A QUARTERLY NEWSLETTER FOR THE DISABILITY COMMUNITY
New Horizons Un-Limited Inc. (NHU) is a non-profit organization based in Milwaukee with a mission to make information and life experiences accessible to people with life-long disabilities, their families and caregivers. To learn more about our mission and activities, please visit the New Horizons Un-Limited website at www.new-horizons.org or e-mail firstname.lastname@example.org.
National NewsIRS offers free Income Tax Preparation Assistance
Not sure which credits and deductions to take on your tax return this year? You may wish to seek out the assistance of a trained volunteer from the IRS Volunteer Income Tax Assistance (VITA) Program. This program will help you identify special credits for which you may qualify, such as Earned Income Tax Credit (EITC), Child Tax Credit, and Credit for the Elderly.
This service is offered free of charge to eligible low-moderate income individuals. Most locations also offer free electronic filing. To locate the nearest VITA site, call (800) 829-1040.
It's Worth a ListenNPR commentary: Valuing Life, Whether Disabled or Not
On the Thursday, December 7, 2005 Morning Edition of NPR (National Public Radio), Commentator Ben Mattlin, a quadriplegic since birth, reflected on a memorial service for a disabled friend who passed away. He offers a wonderful and thoughtful reflection on what it means to live a successful life, disability or not. Mr. Mattlin's commentary can be heard at the NPR website. To listen, visit www.npr.org/ and search for Valuing Life, Whether Disabled or Not.
Disability Work Incentives: New Solutions for Old ProblemsIn recent years the Social Security Administration has developed a number of programs aimed at assisting people with disabilities to enter or return to the workforce. Unfortunately however, such efforts have done little in decreasing unemployment rates. Either beneficiaries are unaware of these incentives or do not understand how they may affect their benefits and access to health care. In an effort to increase access to these programs, the National Council on Disability (NCD) released their report, The Social Security Administration's Efforts to Promote Employment for People with Disabilities: New Solutions for Old Problems.
In addition to offering policy recommendations, the report also offers an excellent overview of the programs/incentives available (as shown below) and how they currently assist beneficiaries.
2. Expanded availability of health care services
3. Expedited reinstatement of benefits
4. Postponement of continuing disability reviews
5. Benefits Planning, Assistance, and Outreach Program
This report, while geared towards improving the Work Incentives Program, is a great source of information for service providers and consumers alike. To read the report, visit the NCD website at: www.ncd.gov/newsroom/publications/2005/ssa-promoteemployment.htm.
Focus on Homeownership: A New Year - A New HomeThe New Year is upon us. It is a time for resolutions- a time to start anew. Why not let this be the year when your dream of homeownership is realized. Will your dream be realized overnight - certainly not. There is much to consider when pursuing homeownership. But, with dedication, and a little bit of patience, you can become a homeowner.
Following are a few thoughts to get you started:
1. Weigh the pros and cons of homeownership versus another type of living arrangement.
There are many advantages of owning your own home, including stability of monthly housing costs, tax benefits and investment potential. There are also a number of potential downfalls, however. For example, do you know how your benefits would be impacted? Have you thought about the cost of maintaining your own home?
2. Make sure your credit is in order.
While there are flexible mortgage programs available to homebuyers with disabilities, your credit score can still "make or break" your shot at homeownership.
One issue that may arise is that you have not established a traditional credit record through the payment of credit cards or loans. If this is the case, you can work on building a non-traditional credit record by documenting your monthly payments to your landlord, and your phone and utility providers.
If you have had past, serious credit problems you must take steps to repair your credit score before applying for a mortgage. While increasing your credit score will take time and require an ongoing effort from you, you can see quick improvement by paying down your past debt and by successfully disputing negative information on your credit report.
You are entitled to receive your credit report free of charge once per year. To obtain your free credit report, call (877) 322-8228.
3. Determine what it will take for you to purchase a home.
You must carefully assess your income in relation to the ongoing expense of homeownership. Don't forget to factor in property taxes and energy expenses. Consider potential fluctuations in your income and expenses. You should also identify any upfront costs associated with purchasing the home. For example, how much of a down payment is required, how much are closing costs? Will you need to make any immediate repairs or accessibility modifications to the home?
4. Identify potential community resources.
There are a number of programs and information resources available to homebuyers with disabilities.
Your best bet is to first identify an organization that can assist you with the entire home buying process. One excellent resource is your local Center for Independent Living (CIL). CILs often offer homebuyer education counseling, money management training, and benefits counseling. Some may even offer downpayment and closing cost assistance. To locate the CIL in your area, look in your local phone book under social services: disability. A List of centers is also available online: www.virtualcil.net/cils/.
Another great resource is your local housing counseling agency. To locate an agency in your area, call (800) 569-4287.
5. Identify other potential sources of assistance.
There are many different programs available to first-time homebuyers offering everything from down payment and closing cost assistance to monthly vouchers towards the payment of your mortgage.
Your local Housing Finance Agency (HFA) offers a range of programs designed to assist low-moderate-income people attain a home of their own. In addition to offering assistance to obtain your home, many agencies also offer home modification assistance. To locate your state agency, visit www.ncsha.org/.
Another option is the Section 8 Homeownership Voucher Program. If you currently use a Section 8 voucher to pay for rent, you may be able to use this same voucher to help pay for your mortgage. To learn if your state offers this program, contact your local Public Housing Authority.
6. Identify a lending program.
There are many different lending options available to first-time homebuyers. There is one program in particular, however, that has been designed especially for homebuyers with disabilities - Fannie Mae HomeChoice.
HomeChoice is a mortgage program available to low- and moderate-income people who have disabilities or who have family members with disabilities living with them. HomeChoice mortgages offer flexibility in down payments, qualifying debt-to-income ratios, and credit history. To learn more about this program, call (800) 732-6643.
Homeownership Resources in Wisconsin
EBTIDE offers a Homebuyer Grant Program for Homebuyers with disabilities or for those who have a disabled family member. Up to $7,500 may be available to qualified homebuyers for down payment, closing costs, and accessibility modification assistance. For more information, call (888) 838-9021.
Wisconsin Housing and Economic Development Authority (WHEDA) offers home buying assistance to low-income residents of Wisconsin who are also first-time homebuyers. They not only offer flexible home mortgages but also offer loans for closing costs. For more information, call (800) 334-6873 (Voice) or (800) 943-9430 (TTY).
Wisconsin Partnership for Housing Development offers a number of programs for first-time homebuyers. Among them is Downpayment Plus, a home purchase assistance program, through which income-qualified home buyers can receive grants of up to $5,000 toward a down payment, closing costs, reserves, home ownership counseling or other expenses related to the home purchase. For more information, call the Milwaukee office at (414) 226-0380 or the Madison office at (608) 258-5560.
Wisconsin Centers for Independent Living offer a range of services that can help you realize your dream of homeownership. To locate the center that serves your area, contact the Independent Living Council of Wisconsin at (866) 656-4010 (Voice) or (866) 656-4011 (TTY).
Wisconsin NewsState Park System now accepting applications for accessible cabins
How would you like to enjoy the great outdoors in the comfort of a fully accessible cabin in the state parks of Wisconsin? The Wisconsin State Park System, via the Wisconsin Department of Natural Resources is now accepting applications for the 2006 camping season for the five fully accessible cabins and the two wheelchair accessible "rustic" cabins. The fully accessible cabins feature an accessible bathroom, complete with roll-in shower, as well as an accessible kitchen, bedroom and living room. The two "rustic" cabins are one-room 13' x 13' units and can accommodate up to four. Cabins fill up quickly, so get your applications in as soon as possible! Applications can be received by calling the State Park you wish to visit.
The five fully accessible cabins are located in the following state parks:
Buckhorn State Park in Necedah - (608) 565-2789
The two "rustic" cabins are located in the following state parks:
Blue Mound State Park in Blue Mounds- (608) 427-5711
Winter / Spring Computer Classes
Come and learn all there is to do with a computer!
New Horizons Un-Limited is now offering regularly scheduled computer classes at our downtown office located at, 811 E. Wisconsin Avenue. Classes are designed to give an introductory overview of the most commonly used functions of the computer. We will offer everything from mouse and keyboard exercises to basic e-mail and word processing instruction. These classes are perfect for those just getting started on a computer.
Classes will take place on Tuesday and Thursday mornings and early afternoons. As outlined on the schedule to the right, each day features four 1¼-hour cumulative sessions. Students may choose to attend all 4 sessions in one day or spread the sessions over several weeks. Each day costs just $5 for as many sessions as you wish to attend.
The lab features several adaptive devices, including a Big Keys Keyboard, a Trackball, and a Head mouse. You will also have an opportunity to explore the built in accessibility features of Microsoft Windows 2000, including the narrator, magnifier, and on-screen keyboard.
Sign up early, as class size is limited. Individual, advanced instruction is also available by appointment. For more information or to request a registration form, please call (414) 299-0124.
Weekly Tuesday Schedule
Session 1: Just the Basics (Self-paced) - 9:00 a.m.
Session 2: Hardware and Software - 10:30 a.m.
Session 3: Navigating the Computer - 12:00 p.m.
Session 4: Creating / Opening Documents and Folders - 1:30 p.m
Weekly Thursday Schedule
Session 1: An Introduction to Word Processing - 9:00 a.m.
Session 2: More on Word Processing - 10:30 a.m
Session 3: Introduction to the Internet - 12:00 p.m.
Session 4: Introduction to E-mail - 1:30 p.m.
2006 New Horizons Un-Limited Fundraising Events
Raffle and Silent Auction, March 22nd & 23rd We will be holding our 4th Annual Raffle for Opportunity and Silent Auction on Wednesday and Thursday, March 22-23, 2006 in the US Bank Center Galleria in downtown Milwaukee. The raffle features a number of great prizes including theatre and dinner certificates, hotel stays, spa certificates, and much more. Raffle tickets are now being sold for $1 each, 6 for $5, or 13 for $10. You need not be present to win. The silent auction features a number of elegant gift baskets.
Donations are still being sought for our raffle and gift baskets. If you wish to donate an item, or if you know someone who may, please contact us. To request a complete list of prizes or to purchase tickets, please give us a call at (414) 299-0124.
Benefit Golf Outing, June 7th We will be holding our 3rd Annual Benefit Golf Outing at Hawk's View Golf Club in Lake Geneva, Wisconsin on Wednesday, June 7, 2006. A variety of corporate sponsorships are available. Golf costs $150 per person, $600 per foursome. An early bird discount is available.
We are also in need of volunteers to assist with the coordination of the event. If you are interested in volunteering, or if you would like to participate in our outing as a golfer or sponsor, please give us a call at (414) 299-0124.
Please share this information with all that may benefit.
If you have questions or ideas, information and solutions that you would like to share with us, we can be reached by e-mail at: email@example.com or to use our NHU E-Mail Form or NHU Community Discussion Board, click on the links below.
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