NEWS

S.T.E.P. helps military families

Besides providing financial counseling services and emergency financial assistance, the Support the Enlisted Project holds special events throughout the year for the program’s military families. (courtesy of S.T.E.P.)

S.T.E.P. helps military families

The Support the Enlisted Project (S.T.E.P.) is a nonprofit headquartered in Scripps Ranch that assists young military families in financial crisis.

“We work with pay grades E1 to E6 in all branches of the service in Southern California.” said S.T.E.P. CEO Tom Teravainen.

“We define a financial crisis as imminent loss of financial necessities,” he explained. “For example, they are about to lose their home, their car, their electricity or critical needs for their baby, or maybe they don’t have money to feed the family.”

This assistance begins with a two-step process starting with professional counseling designed to inspire the family in need to make their critical moment a turning point in their life.

“We want to use the donated dollars from our community to last their lifetime through education,” Teravainen said. “That is our focus. We understand the many hardships these young families face; ranging from deployment to the 50 percent spousal employment rate that’s below the low-income cutoff established by H.U.D.

“Our Financial Counseling Program consists of professional social workers who created a short-term intervention that takes about 10 to 15 hours of counseling per family over a course of several weeks.”

S.T.E.P. CEO Tom Teravainen

The assistance provided comes in the form of life lessons. An array of experts teach families how to do long and short-term planning, educating them to understand their current financial situation and then provide help enabling them to build a concrete plan to achieve goals for their future.

“This program helps, educates and assists, which empowers them to take control of their finances,” Teravainen said. “We help them get on a positive budget path, we help them get a full-debt reduction plan, then we discuss the elephant in the room which may be the eviction or repossession they’re facing.

“And if we can’t figure out how to use their future dollars to stop that loss, we will go ahead and write a check to cover that debt. So, basically it’s a two-step process where we teach them to fish and teach them how to get back on their own feet.”

Over the last six years, 4,000 applicants went through the process and 88 percent of the families are still working though the goals and objectives they set. Although they are eligible for two grant cycles, 92 percent of the families that received money have not come back for a second grant, Teravainen said.

“We don’t have a process to pay loans. Everything we do comes from grant dollars. We don’t want to add to their debt load. Our mission is to help these young military families move from a financial crisis to being financially self-sufficient. That key of being financially self-sufficient is where these secondary programs come into play,” Teravainen explained.

“It’s important to meet all these people and to let them know we’re there to help the best we can,” he said. “We’re privately funded. We don’t take state or federal funding, so it’s imperative to meet new donors, new funders, new community members and new partners.

The local office is in Scripps Ranch at 9951 Businesspark Ave., Suite A. To learn more about the Support the Enlisted Project or to make a donation, visit stepsocal.org.

274 thoughts on “S.T.E.P. helps military families”

  84. Eşimi Aldattım, Erotik itiraf, Erotik itiraflar.
    Şehir: Afyonkarahisar. Rumuz: Rita. Tür Aldatma itirafları.
    Geçen Ay Eşimin Arkdaşı bizim eve geldi ve 1 gün bizde kaldı ertesi gün sabah eşim işe
    gitti ve arkadaşı bizde kaldı kahvaltı yapdı kahvaltıdan sonra benide yapdı anlıyacağınız:) üzerimde sadece gecelik.

  107. Gerçek Porno Yıldızı olan Megan Inky modelinin Canlı Performansına Katıl🔥 Ücretsiz sohbet, çıplak
    fotoğraflar ve seks videolarının tadını çıkar! ️ I will fuck
    a huge dildo and make u come all.

  135. Alman sex filmi izle. Alp dağlarının eteklerinde köy hayatı yaşayan kızlar ve
    köyün vahşi, sex düşkünü erkekleri arasında yaşanan cinsel ilişkilerin erotik filmi.
    Dağın ormanlarında çığlık çığlığa sex filmi izle.
    Alman klasik erotik filmi 720p Restorasyonlu izle.

    Schwedinnen auf der Alm (1983).

  164. Στα πιο σημαντικά παιχνίδια, οι επιλογές που έχεις στην διάθεση σου είναι αναμενόμενα πιο πολλές. Όπως μπορείς να δεις και στην παρακάτω εικόνα, το Pamestoixima Live σου δίνει την δυνατότητα να στοιχηματίσεις επάνω σε αγορές λεπτού (fastbets), κόρνερ, καρτών και ειδικά παικτών. Περισσότερες αγορές στα O/U (συνολικά και ομάδων), στοιχήματα επάνω στα γκολ και στα χάντικαπ, συνθέτουν ένα «πλήρες πακέτο» CHARLTON ATHLETIC Ο Aramis οπότε θα σας κρατάει στοιχηματική παρέα, όταν έχει κάτι καλό να μοιραστεί μαζί σας. http://musecollectors.org/community/profile/stephenstrangwa/ Το live στοίχημα μπορεί να έχει το χαρακτήρα του μονού αποδεκτού στοιχήματος ή στοίχημα παρολί ή και σύστημα με 2αδες , 3αδες , κλπ.Οι εταιρείες online betting προσφέρουν την συγκεκριμένη υπηρεσία πολλά χρόνια πριν , ενώ και ο ΟΠΑΠ προσέθεσε το live στοίχημα στα πρακτορεία τα τελευταία 2-3 χρόνια. Συνέχεια με εξαιρετικά δύσκολη αποστολή για τον Παναθηναϊκό στη Euroleague, καθώς υποδέχεται στο ΟΑΚΑ στις 21:00 την τουρκική Ανατολού Eφές. Θα γίνουν σήμερα άλλες τρεις αναμετρήσεις για την κορυφαία καλαθοσφαιρική διασυλλογική διοργάνωση, καθώς στις 20:00 ο Ερυθρός Αστέρας υποδέχεται τη…

  167. Not all, but a lot of online casinos in Canada, offer a no deposit bonus. Depending on the type of player the casinos wants to attract they can choose one out of multiple types of registration bonuses. The most well-known type of no deposit bonus in Canada is the free spins bonus. This means new Canadian players can play a certain amount of spins on one or more selected slots. But there is more! Below I will list the most popular types of no deposit bonuses in Canada; Online casino welcome bonus can typically only be claimed once. The two most common types of such bonuses are deposit bonuses and free spins bonuses for online slots. Deposit bonuses can give players the edge by expanding their payroll with extra money to play with. For example, a 100% up to €200 deposit bonus can give you a maximum of €200 extra on top of your matching deposit. It is no wonder, then, why these kinds of bonuses have indeed become so popular.
    https://forestfirehub.com/community/profile/ydnanh260932745/
    BetChain Casino Under the Sea Quick voyages to the California Coast, Caribbean and Mexico. Thieves are using cloned key fobs to steal Dodge muscle cars and other high-powered vehicles directly from dealerships and even automakers in Michigan, then selling them for tens of thousands of dollars less than their value, according to authorities and court records. At Casino.org you can compare the top online casino sites and play for real money, saving you time on your search for a great site. French Canadian players will find Casino en Ligne Canada and Casino en Ligne Québec helpful pages. We also have a detailed Canada gambling guide for further information on the topic. Real money casinos want to appeal to all their customers, which means there are fantastic mobile casino bonuses exclusively available to those playing using an Apple, Android, or any other type of mobile device. The casinos we recommend feature some of the best bonuses around, which is one of the main reasons so many people trust us.

  171. Melden Sie sich mit Ihrem Microsoft-Konto an, um die Inhalte anzuzeigen. Diese können anstößiger Natur sein. Шукаєте сторінку Microsoft Store для такої мови та країни/регіону: Ukraine – українська? Außerdem orientiert sich die Bedienung an der bekannten Desktopvariante, so dass es immer eine gute Idee ist es. Falls bei diesen Wahlen eine neue Regierung gewählt werden würde, die Bedingungen zu überprüfen. Natürlich gibt’s die Gratiswetten nicht geschenkt, bevor Sie sogar einen gewissen Bonus beanspruchen. Bei Casino Gods winkt für Dich nicht nur ein toller Willkommensbonus, Deutsch. In diesem Fall handelt es sich um das Reiseziel Venus Spiel und das Countdown Game, Spanisch.
    https://koniecczasow.pl/community/profile/napoleontucker6/
    Ich will nicht lange nachdenken, Roulette zu spielen. Ist er derjenige mit den besten Spielen, und deshalb bringe ich Ihnen diesen Roulette-Leitfaden mit. Bonus ohne einzahlung sportwetten 2022 obwohl diese Lizenz noch nicht von der Glücksspielbehörde ausgestellt wurde, damit auch Sie viel Spaß in einem Casino oder mit einem der Spiele haben können. Raucherbereiche sind vorhanden Montag bis Donnerstag Österreichischen Casinos Was gibt es außer den Klassikern noch im Casino Club? Kurz gesagt: So gut wie alles, was Casino-Spieler lieben – von Video-Poker-Spielen wie Bonus Poker, Deuces Wild und Flush Bonus Poker über zahlreiche Varianten von Bingo und Keno bis zu vielen verschiedenen Versionen von Online-Rubellosen wie etwa Fun Fair, Full House und Shop A Lot.

  194. You can withdraw a no deposit bonus once you have met the specific requirements attached to the offer. In most cases, the no deposit bonus will not be immediately withdrawable or not eligible for withdrawal. For example, you cannot ‘withdraw’ free spins as that’s impossible. In most cases, you will have to wager your free spins or free credit a certain number of times before it turns into withdrawable cash. You may be able to withdraw a free cash no deposit bonus, but these are usually reserved for high rollers only. As obviously assumed from their self-explanatory name, there are bonuses that don’t require players to deposit anything, but in return, they get some credits to explore the casino. 150 Free Spins Canada | Best casino game bets in Canada The player’s goal is to be able to score a score of 21 or, at least, have a score equal to or higher than that of the dealer. In terms of game bonuses at this time there is no active formula in particular if not a deposit bonus that is normally 100% of the amount paid and that then doubles the pleasure for fun in the portal. Live blackjack with live croupier has become one of the favorite casino games by players: here is a complete guide to learning to play.
    https://archermdoa223344.popup-blog.com/17658577/russian-roulette-casino-game-online
    also check- best bingo apps android/iphone / best strip poker apps android/iphone Blackjack Free is one of the most popular apps on app stores and there are certain reasons for that. The app is suitable both for beginners and for advanced players. Customers can easily access different site pages by using a dropdown menu in the upper right corner of the home screen. Plus, SuperSlots offers easy-to-use real money casino apps for Android and iOS mobile devices. This has proved to be a great success at the Google Play Store. It was developed by Banana & Co and if you love blackjack, you just have to download this app. You can be wagering everything from $5 to millions, best to keep within your budget though. It’s free to download and there are free chips given out every day. There are several apps to play blackjack. Most online casinos do not have a downloadable blackjack app. However, you can instantly play on your web browser on your smartphone. You can play blackjack games on your mobile device at our recommended online casinos. Our team of experts reviews each site and guarantees a safe and fun gameplay experience.

  204. American Roulette | European Roulette | 3D Roulette | Roulette Bets | Roulette Rules Taking the Martingale Roulette Strategy, for example, you are required to double your money down on each bet until you win. Bet 20. Lost again? Okay, bet $40. You keep doing that until you eventually win. Once you win, you go back to your starting bet. In theory, it sounds like you’ll win eventually, but you might also lose your bankroll well before that winning bet comes in. Similar to Paroli, which is derived from Martingale, Oscar’s Grind is a fresh outlook on roulette strategies. This strategy wants to take advantage of consecutive wins but, of course, these aren’t guaranteed. With Oscar’s Grind, the player increases their wager on a win on the condition that they’re not in profit. They don’t need to do anything on a loss. As a bit of trivia, this system is known as the Pluscoup Progression in continental Europe.
    https://louistgnf221009.tokka-blog.com/17158315/casino-24-online
    Las Vegas casinos will present you with a variety of gaming options and that includes exciting games like Baccarat, Blackjack, Craps, Pai Gow Poker, Roulette, and more, including various variants of the games mentioned. Many people like slots because they are easy to play, while other beginners prefer roulette, which is fairly simple to understand. Whatever casino game you decide to play, read all the rules regarding the game before betting any money, including how payouts work. To summarize, most experts agree that you’ll have the best chances of winning if you decide to play blackjack, craps, or roulette. For blackjack, you could do better with some skill; for craps, you’ll mostly have to rely on luck; for roulette, you’ll only need luck. And if you want to play a game based on your skills, you should play poker, as your odds get higher when you improve your skills.

  205. P2P Bitcoin cash exchange acts as an escrow service, and therefore it is a secure and comfortable way to buy Bitcoin with cash. Here, all you need to do is sign up for a good P2P exchange and find reputable local Bitcoin buyers or sellers. It’s our mission to make cryptocurrency accessible to anyone who wants to buy some. If you have any questions about purchasing Bitcoin cash online, setting up your RockItCoin wallet, or using one of our crypto ATMs – we’re standing by to help! Our customer service representatives are available to provide personal assistance to you via text, email, or phone call. What is bitcoin cash, and how does it differ from bitcoin (BTC) and bitcoin gold (BTG)? Is the dip an opportunity to buy into the cryptocurrency, or is there potential for the price to fall further?
    https://critterfam.com/forums/users/ermagroth4141916/
    Binance Coin (BNB) is the cryptocurrency of the crypto exchange of the same name. In a short time, Binance grew to become one of the largest crypto exchanges in the world. The price of BNB benefits from this. However, the process requires patience, a well-thought-out risk management plan, and a carefully curated list of cryptocurrencies to watch. The following discussion will explore some of the best cryptos to buy now. These cryptos have a ton of potential – although none come with a guarantee that they will succeed. Transfer to any crypto wallet For those who worry about fraud, there can be more stringent regulations, say to deal with the Initial Coin Offerings, to help protect investors. We mentioned futures on cryptocurrencies and as the market develops, there can be futures on other cryptocurrencies that are traded on a reputable exchange. Futures also allow for cryptocurrency bears to sell the asset short, thereby improving the liquidity overall.

  221. Charlotte Harpur49 The sale of Manchester United for €6billion means Qatar is a possible buyer, although there are obstacles. Ronaldo’s first touch in Saudi football was a throw-in but he had a shot saved and a penalty appeal waved away before Navas caught him flush on the cheekbone as they challenged for a high ball. Wales 0-0 USA (International Friendly)  We have tips from all around the planet … to help you to win more beer-money. Man Utd hatch Mason Greenwood plan involving ‘groups from the men’s and women’s squads’Manchester United are conducting an internal investigation into Mason Greenwood’s dropped charges. 02-2 02:53 -> 9.00 Real time data feed solutions for betting, sports, media and Internet companies in JSON or XML format API.
    https://www.lizzieslife.co.uk/forums/users/2257dclxxiv3279/
    Football | Ice hockey | Tennis | Basketball | Handball | Volleyball | Baseball | Am. football | Rugby Union | More sports » Bet on Football from your mobile with 1xbet! REFRESH Livescore Mobi is the best website to update football livescore online. Livescore.mobi has been added to the.MOBI top-level domain registry. Take a close look at the various locations in the.MOBI zone. All Games | LIVE | Finished | Odds All Games | LIVE | Finished | Odds Livescore.mobi has been added to the.MOBI top-level domain registry. Take a close look at the various locations in the.MOBI zone. You won’t need to go anywhere else other than Livescore Mobi for football stats now that match information and lineups are included. Its live streaming service, which includes matches from Serie A, the Eredivisie, and other top leagues, is available to anyone in the United Kingdom and Ireland, while anybody in Nigeria may enjoy our net-busting live coverage of the Premier League.

  222. One of the challenges that teachers often face is preparing fun and engaging games and activities for their students. With more and more schools transitioning to virtual classrooms, coming up with game ideas has become much more difficult. Oh, so you want to bust out those karaoke skills? You might not be crowding into the bars to share a mic with germ-y strangers right now, but you can still scream-sing “Sweet Caroline” like it’s the good old days. That’s the beauty of Smule! The multi-player karaoke app allows you to duet with your friends, join a singing community, or even record yourself. Get it on the App StoreGet it on Google Play  We have a massive catalog of games designed to be played over video calls. Have fun within your remote team.
    http://www.ccti.co.kr/bbs/board.php?bo_table=free&wr_id=159682
    Horse Club Adventures (v20210428) Size: 919.68 MB Get the latest news and videos for this game daily, no spam, no fuss. In this video, I examine everything from the game’s level design and environmental storytelling to its pacing and structure, to try and better explain why it’s the greatest game ever made. The story revolves around horses being scared by a recent lightning storm – and it’s up to Barbie to bring them back to safety. A simple basis for the trivial execution of search and rescue mechanics. Throughout the game, you will guide Barbie on her horse through the colorful environments. The player will gather the horses and tame them into returning home. That’s really about it. Released in 2003, it’s extraordinary mix of storytelling, graphics and sound wowed everyone who played it, and it remains an incredibly influential title to this very day. The Witcher 3 and Red Dead Redemption 2, for example, both borrowing its horse riding mechanics.

Leave a Reply

Your email address will not be published. Required fields are marked *