People's Self-Help Housing

opening doors. Building neighBorhoods. improving lives. | 1

Peoples’ Self-Help HousingServing San Luis Obispo, Santa Barbara, and Ventura Counties

■ Groundbreaking ceremony of the new Pismo Creek Bungalows. ■ Parizek family moves into their new self-help home in Templeton. ■ 350 children daily benefit from PSHH youth education programs. ■ Ventura’s El Patio Hotel provides housing for veterans.

ANNUAL RepoRt to the commUNityopening doors. building neighborhoods. improving lives.

2011providing housing people Can Afford. making our Communities Work.

2 | opening doors. Building neighBorhoods. improving lives.2 | opening doors. Building neighBorhoods. improving lives.

Our Mission: To provide affordable housing and programs leading to self-sufficiency for low-income families, seniors, and other special needs groups on California’s Central Coast.

The mission of Peoples’ Self-Help Housing has been achieved in many ways! Since its inception in 1970, over 1,150 first-time home buyers have built their first home under our supervision. We have built or renovated over 1,350 units of affordable residential housing, apartments, and single-room-occupancy hotels. These serve the disabled, seniors, mental health clients, working low income families and farmworkers.

After-school education services are available to 350 children in learning centers operating at seven of our 41 properties, and life skill-building opportunities are provided to residents. More than 4,000 low-income adults and children are served by PSHH in 25 communities in San Luis Obispo, Santa Barbara and Ventura counties.

2011 achievements to be celebrated include obtaining financing and construction of 33 new rental units in the City of Carpinteria, completion of the 41-unit El Patio Hotel restoration in Ventura for the formerly homeless, behavorial health clients and veterans, the renovation and preservation of 53 affordable rentals in Templeton, and the start of construction for 14 rental units in Pismo Beach and 29 self-help built homes in Templeton. Work continued in Lompoc to assist with efforts to preserve affordable housing developed by a dissolving non profit organization.

Peoples’ Self-Help Housing’s charter from NeighborWorks was made official in February 2011. NeighborWorks is a national community development organization that will provide training and funding opportunities in the future to further the PSHH mission. Grants from the Santa Barbara Foundation, Outhwaite Foundation, Wells Fargo Foundation, Rabobank, Yardi Systems, and many others have enabled PSHH programs and projects to move forward. Generous individual donations provide further evidence of Central Coast community support.

Successes in 2011 were not without financial challenges due to federal and state fiscal cutbacks and the elimination of redevelopment agencies in California. To enable ongoing operations, the PSHH board and staff are vigilant in pursuit of alternative financial resources. On the horizon will be continued efforts to reach out to the Central Coast community for continued expansion of projects and programs.

As 2012 progresses, we look forward to continuing our mission with your support!

Carolyn Johnson Jeanette duncan Board president executive director

from the board president & the executive director

A messAge for you

Jeanette DuncanExecutive Director

Scott SmithDeputy Director

John Fowler, CPAChief Financial Officer

Charles Clegg Chief Operating Officer, The Duncan Group

Rochelle Rose CFREFund Development Director

Sheryl FloresSelf-Help Home Ownership Development Director

John KukulkaRental Development Department Manager

Rick Gulino LCSWSupportive Housing Program Manager

Javier Ortiz Information Technology Manager

Erin AvilaHuman Resource Manager

mAnAgemenT TeAm 2012

Carolyn Johnson – PresidentPlanning Manager, City of Pismo Beach

David Gustafson – Vice PresidentRetired, City Housing & Redevelopment Manager, Santa Barbara

Jolie Ditmore – SecretaryMedical Consultant, Morro Bay

Charles E. Fruit – TreasurerBank Vice President, San Luis Obispo

Dieter Eckert, M.D. Physician, Radiology, San Luis Obispo

B. Ray Gateley Civil Engineer, Santa Barbara

Jeannie Barrett, Esq. CRLA Attorney, Santa Maria

Jose FloresContractor, Lompoc

Mirella Ortega-AlvarezResident, Homemaker, Carpinteria

Karol Schulkin, MSWHomeless Services Program Coordinator, Ventura

Rev. Charles StacyRetired Episcopal Rector, Solvang

our 2012 BoArd of direCTors

opening doors. Building neighBorhoods. improving lives. | 3opening doors. Building neighBorhoods. improving lives. | 3

finAnCiAl informATion

sTATemenT of ACTiviTies

revenues, gAins, And oTher supporT

Affordable housing rental income and rent subsidies government grants and contributions Construction management and feesinterest, dividends and sale of land

$4,144,490 1,498,029 1,129,729 2,681,217

Total Revenue, Gains, and Other Support $9,453,465

eXpenses

program expenses:

housing development, net of capitalized costs rental operations and property management costs social services and educational programs

$ 723,533 2,989,495 857,810

Total Program Expenses $4,570,838

support services:

management, general, and fund development $1,169,853

Total Expenses $5,740,691

revenues over expenses Before depreciation* $3,712,774

depreciation expense $ 959,289

Revenues Over Expenses After Depreciation $2,753,485

Net Assets at 6/30/2010 $14,970,976

Net Assets at 6/30/2011 $17,724,461

*Available to pay mortgage payments on affordable rental housing.

sTATemenT of finAnCiAl posiTion

AsseTs

Cash and Cash equivalentsAccounts and grants receivablenotes receivableendowment fundother investmentsprepaid expensesConstruction Contracts receivabledevelopments in progressproperty and equipment, net of depreciation

$ 7,524,350 1,025,947 2,120,073

163,766 1,701,020

113,626 3,215,626 11,817,779 $30,066,025

Total Assets $57,748,212

liABiliTies

Accounts payable and Accrued liabilitiessecurity depositsdeferred revenuesnotes payableother liabilities

$ 1,177,339 291,049 185,111 36,495,988 1,874,264

Total Liabilities $40,023,751

neT AsseTs

unrestricted net AssetsTemporarily restricted net Assetspermanently restricted net Assets

$17,340,606 220,089 163,766

Total Net Assets $17,724,461

Total Liabilities and Net Assets $57,748,212

Serving More Than 4,000 Residents Living in Our Housing

san luis obispo CountyArroyo grandeAtascaderoAvila BeachCambrialos ososmorro Baypaso roblespismo Beachnipomooceanosan luis obisposan miguelTempleton

santa Barbara CountyCarpinteriagoletaguadalupeisla vista lompocorcuttsanta Barbarasanta maria

ventura Countymoorparkpiruventura

our offiCe loCATions3533 Empleo St. • San Luis Obispo, CA 93401 • (805) 781-3088

26 E. Victoria St. • Santa Barbara, CA 93101 • (805) 962-5152

email: [email protected] • www.PSHHC.org

Peoples’ Self-Help Housing is a non-profit organization. Federal Tax ID #95-2750154

finAnCiAl summAry

progrAm eXpendiTures for The yeAr ended June 30, 2011

programs $5,530,127 83%

management and general

$ 970,123 14%

fund development

$ 199,730 3%

Total $6,699,980 100%

program expenditures are more than 83% of total dollars spent.

progrAms83%

mAnAgemenT And generAl14%

fund developmenT 3%

for the year ended june 30, 2011

4 | opening doors. Building neighBorhoods. improving lives.

financial information

Architectural drawing of Pismo Creek Bungalows

The efforTs to build affordable rental housing by peoples’ self-help housing include three counties, san luis obispo, santa Barbara and ventura Counties. We are active in all three counties and have a strong portfolio of projects in the pipeline. here is a county by county review of our 2011 accomplishments.

San Luis Obispo County

In Templeton, Peoples’ completed the $2.1 million construction of a new community center and renovation of Rolling Hills Apartments, preserving 53 units of affordable rental housing. The new community center includes a spacious meeting room with kitchen facilities along with property management offices, and additional space for individual and family supportive services, such as financial education, counseling, and after school programs.

In Pismo Beach construction began in the fall of 2011 on 14 units of affordable rental apartments on land donated by the city. Completion is expected in late 2012. (See story on left)

Arroyo Grande is home to the Courtland Street project which, when completed in 2013, will bring 36 new affordable units to the city. Funding from the city’s housing set-aside fund was completed; leveraging these dollars into construction and permanent financing is underway. It is expected that construction will begin in late 2012.

Santa Barbara County

In Santa Maria, we continue to move towards the acquisition of a site strategically located adjacent to our successful Los Adobes de Maria I and II apartments. We are calling this

project Los Adobes de Maria III. At this time City funds will allow us to move forward on the acquisition and completion of construction drawings and funding for this 40-unit rental complex.

Construction of 33 units adjacent to Dahlia Court in Carpinteria continues building on the contributions from the City of Carpinteria, County of Santa Barbara, Montecito Bank & Trust, Calif. Tax Credit Allocation Committee, and Rabobank. The Dahlia Court II Apartments

Pismo Creek Groundbreaking: PSHH Executive Director Jeanette Duncan, Deputy

Director Scott Smith, Wells Fargo Vice President Lori Saito, WF Vice President Mark Corella,

WF District Manager Michael Chen, and Business Banking Manager Thomas Anderson.

peoples’ Builds firsT neW AffordABle housing in The CiTy of pismo BeACh

The Pismo Creek Bungalows, a 14-unit multi-family apartment development, will be the first newly constructed affordable rental complex in the City of Pismo Beach. Peoples’ Self-Help Housing is the managing general partner and nonprofit developer of the complex which will consist of five buildings, including a community room, kitchen, laundry facility, and meeting space. Four one-bedroom, five two-bedroom, and five three-bedroom units are being constructed at 360 Park Avenue. A festive and well attended groundbreaking ceremony was held earlier this year.

Estimated to be completed by October 2012, Peoples’ Self-Housing is acting as general contractor under the supervision of Bill Loar, Peoples’ Construction Manager. Project architecture and engineering is by RRM Design Group. Financing is provided by California Tax Credit Allocation Committee, City of Pismo Beach, Pismo Beach Redevelopment Agency, Merritt Community Capital Corporation, and Wells Fargo Bank.

Rolling Hills Apartments in Templeton

continued on next page

renTAl developmenT Thrived in 2011


residenT suCCess sTory from goleTALetter from a grateful new tenant

I came one day to Isla Vista Apartments hoping to finally get a place for my family. I have been to so many places trying to get a home for my kids. Everywhere they told me always same thing that break my heart, every time. Sometimes I even cry on my way back to my house. They told me I didn’t make enough money. I didn’t have enough credit. They even told me that they couldn’t give me an apartment, because I have three kids and they only allowed two kids for one mother.

Nobody gave me any hope. When a coworker told me about Isla Vista Apartments I thought I will go, nothing worse can happen. The worst will be to receive a no for an answer. I got there and the manager was so nice and professional. She helped me through the process. I was willing to do anything to bring all the paperwork that she asked for.

But the most important thing that they give me was hope in Isla Vista Apartments. Something that nobody had given me before. After going through all the process, finally I receive an apartment for my kids—a home where I know my kids and I are going to be very happy.

This place is not only an apartment complex. It is a big family home. They make you feel so welcome and safe. They treat you with respect, and they are there to offer you support and love.

I want to thank you for all the donations that we received. To see my kids so happy when they saw the beds [donated by All Saints by-the-Sea Episcopal Church]. Then they realized that they didn’t have to sleep on the floor anymore. It is priceless to me. I thank God every day for sending such good people our way. You have a really big heart. Thank you for giving my family the best holidays ever.

Thank you to each and every person that makes this place unique and full of love.

Mother Norma and her children Kevin and John (Brayan not pictured) are grateful

for their new home at Isla Vista Apartments. Norma works in the green labor

department of a Goleta wholesale nursery.

Norma and family

has begun construction with expected completion of these 33 units of affordable housing, which will house over 150 people, in 2013.

The development of the nearby 43-unit Casa de las Flores (formally the Camper Park) is also moving forward. The Dahlia and Casa de las Flores projects have been helped by the Carpinteria Campaign of Hope to realize this important affordable housing project. The Santa Barbara Foundation, Looker Foundation, Outhwaite Foundation, City of Carpinteria, and other individual donors have made significant contributions to this campaign.

In downtown Santa Barbara, PSHH has entered into an escrow agreement with the current landowner to acquire a parcel at the corner of Haley & Salsipuedes Streets. The landowner is clearing the site in preparation of final sale. Once completed, we will move forward in our efforts to develop 40-plus units of affordable rental housing.

The development of affordable housing, such as the Village at Los Carneros in Goleta, takes the efforts of many individuals and organizations. In this project, Comstock Homes is the lead developer and PSHH will be the developer of approximately 73 units of affordable rental housing which will satisfy the inclusionary zoning requirement for the much larger project envisioned by Comstock Homes. The developer is continuing with his master plan for the entire project and is currently conducting an environmental impact analysis on the property with the expectation that he will begin the larger project in 2013.

Ventura County

The El Patio Hotel in Ventura that was completed in 2010 has been fully rented and is now providing supportive services to 41 individuals some of whom had been formerly homeless.

learn more, visit: www.pshhC.org

John Kukulka is PSHH Rental Development Department Director

Project Number of Units

Completion Date

pismo Creek Bungalows 14 12/12pismo Beachdahlia Court ii 33 07/13CarpinteriaCourtland Apartments 36 02/14Arroyo grandelos Adobes de maria iii 36 06/14santa maria

WhAT’s in The pipeline

suCCess sTory


finAnCiAl eduCATion self-help homes neAr CompleTion

TempleTon

Ten families moved into the homes that they spent every spare moment building during the past 18 months in Templeton in northern San Luis Obispo County. Nineteen more families will complete their homes this spring. These 29 families have built their homes on Terebinth and Gray Pine Avenue behind Twin Cities Hospital. They have struggled, learned, laughed, and maybe even shed a few tears as they worked together.

Families perform about 65% of the work to build their homes—putting in 2,000 hours a year every Saturday and Sunday. They “learn by doing” following the instructions of Peoples’ construction supervisors. No experience is required, just a willingness to work hard. Their “sweat-equity” serves as the family’s down payment. PSHH staff works with the families to help arrange the affordable financing to acquire the land and construct the homes.

The self-help builders must participate in a Home Buyer Education Class to prepare them to be successful homeowners. Households must have good credit, have a stable income of at least $30,000 per year, but do not have income that exceeds 80% of the median income for their household size. Other requirements include minimal debt, do not currently own a home, and be willing to work every weekend and as much as possible during the week for a year or more.

nipomo

An additional 34 households started building their homes off East Chestnut in Nipomo in late 2011.

ATAsCAdero And oCeAno

PSHH is currently accepting applications to build homes in Atascadero and Oceano which are available on our website http://www.pshhc.org/programs-home-ownership.html or at the San Luis Obispo office located at 3533 Empleo Street.

Members of Cal Poly University WOW students volunteered in Templeton.

Dear Peoples’ Self-Help Housing,

My wife and I want to let you know how very much we appreciate Peoples’ Financial Educator Mr. Brian Kerrigan, and all the time and effort he spent helping us secure our home loan restructure. The numerous letters, phone calls, and faxes that he made to the bank on our behalf were amazing.

He also shepherded us through the process, giving us direction as to what the bank wanted. He assembled our packet for submission with expertise and generally made a lengthy, tedious process much easier.

It was reassuring to know that someone with his acumen and pleasant demeanor, was on “our side”. We are confident that his thoroughness and attention to details were instrumental in our successful loan restructure agreement with a new bank!

Again, we just wanted to let you know what a fine job he did for us. It must be nice to have someone like him working there at PSHH.

James D. Mendenhall, R.N., N.P. Paso Robles

if you would like to help the families build, community volunteers sixteen years or older are welcome. Call sheryl flores at 805.783.4465 for more information about volunteering.

Sheryl Flores is Self-Help Home Ownersip Development Director

volunTeer opporTuniTies


youTh progrAms

The vAlue of AfTer sChool eduCATion progrAms “If you do the math, if a student attends [school] every single day, the 180 days, and then also attends the after school program those extra three hours, that’s an extra half a year of school that they’re attending. So if we’re purposeful, if we do things to be able to benefit the student, imagine how much impact we have on these students that are staying half an extra school year.”

Daniel Mendez, Bakersfield City School DistrictMr. Mendez administers after-school programs like Peoples’ YEEP where students attend 15 hours per week.

Pictured (l-r): All Saints’ Rev. Sandy Casey-Martus, Our Lady of Mt. Carmel’s Sister Kathleen Patrice, El Montecito Presbyterian Associate

Pastor Jay Shirley, Montecito Covenant Church Senior Pastor Don Johnson, Peoples’ Self-Help Housing’s Rochelle Rose, El Montecito Presbyterian Pastor Jeff Bridgeman, Montecito Covenant Church

Pastor Jon Lemmond, and Father Stephen Downes from All Saints.

TeACher reporTs sTudenT suCCess 350 BACkpACks

At Los Adobes de Maria II, Peoples’ affordable housing complex in Santa Maria, 60 students ages five to 13 are enrolled in the daily youth after school program. All of the students have shown great progress throughout this school year. One student who has demonstrated vast improvement is Deviany who came to the program last year as a kindergartner. When she started the program she was far below proficient. Deviany did not know her letter names or letter sounds. She is now scoring proficient or advanced in most areas of her report card. She is also able to read many grade-level books on her own.

In addition to students showing improvement in academics, students are also exhibiting growth in their social skills. When Jose came to the YEEP program he would not speak to teachers or students. He played alone and wanted to sit by himself every day. Jose, now 7, has grown by leaps and bounds. He is still shy and reserved, but he now participates in all activities. He has made friends and can communicate openly with teachers and the other students.

These children are just a couple of examples of how our students have grown and advanced through the program. We are very proud of all of our students.

Thank you to the foundations, corporations, and individual donors who make Peoples’ Youth Education Enhancement Program possible!

Cami Waller, Lead Educator, Santa Maria

Note: Peoples’ Youth Education Enhancement Program serves 350 students K-8 at seven Learning Centers at PSHH properties in Carpinteria (two sites), Santa Barbara, Lompoc, Santa Maria, Guadalupe, and Paso Robles.

Deviany, 6, YEEP student in Santa Maria

Over 125 members from the “Community of Montecito Churches” (M4) including All Saints-by-the-Sea Episcopal Church, El Montecito Presbyterian Church, Montecito Covenant Church, and Our Lady of Mount Carmel Catholic Church worked together to provide 350 backpacks filled with school supplies for Peoples’ Self-Help Housing children from Carpinteria to Isla Vista.

Volunteers assembled at El Montecito Presbyterian Church, 1455 East Valley Road, to stuff the backpacks. $20,000 of backpacks and school supplies were donated by the four churches and their parishioners. Peoples’ Self-Help Housing delivered the backpacks to children in their affordable housing developments.

“The leadership and parishioners of the four churches are truly grateful for this opportunity to serve these local children of lower income families, through Peoples’ Self-Help Housing, and to help guarantee that they have the tools necessary to thrive in their school environments,” said Sister Kathleen Patrice. Every backpack received a written blessing from one of the 125 volunteers who came out to work on this project.

For more information on how to donate to the School Backpack Project, contact Rochelle Rose at PSHH (805) 962-5152 x227 or visit www.pshhc.org.

Students from Riverview Learning Center, Guadalupe


supporTive housing progrAm

The mission of Peoples’ Self-Help Housing is to provide affordable housing and programs leading to self-sufficiency for low-income families, seniors, and other special needs groups on California’s Central Coast. Our Supportive Housing Program (SHP) is a clinically-based case management and social services program under the supervision of Manager Rick Gulino, MSW.

SHP provides cost free, voluntary, and confidential services which are available to all Peoples’ residents. The program is designed to assist residents in achieving and maintaining independent functioning. This is achieved by providing direct services that include crisis intervention, case management, counseling, homeless prevention, homeless placement, employment/education, home management, preventive education, financial management, advocacy, benefits/ entitlements, etc.. Over this past year the SHP has been very successful in not only preventing residents from losing their housing but also with placing homeless individuals and families into permanent affordable housing at PSHH apartments and two single-room occupancy hotels.

henrieTTA

Two years ago Henrietta, a 78-year old widow, moved to Peoples’ senior apartment complex in Arroyo Grande to assist her daughter who has colon cancer. Henrietta is subsisting on Social Security income of $850 per month.

Henrietta meets twice a month with a PSHH social worker for counseling and case management, discussing financial concerns and emotional issues. She now receives in-home support services to assist with heavier household chores and laundry and recently applied for lifeline phone service so her phone bill has been reduced. Henrietta uses the local food subsidies available through Food Bank and Harvest Bag.

Not long ago Henrietta experienced a feeling she “wasn’t right” and was falling. She learned that the cause was a thyroid problem and her thyroid was removed. During this confusing time, either shortly before or during hospitalization, Henrietta “lost her teeth” – her dentures. Although she had taken care of herself and family for years, Henrietta found herself in a situation in which she could barely afford the necessities of life let alone the cost of replacement dentures. Peoples’ was able to obtain a grant from the Change A Life Foundation to pay for her dentures.

Since Henrietta received her new dentures her quality of life and self-esteem has improved significantly. She is able to eat a wider variety of healthier food and more fully participate in family and social gatherings. And she smiles all the time!

suCCess sTories

serviCes provided By shp in 2011:

588 clients served or 15% of our resident population -- keeping them healthy, stable and housed

28 homeless households were successfully placed into our housing

4,447 hours of service was provided by shp social workers Rick Gulino, LCSW is the Supportive Housing Program Manager.

porshA

After five years of being homeless, moving from couch to couch in the homes of others, Porsha is finally able to say that she has her own place—a home for herself and her children. She has had a difficult journey with a history of drug abuse and domestic violence; however, she is proud to say she has come a long way. After finally receiving a Section 8 voucher, Porsha applied to one of PSHH’s properties and she was soon handed a set of keys to her new apartment. A social worker in PSHH Supportive Housing Program was able to pay her security deposit through the Rapid Rehousing federal program and provided her supportive housing services to help her adjust to this major life transition. She is now working full time and pursuing an education that holds the promise of a successful future career and long term stability.

mArk

Mark came to Peoples’ El Patio Hotel from the Ventura Winter Warming Homeless Shelter. He became homeless shortly after becoming disabled in a chemical injury during his career as a hazmat specialist for the fire department. When he entered PSHH housing his only income was unemployment insurance. While he is able to live independently, the injury has left him unable to read or write; he has difficulty with concentration and experiences memory loss.

Mark is a very motivated individual who wants to return to work again one day. First he needs to learn if his physical damage can be repaired and what occupation he can pursue next. While living at PSHH, his social worker was able to get Mark on project-based Section-8, which subsidized part of his rent. This helped Mark maintain his housing on such a limited income.

With assistance, Mark was able to transition from homelessness to stable housing during a difficult period in his life. He no longer has to fear being homeless again and can now focus on the next chapter of his life and greater self-sufficiency.


Chi Ka and Chan Yu Lo came to the United States in 1998 from Hong Kong. When they learned that Hong Kong was no longer going to be governed by England, the Lo’s like other Hong Kong citizens were worried about their future under Chinese rule. The couple came to Morro Bay to work in the restaurant owned by Chan’s sister. They found affordable housing at Peoples’ Pacific View Apartments. Chi Ka is a chef in a San Luis Obispo restaurant. Chan worked as a nanny for many years and is now a senior caregiver.

Their only daughter Joyce immigrated with her parents to

peoples’ self-help housing AWArded $235,500 in neighBorWorks grAnTs

In 2011 Peoples’ Self-Help Housing received three grants from NeighborWorks America that supported Peoples’ affordable housing and community development activities in San Luis Obispo and Santa Barbara counties.

“$235,500 in grant funds were designated for rehabilitation of existing rental properties at the Isla Vista Apartments, Dahlia Court in Carpinteria, and Atascadero Gardens. The much-needed rehabilitation included new roofs, replacement of water heaters for solar, and other repairs,” stated PSHH Executive Director Jeanette Duncan.

neighBorWorks grAnT

The 17-unit Atascadero Garden Apartments received a new roof thanks to a NeighborWorks grant.

suCCess sTory

did you knoW?

As a result of unaffordable rental housing, an individual earning minimum wage would have to work the equivalent of 3.4 full-time jobs to make ends meet.3

for every 100 units of affordable housing built, 122 local jobs are generated during construction and 32 permanent jobs after completion.1

The construction of a median priced home in

California generates an estimated $375,000 in new economic activity.2

1. National Association of Homebuilders, 2010 2. Center for Housing Policy, 2010 3. National Low Income Housing Coalition, 2011

daughter off to college

Peoples’ Self-Help Housing is a member of the national NeighborWorks network. Only 17 organizations in California are chartered. The organizations that comprise the NeighborWorks Network must meet stringent membership criteria and undergo rigorous reviews both prior to acceptance and every year thereafter to ensure they deliver the highest quality and most efficient services to low-income communities. NeighborWorks and Peoples’ share similar missions: working to create opportunities for lower-income people to live in affordable homes in safe, sustainable neighborhoods that are healthy places for families to grow.

The Lo family lives at the Pacific View Apartments in Morro Bay.

the U.S. at the age of five. Although she spoke only Cantonese, she attended Del Mar Elementary and later Morro Bay High School, where she earned excellent grades. Her parents speak Cantonese and Mandarin Chinese; both parents attended only elementary school in Hong Kong and started working in their early teens.

The couple is so proud of their daughter Joyce who is now attending college as a freshman at UCSB. “It is very meaningful to my parents that I am going to college because they didn’t have that opportunity. Living at the apartments gave our family more money for other things like education,” said Joyce.

Joyce Lo


our 2011 donors

Ms. Whitney AbbottAblitt’s Fine Cleaners & LaunderersMr. and Mrs. Peter AdamsAll Saints-by-the-Sea Episcopal ChurchMrs. Ann Linnett-PlessMs. Ofelia ArellanoMs. Emily R. AtkinsMrs. Erin AvilaAvila Beach Community FoundationAyers Automotive RepairsBank of AmericaBank of America FoundationBarbara N. Rubin FoundationMs. Rona BarrettMs. Jean Barrow HolmesMr. and Mrs. Donald BennettMr. Charles M. BlitzMr. Joe Bohl and Mrs. Isabel Tanore BohlBryant & Sons LTDMs. Shel BurrellMs. Wanda BybeeCal Mountain Oaks LLCCalifornia Department of EducationCalifornia Pizza Kitchen, Inc.Congresswoman Lois CappsCarpinteria Community ChurchMr. and Mrs. James A Cashin Jr.Change a Life FoundationCitrix OnlineCity of LompocCity of Pismo BeachCity of San Luis ObispoCity of Santa BarbaraCity of Santa MariaCommunity Economics, Inc.Community West BankMr. and Mrs. Michael CouchCounty of San Luis ObispoCounty of Santa BarbaraMr. and Mrs. Thomas Crawford Jr.

Crawford-Idema Family FoundationMr. and Mrs. Andrew DavisDaylight Home Lighting PatioMr. and Mrs. Dan de MallevilleMs. Joanie DomingueMrs. Jeanette DuncanMr. and Mrs. Donald DuffE. C. Lind ArchitectMr. Steve EabryDr. and Mrs. Dieter EckertRoyce Construction & DevelopmentEfren J. Fajardo PaintingEl Montecito Presbyterian ChurchEvolutions Medical SpaFirst Presbyterian Church of San Luis ObispoMrs. Sheryl FloresMr. Robert FowlerFresco CaféFrontier Floor CoveringsMrs. Barbara FullertonMr. Juan GalvanDr. and Mrs. Bob GarrettMr. and Mrs. B. Ray GateleyMs. Ghita GinbergMr. Harold N. GrayGregory GraphicsGuadalupe Union School DistrictMr. and Mrs. Gary G. GulbransenMr. Rick GulinoMr. and Mrs. David GustafsonMr. Jose GuzmanMr. and Mrs. HarwayMs. Audrie HassHeritage Oaks BankMr. Gene HershbergerMs. Gudrun HommerMr. and Mrs. Terrence HonikmanMr. and Mrs. J. Myron HoodRev. Diana W. HopkinsMr. and Mrs. Jim Hurst

Ms. Maura ShannonMr. Ron SickafooseSimply Clear Marketing, Inc.Mr. and Mrs. Robert SmithMrs. Jackie SobatkaMr. and Mrs. Peter SprecherSt. Andrews Presbyterian ChurchReverend and Mrs. Charles H. StacyMr. and Mrs. Jack StapelmannMr. and Mrs. Frank StevensQuint & Thimmig, LLPMr. and Mrs. Raymond E. ThorneTJX FoundationTom Curry RoofingTowbes FoundationTurner FoundationUnitarian Universalist Church of VenturaUnited Way CA Capital RegionUnited Way of San Luis Obispo CountyUnited Way of the Central CoastUnited Way of Ventura CountyMrs. Esmeralda ValdovinosVenoco, Inc.Ms. Betty M. WaltersMr. and Mrs. Richard WeinbergMr. and Mrs. Burruss WeissWells Fargo FoundationMs. Karen WilsonMr. Mark WilsonYARDI Systems, Inc.Mr. Jason A. YardiMr. and Mrs. Martin Zuanich

Nunez FamilyMr. Javier OrtizOur Lady of Mt. Carmel ChurchOuthwaite FoundationPacific Gas & Electric Community CampaignMr. and Mrs. William PalladiniMr. Julio PechPeikert Group Architects, LLPPenfield & SmithMs. Rosalee PereaMr. Nelson H. PfisterPlanet Solar Inc.Pure Water Plumbing, Inc.Ralphs Grocery CompanyRapoza AssociatesMs. Catherine S. ReitzRichard G. Heimberg General Build-ing Contractor, Inc.Mr. and Mrs. Gary RobinsonMs. Mireya RojasMs. Rochelle RoseMr. Al RuizSan Luis Obispo County Community FoundationSanta Barbara Bank & TrustSanta Barbara MailWorksSanta Maria Bonita School DistrictMr. and Mrs. Marc SargenMr. and Mrs. Jeffrey ScalesSchlagel ConcreteMs. Christiane SchlumbergerMr. and Mrs. SchmidtMs. Monica SchollMs. Kelly SchonWells Fargo BankMs. Karol Schulkin and Ms. Marya BarrMr. and Mrs. John SchutzMr. Donald William SethMs. Carolyn Shaffer

Hydrex Pest Control CompanyMs. Marion IkedaImmaculate Heart CommunityMs. Joanne ImuraInteriors by AdeleIzabal, Bernaciak & CompanyMs. Roberta JacobsMrs. Carolyn JohnsonMr. and Mrs. Jim JonesMs. Sheila C. KamhiMr. and Mrs. John KeelinKenneth A. Knight ConsultingMrs. Carolyn Kincaid HendersonKohl’sMs. Darlene V. KrouseLa Centra-Sumerlin FoundationJohn C. LewisMr. William LoarLooker FoundationMurray McTigue and Whitney AbbottMacerich La Cumbre LLCMr. Ian Rhodes and Mrs. Pam MainesMs. Guisela MartinezMs. Patricia McAllisterStafford & McCarty Commercial Real EstateMs. Peggy MeneiceMr. Henry MercadoMr. Richard H. MeynMr. Eric MichelssenMs. Elizabeth J. MollerMrs. Stancey MonahanMontecito Bank & TrustMontecito Covenant ChurchMr. and Mrs. Larry MontoyaNatl. Alliance on Mental Illness Ventura CountyMs. Eileen NazarNeighborWorks AmericaMrs. Annita Ngatchou-WeissNorth County Animal Hospital

contributors

in-kind donors

All Saints-by-the-Sea Episcopal ChurchAltrusa Club of Santa BarbaraAltrusa Club of Santa MariaMs. Erin AvilaMr. and Mrs. Perry BallardMr. and Mrs. Martin BellMr. and Mrs. David BoydBlenders in the GrassMs. Roseanna BravoCarpinteria Community ChurchCity of Santa Barbara Downtown ParkingCommunity Arts Music Association of SB

Community West BankCranky’s Bike ShopMs. Lorie DoblerEl Montecito Presbyterian ChurchMs. Susan EvansF. McLintocks Saloon & Dining HouseFoodbank Coalition of San Luis Obispo CountyFoodbank of Santa BarbaraHighlight Media ProductionsMs. Janet HillHome Builders Association of the Central CoastMs. Sally Irving

St. Jude Catholic CommunityMr. and Mrs. Michael SalmonMs. Monica SchollMr. Donald William SethSanta Barbara Police DepartmentSpencer’s Santa Barbara MattressStarbucks Coffee CompanyChuck TalmadgeDennis Thompson ArchitectsUniversity of California Santa Barbara

Mr. and Mrs. Al MorganMr. William MoylanMs. Patricia MurdyNipomo Lions ClubNu Image Ad GroupOur Lady of Mt. Carmel ChurchPiccadilly Circus Ms. Karen PickPor La Mar NurseyMrs. Doris PostalRincon Broadcasting LLCMr. Jerry RoccoMs. Rochelle RoseJoseph and Jill Sabol

Mr. and Mrs. Richard IsaacsonItalia Pizza & PastaMrs. Cheryl JacksonMs. Kristi KingMr. and Mrs. Ron LanceLobero TheatreMr. Barry LongMontecito Four (4) ChurchesMarBorg IndustriesMarshallsMetropolitan Transit DistrictMontecito Covenant ChurchMonterey Pines ApartmentsMr. and Mrs. Larry Montoya

Without the generous donations from those listed above we would be unable to provide service to so many individuals and families in our communities. Thank you!We apologize for any omissions. if your name should be listed, call (805) 962.5152 x220 so we can make a correction.


households spending hAlf of inCome on housing

According to the new Housing Landscape 2012 report from the Center for Housing Policy, nearly one in four working households spends more than 50 percent of its income on housing.

Let that sink in for a moment.

The new report, based on the latest data from the American Community Survey (2010), took a look at the housing costs for working households – those earning up to 120 percent of their area median income and who worked at least 20 hours each week. The picture is not good.

The percent of severely burdened households increased significantly between 2008 and 2010, driven in large part by low-income renters. They saw the costs of renting increase by 4 percent during those two years, even while their incomes declined.

By Laura Williams, Center for Housing Policy

Twenty-four states and nineteen metro areas also saw their rates of housing cost burden increase, while the number that declined can be counted on one hand (with a couple of fingers left over). California is #1 of 50 states at 34% of working households with a severe housing cost burden. Of the ten metro areas measured, Los Angeles-Long Beach-Santa Ana and San Diego-Carlsbad-San Marcos clocked in at 38% to 37% respectively, which is probably comparable to the Central Coast.

The underlying causes are lower employment, lower incomes and, for most, increased costs. Homeowners present some exceptions to this latter case, but only if they’ve taken advantage of the down market and been able to refinance or purchase at newly lower prices. Many have not had those opportunities. For many more details, check out the report in its entirety at www.nhc.org/landscape.

Southern California Association of Non-Profit Housing (SCANPH)

ChAnge in housing CosTs vs. ChAnge in inCome, 2008-2010

6%

4%

2%

0%

-2%

-4%

-6%

+4%

-4% -4%

-2%

RENTERS OWNERS

Two-Year Change in Housing Costs

Two-Year Change in Houshold Income

AnnuAl reporT 2011 • ediTors: Jeanette duncan and rochelle rose • design: CentralCoastdesignsB.com • prinTing: Western Web printing

TAsTe of hope evenT seT for sundAy oCToBer 14Th

Mark your calendars for the Taste of Hope celebration, a benefit for Peoples’ Self-Help Housing. This marvelous community event will take place on Sunday, October 14th from 2-5 p.m. in the beautiful main courtyard of the Santa Barbara Historical Museum located at 136 East de la Guerra Street in downtown Santa Barbara.

There are a limited number of opportunities for vintners and food purveyors to provide tastings for the 200-250 guests. In addition, we are seeking donations of gift certificates, vacation home stays, wine, collectibles, and other merchandise for our silent auction. Your contribution will be credited and deeply appreciated.

You or your business will receive prime recognition at the Taste of Hope, as well as in our extensive pre- and post-event publicity, in addition to a letter of appreciation for your donation.

Watch for your invitation in the mail during the next couple of months!

To donate or for more info call Monica Scholl at (805) 962-5152 x220 or email: [email protected]. We look forward to your support and attendance. for our very worthy cause. Thank you so much.

Chuck Stacy, Event Co-ChairBoard Member, Peoples’ Self-Help Housing

Join us for a Taste of Hope

name(s) ____________________________________________________________ Title ____________________________

Address _____________________________________________________________________________________________

City ___________________________________________________________ state _________ Zip ___________________

email __________________________________________________________ phone _______________________________

enclosed is my check payable to pshh for $ ___________________

Charge my credit card for $ ___________________ Credit card # ________________________________ exp. ______

signature __________________________________________________________________ date _____________________

name on card (please print)____________________________________________________________________________

r Contact me for more information on peoples’ planned giving opportunities or gifts of stock or real estate, or call rochelle rose Cfre, development director, at (805) 962-5152 x 227 or email [email protected]

■ yes, i want to help peoples’ self-help housingand its mission to provide affordable housing and programs leading to self-sufficiency for low-income families, seniors, and other special needs groups on california’s central coast.

Thank you for your tax-deductible gift.most recent financial statements indicate that 83% of pshh funds are allocated to programs. donors can be assured that their contributions are utilized and managed wisely.FAX to (805) 962-8152 or MAIL to peoples’ self-help housing3533 empleo street | san luis obispo, CA 93401 | phone: (805) 781-3088 x452 or 26 e. victoria street | santa Barbara, CA 93101 | phone: (805) 962-5152 x227Donate conveniently and securely on-line at: www.pshhc.org/donate.donations are tax-deductible as allowed by law. federal Tax id #95-2750154

peoples’ self-help housing Corporation3533 empleo streetsan luis obispo, CA 93401phone: (805) 781-3088www.pshhc.org

Mission Statementto provide affordable housing and programs leading to self-sufficiency

for low-income families, seniors, and other special needs groups on

california’s central coast.

People's Self-Help Housing

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Transcript of People's Self-Help Housing