PRELUDE, April 2008

TABLE OF CONTENTS




From Our Executive Director:
A DIFFERENT ABOMINATION

April is Holy Humor Month in many churches, so I would like to offer a bit of ecclesiastical levity:

One day a five year old asked his best friend if he would like to come to Sunday School. “Sure,” the other child replied, “but I better ask my Mom first.”

The next day the boy reported back, eyes downcast. “I can’t go to church with you,” he said.

“Why?” his friend asked, feeling a little hurt. “I don’t know,” the other boy answered, “I didn’t understand what she told me.”

“But what did she say,” his friend asked. “She said we belong to a different abomination.”

The child may have misheard his parent, but I sometimes suspect that this is how the Almighty views our human divisions.

We need denominations, of course. They help connect the people in the pews in your town with their fellow believers on the other side of the globe. They enable us to respond quickly and effectively to disasters near and far in a way that often puts to shame both government agencies and secular charities. They remind us that we do not strive alone to be faithful but rather “we are surrounded by a great cloud of witnesses” stretching across the centuries and around the earth. They help local parishes find clergy without being left on their own in a rough and tumble employment market. They provide pensions, health coverage, and other services that congregations might not find otherwise. Even non-denominational churches seem to be forced eventually to create informal networks that over time come to resemble denominational structures.

But we also know, if we are honest enough to admit it, that there is probably not a single parish or denomination anywhere that is exactly what God longs for us to be. This is part of the doctrine of sin, I think: God made each of to be a gift to the world — which Matthew Fox calls an “original blessing” - but things tend to get messed up, including you and me, even the church. And when we think we are without flaws or faults, we are really cruising for a bruising.

This is the season in which Christians are moving “from ashes to fire” — from the awareness of our human brokenness during Lent to the celebration of Pentecost, when the Holy Spirit overcame barriers of race, language, and nationality among the first followers of Jesus. This is a good time to reflect on how God may be calling us to turn around and head in a new direction, how God longs for us to change and to be reconciled to one another.

Shalom/Salaam/Shanti/Pax,
Tom

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A WORD OR TWO OF THANKS
Sara C. Weiss, Director of Development

We thank the following for their support during the month of February 2008 (we prepare our copy a month before publication), and for the blessings these gifts bring to our needy clients:

Eastern Suffolk BOCES$600 Multi-Faith Forum
First Parish Church (UCC) Jamesport$566 Where Most Needed

We also thank an individual who gave $500 in response to last month’s Most Urgent Need to help our Riverhead clients with transportation assistance, and we thank the many other individuals and institutions that also gave. We are grateful for all of these gifts.

As the reader can see from the short list of donors for February, this is a difficult time of year for us when donations are sparse, and similarly for other social service agencies. This is also the time of year when our clients, many of whom are the working poor, urgently need assistance with cold weather needs such as heat, bedding, blankets and cold-weather outer wear in addition to their chronic need for food, heat, housing, prescriptions and transportation assistance. They come to us because other agencies could not help them and we are their place of last resort. If we can’t help them, they have nowhere else to go.

Most Urgent Need

Prescription assistance continues to be one of our clients’ most urgent needs. Many come to us when they are caught in the 45-day waiting period to establish eligibility for public assistance.

For example, a 53-year-old African American male who is unemployed because of medical problems, applied to Nassau DSS for Medicaid. During the waiting period he moved so he did not receive DSS’s request for documentation he needed to complete his application. The 45-day waiting period elapsed and now he must start all over again. Meanwhile he has over $200 in prescriptions he needs to fill, but cannot afford to pay for them. We had no funds to help him.

A 55-year-old Caribbean-American woman who has both physical and mental problems is a Certified Nursing Assistant. She currently works as a temporary. She lost custody of her children and is paying most of her income to a lawyer to try to get them back. She came to us for assistance with prescriptions, food, housing, and transportation. She has also applied for disability insurance because she is disabled. We had no funds to help her either.

We also get numerous calls from nurses at Nassau University Medical Center and from mental health workers at the Mental Health Association asking if they can refer clients to us for prescription assistance, but we have to turn them down because we do not have the funds to help. At least 10 people a month come to our office for assistance and we turn away many more who call by phone asking for help. $1,500 would enable us to help ten people whose prescriptions average $150 each.

Memorial/Tribute Gifts

A great way to remember a loved one, whether living or deceased, is to give a memorial or tribute gift in his/her name. In your letter accompanying such a gift, please tell us who the gift is in memory or tribute to, and who is giving the gift. We will send a thank you letter to the contributor and to the family of the loved one in accordance with your instructions. Please send your contribution to the LICC, attention Sara Weiss. If you have any questions, call Sara for further information at 516-565-0290, ext. 207. Naming and Tribute opportunities are also available for our programs. Please call Sara for a list. We also have planned giving opportunities that will sustain these programs in perpetuity.

LICC receives $55,000 grant from Newsday Charities

Last week Newsday Charities, the charitable arm of Newsday, awarded a $55,000 grant to the Long Island Council of Churches’ Social Services and Family Support programs that serve Long Islanders in need throughout Nassau and Suffolk Counties. The Long Island Council of Churches’ gift was part of the $5.7 million the charity contributes to area nonprofit organizations to provide critical assistance to Long Island’s neediest children and families. Last year the LICC fed 17,531 hungry Long Islanders 157,779 meals and provided additional family support to another 4,150 individuals and families in crisis.

“For many years Newsday has been one of our most important sources of support for the work we do for our neighbors in need,” said Rev. Tom Goodhue, the Long Island Council of Churches’ executive director. “We’re extremely grateful that Newsday and its readers show such generosity towards hard working families who find themselves in difficult straits.”

LICC Board Chair, the Rev. Pam Spence-Bakker, praised Newsday for its commitment to helping Long Islanders in need. “With Newsday at the forefront of such commitment and its excellent record of religious coverage, it is a model for other businesses embedded in our community,” she said. “In addition to the companies that do give back to their communities, imagine how much good could be accomplished if every business on Long Island followed Newsday’s example.”

PLEASE, LET US THANK YOU

When we were doing a lending/finance seminar recently at the Westbury Friends Meeting, someone handed me a check and insisted that we could save ourselves time and postage stamp by not sending her a thank-you note. I told her that I appreciated her thriftiness as well as her gift, but that we need to generate these letters for our own internal reasons. She accepted this explanation but seemed a bit puzzled. Here is a more complete explanation:

  • The Internal Revenue Service now requires proof of every charitable contribution you claim, even small ones that did not need to be documented in the past.
  • We want to thank each and every donor so that you will know how much we appreciate your support. Jesus honored “the widow’s mite” and we want to thank every giver regardless of the size of the gift.
  • Thanking everyone helps us to keep our newsletter mailing list up-to-date and to make sure that checks do not get lost in the mail.

So, please accept our thanks for your contributions — and let us know if you ever make a donation that is not promptly acknowledged!

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SAVE THESE DATES:

MICAH Conference
Monday, April 28, 8:30-3:00 at Adelphi University
“Ending Poverty on Long Island: An Action Plan”
To receive an invitation to this conference, you must have officially joined MICAH. To do so, send an email to robinson.mary@catholiccharities.cc, and add koubek.richard@catholiccharities.cc to your address book so that your spam filter does not block the invitation.

LICC Annual Meeting
Thursday, May 8, 11:00-2:00 at 1st Presbyterian Church in Smithtown

LICC Annual Convocation
Sept. 20 in Riverhead
The LICC’s Annual Convocation will be Saturday, Sept. 20, from 9:00 to 12:30 at 1st Baptist Church in Riverhead. The theme this year is “What Can Congregations Do To Address Poverty?”
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2008 LICC ANNUAL MEETING Thursday, May 8, 2008

The 2008 Annual Meeting discussion will focus on how to talk about divisive issues like capital punishment, racism, and affordable housing without alienating people needlessly. For example, what do you do when you’re at Thanksgiving dinner with your family and your brother makes a derogatory remark about poor people? If you believe that capital punishment is immoral, how do you deal with a friend who believes in “an eye for an eye, a tooth for a tooth?” If you are clergy and want to preach on the need for affordable housing, how do you deal with congregants who say, “Not in my back yard?”

The Rev. Tom Goodhue will lead a discussion on how to discuss divisive issues that defend what you believe is right without alienating your friends, relatives, or congregants unnecessarily. These techniques will also empower people to be more comfortable advocating for the poor and more effective when they stick their necks out on potentially controversial issues. Questions and Answers will follow this lively discussion. We’ll also have an update on the MICAH Adelphi Conference held April 28.

Registration and payment must be received by May 1.

Name _________________________________Number attending __________

Address ________________________________________________________________

City __________________________________ State_________ Zip ________

Day-time telephone_______________________________________________

E-mail address __________________________________________________

Please make out checks for $37 per person to:
Long Island Council of Churches. Please write “Annual Meeting” in the memo section and mail to:

Brenda S. Morrison, Director of Finance
Long Island Council of Churches
1644 Denton Green
Hempstead, NY 11550

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IT’S TIME TO C.O.O.K. - CLEAN OUT OUR KITCHENS

The LICC urges you to do some spring cleaning - and to remember your neighbors in need as you clean out your kitchen and pantry. The LICC, like many other charities, is struggling to feed a growing number of Long Islanders. “Donations have been strong,” explains the Rev. Tom Goodhue, Executive Director of the Council, “but every month more and more people come to us for emergency food. This is particularly true in Eastern Suffolk. We fed 1095 people in January at our Riverhead Emergency Food Center, up from 644 in January, 2007, and nearly three times the numbers we fed three or four years ago. We fed 42 families there in just a few hours last Wednesday and the shelves are nearly bare.”

Do you have anything that needs to be cleaned out of your cupboard? Fancy jellies and jams you received for the holidays that you probably will never eat? Flavored coffee that is not your cup of tea? Fruitcake tins deposited by the Ghost of Christmas Past? Are you using them only as doorstops or hockey pucks? Why not donate them instead to your local emergency food pantry? Monetary donations are welcome, of course, and even more helpful. The LICC and other emergency food pantries will gladly take non-perishable food of any kind - even fruitcake. “There is actually a fair amount of nutrition in these desserts, and someone out there will eat them,” Rev. Goodhue says.

“It’s really a shame to let food go to waste when some of our neighbors are going hungry,” Rev. Goodhue observes. They also need baby formula, baby food, prenatal vitamins, and diapers. Do you have any of these that your children have outgrown?

“Monetary donations are always welcome, too,” Goodhue adds, “but even if you do not think you can afford to make a financial contribution to feed the hungry, you may have food that you will never eat, food our neighbors need. This is a great time to go through the canned goods and give away anything that you are not going to use that is not dented, many years old, or otherwise inedible.”

Donations for the LICC can be dropped off at their Riverhead office (407 Osborne Avenue at Lincoln, opposite the Polish Town Civic Association, 631-727-2210), their Hempstead office (in Christ’s 1st Presbyterian Church at the village green on Nichol’s Court, 516-565-0290), or their Freeport Emergency Food Center (450 North Main Street, 516-868-4989).

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IDEAS YOU CAN USE

Have Fun - and Feed the Hungry
Christ Episcopal Church in Bellport recently hosted a dance for five congregations where part of the admission cost was a bag of non-perishable food for a local food pantry.

Send Home the Altar Flowers
After guest-preaching recently at Wading River Congregational Church, I was handed a nicely wrapped bouquet of flowers from the altar with a printed note that said:

“These flowers have been in the Wading River Congregational Church. They have heard the hymns that have been sung, the prayers that have been offered, and the sermon that has been preached. Now they come to you, and in their silent way, are telling you of God’s love and healing power, and the wish of the members of this church that you be blessed with faith, hope, health, and happiness.”

Why not send a similar note occasionally to shut-ins, the sick and grieving, and to recent visitors to your church. Perhaps your altar guild, which works to beautify your worship, could help extend your prayers to those outside the walls of your sanctuary.

Celebrate God’s Good Creation
One contribution people of faith can make to celebrations of Earth Day in April is to remind us that our stewardship of the planet can be compromised by hubris: we really don’t know it all. Last summer the Rev. Louise Stowe Johns led worship at my “home” church, 1st United Methodist Church of Amityville, that focused on Genesis. One of the hymns we sang was Tom Troeger’s “Praise the Source of Faith and Learning,” which says, “O God of wisdom we acknowledge that our science and our art/and the breadth of human knowledge only partial truth impart.”

Good science can coexist happily with awe and respect for Creation. Char Matejovsky and Robaire Ream’s delightful picture book Stones & Bones (Polebridge Press, 2007) embodies both the discoveries of paleontology and reverence for Creation. It also has nice touches of humor, such as a picture of Lucy hanging in the family portrait gallery. Matejovsky includes a CD with the text of Stones & Bones set to music, along with and her “Song of the Meadowlands,” both sung by the Santa Rosa Children’s Chorus. The latter would make a wonderful anthem for Earth Day/Sunday/Sabbath. It says,

“We do not own the planet;
we just keep it in trust. . .
If we care for the planet,
It will take care of us.”

You can hardly do a better job than this of conveying an essential message of Genesis 1, that we are called to be stewards of God’s good earth.

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WORTH READING: Where Does the Money Go?

The MICAH campaign is examining our state and county budgets as “moral documents” that reveal our real priorities. But where do our federal taxes go? What does the federal budget reveal about our morals, values, and beliefs?

The Rev. Bob Edgar, the former head of the National Council of Churches who spoke at our Annual Convocation and who now leads Common Cause, recommends Where Does the Money Go? by Jean Johnson and Scott Bittle, published this month by HarperCollins. The book couldn't be more timely. President Bush has just proposed the nation's first $3 trillion budget. Analysts are forecasting near-record short-term deficits, with even more red ink down the road unless current trends change. The first of 78 million baby boomers started drawing Social Security in January, shining a spotlight on the prospect of ballooning debt resulting from the projected growth of Social Security and Medicare. We all need straightforward, nonpartisan, easy-to-understand analysis of what the main challenges are and what can be done.

Where Does the Money Go? is a clear, entertaining, irreverent and candid guide to the federal budget crisis which explains - in plain English - exactly what our so-called leaders are largely ignoring. The authors decipher Beltway jargon on the budget and cover everything from the country's $9 trillion debt to the fact that, for 31 out of the last 35 years, the government has spent more than it has collected in taxes. The authors explain why elected leaders from both parties have failed to address this issue thus far and what citizens can do about it now.

Further information can be found at: http://publicagenda.org/wheredoesthemoneygo/

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WORTH QUOTING

Les Payne on the Rev. Jeremiah Wright

“`No black man will ever be considered for president,’ the Rev. Jeremiah Wright warned in an ’06 Howard University speech. . . Barack Obama’s decision to run—and the campaign results to date—utterly refute his pastor’s musings. . . .

“In that Howard University speech, Wright stated that ‘no black woman can ever be considered for anything outside what she can give with her body.’ The current U.S. Secretary of State puts the lie to that . . .”

--Les Payne, Newsday March 29, 2008

The Church & the Poor

“A church that does not join the poor in order to speak out from the side of the poor against the injustices committed against them is not the true church of Jesus Christ.”

--Archbishop Oscar Romero, The Violence of Love, 1988

“God Seems to have an overwhelming bias in favor of the poor, But it is biased only in contrast with our sinful unconcern. It is only when we take our perverse preference for the successful and wealthy as natural and normative that God’s concern appears biased.”

--Ronald J. Sider, Rich Christians in an Age of Hunger

How To Inspire Children To Give

“Take your child to the library to donate books. Later, visit and find these books on the shelf. . . .

When grocery shopping, allow your child to choose food to donate to the food bank. . . .

Take your child when you check on elderly or sick neighbors. Let your child help with their errands, such as raking leaves, cooking meals, or delivering flowers.

Encourage your child to set aside part of his or her allowance to donate.”

--Long Island Press January 24-30, 2008

Science & Religion

“Neils Bohr, the 1922 Nobel Prize winner in physics, explained that light is neither waves nor particles, but has complementary aspects of both. When waves are looked for, they are found; when particles are looked for, they are also found. Just so, Christians have had difficulty explaining that Christ is 100% human and 100% divine. Now we can say that humanity and divinity are complementary aspects of Christ.

Bohr also recognized that free will and determinism could be understood as complementary aspects of our lives.”

--retired medical missionary and Vanderbilt professor Bennet F. Horton, Sr.
United Methodist Reporter Feb. 1, 2008

“We believe that God yearns for us to understand nature more fully and to love it more deeply. . . . Evolution helps us see our faithful God in a new way. Our creator works patiently, calling forth life through complex processes spanning billions of years and waiting for us to awaken and respond in conscious participation in God’s own overarching dream for all living things>”

--United Church of Christ’s 2008 Pastoral Letter on Faith, Engaging Science and Technology (available at ucc.org/not-mutually-exclusive)

True Leadership in Hard Times

“Cherokee CEOs don’t take raises unless they can do the same for their workers. They spread it around to the community for if one is sick, so are we all. If one is poor we are all poor. If one is in grief we are all in grief. If one does not have a lodge to lay their heads then we are all disgraced before the Creator. That way, we all make sure that no one is left behind and that we all prosper together.”

--Ray Evans Harrell (Nudvwiv Aninoquisi)

Following the Bible Literally

“The year showed me beyond a doubt that everyone practices cafeteria religion. It’s not just the moderates. Fundamentalists do it too. They can’t heap everything on their plate. Otherwise they’d kick women out of church for saying hello (‘the women should keep silence in the churches. . . . ’ –1 Corinthians 14:34) and boot out men for talking about the Tennessee Titans (‘make no mention of the names of other gods. . .’—Exodus 23:13).”

--A. J. Jacobs, The Year of Living Biblically, Simon & Schuster, 2007

Torture

"Use of torture by U.S. personnel would bring discredit upon the U.S. and its armed forces while undermining domestic and international support for the war effort. It could also place U.S. and allied personnel in enemy hands at greater risk of abuse."

--U. S. Army Field Manual

"Some may argue that we would be more effective if we sanctioned torture or other expedient methods to obtain information from the enemy. They would be wrong. Beyond the basic fact that such actions are illegal, history shows that they also are frequently neither useful nor necessary."

--Gen. David Petraeus, writing to his troops in Iraq

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DID YOU KNOW?

LI Church Photos Posted on the Web
Students from Hofstra/Long Island Studies Center are putting up Bob Harrison’s “Places of Worship" photos on the web. So far 231 photos from A-E are there. Visit www.lilrc.org, and then click on Virtual Library, then click on "Long Island Memories" and enter "churches" in the search box.

You Must File Federal Tax Returns to Receive Stimulus Checks
Starting in May, economic stimulus payments of up to $600 for individuals ($1,200 for married couples) will be issued by the IRS, based on 2007 tax returns. Parents also get $300 for each eligible child. Please note that you must file a 2007 tax return, though. People who have at least $3,000 from wages or certain benefits from Social Security, Railroad Retirement and Veterans Affairs may be eligible. Visit www.irs.gov for details.

Millions of people are eligible but may not know it, particularly retirees, disabled vets and low-wage workers who normally don’t file a tax return — but who probably need that stimulus check. This year, they must file to receive the payments. The deadline for filing a Form 1040A to claim the Economic Stimulus Payment is December 1, 2008, NOT April 15th.

Please spread the word. For more information, including where to get help with tax forms, can be found at www.retiredamericans.org.

Earned Income Tax Credit: It's Your Money, Come and Get It!
The Earned Income Tax Credit is a federal and state tax credit offering tax discounts and refunds to working families and individuals. Although the EITC provides major financial benefits to the working poor, one-quarter of eligible taxpayers do not claim the credit.

Qualifying Long Islanders can file retroactively for up to three years, sometimes doubling or tripling refunds. Full-time and part-time workers, including self-employed workers, who are legally authorized to work in the United States, are eligible for the tax credit.

To be eligible for a full or partial credit, a taxpayer must have earned income and adjusted gross income of less than:
  • $37,783 ($39,783 if married filing jointly) with two or more qualifying children; individuals who fall into this group could receive up to $6,131 from the EITC
  • $33,241 ($35,241 if married filing jointly) with one qualifying child; individuals who fall into this group could receive up to $3,709 from the EITC
  • $12,590 ($14,590 if married filing jointly) with no qualifying children, individuals who fall into this group could receive up to $556 from the EITC

Voluntary Income Tax Assistance sites offer free tax preparation and free EITC and refund filing — and the VITA sites will be open through April 30 this year. Those who use the VITA sites usually receive their tax credits and refunds within two weeks - FREE OF CHARGE! For VITA information and locations, call 1-800-906-9887.
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TAX RELIEF FOR MORTGAGE FORGIVENESS

Homeowners whose mortgage debt was partly or entirely forgiven during 2007 may be able to claim special tax relief by filling out newly-revised Form 982 and attaching it to their 2007 federal income tax return, according to the Internal Revenue Service. Normally, debt forgiveness is considered taxable income, but the Mortgage Forgiveness Debt Relief Act of 2007, enacted Dec. 20, allows taxpayers to exclude debt forgiven on their principal residence if the balance of their loan was less than $2 million. (The limit is $1 million for a married person filing a separate return.) Details are on Form 982 and its instructions, available now on IRS.gov.

The late-December enactment means that reporting procedures for this law change were not incorporated into tax-preparation software or IRS forms. For that reason, people using tax software should check with their provider for updates that include the revised Form 982. Similarly, the IRS is now updating its systems and expects to begin accepting electronically-filed returns that include Form 982 by March 3. The paper Form 982 is now being accepted, but the IRS reminds affected taxpayers to consider filing electronically, which greatly reduces errors and speeds refunds.

The new law applies to debt forgiven in 2007, 2008 or 2009. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, may qualify for this relief. In most cases, eligible homeowners only need to fill out a few lines on Form 982 (specifically, lines 1e, 2 and 10b).

The debt must have been used to buy, build or substantially improve the taxpayer's principal residence and must have been secured by that residence. Debt used to refinance qualifying debt is also eligible for the exclusion, but only up to the amount of the old mortgage principal, just before the refinancing.

Debt forgiven on second homes, rental property, business property, credit cards or car loans does not qualify for the new tax-relief provision. In some cases, however, other kinds of tax relief, based on insolvency, for example, may be available. See Form 982 for details.

Borrowers whose debt is reduced or eliminated receive a year-end statement (Form 1099-C) from their lender. For debt cancelled in 2007, the lender was required to provide this form to the borrower by Jan. 31, 2008. By law, this form must show the amount of debt forgiven and the fair market value of any property given up through foreclosure.

The IRS urges borrowers to check the Form 1099-C carefully. Notify the lender immediately if any of the information shown is incorrect. Borrowers should pay particular attention to the amount of debt forgiven (Box 2) and the value listed for their home (Box 7).

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HOPE FOR THOSE IN MORTGAGE TROUBLE

Below are the customer contact telephone numbers of HOPE NOW members. If you are a homeowner having trouble with your mortgage, please call your servicer’s hotline for assistance (please have your account number ready when you call). If you would like to talk to a HUD-approved homeownership counselor, please call the Homeowner’s HOPE Hotline, 888-995-HOPE, operated by the Homeownership Preservation Foundation. Free counseling is available 24 hours a day, 7 days a week. You can also visit www.995hope.com for more assistance.

  • Aurora Loan Services 800-550-0509
  • Avelo Mortgage, LLC. 866-992-8356
  • Bank of America 800-846-2222
  • Carrington Mortgage Services 800-790-9502
  • CitiFinancial/Citi Trust Bank 800-422-1498
  • CitiMortgage Conv/FNMA 800-695-0384
  • CitiMortgage/Gov’t & Freddie Mac 866-272-4749
  • CitiResidential Customer Care 800-430-5262
  • Countrywide Home Loans 800-669-6650
  • EMC Mortgage, Inc. 877-362-6631
  • First Horizon Home Loans 800-364-7662
  • GMAC/Homecomings/ResCap 800-799-9250
  • Home Loan Services, Inc. (d/b/a First 800-500-5022
  • Franklin Loan Services and NationPoint Loan Services)
  • HomEq Servicing 888-270-6663
  • HSBC Consumer Lending 800-333-5848
  • HSBC Mortgage Services 800-365-6730
  • HSBC Mortgage Corporation 888-648-3124
  • IndyMac Bank 800-880-6848
  • JPMorgan Chase Prime Loans 800-446-8939
  • JPMorgan Chase Non-Prime 877-838-1882
  • JPMorgan Chase Home Equity 866-582-5208
  • JPMorgan Chase Default HPO Help Line 866-345-4676
  • Litton Loan Servicing 800-999-8501
  • National City Mortgage Corporation 800-523-8654
  • Nationstar Mortgage, LLC. 888-480-2432
  • Ocwen Loan Servicing, LLC. 877-596-8580
  • Option One Mortgage Corporation 888-275-2648
  • Saxon Mortgage Services 888-325-3502
  • Select Portfolio Servicing 888-818-6032
  • SunTrust Mortgage, Inc. 800-443-1032
  • Washington Mutual, Inc. 866-926-8937
  • Wells Fargo Home Mortgage 877-216-8448
  • Wells Fargo Financial 800-275-9254
  • Wilshire Credit Corporation 888-917-1050

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HAVING TROUBLE GETTING A LOAN?

With easing home prices and mortgages nearing historic lows, this is a great time to think about buying a house or condo. In the wake of the sub-prime mortgage meltdown, however, many borrowers are finding it hard to qualify for loans if their credit scores are below 680. (FICO scores range from 300 to 850, with an average score of 692.) “Credit repair services” promise to help improve your score but the Federal Trade Commission warns that many of these are scams that do you no good—and that criminals have moved into this still-unregulated industry. What can you do if your credit history is not perfect?

  1. Get free copies of your credit reports from all three major credit bureaus—Equifax, Experian, and TransUnion—and write to the bureaus asking them to correct any errors you see. Did you pay off a debt that a report lists as outstanding? Did you not pay a bill because it was a bogus charge to your credit card, which the bank later removed from your statement? Did you pay the rent on time that month but your landlord lost the check?
  2. Pay down or pay off any outstanding balances that you can pay.
  3. Ask the loan officer at your bank or credit union to request a “rapid rescore” once you have proof that a debt has been paid.
  4. Go to a homebuyers seminar, join a First Home Club at a local bank if you can, and get mortgage counseling from a legitimate not-for-profit (such as the Long Island Housing Partnership), so that you know how much you can afford to borrow in the first place.

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POTENTIAL PITFALLS IN REVERSE MORTGAGES

Rich Murphy has written two columns for The Prelude about reverse mortgages, but in recent weeks there have been stories in the media about seniors who have encountered pitfalls in these creative loans. As we point out in the LICC’s personal finance seminars, reverse mortgages are great for some people but not the best route for others. They are a complicated, expensive way to borrow money, so you really must get good advice from an impartial, HUD-certified not-for-profit counselor before plunging into one. If someone tells you that watching their DVD or talking with their salesman is enough for you to figure out if you want to do this and how you want the loan paid out to you, hang up the phone. And if someone who is trying to sell you an investment suggests that you use the proceeds from a reverse mortgage to invest in their “sure-fire” scheme, call the cops. Here’s Rich’s list of some of the FREE counselors providing this service on Long Island:

Nassau County Office of Housing & Intergovernmental Affairs
(516) 571-1429 Ask for Ron Moss or Haydee Rosario
Family & Children’s Association
(516) 485-5600 Ask for Mike Temares
Long Island Housing Partnership
(631) 435-4710 Ask for Lynn Law
Long Island Housing Services
(631) 467-5111 Ask for Diane Patrizzio
Housing Help, Inc.
(631) 754-0373 Ask for Susan Lagville
North Fork Housing Alliance
(631) 477-1070 Ask for Tanya Palmore
Economic Opportunity Council of Suffolk
(631) 289-2124 Ask for Angela Harmon
AARP
(800) 209-8085

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HAVE QUESTIONS ABOUT HANDLING MONEY?

The LICC offers seminars on how to manage your money well - and get a good loan. Our presentations usually run an hour to 90 minutes, and are tailored to the needs of your audience. We can do shorter programs, for example, for a college class, campus ministry group, or youth group. This could be a great addition to your congregation’s stewardship campaign, helping people to think faithfully about our stewardship of all our resources. We will also do presentations for religious leaders on how to manage a congregation’s money more effectively, reduce expenses, and encourage planned gifts - and how to help your flock cope with Adjustable Rate Mortgages, falling home prices, and other such issues.

The LICC will arrange speakers, educational materials, and other freebies. There is no charge for this program - thanks to grants from Astoria Federal Savings, Bank of America, Bank of New York, Citibank, Washington Mutual, Greenpoint Bank Foundation, JPMorgan Chase, Ridgewood Savings Bank, and Wells Fargo Home Mortgage. We have speakers who can handle a variety of languages. To request such a seminar, call 516-565-0290, ext. 206, fax 516-565-0291, or e-mail licchemp@aol.com.

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NEEDED/OFFERED

Offered:

Free Mammograms & Cervical Exams:
FREE MAMMOGRAMS AND FREE CERVICAL EXAMS TO UNINSURED WOMEN OVER THE AGE OF 40 TO BE PROVIDED BY THE BREAST AND CERVICAL CANCER SCREENING PARTNERSHIP ON SATURDAY APRIL 12, AT NASSAU UNIVERSITY MEDICAL CENTER.

FREE mammograms and free cervical exams to UNINSURED women over the age of 40 will be provided by the Breast and Cervical Cancer Screening Partnership, in conjunction with Nassau University Medical Center (NUMC), North Shore/LIJ Health System, Planned Parenthood, South Nassau Communities Hospital and others, on Saturday, April 12, 2008 from 8:30 AM until 3:30 PM at NUMC, 2201 Hempstead Turnpike (corner of Carman Avenue), East Meadow.

Appointments are necessary. Some form of identification with photograph is necessary. Please call 516-572-3300 for appointment and location of screening exams.

Pastoral Care Training:
Catholic Health Services of Long Island is offering a free six-week program to train volunteers of all faiths with basic pastoral care skills and information to be a caring, attentive and listening presence to persons who are hospitalized, living in a nursing home or homebound. The afternoon training sessions for “Spiritual Care Companions” runs mid-May through mid-June, covering such topics as the goals of ministry with the sick, how to be a good listener, the grief process, how to respond to crisis, and much more. For more information, come on Wednesday, April 23, at 1:30 at St. Charles Hospital (200 Belle Terre Road, Port Jefferson, 2nd floor Boardroom) or call Carol Cella at 516-705-3714, Mary T. O’Neill at 631-474-5663, or Peggy Nixdorf at 631-587-1600 x 8297.

Church World Service Mission Trip to Maryland:
Church World Service, our ecumenical partner in disaster response at home and abroad, is offering a low-cost mission trip to New Windsor, Maryland, where the “Gift of the Heart” disaster relief kits assembled by many congregations are sorted and readied for immediate shipping wherever they may be needed. This year’s trip will be May 12-15. Those who have gone in previous years have raved about what a great experience it was. For more information, call Helen Samuels at 631-744-3870 or Grace MacMillan at 516-785-3951.

East End Mental Health Awareness:
The towns of Southampton and Easthampton are joining together for a free Mental Health Awareness Day on Saturday, April 5, from 8:00 to 3:45 at Southampton High School (141 Narrow Lane). Free workshops, massage, depression screening, and more. For further information, call 631-702-2445.

Free Training for Pastoral Care Volunteers:
Are you looking for an avenue to volunteer your time with others? Come learn more about sharing your gift of time and presence as a Spiritual Care Companion with those that are hospitalized, living in a nursing home or homebound.

Catholic Health Services of Long Island sponsors this free six week program, which trains volunteers of all faiths to be a caring, attentive and listening presence to persons who are sick or elderly. Spiritual Care Companions evening training runs mid-April to mid-May, covering such topics as: the goals of ministry to the sick, how to be a good listener, how to respond to crisis and grief, and much more.

Come to an information session and learn more: Tuesday, March 25th at 6:45 p.m. at Mercy Medical Center in Rockville Centre in the Mercy League Building, across from the Main Entrance.

LIGHT REFRESHMENTS WILL BE SERVED!

For further information, please call Carol Cella at 516-705-3714 or Mary T. O’Neill at 631-474- 5663 or Peggy Nixdorf at 631-587 -1600 x 8297.

Needed:

Girl Scout Cookies:
Do you buy Girl Scout cookies each year to aid this worthy organization and then find that you have far more of these tasty goodies around the house or your office than you need or is good for you? Why not donate them to your local emergency food pantry?

The LICC would be glad to receive Girl Scout cookies to share with their clients. We have had a huge increase over the past year or two in the number of people coming to us for emergency food, particularly in Suffolk County. Girl Scout cookies are welcome, along with fruitcake, fancy jellies and jams you received over the holidays, flavored coffees, cheese logs or nearly anything else that is edible. This is a good time to go through your cupboard and give away anything that you are not going to use that is not dented, many years old, or otherwise inedible.

Donations for the LICC can be dropped off at their Riverhead office (407 Osborne Avenue at Lincoln, opposite the Polish Town Civic Association, 631-727-2210), their Hempstead office (in Christ’s 1st Presbyterian Church at the village green on Nichol’s Court, 516-565-0290), or their Freeport Emergency Food Center (450 North Main Street, 516-868-4989).

Flood Buckets:
Church World Service, the LICC’s partner in ecumenical disaster response, needs Clean-Up Buckets to aid disaster survivors, since the southern tornadoes and Midwest floods have depleted their supply of Emergency Clean-up Buckets on hand at CWS’s New Windsor warehouse. And after record snowfalls across the upper Midwest and northeast, March thawing will probably cause more flooding soon. “Gift of the Heart Kits” such as Emergency Clean-up Buckets, School Kits, Hygiene Kits, and Baby Kits make a great service project for church groups, Scout troops, or anyone else. For info on what needs to go in these kits, visit www.churchworldservice.org/Kits or call the office at 888-297-2767. Kits can be delivered to the local CWS “depots” and "sub-depots” on Saturday, April 26, or brought to any LICC meeting before then. For more information on kit collection, please call Helen Samuels at 631-744-3870 or Grace MacMillan at 516-785-3951.

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LONG ISLAND BLOOD SERVICES:
Upcoming Community Blood Drives in April

Event DateSiteAddressStart/End TimeChairperson/Phone
4/12/08Christ Lutheran Church61 N. Grove Street
Freeport
9:30-3:00Roberta Paulik
516-623-3073
4/14/08St. Paul's United Methodist Church270 Main St.
Northport
3:15 PM
8:45 PM
Nancy Anderson
631-757-0989
4/14/08Church on the Sound35 Oxhead Rd.
Stony Brook
3:30 PM
9:00 PM
Susan Lingenfelter
631-682-8640
4/18/08Community United Methodist100 Park Blvd.
Massapequa Park
3:00 PM
8:30 PM
Ali Romano
516-795-9214
4/19/08Seventh Day Adventist Church40-34 102nd Street
Corona
12 Noon
5:30 PM
Aurora Sandoval
917-572-4408
4/19/08Grace Chapel Assembly of God61 Overton St.
Sayville
9:00 AM
2:30 PM
Richard Spotteck
631-567-3886
4/20/08Lake Success Ismaili Center280 Community Drive
Lake Success
8:30 AM
2:00 PM
Salem Merchants
516-783-8700
4/20/08Adonai Christian Center99-07 Northern Blvd.
Corona
11:45 AM
3:45 PM
Yadira Pagan
516-478-5028
4/21/08First Presbyterian Church79 E. Main St.
Babylon
3:30 PM
9:00 PM
Gail Rogals
631-666-0297
4/27/08Centerport United Methodist Church7 Little Neck Road
Centerport
9:00 AM
1:00 PM
Elsie Bickler
631-427-6308

FOR MORE INFORMATION OR TO SCHEDULE AN APPOINTMENT, CALL 1-800-933-BLOOD (2566)



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ADS & ANNOUNCEMENTS:

Church Space To Share
The Presbyterian Community Church in Massapequa has space to share with another congregation:

  • The Sanctuary (two levels, seats 225) is generally available except for Sunday mornings before noon
  • Fellowship hall/auditorium/gymnasium with kitchen
  • Club room
  • Parking lot and street can accomodate 60 cars (on weekends, additional parking is available)
  • Several classrooms
This is a large building that can be used for worship, meetings and other gatherings.
We are conveniently located near the Southern State Parkway, Route 135 and Sunrise Highway.
Please call Pete LaMassa at 516-316-6571 for more information.

“Spirituality of Relationships: Finding Peace with God, Ourselves & Others” April 4-6
Are you interested in improving the vital relationships of your life? Join us as we explore the principles of honesty, personal responsibility, and the extraordinary power of forgiveness, and connect our spiritual journeys to the desire for healthier and happier relationships. Presented by Spirituality Matters, Inc. at the Immaculate Conception Center in Douglaston. Cost of weekend (7:30 pm Fri through lunch Sunday) is $200. To register, visit www.spiritualitymatters.org or call 516-672-3851 for more information.

CHRISTIAN UNITY CONCERT APRIL 6 IN BABYLON
FOR HABITAT & WYANDANCH CHURCH REBUILDING
In recognition of the One Hundredth Anniversary of the Week of Prayer for Christian Unity, and in celebration of our ecumenical solidarity in the Resurrection of Jesus Christ, the Faith Communities of the United Methodist Church and St. Joseph’s Catholic Church in Babylon cordially invite you to an Evening of Christian Musical Praise on Sunday, April 6, at 7:00 pm at St. Joseph’s Church (39 N. Carll Ave., one block north of Main St./Montauk Highway, 631-669-0068).

This special service will feature several beautiful Protestant hymns, many of them not familiar to non-Protestants, but all affirming our common faith. Admission for this hymn-sing is free, and all are welcome. A free-will offering will be received to benefit the United Methodist Church’s Habitat for Humanity projects and the rebuilding program at Our Lady of the Miraculous Medal Church in Wyandanch, whose rectory and parish outreach center were damaged in an arson attack on December 30. For further information, contact Fred Cornman: fcornman@verizon.net.

Join the May 18 AIDS Walk
Registration is now open for Episcopal Response to AIDS, the only faith-based AIDS Walk Team. ERA is a volunteer organization whose mission is to support, foster and financially enable HIV/AIDS ministries affiliated with Episcopal faith communities in the Greater New York area. The funds raised annually are granted to local grassroots AIDS ministries on World AIDS Day through a structured RFP process. Learn more now at www.erany.org. For a registration form, go to www.aidswalk.net, click on New York, then on Register to Walk, then on Join a Team. You will be asked to select a team: just scroll down to Episcopal Response to AIDS -7881; then click "Continue." When your registration form appears, fill it out, being sure to list your parish or faith community affiliation in the "company name" field. Then follow the list of instructions through to completion. ERA will meet on Sunday, May 18, at 8 a.m. in the Gold Team area, about a block on a southwest diagonal from the 72nd Street and Fifth Avenue entrance to Manhattan's Central Park. After sign-in and breakfast, there will be an outdoor Eucharist with a commissioning and blessing of walkers, followed by the distribution of T-shirts and other goodies and the Team and parish photos. We then will begin the 10K Walk. For more information, please contact Judith Mason at 516-242-3022 or jawmason@aol.com.

JOB OPENINGS

Finance Director
The Long Island Council of Churches is seeking a Finance Director to replace Brenda Morrison, who will be leaving the Island soon when her husband Joe retires. A working knowledge of Microsoft Excel is required and experience with not-for-profits, human resources and Quickbooks would be helpful. The job is 25 hours a week in our Hempstead office and we can accommodate flexible schedules. Send resumes to licchemp@aol.com or call Tom Goodhue at 516-565-0290 for further info.

Christian Education Director needed
Brookville Reformed Church is seeking a Christian Educator to coordinate curriculum, train teachers, and teach a small Sunday School in a warm and embracing congregation. Please call Rev. Allan Ramirez at 516-626-0414.

Nursery School Director needed
The Community Church of Syosset seeks an experienced, NYS-certified Director for its Nursery School program. Duties include teaching, budget preparation, school registration, teacher coordination/supervision, activity planning, organization of training events, effective communication with parents/guardians, attendance & reporting at monthly church board meeting. Willingness to plan and supervise 3-week summertime program also desirable. Competitive salary, commensurate with qualifications and experience. Send resume and cover letter to Community Church of Syosset, UCC, 36 Church Street, Syosset, NY 11791.

The Long Island Interfaith Environment Network invites you to:
ENERGY EFFICIENCY FOR RELIGIOUS CONGREGATIONS
Date: Wednesday, April 16th
Time: 10:00am - 1:00pm
Location: Molloy College Suffolk Campus
7180 Republic Airport, Farmingdale, NY
Lunch will be served

All places of worship use energy, and often pay large bills. Energy efficiency and renewables are an important way to reduce energy consumption, foster good stewardship of the environment, and maybe even lower energy costs. Come learn from a panel of expert speakers and exhibitor tables what incentive programs and financing options are available to places of worship, and what inspiring places of worship in our region have already achieved. Don’t miss this great opportunity to get your questions answered!

Speakers include:

  • Ed Bennett, Interfaith Power & Light
  • Gary Krieger and Judy Torres, National Grid
  • The Solar Center, on solar hot water systems
  • Greenfaith and LIME on financing for projects
Directions to 7180 Republic Airport:
  • Take the Southern State to Route 110 north (exit 32N), go 1/2 mi, turn right on Grumman Lane into airport entrance, 3rd building on the left.
  • From the LIE go south on Route 110 (exit 49S), go about 1 mile past Farmingdale University and turn left on Grumman Lane, into airport entrance, 3rd building on the left.
There is a suggested donation of $15 for this workshop. Leaders and plant managers of all faiths welcome. Make checks out to “Neighborhood Network.” To make sure we have enough lunch and materials for you, please RSVP to Beth Fiteni, 631-963-5454 or beth@neighborhood-network.org by April 14.

The Long Island Interfaith Environment Network is housed at the Neighborhood Network, and is made up of various faith organizations including the Unitarian Universalist Fellowship of Huntington, St. Martin of Tours Outreach, Hewlett-East Rockaway Jewish Center, Islamic Center of LI, Sophia Garden/Homecoming, the LI Council of Churches, NY Interfaith Power & Light, the Diocese of Rockville Centre, Molloy College, Unitarian Universalist Congregation at Shelter Rock, Unitarian Universalists of Stony Brook, First United Methodist Church in Amityville, and Community United Methodist Church in Massapequa. See neighborhood-network.org/energy/worship.htm for more information.



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The Long Island Council of Churches is a 501(c)3 charitable organization. The Long Island Council of Churches unites diverse Christians to work together in ministry with the poor and to promote interfaith understanding. All donations are tax-deductible and much appreciated.

The Rev. Thomas W. Goodhue
Executive Director
Long Island Council of Churches
1644 Denton Green
Hempstead, NY 11550
voice: 516-565-0290, ext. 206
fax: 516-565-0291
email:licchemp@aol.com
Web: www.liccny.org

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