Lunch

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Lunch Learn Series Income 101
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LIVE UNITED
United Way is working to advance the common good
by focusing on education, income and health.
These are the building blocks for a good lifea
quality education that leads to a stable job,
enough income to support a family through
retirement and good health. Our goal is to
create lasting changes that prevent problems
before they happen. One of the ways we do this is
through our 10 year plan to end chronic
homelessness. We invite you to be a part of these
changes. Together, united, we can inspire hope
and create opportunities for a better tomorrow.
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United Way Advancing the Common Good
Creating the opportunities for a good life for
all by focusing on
Education Helping Children Youth Achieve Their
Potential
Income Promoting Financial Stability and
Independence
Health Improving Peoples health
Homelessness Ending Chronic Homelessness

• Maximized income
• Increased savings
• Financial assets for long-term stability

• School readiness
• Academic achievement
• Engaged parents

• Healthy children and youth
• Healthy parents and families
• Healthy seniors

• Housing with services
• Mental income support
• Employment help

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Thank You for your investment!

• What you invested in our community
• 140,588 UPDATE WITH CORRECT COMPANY NUMBERS
• 98 UWMA staff volunteered 185 hours across our
  community 3,473 in-kind value! UPDATE WITH
  CORRECT COMPANY NUMBERS
• What community results your investment achieved
• Provided more than 10,000 young children with
  access to quality child care
• Helped more than 820,000 people resolve crisis
  and meet their basic needs
• Answered 328,653 calls through United Way 2-1-1
• Helped more then 310 home-based child care
  programs and 625 child care centers get technical
  assistance and training for their teachers,
  impacting more then 40,000 children
• More than 74,000 youth attended United Way funded
  after school programs and summer camps
• Helped more than 40,000 low-income, homebound
  individuals live independently by providing home
  repairs, in-home services and meal delivery

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Income 101Understanding Community Impact
Community Impact Making lasting improvements on
the human care issues our community cares about
most
Encouraging Civic Involvement
Investing in Community Economic Development
Delivering Human Services
Strategies
Activities
Public Awareness Resource Development Providing
Information and Access through United Way
2-1-1 Influencing Public Policy
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Income 101Activity and Discussion
Give it to me straight two truths and a
lie. Objective Students will be given a table
tent with income facts (Who, What, Where, How,
Solutions) but the catch is that some of the
facts are true and some are false. The object of
the game is to identify the truths and
lies. Rules Everyone plays! Everyone wins!
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Income 101 Give it to me 1What is economic
self-sufficiency?
It describes the ability for a family to meet
basic needs without assistance from charities or
the public.
In metro Atlanta, a family of four would have to
earn 21 an hour to be self-sufficient.
The definition changes based on the geographic
location of the household.
The amount of income needed to be self-sufficient
changes based on the cost of housing,
transportation, child care, and other basic
expensesall of which vary from one county to
another.
It describes an economic state where families
have just enough income to pay their monthly
bills regardless of having any savings or other
assets.
Self-sufficiency requires having some savings or
other assets in order to weather unforeseen
financial emergencies.
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Income 101 Give it to me 2Who is at economic
risk?
In 2008, a family of three, including 2 children
is living in poverty if the family income is at
or below 17,600far below self-sufficiency.
The Metro Atlanta Fair Market Rent for a two
bedroom apartment is 824. A family in poverty
could easily spend more than half of their income
on housing alone.
15 percent of full-time workers in metro Atlanta
made 30,000 or less last year.
More than 28 percent of full-time workers made
30,000 or less in 2007.
According to the Department of Housing and Urban
Development, ones housing is considered
potentially unaffordable if it costs more than
30 percent of the households annual income.
39 percent of renters living in metro Atlanta
spend more than 30 percent of their income on
housing.
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Income 101 Give it to me 3What challenges do
families face?
Economic stress has been linked to increased
rates of divorce, child abuse and domestic
violence.
However, the majority of low-income working
families are headed by a married couple.
Few infants born into poverty have a low birth
weight, which is associated with many preventable
mental and physical disabilities.
Not only are these at-risk infants more likely to
be irritable or sickly, they are also more likely
to die before their first birthday.
Children living in families that are unable to
afford safe and decent housing are at greater
risk for educational and developmental set backs.
Residential stability increases parental
involvement in the childs school, and reduces
health problems, housing related stress and
missed school days.
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Income 101 Give it to me 4What are root
causes?
Low-income families arent willing to work.
81 percent of low-income families work an average
of 1.2 full-time jobs.
Limited education results in fewer marketable
skills.
While the majority of low-income working families
have at least a high school education, having few
marketable skills leads to low-paying jobs and
less ability to afford housing, food, clothing
and medical care.
In metro Atlanta, 1 out of 3 individuals has no
savings, and many struggle with increasing
household debt.
The average American household with at least one
credit card has nearly 9,200 in credit card
debt, and the average interest rate runs in the
mid-to-high teens at any given time.
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Income 101 Give it to me 5What are the
solutions?
United Way only works with non profit community
partners to increase financial stability.
United Way works with banks, the federal
government (IRS) and private companies to
increase household income, savings and assets.
United Ways financial stability work begins with
tools and strategies that help families increase
and maximize their income, in order to meet daily
expenses.
United Way partners with organizations that
provide case management and supportive services
to help workers overcome barriers to employment.
United Way brings together partners to help
lower-income individuals and families achieve
financial independence by empowering them with
the tools and skills necessary.
Individual Development Accounts (IDAs) are
matched savings accounts designed to help
low-to-moderate-income families accumulate
savings for long-term assets and helps families
increase long-term assets.
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How will you live what you learned today?

• Stay informed. Get involved.
• Participate in UWMAs campaign
• www.unitedwayatlanta.org
• Sign up to receive UWMAs newsletter
• www.unitedwayatlanta.org
• Volunteer by calling United Way 2-1-1 or
  exploring www.unitedwayatlanta.org/volunteer
• Give. Advocate. Volunteer.

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