Keeping Unity in the Community

Do you know that it is generally recommended that housing expenses shouldn’t be more than 30% of what you earn, leaving 70% of your income for food, clothing, and other necessities?

According to the US Department of Housing and Urban Development, approximately 12 million renters and homeowners are spending more than 50% of their income on housing, including utilities, thereby making it difficult for families to afford other necessities, i.e. transportation, clothes, food, entertainment, medical care, etc. Towards this end, in many American cities middle and upper income people are moving into neighborhoods that had previously suffered disinvestment and decay. These severely “house cost burdened” families want and/or need to move into sustainable neighborhoods accessible to more transportation options, affordable housing, jobs, businesses, services, and social activities.

These new residents renovate housing, stimulate business, and contribute to the tax base. Additionally, you have investors, who are purchasing these properties from low income families and stripping them of their equity, legacy, and property, which they worked hard to obtain and maintain for their children and grandchildren. These benefits of neighborhood revitalization are, in some cases, achieved at a potentially serious cost: the displacement of existing neighborhood residents by eviction, excessive code violations, increased property values/taxes, rent increases, changing demographics, etc.

Unfortunately, this may contribute to divisiveness, animosity, or ill feelings between longtime and new neighbors. This is quite unfortunate because what makes these central city neighborhoods and  residents so special is their “sense of community” which has helped residents survive and thrive throughout the years!

There are strategies that can and/or should be implemented to safeguard longtime renters and homeowners, thereby bringing peace and unity in the community. Some strategies should include the examination of federal, state, and local policies toward neighborhood reinvestment and displacement, including various alternative approaches for dealing with this issue.

I applaud the City of Columbus and Franklin County Board of Commissioners for taking the initiative to be proactive in bringing unity in the community by preserving some stability in up-and-coming neighborhoods by:

  • Establishing a Community Land Trust, which will contribute to the preservation of mixed income neighborhoods.
  • Working with Developers to make sure a percentage of their housing development and employment opportunities are set aside for residents of various socio-economic strata!
  • Offering the Homestead Tax Exemptions for low income senior citizens or disabled, who own and occupy their properties.

An example of another innovative strategy implemented in other major cities includes:

  • Longtime Owner Occupancy Program (LOOP) – reducing or freezing property taxes to promote neighborhood stability and provide a dividend of sorts to those families who remained in the neighborhoods through the years of high crime, population loss, disinvestment, and declining property values (Washington, Boston, Pittsburgh, and Philadelphia).

Lastly, on a neighborhood level, there are strategies residents themselves are implementing to make a difference, including but not limited to the following:

For example, some of the activities Weinland Park residents have been involved in:

  • Community Connectors – resident leaders, who advocate; market programs; organize events and bring diverse residents together, i.e. Rally in the Alley
  • Community Clean-Ups – neighborhood focused beautification and clean-up efforts
  • Community Civic Association – a group of residents and stakeholders who meet monthly and make decisions about the community, i.e. housing, safety, youth, etc.
  • Community Zumba – a Latin inspired dance fitness class offered weekly for area residents, thereby affording children, youth, and adults of diverse backgrounds an opportunity to get acquainted and have fun with one another
  • Community Gardens – residents, who use gardening as an opportunity to interact and get acquainted with other children, youth, and adults in the neighborhood

Weinland Park

Planting tree

To learn more about OSU Extension – Community Development and what they’re doing to bring unity in your community, county, or throughout the State of Ohio, feel free to visit our website.


Susan Colbert Susan Colbert is the Franklin County Extension Program Director for Expansion and Engagement.


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The Ripple Effect of Personal Finances on a Community

Do you have a family member, friend or neighbor who recently lost his/her job; had to reduce their number of hours at work due to health issues; pay more than 30% of their income on housing; or lost 50% or more of their income due to the death of a spouse, divorce or unemployment? If so, most of them will probably be evicted, face foreclosure, miss housing and utility payments, receive public assistance, etc. Obviously, it’s important for residents to know that these results not only affect the households of their families, but the community at large.

These problems contribute to an inordinate high number of evictions; food insecurity; infant mortality rates; inability to get prescriptions and medical attention; mental, emotional, social and physical ills; and community development. Revenue from property taxes will decrease if families fail to make their mortgage payments. Neighborhoods will suffer with blight, disinvestment, and crime when properties are left vacant and abandoned, and public assistance budgets will surge.

It’s important that we address these community-wide problems with community-wide solutions. Towards this end, leaders from communities, corporations, colleges/universities, civic organizations, and churches need to unite and help families avoid these issues by developing innovative programs and unique partnerships to strengthen the lives of families and, subsequently, communities.

OSU Extension understands the correlation between personal finances and community development. Towards this end, we work diligently to strengthen the lives of families and build strong communities by educating and empowering residents with the knowledge, resources, and skills essential in helping them take control of their finances and future! To see what OSU Extension is doing to make a difference in the lives of children, youth and families in Columbus, visit franklin.osu.edu.


Susan Colbert is the Franklin County Extension Program Director for Expansion and Engagement.

Keeping Communities Safe through Education and Empowerment

OSU Extension goes beyond the walls to keep communities safe and restored citizens productive!

With most offender reentry programs, an ultimate goal is to reduce the recidivism rate. According to the Serious and Violent Offender Reentry Initiative (SVORI), in the U.S. over 600,000 individuals are released from prisons and jails each year. It is estimated that over two-thirds are re-incarcerated within three years.

Franklin County has the third highest population of ex-offenders being released from incarceration in the state of Ohio. Equally important and cause for concern is the increasing number of individuals returning to neighborhoods and communities throughout the country.

Not surprisingly, re-entering society poses numerous financial challenges, from paying for housing, food, transportation, and health care to finding a job, establishing credit, and paying off debts. Indeed, much of re-entry success depends on one’s ability to manage money. Unfortunately, an overwhelming number of newly freed individuals aren’t well prepared to make smart money decisions on their own, especially if they have long been under the control of others, lack basic resources and financial skills!

One of the keys to successful reintegration of these individuals returning to neighborhoods and communities has been and will continue to be Financial Education, thereby helping them gain control of their finances and future! Towards this end, OSU Extension’s Community/Economic Development (CED) team has not only served on the Franklin County Reentry Task Force/ Employment and Education Subcommittee, but has also made monthly visits to Franklin County Correctional Center and the Ohio Department of Youth Services to teach Personal Finance to adult and youth offenders respectively.

OSU Extension strives to improve the quality of life among ALL central Ohio residents through research, service and training. To learn more about OSU Extension and how to make a difference in  your community, visit: franklin.osu.edu or contact Susan Colbert (colbert.22@osu.edu), Program Director for Expansion and Engagement, Franklin County and Heart of Ohio EERA.

Building healthy and productive lives together

Without a place to call home, it is difficult to build a healthy and productive life. And while being number one is usually a good thing; it is certainly not so in this case.

Franklin County has the highest number of evictions in the state, averaging 19,000 filings annually over the last 10 years. Matthew Desmond’s book, Evicted, indicates that evictions occur for a variety of reasons, including: a limited understanding of the tenant’s responsibilities and rights; lack of financial management and home maintenance skills; and, an untenable rent to income ratio.

Franklin County Extension is attempting to address this issue by offering to residents throughout the community a vast array of programs and services focused on, for example: HUD-certified home buyer education; money management; food production, preservation and nutrition; workforce development and much more!

To learn more, check out the materials shared on the Franklin County Extension website. To learn about what’s happening in your community and how OSU Extension can help, visit the OSU Extension website or call your local Extension office.

Susan Colbert is Program Director for Expansion and Engagement in Franklin County (Heart of Ohio EERA).

Good neighbors make great neighborhoods!

How might you go about transforming a neighborhood plagued by gangs, drugs, high unemployment, substandard housing and low-performing schools into a neighborhood of choice, where families want to live, work, worship or attend school?

You apply the full breadth of land-grant university resources via collaborations involving Extension, community, church, civic, and corporate partners. This has been the approach since 2002 involving Weinland Park, a neighborhood within the University District in Columbus.

As part of the OSU Extension – Franklin County staff, our University District team uses an asset-based approach to community development (which focuses on the strengths and assets of the community instead of the deficiencies) in partnering with both residents in the City of Columbus and Franklin County to strengthen the lives of children, youth and families. Our programs range from workforce development; individual development accounts; entrepreneurship; homeownership; and post-secondary education; to tax preparation; infant mortality; prison and re-entry programs; and supportive services for tenants.

university-district-2016-11-03

After having had several ‘temporary’ locations throughout the neighborhood since 2002, residents and other local stakeholders advocated on Extension’s behalf to have a permanent location in the neighborhood! On November 21, our team will be moving from OSU’s Schoenbaum Family Center to a new, recently constructed office space at Terrace Place (99 E. Ninth Street, Columbus, OH 43201), owned by Community Housing Network. In this location, we’ll be able to expand our outreach and better serve the community needs while still continuing to offer educational programs and maintain our partnership with OSU’s Schoenbaum Family Center and the families and area residents they serve.

When you are in the area, plan to come see us in our new location!

For more information, contact: Susan Colbert, Program Director, Franklin County Expansion and Engagement, at colbert.22@osu.edu or by phone: 614-247-1983.

Building strong communities through stable families

Financial Security 2016-05-19What do we need most to thrive in school, work and community? To be successful in life, children, youth and adults need a home. According to a recent article in The Columbus Dispatch, there is a shortfall of 54,000 affordable homes and apartments in Columbus, Ohio alone. Such shortages cause an increase in the number of “rent-burdened” renters, those who pay more than 30% of their income on rent and utilities. Unfortunately, this leaves very little for other necessities. Consequently, these families struggle to make ends meet and are forced to make hard choices between rent and food, medicine or transportation to work.

In Franklin County, OSU Extension is working to help families become stable by teaching them how to take control of their finances by:

  • Offering monthly Financial Literacy training, including counseling to youth and adults.
  • Providing monthly U.S. Department of Housing and Urban Development (HUD) certified and City of Columbus approved Housing Counseling to prospective home buyers, existing homeowners and renters.
  • Collaborating with Workforce Development agencies to connect residents to living wage employment opportunities.
  • Working with community, civic, corporate and collegiate partners to develop safe, decent and affordable housing.
  • Forging strategic partnerships to address infant mortality, food insecurity, public transportation, child support and restored citizens.
  • Providing one-time, emergency financial assistance to low-moderate income, working families.

A stable home provides a solid platform for positive growth, vibrant neighborhoods and economic prosperity. If you are interested in learning more about these programs or in conducting them in your own community, please contact Susan Colbert or 614-247-1983.

(Submitted by Susan Colbert, Program Director, Expansion and Engagement, Franklin County & Heart of Ohio EERA)

Transforming communities through the use of IDAs

OSU Extension strives to improve the quality of life among all central Ohio residents through research, service and training. In Franklin County, we strive to fulfill our mission by forging unique partnerships and innovative programs.

Financial Training - IDAs 2015-12-03 - croppedOSU Extension forged a partnership with Increase CDC (Community Development Corporation) and the Ohio CDC Association and offers Individual Development Accounts (IDAs), a savings incentive program designed to help low-moderate income, working individuals accumulate assets (home ownership, microenterprise or post-secondary education).

Those who successfully complete OSU Extension’s financial literacy and asset specific training offered by OSU Extension, corporate, civic and collegiate partners are eligible to receive $1,000, if they save at least $500 while enrolled in the program.

Help us build strong communities by strengthening the lives of individuals! Limited slots are available, so don’t delay and call (614) 247-1983 today!

(Submitted by Susan Colbert, Program Director, Expansion and Engagement, Franklin County)

Bridging Fathers and Families through Financial Literacy

We’ve all seen the statistics:  Being actively involved with our children reduces problems and leads to positive outcomes. One area that often leads to a disconnection in this area is with non-custodial parents. This is (statistically) often the father.

Child support plays an important role in the finances of many families, both for the custodial parents or other family members caring for children who receive payments, and for the noncustodial parents (usually fathers) who pay child support. Both can benefit greatly from financial education and from access to asset-building tools such as Individual Development Accounts (IDAs).

Susan 2015-07-09Towards that end, OSU Extension is proud to report that they are one of three organizations selected in the state of Ohio to receive funding from the Ohio Department of Commerce. OSU Extension will use this grant funding to help non-custodial parents, especially fathers, gain access to financial education, counseling and economic empowerment opportunities, thereby helping them remain compliant with the orders of the court, but moreover remaining active in the lives of their children.

Studies have shown that non-custodial parents (especially fathers) who are actively involved in the lives of their children have a positive impact on the health, behavior, grades and delinquency of their children. Do you know someone (or an agency) who could benefit from getting involved? Please contact us. For details, call Susan Colbert at (614) 247-1983.

(Submitted by Susan Colbert, Program Director, Franklin County Expansion and Engagement)

Helping to preserve diversity in Weinland Park

Weinland Park (pop. approx. 4800) is one of the most diverse neighborhoods in the city of Columbus. Its residents are of various ethnic, cultural, racial, socio-economic, religious and educational backgrounds. As it transforms, however, from a neighborhood of last resort (one formerly plagued by drugs, gangs, substandard housing, low performing schools and high poverty) to a mixed income neighborhood of choice (where people want to live, work, worship or attend school), a key concern is the displacement of residents and gentrification.

Weinland Park Group

Photos: weinlandparkcivic.org

To address these concerns, Extension plays an integral role in helping to preserve diversity in the neighborhood by:

  • Offering free HUD-certified home-buyer education workshops, including individual counseling
  • Serving on the Weinland Park Collaborative, a group of community, civic, corporate, collegiate and church partners working together to revitalize the neighborhood
  • Offering free Financial Literacy training and counseling to area residents
  • Connecting residents to financial resources needed to obtain, maintain and retain their homes
  • Providing supportive services to homeowners and renters in the neighborhood
  • Assisting in the formation of Block Clubs, thereby giving residents a voice in the development of their community

As the demographics continue to change, Extension continues to respond to community needs by adapting new tools and methods to promote the diversity of the neighborhood. The goal is to create a sustainable community where all residents have opportunities to work and live together in a way that improves outcomes for all.

(Submitted by Susan Colbert, Program Director, Franklin County Expansion and Engagement)

Moving from poverty to security and opportunity

BAFF Child SupportHow can we work together to increase personal financial security, address poverty and create economic opportunity? OSU Extension – University District, in collaboration with the Ohio CDC Association and Ohio Department of Jobs and Family Services, has joined the Building Assets for Fathers and Families (BAFF) initiative. Ohio is one of seven states selected to pilot this initiative. Because OSU Extension is an Assets For Independence (AFI) site, we’ve been selected to provide financial education training and counseling to area residents. The BAFF initiative is designed to connect existing asset building services with non-custodial parents, especially fathers, who have been ordered by Franklin County courts to pay child support. Parents who successfully complete the program become eligible for driver license reinstatement or review and adjustment.

According to The Shriver Report:  A Women’s Nation Pushes Back from the Brink (2014), 1 of 3 American women with children under the age of 18 live in or on the brink of poverty. Furthermore, 2 out of 3 women consider themselves the primary breadwinner of the family. These statistics demonstrate the essential role of child support payments and programs.

BAFF IDAOSU Extension is able to provide supportive services to Franklin County BAFF participants in collaboration with community, civic, corporate, collegiate and church partners. These programs and services include Individual Development Accounts (IDAs), which can be used towards the purchase of a home, business or higher education. Moreover, they are able to gain access to other valuable programs, services and resources including, but not limited to:  banking, GED, employment, public benefits and much more!

Not only does OSU Extension offer financial literacy training and counseling in the community, but the programming has been extended to Pickaway Correctional Institute inmates who are non-custodial parents and preparing for reintegration into society. Susan Colbert and Lois McCampbell, located in OSU Extension’s University District, are facilitating the program, which consists of four (2-hour) financial literacy workshops offered once a week for four consecutive weeks. The program offers inmates who reside in Franklin County (and have been ordered by the courts to pay child support) an array of skills that can help build a collaborative relationship between the child support agency and fathers with children. This program will provide tools to build personal financial development, credit education, positive child support financial counseling, home buying education, college pursuit directives, driver’s license reinstatement, establish paternity servicing, job preparation and more. The program has been well received by PCI officials and inmates!

(Submitted by Susan Colbert, Program Director, University District)