Payday Lending Practices Harm Communities

Payday Lending Practices Harm Communities

Join Touching Miami with Love, the Cooperative Baptist Fellowship, and CBF FL and faith leaders across the country to stop harmful predatory lending practices. Read more about CBF’s advocacy efforts on payday lending HERE.

The Consumer Financial Protection Bureau (CFPB) is rolling back a recently created rule that requires predatory payday lenders to make affordable loans. Without this rule, payday loan sharks can prey on vulnerable consumers with debt trap loans causing default on other bills, overdraft fees, and even bankruptcy. The CFPB must protect families and stop the debt trap – not enrich payday loan sharks.

In my first months of ministry, I remember a faith leader offering a challenge to not simply create programs and services that serve people who are caught in tough situations in the river of life, but instead to go upstream and see who is pushing people into the river. That analogy stuck with me. Heading up the river is what advocacy is all about.

Recently I was able to be a part of CBF’s training event, Advocacy in Action, held in New York City. Throughout the four-day event, pastors, faith leaders and seminary students from across the country joined together to learn practical ways to put faith to action while impacting the most pressing issues of the day including immigrant and refugee issues, religious liberty and human rights.

Our group visited the United Nations to learn about global advocacy and hear about interfaith work being done from a panel of UN advocate experts. During our week, we viewed refugee stories up close at the Tenement Museum and stood beneath Plymouth Church in Brooklyn in the same room as those escaping slavery through the Underground Railroad. All of this was a great reminder of both the importance and the investment required for advocacy.

It seemed fitting that the following Monday, I would get to be a part of putting my new advocacy learning into action at a Pray-In and Press Conference to denounce the abusive practices of the payday lending industry.

This gathering brought together the Center for Responsible Lending, the Florida Council of Churches, the 11th Episcopal District of the AME Church, and the Cooperative Baptist Fellowship of Florida to protest outside of the Trump National Doral Resort in Miami as the national payday lenders association, The Community Financial Services of America (CFSA), held their annual meeting.

Touching Miami with Love joined this effort years ago and continues to learn about the industry that grows wealthy off a debt trap designed to force borrowers to take out increasing loans to pay off previous loans. It was encouraging to join prominent leaders in this movement as we prayed and called for justice to uphold the rights of the poor. We held signs attracting the interest of the police and media as we condemned the industry for their 400% APR rates and predatory practices that lead to an average of ten loans per borrower.

Following this experience, I was invited to join a researcher from the Center for Responsible Lending to be a local voice on Miami’s local public radio station WLRN’s show, “Sundial.” It was a privilege to shine light on the abusive practices of payday lending because no one should be thrown in the river drowning in debt.

Angel Pittman is a CBF field personnel serving as the Vice President of Touching Miami with Love. Since 1995, Touching Miami with Love has been serving the neighborhoods of Overtown and West Homestead, sharing the love of Christ through providing hope, opportunities, and resources.

Oasis Camp 2019

Reset! Oasis Camp, hosted by Branches, was truly a “reset” for our youth. God’s presence was at camp this year and the youth were blown away by their experiences. Surrounded by nature and with no technology for four days, they have an opportunity to connect with Jesus in new ways.

The theme this year was centered around Hebrews 12:1-2:
Therefore, since we are surrounded by such a huge crowd of witnesses to the life of faith, let us strip off every weight that slows us down, especially the sin that so easily trips us up. And let us run with endurance the race God has set before us. We do this by keeping our eyes on Jesus, the champion who initiates and perfects our faith. Because of the joy awaiting him, he endured the cross, disregarding its shame. Now he is seated in the place of honor beside God’s throne.

At camp, the youth and counselors had a chant that focused our attention on this verse.
“Hebrews Twelve. One two, One two…
Drop the weights.
Run the Race.
Set your eyes on Jesus’ face.”

After a few rounds of the chant, everyone would yell: “RESET—right now, right now” and the chant would begin again from the top. Reset.

Camp is an opportunity for our TML staff to connect on a deeper level to youth. During Cabin Devotions, one youth was really struggling with if she could stop a bad habit. She said she didn’t want to “drop the weight” because she didn’t think she’d be fully committed. “I want to follow Jesus, but I need to stop sinning first.” TML staff encouraged her that despite our human attempts, we are not the ones to clean up our lives. Jesus is. Reset. Jesus didn’t come for healthy people, but the sick. Reset. He died for us while we were sinners. Our bad habits might not change overnight. The more we learn more about Jesus and His love for us, the more we walk closer with Him, the less attractive those heavy sins will become.

The last night that same youth wrote these words, “I realized I don’t have to be perfect in order to follow Jesus.” She said she wanted to “put two feet in, instead of one foot.” She wanted Jesus to reset her life.

The truth is, we all need a reset. Not just our youth, but all of us. Omar, one of the staff from KIX, another participating ministry, said it like this: “We don’t need just a daily reset, but a moment-by-moment reset.” That is true for all of us. Reset.

Choosing to follow Jesus is a journey. It happens over time. There are days we will mess up, and we will need to reset. So, we will start again giving God the stuff holding us down, getting back to our purpose, and fixing our eyes back on Jesus.

Here’s what other youth shared from their experiences at Oasis camp,

“I don’t want to go back home; can we stay another week?”
– N. G.
“I’m going to make an effort to be different when I get back.”
– J.L.
“After tonight’s worship service, I felt a weight lift off of me!”
– A.P.

Drop the weight.
Run the Race.
Set your eyes on Jesus’ face.

UM Family Navigator

 

It’s tough news for any parent, their child’s diagnosis of a disability. Parents are often unsure of where to turn or what to do. After the shock begin to fade, the panic, fears, and the distress begins to set in. For low-income families, like the ones served at Touching Miami with Love, it can feel overwhelming.

We are excited to announce that our partnership with the University of Miami’s Mailman Center for Child Development has expanded. In February of 2018, we announced our formal partnership as University of Miami brought their impactful Parent Child Interaction Therapy to our two sites, read post HERE.

This winter, TML was asked to be among three community agencies to have staff trained in their Family Navigator Program. Five of our staff representing both our Overtown and West Homestead Site received the extensive training to be called a Family Navigator for the families served by Touching Miami with Love. The Family Navigator program was developed to ensure that children and their families receive needed services. The navigotors empower, support and educate families by implementing a system of care where Family Navigators work with families to help them get services for their children.

Our team of TML Family Navigators are equipped with skills to help parents identify family strengths, connect with needed services, advocate for their child, learn how to address school concerns, and help parents connect with other families of children with special needs or health care needs.

Touching Miami with Love is pleased to expand our partnership with the Mailman Center and are excited to continue working with Dr. Jeffrey Brosco, MD, PhD and his great team. Dr. Jeffrey Brosco, MD, PhD knows better than most about how important serving the whole child, and their family, is to their overall health. In a 2017 interview with Miami’s local public radio station WLRN following his appointment as Florida’s deputy secretary for Children’s Medical Services Dr. Brosco shared,

“A person’s health, and especially child’s health, is not just about their medical conditions. It’s also about their school, and their neighborhood, and their family, and violence in the community, and if there are playgrounds. And so we also have to think about the public health issues that inform child health.

Events that children live through, their environment, how they grow up—actually gets written into their biology, gets written into their bodies. If you look at the most important health issues in the United States, things like stroke and cardiac disease and cancer, almost all that starts as a child.”

As Touching Miami with Love continues to serve children through our wholistic programs, we are excited to now have five trained Family Navigators to assist our efforts, ensuring our families in Overtown and West Homestead have access to the support they need.

A Giver’s Heart

As we enter in a season that is known for giving, our middle and high school students have had a greater focus on Civic Engagement. The current civic engagement initiative is “Celebrating the Unsung Heroes.

Our first event in the series focused on Mrs. Gloria, our housekeeper at our Overtown Site. The TML youth worked hard and threw her a surprise “Appreciation Party.” In a very simple way, our students learned the power of selfless giving and the beauty of loving others in proximity. They learned that you don’t have to go far to show love and there are always people around you who deserve our appreciation.

Our second initiative was to honor our local firefighters. Our students baked and decorated cookies and delivered them to two local stations near our Overtown Site. The Miami firefighters from Stations 1 and 3 were grateful for their treats! The firefighters even took time to show us around their homes away from home. Making the time even more fun, they put some of our students to work a bit.  It was a wonderful exchange of love in the community and a great way to teach our youth to have a giver’s heart.

Written by, Gary Francis Overtown Youth Coordinator

“You’ve supported me, now it’s my turn to get to support you!”

By, Amanda Knight

Mycah walked up the steps of our apartment one night. When I opened the door she was wet from running through the rain and I quickly invited her in as we both embraced.  In her hands, she held a gift bag and her usual big beautiful smile.  She handed us the gift and told my husband Gavin and I that we needed to open the gifts in front of her so she could see our reaction.

As I opened the gifts, I took out beautiful baby onesies full of colors, with dragons, cute sayings, and adorable prints.  Since Gavin and I announced our pregnancy, these were some of our first baby gifts so the feeling of gratitude was especially powerful.  But the clothes didn’t stop!  More and more outfits, all thoughtfully selected. I noticed a card still in our bag.  I eagerly reached for the card, but she stopped me. “…You have to wait until I leave to read that,” she said.

Instead, we chatted about her upcoming summer job. She was looking forward to returning to work at Kids Across America—an inner city summer camp. This would be her second year to serve.  Gavin and I were happy to congratulate her in person on her amazing grades in college (straight A’s!), her leadership on campus as a Resident Assistant, and her involvement at her church.

After chatting, we realized her ride was still waiting for her in the parking lot.  We thanked her and hugged goodbye.  She ran back through the rain while Gavin and I both sat down to look again at the beautiful clothes that God had blessed us with. It was more than just gifts we were admiring, but more importantly, the beautiful relationship that God had been molding for so many years. The relationship had impacted both Mycah and me!  It was humbling to think back on all the Bible studies, outings, trips, and stories Mycah and I had gone through together.  I gave God praise and then remembered the card still in the bag!  As I opened the card, I read Micah’s note. These words stuck out boldly:  “You’ve supported me…now it’s my turn to get to support you.”

In my training as a social work major, there was always talk of boundaries, which indeed are especially important. Some understand boundaries to mean no contact with people you serve outside of work hours.  As Christians though, I think there are significant times when we need to evaluate if our boundaries are keeping others from using their God-given gifts for the kingdom.

Those of us who are used to giving, or “providing services,” often can feel very awkward receiving.  But in the same way that Jesus said, “It is more blessed to give than to receive,” we cannot be selfish and always be the giver.  We must also allow others the opportunities to serve and to give, even if that means we are the receiver.  It is indeed a humbling place to receive.

It reminds me of the feeling Peter must have had when Jesus said He must wash Peter’s feet.  Peter’s initial reaction was, “No Way!  You can’t wash my feet!  Jesus, no!  I serve you! You don’t serve me.”  When we are usually the ones that give, it can feel so wrong receiving–like things are out of order. But we need to remember that Jesus told Peter, “Unless I wash you, you have no part with me.”  Then Peter said, “Then not just my feet but my hands and head as well!”

We don’t always know where we will see the Lord in our everyday lives.  If we are open to both giving and to receiving, we may see Jesus through the interactions of people all around us.

Amanda, far left, with a group of TML Alumni.

Connected Stories: Connect to the life of a child through reading

The ability to read is not just essential for getting a good education; it is essential to life! Reading helps students grow their imaginations and build empathy skills as they envision themselves in the stories they read seeing the character’s life experiences through a new lens. At Touching Miami with Love, we provide all kindergarten through eighth-grade students thirty minutes of Literacy Class every day. Additionally, we have five Reading Interventionists between our two sites working individually and in small groups with our most struggling readers. Through our partnerships, we can provide bonus incentives for improved reading. One of our partners in this effort is the Bubba Gump Shrimp Restaurant. They offer us the opportunity to bring five students a month for a free meal at their restaurant. One parent recently commented, “I’m so glad that you can reward my daughter for her improved reading. I’d love to be able to take her to Bubba Gump’s as a reward, but I just can’t afford it. It’s so nice to know TML can take her for me. Thank you!”

We’re excited to add another component to our reading program this summer. In collaboration with our all-day summer programming, we are launching CONNECTED STORIES. In this initial project launch we are inviting TML supporters to take part in one or more ways:
• Come to our Overtown Site and read to children Fridays throughout June and July
• Purchase books from our Amazon book list
• Host a drive or donate to our children’s book drive for gently used books
• Volunteer to assist in sorting and preparing for our book giveaway at both sites.

CONNECTED STORIES is our way to connect to the larger community to the work of Touching Miami with Love and instill in the children the importance of reading. We hope you can join us! Find out more HERE

 

University of Miami Program Comes to TML

University of Miami’s Mailman Center for Child Development
The scenario is a common one. Mom is in the grocery store line anxious to check out after enduring aisle and after aisle of her young child begging for everything from juice boxes to her favorite cereal. The candy is now the latest in a string of battles and Mom has had enough. If this scenario sends waves of memories I bet you wished you had an expert voice in your ear guiding you through this and other tough parenting situations. For parents in Overtown and West Homestead, that expert guiding voice is now a reality. Touching Miami with Love is excited to be partnering with the University of Miami’s Mailman Center for Child Development in an innovative evidence-based treatment for young children with emotional and behavioral disorders. PCIT stands for Parent-Child Interaction Therapy and improves the quality of the parent-child relationship by changing parent-child interaction patterns. This parenting education program includes a blend of parent education and parent coaching.  During live interactions with their children, therapists coach from an observation room with a one-way mirror into the playroom, using a “bug-in-the-ear” system for communicating to the parents as they play with their child. Concluding each session, therapist and caregiver together decide which skill to focus on most during daily 5-minute home practice sessions the following week. Substantial research has demonstrated the effectiveness of PCIT for families with children between the ages of 2 and 12. In addition, PCIT has also been shown to work with children with autism spectrum disorders, chronic illnesses, and developmental concerns. So what does this mean for TML? UM’s PCIT program rents two converted rooms at both TML West Homestead and TML Overtown sites as therapy space in order to provide PCIT services to families in our community. Given the large number of children we serve at our sites and the daily access of parents picking up their children from our programming, we were excited to answer University of Miami’s call for partnership for PCIT. They recognize we are trusted by community members and our programs and services are already regularly accessed by families. For families being served by TML and UM PCIT, the PCIT therapists provide after-school behavioral consultation to TML when children or youth are exhibiting significant behavioural difficulties that may be impacting their ability to learn or perform academically. Additionally impactful for our children, when TML students in our year-round out of school program are exhibiting disruptive and/or aggressive behaviors or are at-risk for child maltreatment, our staff are able to provide a warm hand-off linkage approach to the PCIT therapist on site. The PCIT therapist then discusses services with the family and initiates the treatment engagement process. UM Therapist at our Overtown site coaches a parent as they interact with their child. Therapy sessions like these would usually cost families thousands of dollars, but through this unique partnership and the funding support of The Children’s Trust our communities’ parents have free access to this most advanced intervention for parents. View a video of what an example of PCIT with UM looks like HERE.

UM Therapist at our Overtown site coaches a parent as they interact with their child.

Hungry Teens Find a Place at the Table at TML

We are always encouraged by the generosity, creativity, and passion of our supporters. An article recently came across my news feed about why teenagers were always so hungry. Thinking of our son’s first weekend home from college and his constant grazing, it resonated with me. Reading deeper researcher Susan J. Popkin shared about the immense gap in food insecure teens. She wrote, “It’s easy to line up little kids and give them a backpack filled with food,” says Popkin. “But you can’t really do that with teens. There are stigmas about not wanting to stand out. I think they’re often seen as too hard to get to.”

We recognized the difference dinner could make over five years ago when we began providing meals each night of our youth programming as we re-created the family dinner hour. Not only were evening meals providing nutritious food to hungry youth in Overtown and West Homestead, it also created space for caring staff and volunteers to be a listening ear for young people. As we tried to match our resources with hungry youth, we found a new opportunity to engage the community at large and our project “Guest Chefs” was born. Individuals, church small groups, companies, and even families have joined us in providing one night of meals to our youth. We ask that groups do not just provide the meal, but stick around and chat with our youth too. It’s led to great conversations and open eyes on both sides of the table.

One partner church has taken being a “Guest Chef” to a completely new level. Several times a year, a small group of people from the church gathers to create hundreds of servings of dinner. It’s part of their outreach event, City Serve, and Christ Journey Church has created some huge fans of their cooking! We’re grateful for all those in the TML Family who use their time, talent, and treasure to bless the children and youth we serve.

Open Doors Lead to Open Hearts at Touching Miami with Love

Our doors are always open for you to see the impact of your giving and we invite you to stop in and see us in Overtown or West Homestead. When you do, here is just a glimpse of what you may find.

Our Spiritual Formation Directors (Amanda in Overtown and Martin in West Homestead) will be guiding the children through weekly devotionals that proclaim how they were fearfully and wonderfully made. Some of our children’s program instructors are leading engaging and educationally enriching lessons on literature, fitness, and enrichments in science topics, literature, or history.  Others are teaching the kids a drum cadence or dance lesson or are cooking up a culinary arts lesson.  You can peek in the window and see our Reading Interventionists; five in all at both sites.  They meet with students in one of the tutoring rooms where students get needed help with reading skills.  Our Case Managers will likely be just returned from their daily time in our partner schools where they met with teachers and shared lunch in the cafeteria with our students. Over the course of the afternoon, they will meet one-on-one to encourage the students and ensure that they are on track with their individualized Success Plans we create each year with students.

Our middle and high school students are working on TML’s laptops as they do their homework every afternoon and if you have time to stay for evening programming you’ll find staff setting up for dinner as we serve a full sit down dinner to begin each night of youth programming.  After dinner, our staff will then lead Creative Arts sessions, and on other nights Social Skills classes. Our Spiritual Formation Directors lead devotions for youth, challenging students to connect with the God who loves them.

We stay busy with nearly 450 children, youth, and adults actively engaged in our year-round programming and we couldn’t do it without your support.

Summer Matters

Touching Miami with Love provides programming in Overtown and West Homestead all-day for students. Because of all the learning and love that is happening. . . SUMMER MATTERS

Summer matters as research shows that children born into poverty are likely to suffer a 6,000 hour learning gap compared to their middle school peers.  This learning gap isn’t from a lack of classroom learning, but rather from the lack of access to greater world learning through a lack of preschool, summer camps, after school activities, family reading time, and day trips.  Here’s our top 10 ways we’re showing SUMMER MATTERS!

  1. Because Summer Matters our middle and high school students have been busy coding, drawing, writing, performing, programming, sharing, and learning a ton!
  2. Because Summer Matters we built partnerships with YouMake, Big Brothers-Big Sisters, Children’s Bereavement Center, Project YouTurn, and Augmented Intelligence Academy to make all this learning possible!
  3. Because Summer Matters we’re building up the literacy learning for all students each day, offering intensive courses for our most struggling readers, and a Kindergarten readiness program in partnership with Florida International University.
  4. Because Summer Matters we keep our children’s minds busy as they take part in visual arts, enrichment sessions, computer time, structured free choice.
  5. Because Summer Matters we keep our children’s bodies busy too as they take part in daily fitness.
  6. Because Summer Matters we share God’s love through Devo Time every day with fun songs, games, and skits.
  7. Because Summer Matters we go on weekly field trips engage, enrich, and open new learning to our children.
  8. Because Summer Matters we engage high school youth as interns in our summer programming building leadership skills with hands-on learning through internships.
  9. Because Summer Matters we challenge our students to give back. West Homestead Site youth traveled to Daytona to support the children’s summer programming at Central Baptist and our Overtown Site youth take part in weekly community service projects around Miami.
  10. Because Summer Matters we invite teams from across the country to come share in the summer fun as they bring new learning and experiences to our children at both sites. Thank you to all our great summer teams this year!
Summer matters to each and every child, youth, and adult we serve through our programs this summer. We hope the great things happening at Touching Miami with Love matter to you too!  Help support our summer programming through your summer gift to TML.  Just go to  https://touchingmiamiwithlove.org/give/ with your gift of $10 or more.  Summer is almost over, so don’t wait to show that Summer Matters!