housing; #5 - Assist homeless individuals /families who are at risk of
becoming homeless; #6 — support the development of transitional housing for homeless individuals and families; and
#7 — Provide outreach, information and referral services to homeless individuals and families.
Consumer Credit Counseling Service will provide Home Equity Conversion Mortgage counseling to elders and
their families seeking unbiased information regarding reverse mortgage programs. According to the U.S. Census data
435 homes in the City are not mortgaged, and 5.7% of the population is over age 62 and eligible for a reverse
mortgage. Elderly homeowners who are house rich and cash poor could use the equity in their homes as an income
stream to help them stay in their homes and receive the necessary support as an alternative to institutionalization.
Addresses Public Service goal #2 — Provide support services for seniors.
Consumer Credit Counseling Service will provide to individuals and families pre purchase homeownership
education, demystifying the home buying process, preparing residents for homeownership. CCCS will also provide
services to post - purchase home ownership helping them prepare for the financial responsibility that comes with home
ownership, us lessening the risk of delinquency, default and foreclosure. Addresses Affordable Housing goal #6 — To
increase the potential for homeownership among first -time and /or low- moderate income homebuyers.
Financial information that is readily available to the public does not speak to the needs of the welfare -to -work
population. Many have little or no financial life skills. CCCS knows that financial literacy is critical to the successful
development of these individuals. In addition, this population has financial literacy needs that are very difficult to
address by service provider organizations without appropriate curriculum and materials. Our goal is to move this
population to self - sufficiency and give them the necessary skills for independent living so they can be productive and
self - sustaining. CCCS will provide six personal financial literacy skills workshops for the community. Our skilled
facilitators are bi- lingual, speaking English and Spanish. Addresses Affordable Housing goal #6 — To increase the
potential for homeownership among first -time and /or low- moderate income homebuyers. Addresses homeless
Individuals /Families goal #3 — Assist homeless individuals /families to obtain transitional housing with goal of securing
permanent housing; #5 - Assist homeless individuals /families who are at risk of becoming homeless; #6 — support the
development of transitional housing for homeless individuals and families; and #7 — Provide outreach, information and
referral services to homeless individuals and families. Addresses homeless individuals /Families goal #3 — Assist
homeless individuals /families to obtain transitional housing with goal of securing permanent housing.
CDBG funds will be used to pay for direct counseling service expenses such as counseling salaries and
benefits, client file set up and file maintenance.
CDBG funds will also be used to pay for direct financial literacy expenses such as the wages and benefits of
the instructor, outreach materials, instructional material printing costs, postage, and modest refreshments for class
participants. Workshop location fees /rental is included in the proposed budget. CCCS staff will first seek donated
space to be used for the educational sessions, perhaps at the City of Santa Paula community room. If donated space
is unavailable then CDBG funds will be used to secure the workshop location.
Program Administration expenses charged to this program will be for direct supervision of the staff and direct
cost of the audit. Aii Administrative expenses will be limited to ten percent of the submitted program budgej,,,,,.,