Hello, I am Mike Cashwell, age 35, married to my wife Crystal and father to our son, Hunter and daughter, Paige.
I am a third generation Lake County citizen. This long-term familial connection brings not only sense of pride but also a sense of responsibility. The responsibility to invest in my community where everyone has the opportunity to build a secure, prosperous, and rewarding life.
Early on I built a sustainable landscape, maintenance, and construction business that fifteen years later employed 40 people. By providing a secure income for so many families, I felt I was giving back to my community and am very proud of this effort.
The importance of “giving back” was the primary reason why I sought to be a member of the Habitat for Humanity of Lake-Sumter Board. As a board member I will have the opportunity to influence decisions on how we will fulfill our mission to build homes and hope, while at the same time impact community outcomes in a very positive way. Affordable housing is a big problem. It is not available to many in our community. Being on the Habitat Lake-Sumter Board will allow me to learn, understand, and hopefully refine what it takes to create housing that folks can not only afford but take pride in as well. I believe I bring real world knowledge and problem-solving capabilities which, together with other Board members, will allow us to provide the leadership needed to accomplish our goals. I believe that making housing more attainable needs to start at the state and local level. Builders are not incentivized to build affordable housing as impact fees are the same regardless of the size of the home. We need to find ways to shift the paradigm.
Being able to own and afford your own home does so much for individual families while at the same time enhancing communities. Through affordable housing we can positively impact the security of families and give them the pride and respect that comes with homeownership.
Thank you for inviting me to be a part of the Habitat Board.
Written By Mike Cashwell – Habitat Board Member
Edited By Kevin Voght – Volunteer
From being the first female president at Lake County’s Reunion Bank of Florida, to being a super mom to two daughters and wife of her husband Jeff for 27 years; Gail Baker brings a powerful background and endless enthusiasm to the Board of Directors of Habitat for Humanity of Lake-Sumter.
“I enjoy volunteering because it creates a team spirit and it makes a huge difference in someone’s life,” says Gail, newly appointed member of the board. “I look forward to working alongside my peers in the Habitat mission.”
Gail Baker has lived in the Lake-Sumter area of Florida for 25 years and has grown to love and cherish the work at Habitat for Humanity of Lake-Sumter. Gail has partnered with Habitat for Humanity of Lake-Sumter for over three years, prior to becoming a board member.
“Making a difference in someone’s life is what inspires me to do what I do,” Gail says. “Firstly, Habitat for Humanity provides safe, decent and affordable housing for individuals and families who work hard every day to make a difference for themselves. Without Habitat, these dedicated individuals may never achieve such goals that so many take for granted. Secondly, Habitat provides sound financial education, which leads to long term personal success.”
Habitat for Humanity of Lake-Sumter has been serving the community since 1989 and has four main initiatives: Home Ownership, Preservation and Repair, Veterans Housing Initiative, and Construction Academies; with the ultimate purpose of creating communities where everyone has a decent place to live.
Gail also serves as treasurer for the Lifestream Foundation Board and in her free time, she enjoys spending time with her family. Gail is looking forward to serving the board to the best of her abilities and providing a positive and enthusiastic outlook to the team.
Habitat for Humanity of Lake-Sumter is grateful to have such an experienced and positive person on the board in Gail, one who strives to inspire and encourage those around her.
By Katrina Machetta
$24.00 per hour.
That’s how much you would need to earn from a full-time job to afford a two-bedroom apartment in Lake County in 2020. This comes from the latest edition of “Out of Reach” (OOR), the annual report from the National Low Income Housing Coalition (NLIHC). According to NLIHC, the OOR “documents the significant gap between renters’ wages and the cost of rental housing across the United States” and its findings illustrate the breadth of the affordable housing crisis nationwide, including here in Lake and Sumter Counties.
The OOR’s primary measure of this gap is the Housing Wage, defined as “an estimate of the hourly wage a full-time worker must earn to afford a modest rental home at HUD’s fair market rent (FMR) without spending more than 30% of his or her income on housing costs, the accepted standard of affordability”. In other words, the Housing Wage is what a full-time worker (40 hours a week, 52 weeks a year) should earn per hour to afford rent plus utilities in their area at a fair share (30%) of their income. Most workers’ wages don’t come anywhere near this number, which means affordable housing is out of their reach. The Housing Wage for Sumter County is $16.69 per hour and while that is significantly lower than Lake County’s $24.00, renters in Sumter still face substantial challenges in finding affordable housing.
Lake and Sumter County residents and workers make difficult choices when it comes to how they pay for housing. At the current minimum wage in Florida of $8.56 per hour, renters in Lake County need to work 112 hours per week to afford the FMR. In Sumter, the figure is 80 hours per week, but that is still two full-time jobs. Assuming a 40-hour work week at minimum wage, the maximum rent affordable is only $445, barely over a third of FMR for Lake and half of FMR for Sumter. Even for those renters earning the estimated mean hourly wage of $13.65 for Lake and $11.86 for Sumter, the monthly rent they can afford falls far short of FMR, at $710 for Lake and $617 for Sumter. Limiting their housing costs to 30% of income is simply not an option for many families in the area. Some service sector workers choose to live outside of the area where rents are more affordable and make long commutes to work. Others settle for housing arrangements that are insufficient for their families’ needs.
Policy solutions are badly needed, along with the political will to support them. At the local level, impact fees on new developments are often at odds with efforts to build more affordable housing. Federally, housing assistance is grossly underfunded. The OOR and NLIHC’s website provide examples of federal housing programs that can help solve the housing crisis, including the national Housing Trust Fund and Housing Choice Vouchers. For more information and to read the full report, click here to visit https://reports.nlihc.org/oor.
By Brian Salmons
#GivingTuesdayNow is a new global day of giving and unity that will take place on May 5, 2020 – as an emergency response to the unprecedented need caused by COVID-19.
Families who were already struggling before the public health crisis began now face exacerbated setbacks caused by the economic upheaval. Local families continue to struggle in the financial instability and uncertainty of recent times.
In fact, the families who partner with us are often those who are particularly at risk. The uncertainty so many of us feel today, many families have felt for a lifetime- if not generations.
As a friend of Habitat for Humanity of Lake-Sumter, join us and use the individual power of generosity to stay connected and help heal our community. Whatever you can do — monetary or not — will mean a lot.
On March 27th, the Coronavirus Aid, Relief, and Economic Security Act was signed into law and Congress passed a long-awaited for “universal” giving incentive, this is particularly beneficial for taxpayers who do not itemize their deductions.
If you are someone who does not itemize on your taxes:
The CARES Act makes a new above-the-line deduction available for total charitable contributions of up to $300 per taxpayer. The above-the-line adjustment to income will reduce your AGI, and thereby reduce taxable income. Additionally, you will not have to itemize other items to claim this deduction (Section 2204 of the CARES Act).
The incentive applies to cash contributions made in 2020 and can be claimed on tax forms next year.
If you are someone who itemizes on your taxes:
The CARES Act also lifts the existing cap on annual contributions for those who itemize, raising it from 60 percent of adjusted gross income to 100 percent. For corporations, the law raises the annual limit from 10 percent to 25 percent. (Section 2205 of the CARES Act).
What does this mean for you? You can support Habitat Lake-Sumter’s mission and receive new tax benefits typically reserved for higher thresholds of giving.
The duration of the COVID-19 pandemic has caused a public health emergency to bring a spotlight to the housing crisis. The uncertainty so many of us feel today, many families have felt for a lifetime- if not generations.
The time is now: to begin the work of building back our community, the foundation is the place to start. Living in a safe, healthy, and affordable home alleviates the burden of unreliable rent costs and out-of-reach mortgages; a home with Habitat gives families the opportunity to build a better future and make today more manageable.
The CARES Act is the first giving incentive Congress has passed in response to a disaster or national emergency—an acknowledgement by Congress that the work of nonprofits, like Habitat Lake-Sumter, is an essential service.
Board Member Spotlight
Monic Wofford, CSP
Chief Executive Officer | President | Founder
Contagious Companies, Inc.
From fond memories to a sense of moral responsibility, one of Habitat for Humanity’s newest board members, Monica Wofford, appreciates both the joy and necessity of giving back.
Wofford recounted her earliest connections to the mission of Habitat which can be found in the walls of homes that have stood for decades. “Mind you, I must have been five or six at the time of those builds as those homes are now close to twenty years old,” says Wofford who’s grateful for the opportunity to return to Habitat in a leadership role.
The lasting impact of those early builds, the enduring nature of the structures she helped to build at that early age, exemplify the reasons she has again chosen to share her talents with Habitat. “Habitat for Humanity provides the structure that surrounds the family,” says Wofford. “Call it a house or home or dwelling, with that in place, there is greater potential for a family not to worry about the basics and to be able to focus on not only being a responsible member of a community, but on helping others.”
Wofford says that the cyclical nature of giving promoted by Habitat is what motivates her to contribute her time, resources and energy to the organization. As she puts it, “providing a family or veteran with a home to call their own, solves not only one of their greatest needs, but fulfills the needs of those who wish to give back with their hands and with service.” And with that “foundation,” Wofford believes Habitat’s homeowners are better positioned to pay-it-forward, creating exponential value as they “give or do for others in the community.”
In addition to her role with Habitat for Humanity, Wofford shares her time and expertise with The United Way, as well as the Lake County Republican Executive Committee, where she serves as Secretary. She says that her ability to work with non-profits in this capacity has ebbed and flowed with the seasonality of her own life and career and feels fortunate to now have time again to be involved with nonprofits that share her values of service to the community.
“There have been times in my life when I served on as many as five boards simultaneously. There have also been times when I have found the need to focus almost solely on building or growing my business and spending time with my family,” says Wofford who went on to note that she finds her service to the community comes from a combined sense of obligation and passion which she aptly describes as a “labor-of-love.”
The business Wofford has spent time building is the Contagious Companies, Inc. where she holds the titles of CEO, President and Founder. Wofford says she has had the privilege of professionally speaking to audiences, writing books, and training adults, and consulting leaders across various industries from healthcare and government agencies to tech and entertainment.
Danielle Stroud, Director of Development at Habitat for Humanity, says Habitat for Humanity is extremely fortunate to have added Monica Wofford to the organization. “She brings a combination of enthusiasm, experience and leadership that is extremely valuable on its own,” says Stroud. “But her ability to elevate the conversation and the talents of those around her is immeasurable for an organization with an already exceptionally strong board of directors.”
Wofford says she’s looking forward to sharing the skills she’s acquired and developed as she built and led her company and is excited to learn new skills by serving Habitat for Humanity and working closely with the other talented staff and board members that serve the organization. “Our goals as an organization are exciting and our leadership is certainly doing a masterful job in both running and growing the results of every board and team members’ efforts,” says Wofford.
“We share Monica’s sentiment that working with, and for, Habitat is both a labor-of-love and an opportunity to satisfy a moral responsibility to the communities we live and work in,” says Stroud. “We’re excited to tap into that passion and look forward to helping Monica create even more fond memories of working with Habitat for Humanity!”
By David Larrick
I’m very excited to return to the Board! It is remarkable how many things are happening in our affiliate and how many ways we’re interacting with our communities to address the need for affordable housing in Lake and Sumter Counties.
Why am I involved?
Because I believe that home ownership changes everything: the owner, the family, the local community, our schools, and our economy. It impacts physical, mental, and financial health. It supports local businesses and improves students’ academic success. And in the big picture, any area that wants to promote its quality of life must recognize that a safe, decent place to call ‘home’ is vital to everyone.
I’m involved with Habitat for Humanity of Lake-Sumter because they’re on the front lines of this issue. Making housing affordable—meaning that no more than 30% of monthly income goes to the mortgage, taxes, and insurance—means a family has breathing room to handle the rest of what life brings.
And I’m involved because I know first-hand the importance of getting help to buy my first home. Long, long ago, in a decade far, far away, I bought my first place, a row house, with the help of a state-sponsored, first-time home-buyer’s program. I became the proud (and nervous) mortgage holder with a subsidized 11.5% fixed rate mortgage at a time when market rates were hitting 18%. Yup. You read that right. Can you imagine? And I knew I was getting a deal at 11.5%!
Decades have passed; mortgages have changed and so have rates (I, of course, haven’t changed a bit), but the need for programs to make home buying affordable hasn’t. I love that we’re building beautifully designed, energy-efficient, right-sized houses for a variety of needs, whether it’s aging-in-place, singles, or families.
It’s great to be a part of an organization that’s building hope and passing the keys to a “quality of life” to buyers who have worked hard to qualify. Your Hometown Habitat covers a big territory and does it with big hearts, big plans, and even bigger visions for the future. And I’m blessed beyond measure to be invited into all of that.
Board Member and Community Advocate
What does the Cost of Home mean to you? Habitat for Humanity has started a national ‘Cost of Home’ campaign and Habitat Lake-Sumter wants YOU. The advocate. The community partner. The game changer. The YOU that wants to make a difference.
Habitat for Humanity of Lake-Sumter celebrates their 30th Anniversary this year, 2019! In 30 years of service we’ve built more than 230 homes locally and repaired dozens of homes to be safe and accessible throughout Lake and Sumter counties. Yet, according to the 2018 State of Affordable Housing Florida Report “nearly one-third of households in the United States face cost burdens, with housing requiring either 30 percent of their income (cost-burdened) or 50 percent (severely cost-burdened).”
These burdens leave households with very little income to buy food, health care, and other basic needs; 50% of their income spent on housing leaves members of our community– friends, family, and neighbors– struggling to afford the necessities.
As Habitat of Lake-Sumter partners with other affiliates nationwide, we ask that you partner with us to promote an awareness of the housing affordability crisis.
Learn about the Cost of Home Campaign, Post a picture using one of the #CostOfHome templates, tell us what the Cost of Home means to you, and if you’re ready to be an advocate—JOIN US!
Everyone deserves decent, safe, and affordable housing.
Representatives of Habitat for Humanity of Lake-Sumter were in Washington, D.C., this week, warning that proposed federal cuts will worsen the affordable housing crisis facing Lake and Sumter counties and other communities across the United States.
“Too many people in our communities are already struggling between making their housing payments and buying food for their family,” said Kent Adcock, CEO of Habitat for Humanity of Lake-Sumter. “We are in Washington, DC, to ask our representatives on Capitol Hill to make greater investments in affordable housing, not less.”
The budget proposed by the White House this week would drastically cut—and in some cases entirely eliminate—funding that communities use to finance the development of new affordable homes. Funds from programs like the Community Development Block Grant (CDBG) allow access to capital for infrastructure and development, while funding from the Home Investment Partnerships Program (HOME) offers down payment assistance to families – ultimately allowing homes to become affordable for the families who need them.
Habitat for Humanity of Lake-Sumter joins more than 340 Habitat leaders, volunteers, and homeowners from across the country in Washington, D.C., this week to advocate for affordable housing. In meetings with Congressman Daniel Webster and Mario Diaz-Balart, Habitat for Humanity is calling on Congress to set aside the flawed budget proposal and instead work to prioritize solutions that will end the affordable housing crisis.
“There is no question that we are in an affordable housing crisis,” said Adcock. “More than 18 million families are paying more than half of their paychecks on their housing. Leaders in cities and towns across the country are sounding the alarm, because even middle-class workers like teachers can no longer find housing that fits their budgets. We will make sure those voices are heard in Washington this week as we meet with members of Congress.”