Ohio homeowners who are struggling to stay afloat because of the pandemic may qualify for special assistance.

A U.S. Foreclosure Market Report in April found foreclosure filings were down 8% from March, but still 160% higher than at the same point in 2021. Ohio has the third-highest rate, with one foreclosure filing for every 911 housing units.

Shawn Smith, executive director of the Ohio Housing Finance Agency, said the Save the Dream Ohio Program can help eligible households facing foreclosure, or struggling with other housing costs.

"A lot of individuals have either lost their jobs or had a loss in income-earning potential," Smith recounted. "And therefore have difficulty either paying their mortgage, property taxes, heating bill, electric bill, those kinds of things."

Households may qualify for up to $25,000 to be used over six months for delinquent or future mortgage payments, and $10,000 dollars are also available for qualified households to use for paying utility bills, non-escrowed property taxes and other qualified housing costs.

Income eligible for the program is roughly $147,000 dollars for a family of four. Smith noted people can go to savethedream.ohiohome.org to learn more and apply, or reach out to a local partner.

"One of our partners on the utility assistance side is the Community Action Agencies," Smith emphasized. "Go to our website where you can find a list of those who have partnered with us to provide utility assistance. I would also encourage individuals to get with Legal Aid societies or housing counseling agencies if they're having difficulty making those payments as well. "

The program is using $280 million from the American Rescue Plan Act of 2021, and will continue through September 2025 or until all available funding is depleted. So far, mortgage assistance has been provided to more than 2,300 households, and utility assistance to about 2,200 households.

Restaurant workers have been fleeing the industry throughout the Great Resignation. To reverse the trend, advocates in Minnesota and elsewhere argued employees need better working conditions, and they hope pending policy will help.

The Restaurant Opportunities Centers United has been working to develop the Restaurant Workers Bill of Rights. It seeks to provide livable wages, better access to health care, a safe work environment and participation in governance.

Justin Taylor, a committee member for the Minnesota chapter of Restaurant Opportunities Centers United and a restaurant worker, feels it's a comprehensive approach to long-standing issues.

"I definitely, definitely think this will be a fantastic way to fight the injustices that the restaurant workers have seen for a real long time now," Taylor asserted.

The proposal will be introduced to Congress in September, and organizers say months of outreach to restaurant workers across the U.S. helped determine what should go into the bill. Minnesota has seen nearly 20,000 people leave their establishments for different jobs, according to a report from the University of California-Berkeley's Food Labor Research Center.

The exodus was due in part to the combination of low wages and rising prices during the pandemic. Taylor added the turnover has had a major effect, with those still working at restaurants having to pick up the slack. Some employers have improved their pay and benefits, but issues remain.

"Every restaurant right now is just chronically understaffed, and we're not getting paid for the work that we're doing," Taylor contended. "There's very few places that offer paid sick leave."

Aside from pay, Taylor said the governance factor in the legislative proposal, such as having more say in scheduling shifts, could be another important tool in improving the well-being of restaurant workers.

Restaurant workers have been fleeing the industry throughout the Great Resignation, with no end in sight.

In order to codify necessities for better working conditions, Restaurant Opportunities Centers United has been working to develop the Restaurant Workers Bill of Rights. The set of rights seeks to provide restaurant workers with livable wages, better access to health care, a safe work environment and participation in governance.

Teo Reyes, chief program officer at Restaurant Opportunities Centers United, believes there's a need for this bill.

"The fundamental impetus for this is for us to bring workers together to build power," Reyes explained. "One of the milestones will be getting these bills introduced at a federal level in Congress, at the state level, and at a municipal level, and then advancing components of those as the opportunity presents itself."

This bill of rights will be introduced to Congress in September. Months of outreach to restaurant workers across the U.S. helped determine what should go into the bill.

New York's own restaurant industry has seen 120,000 people leaving for different jobs, according to a report from the University of California-Berkeley's Food Labor Research Center, due in part to low wages and rising prices during the COVID-19 pandemic.

In New York City, workers from any sector can see what they are entitled to under the city's Workers Bill of Rights.

Reyes believes the document will need to be updated to reflect the most current needs of restaurant workers. He shared some gripes workers had, providing a clear path on what changes should be made.

"It breeds a lot of unhealthy behaviors like excessive drinking and late-night eating," Reyes pointed out. "I'm not as healthy, and I miss large parts of the next day catching up on sleep. I think that restaurants should provide health care and dental care. People complained about rude customers, people complained about scheduling; like two weeks' notice to schedule even in a small business."

Not all the survey's answers were negative. Many of those surveyed praised their co-workers, and others felt it could be a highly lucrative industry, something Reyes hopes to maintain through establishing the bill of rights.

Too many Latinos are stuck in low-wage occupations, according to a new report, and some with darker skin face discrimination and an even steeper climb to the middle class.

Statistics show that about one-third of Nevada's population is Latino.

Jessica Vela, research assistant in tax and budget policy at the Center for American Progress, said many Latino workers, particularly those of Mexican, Guatemalan, Honduran, and Salvadoran descent, toil in low-paying industries such as hospitality or caregiving that are rife with labor violations.

"Hispanic and Latino workers make up a large part of the tipped worker population," she said. "Latinos are 17% of the overall workforce, but represent 24% of tipped employees."

The report noted that tipped workers often make sub-minimum wages, are at the mercy of the economy and were laid off by the millions during the pandemic. It also found that Hispanic men had the highest unemployment rate during COVID, followed by Hispanic women.

Vela noted that home care is one of the most common occupations for Mexican, Guatemalan, Honduran, Salvadoran and Dominican women. She contended that all states should step in to require better working conditions.

"California signed a statewide agreement with Childcare Providers United to increase wage rates," she said. "They subsidized child-care slots, which can be incredibly helpful with many families needing to work."

Advocates are calling for a higher federal minimum wage and more grants to help people afford to go to college or a trade school. A report from Georgetown University found that Latinos make up about 37% of Nevada's college-age population but only about 29% of students at four-year colleges and 36% at community colleges.


Support for this reporting was provided by Lumina Foundation.