[tabi] Re: I have an idea for TCB, NFB, and the Lighthouse

  • From: "Chip Orange" <Corange@xxxxxxxxxxxxxxx>
  • To: <tabi@xxxxxxxxxxxxx>
  • Date: Fri, 15 Jan 2010 16:52:52 -0500

Hi Daniel,

I know this can be done, because it was done back in the 80's, by what
is now known as the Lighthouse (then it was Independence for the Blind).

The interest rate was only 2 percent, back in the days when we had
double digit prime rates, this was equivalent to interest free.  Many
were not able to pay back their loans, and no one was prosecuted for it.
at that time the state was providing the initial funding, but they did
not choose to continue funding the loan fund.

Daniel, if there are grants, I think it likely non-profits such as FAAST
would be using them already.

Chip





------------------------------

Chip Orange
Database Administrator
Florida Public Service Commission

Chip.Orange@xxxxxxxxxxxxxxx
(850) 413-6314

 (Any opinions expressed are solely those of the author and do not
necessarily reflect those of the Florida Public Service Commission.)
 

> -----Original Message-----
> From: tabi-bounce@xxxxxxxxxxxxx 
> [mailto:tabi-bounce@xxxxxxxxxxxxx] On Behalf Of Daniel Ben moshe
> Sent: Friday, January 15, 2010 4:14 PM
> To: tabi@xxxxxxxxxxxxx
> Subject: [tabi] Re: I have an idea for TCB, NFB, and the Lighthouse
> 
> That is why I said just go a head for now and do the grants.  
> However use
> the same criteria that is being talked about here.  This is 
> very much true.
> As someone who has worked with non profit orginizations this 
> is not going to
> be an easy thing.  It's noble, but not easy. That being said, 
> it can be
> done, if the will is there, and it looks as if the will is 
> there to create a
> program to salve this problem.  To be frank, we as blind 
> people had better
> start getting use to taking care of ourselves in just this very way.
> Because we will all have to do this type of stuff here soon.     
> 
> 
> I'M glad to be your humble and obedient servant 
> Zechen Daniel Ben Moshe 
> BYS Broward County 
> www.theblindcansee.org  
> -----Original Message-----
> From: tabi-bounce@xxxxxxxxxxxxx 
> [mailto:tabi-bounce@xxxxxxxxxxxxx] On Behalf
> Of Chip Orange
> Sent: Friday, January 15, 2010 4:01 PM
> To: tabi@xxxxxxxxxxxxx
> Subject: [tabi] Re: I have an idea for TCB, NFB, and the Lighthouse
> 
> Darla,
>  
> I never said people would not repay their loans (I did call 
> it a loan fund
> after all).  If I had somehow proposed something illegal (a 
> stretch you
> really had to work at to come up with that accusation), do 
> you think the
> Lighthouse would have expressed support for the idea?
>  
> as for the rest of your message,  well, I can certainly tell 
> you couldn't
> make it work.
>  
> Someone once said "those who say they can do a thing, and 
> those who say they
> can't, are both right!"
>  
> Chip
>  
> 
> 
> 
> 
> ------------------------------
> 
> Chip Orange
> Database Administrator
> Florida Public Service Commission
> 
> Chip.Orange@xxxxxxxxxxxxxxx
> (850) 413-6314
> 
>  (Any opinions expressed are solely those of the author and do not
> necessarily reflect those of the Florida Public Service Commission.)
> 
> 
>  
> 
> 
> ________________________________
> 
>       From: tabi-bounce@xxxxxxxxxxxxx 
> [mailto:tabi-bounce@xxxxxxxxxxxxx]
> On Behalf Of djrogers0628
>       Sent: Friday, January 15, 2010 3:30 PM
>       To: tabi@xxxxxxxxxxxxx
>       Subject: [tabi] Re: I have an idea for TCB, NFB, and 
> the Lighthouse
>       
>       
>       Dear Chip,
>        
>       What you propose is totally unworkable; we were told of several
> funds, that used to exist and had a fairly considerable 
> amount of money,
> fall flat on their faces because the funds were not administered
> properly--you have to set up a nonprofit foundation of some 
> kind first; you
> need to find your funding sources--individual, corporate, 
> etc.--you need to
> set up a committee or board who will administer the fund and process
> applications, etc. etc.
>        
>       I wish doing what you propose was as easy as you think but it is
> not, and if we don't have re-payment, other funding sources 
> will back out
> because you are, in effect, giving grants rather than making loans.
>        
>       Are you delving into everyone's finances through some channel of
> which I am not aware?  I personally don't know anyone in Tally who is
> getting huge SSDI or Retirement checks, though I'll grant you 
> there are
> folks who don't have as much, and there probably ought to be 
> some way to
> verify an individual's financial status--that would mean some 
> people could
> not qualify because, even with a small-interest loan over a 
> fair period of
> time, will be more than they can afford.
>       ]
>       I will not involve myself in anything that is 
> questionably legal--oh
> yes, you do have to report to the 
>       IRS-because what you propose sounds more like a grant 
> program to me
> with no financial accountability to the contributors or borrowers.
>        
>       Darla
>        
>       -
>       Darla J. Rogers, B.A. M.S.
>        
>       djrogers0628@xxxxxxxxxxx
>       Home phone #:  850-329-7437
>        
>       Do not allow someone else to be a priority in your life while
> allowing yourself to be an option in theirs.--Ani Difranco
>        
> 
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> 
> 
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