Financial Literacy and Budgeting

Elizabeth, one of our Appalachia Cares/AmeriCorps members, had a great time today with the residents of Laurelwood Apartments in Morristown presenting a workshop on Financial Literacy and Budgeting.

Immediate position available

Immediate position available. Use your talents and gifts to serve your community while gaining valuable experience and earning money to further your education or pay off student loans! Clinch-Powell RC&D, a non-profit community housing development agency, has immediate openings for Appalachia CARES, AmeriCorps positons. High School Diploma or GED required. Experience in an office setting, sales, real estate or construction a plus. Submit resume to cprcdinfo@gmail.com . Clinch-Powell is an EO/FH employer and provider.

Maples Florist

Did you know Clinch-Powell RC&D makes small business loans? You can receive from$1,000 - $45,000, with interest rates as low as 2%. In 2005, we provided financing allowing Darlene Phillips to purchase Maples Florist, which is still located in downtown Rutledge.

West View Middle School

AppalachiaCares/AmeriCorps members Andi Richardson, Kelsey Cook, and Elizabeth Grarisham are spending the day at West View Middle School educating kids about making smart financial choices with a fun, interactive game using candy as money.

Housing Word of the Month: Affordable Housing

The term affordable housing is often used, but do you really know what it means? There are some misconceptions out there. Affordable Housing does not mean that housing will have no cost, nor does it automatically mean that a housing subsidy is involved, although that may be the case at times. Affordable Housing, simply put, means that the cost of housing for a family is an affordable percentage, based on established guidelines, of the gross household income.

Grass clippings

Grass clippings add necessary nitrogen to a compost pile, but be sure to mix with the “brown” materials that add carbon. Both are necessary for quick decomposition and rich compost. Piles made up of just grass will compact, slow down and start to stink. for more tips on composting check out www.planetnatural.com

National Service Training for AmeriCorps Staff

Appalachia CARES Program Director, Trenna Brown, and Program Assistant, Stephani McCarty, enhanced their knowledge of AmeriCorps policies, techniques for outreach and overall success of national service programs at the Southern Regional Training last week. The Corporation for National and Community Service (CNCS) led the training, which was hosted in Orlando this year by Volunteer Florida.

Finding the best home loan.

Clinch-Powell will help you find the best home loan anytime of the year. Why wait when we can help you qualify for $5,000 right now to be used toward closing costs or downpayment assistance? Call us now at 865-828-5927 to learn more or get started. Some restrictions apply.

Celebrating AmeriCorps!

Last week was National AmeriCorps Week! Corps all over the country celebrated with media events, service projects and opportunities to share their stories about being involved in national service. Our Appalachia CARES / AmeriCorps Program Staff attended the Statewide Conference on Volunteerism and Service-Learning, hosted by Volunteer Tennessee. Appalachia CARES currently has over 45 members in direct service from the Tri-cities to Nashville.

Clinch-Powell teams up with Glenmary Volunteers

Clinch-Powell has developed a new partnership with Glenmary Home Missioners, a ministry of the Catholic Church serving rural America. Glenmary has recently established a mission retreat on Joppa Mountain Road with the purpose of bringing their services to Grainger and Union County. College students and staff from the group have assisted Appalachia CARES / AmeriCoprs member, Jeff Stidham, with tearing down a condemned home in Union County so that the land can be used to provide a home ownership opportunity to an area family. We look forward to partnering with this great group of young people on other projects in the near future. For more information on Glenmary Home Missioners, visit their website at www.glenmary.org. You can find more pictures of this project when you visit the Clinch-Powell Facebook Page.

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Amy's Story



Clinch-Powell would like thank FAHE, a Home Ownership Network organization, and valuable partner, for this moving video highlighting one of our favorite home ownership stories. Check out Amy's Story. 

Share your magazines!

Share your magazines! Read them, and pass them on. Goodwill, the Kidney Foundation and other used goods collection agencies will usually accept them. You can also pass them along to a doctor's office for the waiting room if they are still current issues. To eliminate even more waste, sign up for magazine subscriptions on your iPad, tablet or Kindle.

Housing Word of the Month: Closing Costs

If you have ever bought a home, you have probably heard the term "closing costs" or "settlement charges." For those of you not so familiar with the home buying process, closing costs are the expenses over and above the price of the property that buyers and sellers normally incur to complete a real estate transaction. These costs include loan origination fees, appraisal fees, title searches, title insurance, surveys, taxes, deed-recording fees and credit report charges. They are necessary, but they can certainly add to the total cost of your home purchase.

HOME Ownership Opportunities in Morristown

Clinch-Powell wants your input! We intend to apply for a grant to rehab houses in Morristown to improve the energy efficiency and repair any substandard systems in the house. The houses would sell to qualified lower income families with 100% loans. To qualify, you would need an annual income of roughly $18,000/yr and the payment would be about $452/month (including taxes and insurance).

Helping our neighbors

Are you ready for this week's success story? Here we go:

A client of CPRCD was working as a home health CNA but her hours kept getting cut back which made it hard for her. Through the work of the Clinch-Powell Home Team and the Hardest Hit Fund, she was approved for 3 years of payment assistance; total funds allocated are $35,013.35. It has been a long road but it is so worth seeing her smile and say "Clinch-Powell Home Team was a life saver for me and my family! They were my voice. They were my wonderful and passionate advocate. They made me feel empowered."

Henderson Chapel AME Zion Methodist Church: A Picture of Resilience

Written By: Elizabeth Grisham

Appalachia is rich in beauty and culture. There is no place quite like it, and for centuries lives here have woven together, like squares on a quilt, to create a patchwork image of the triumph and hardship; the victory and adversity that make up the human story. As our Nation celebrates Black History Month, we would like to take a moment to reflect on a remarkable piece of East Tennessee History that played out here in Grainger County, only a few feet away from our beloved Bryan House: The History of Henderson Chapel AME Zion Church.

Home Team Experience Survey

The purpose of this survey is to provide clients with an opportunity to voice their opinions and collectively influence decisions made by the Home Team program.

Introducing The Bryan House Buzz!

We are excited to roll out our email based newsletter, The Bryan House Buzz. To be issued twice per month, it will arrive directly to your email inbox from news@clinchpowell.net. Check out the Buzz over a cup of coffee for news and notes you need to know!

Sign up here

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