New Jersey Citizen Action Education Fund (NJCAEF) is a nonprofit, 501(c)(3) organization, founded in 1983. Our goals are to promote economic and social justice, to empower and organize the unorganized, to build a strong progressive coalition working on issues of common concern, strengthening our base both collectively as a coalition and as individual organizations.
Our education focuses on community, senior, consumer, labor and other constituencies that would be affected by pocketbook issues like changes in the tax code, health care reform, environmental hazards, and utility rates. We have comprehensive outreach and training programs to assist families in dealing with insurers, banks, health providers, utilities, and telecommunications service providers. Read our complete Mission Statement. Phyllis Salowe-Kaye, NJCAEF Executive Director, was honored with a 2012 Women of Distinction Award.
Wednesday, September 10, 2014 from
11:30am to 1:30pm
The Newark Club
One Newark Center
1085 Raymond Boulevard — 22nd Floor
Newark, NJ 07102
The New Jersey Citizen Action Education Fund (NJCAEF) and City National Bank are pleased to invite you to attend a free small business luncheon and discussion on the banking needs of New Jersey's small business owners. Registration is required for this event.
The purpose of this event is to learn about what small business owners like you want and need from your local banking institutions. We will discuss access to capital, products and services, and relationship management. You do not have to be a customer of City National Bank to participate in this event.
We know that the ongoing economic crisis has presented many challenges around maintaining and growing a business in New Jersey. We want to hear about what you are experiencing.
We hope that you will be able to join us for this complimentary luncheon and discussion. Due to limited space, we ask that only the owner or senior manager responsible for making decisions pertaining to your banking needs and relationships attend the event. Please distribute the Flyer and Invitation — Thank you!
RSVP as soon as possible by contacting Suesan Cota at (973) 643- 8800, x237 or emailing her at firstname.lastname@example.org. We look forward to seeing you there!
Come to NJCA's FREE First-time Homebuyer Seminar in Newark.
Saturday, September 20, 2014, from 2:00 4:00pm
New Jersey Institute of Technology
150 Bleeker Street
Campus Center 2nd Floor
Newark, NJ 07103
Men welcome too!
Childcare available for children ages 2-10 with pre-registration.
TO REGISTER, please call New Jersey Citizen Action at 973-643-8800, ext. 218, or email email@example.com. Si necesita información en Español, llamenos por favor.
This event is co-sponsored by: New Jersey Citizen Action Education Fund, U.S. Department of Housing and Urban Development, Capital One Bank, Citibank, HSBC Bank, JP Morgan Chase, M&T Bank, RSI Bank, TD Bank, Victoria Foundation and Wells Fargo.
The New Jersey Citizen Action Education Fund
invites you to attend
FINANCIAL REFORM SUMMIT V
"Let's Be Frank!"
This event is FREE and open to the public!
Friday, October 10, 2014
10:00 AM–2:00 PM (Registration 9:30 AM)
Paul Robeson Campus Center
The Essex Room
350 Dr. Martin Luther King Jr. Boulevard
Newark, NJ 07102
The venue is wheelchair accessible.
Map and Directions
Retired US Congressman Barney Frank was co-architect of the historic Dodd-Frank Wall Street Reform and Consumer Protection Act. He will share his unique perspective on the law and its implementation with Summit participants.
Join community leaders, policymakers and others at the Summit to hear experts talk about the status of financial reform locally and nationally, Dodd-Frank and the Consumer Financial Protection Bureau.
The Open Enrollment period under the ACA is now closed. But the Marketplace remains open for those with special circumstances — Go to CoverNJ.org (click here) for details.
- You have a qualifying life event, like having a baby, getting married, or losing other coverage, or
- You have other complicated situations, including an unexpected hospitalization or temporary cognitive disability, a natural disaster such as an earthquake or massive flooding, misconduct by a non-Marketplace enrollment assistor like an insurance company or broker, a technical malfunction during enrollment, domestic abuse, errors related to immigration status, Medicaid/Marketplace transfers, or several additional factors.
For details, including links and contact information, go to CoverNJ.org (click here).
*** opening date Friday January 31, 2014 ***
If you earned $51,567 or less in 2013, the IRS may owe you up to $6,044
NJCA will Provide:
- Specially trained and IRS-certified tax preparers
- Timely refunds with e-filing
- Direct Deposit
- All services are provided in English and Spanish
For details click here or...
Call Us at 1-888-829-3711
165 Halsey Street
Newark, NJ 07102
Map and Directions
EXTENDED HOURS IN FEBRUARY
HOURS: Monday, Tuesday, Thursday, and Friday 9am – 7pm
Saturday 10am – 4pm
Closed Wednesday and Sunday
|Phyllis Salowe-Kaye with her family and Senator Robert Menendez|
On March 11, 2012 U.S. Senator Robert Menendez (D-NJ) hosted his Third Annual Women of Distinction Awards to celebrate Women’s History Month. Phyllis Salowe-Kaye, Executive Director of New Jersey Citizen Action Education Fund, and New Jersey Citizen Action, was among the six honorees at the 2012 Women of Distinction Awards presented by United States Senator Robert Menendez. Full details here.
The NJ Main Street Alliance (NJMSA) is a coalition of over 1400 small business owners and sole-proprietors throughout the state who are working to create opportunities to speak for themselves on important policy issues. The NJMSA, is a project of NJ Citizen Action and a member of the National Main Street Alliance, a network of small business coalitions in 15 states with over 10,000 members nationwide. Since its inception in August 2008, this coalition has successfully influenced the federal policy debate over health care reform and is now expanding to have a voice on issues such as financial reform, responsible taxes, clean energy, job creation, and economic recovery.
For more information, please contact: Corinne Horowitz at 732-246-4772 x25 or firstname.lastname@example.org.
NEW! Read the New Jersey Main Street Alliance Blog for more information about issues, research, and the latest developments!
Thank you for attending the Financial Reform Summit on November 30, 2011 and making it such a great success! Special thanks to the panelists and everyone who participated in the conference, including consumer advocates, community leaders, elected officials, bankers, regulators, labor leaders, seniors, academics, students and members of the public.
Speakers discussed the developments financial reform in New Jersey since the enactment of Dodd-Frank Wall Street Reform and Consumer Protection Act, its impact on consumers, investors and small business owners. State and national reform experts also discussed the foreclosure crisis, the efficacy of state and national programs meant sole it, as well as alternative approaches that seem to be having a positive impact and how they can help homeowners in New Jersey.
|NJMSA Advisory Council member Samia Bahsoun (speaking) with Congressman Frank Pallone (center) and NJ Citizen Action Central Jersey Organizer Adam Sherman.|
In Long Branch, NJMSA Advisory Council member Samia Bahsoun spoke at a press conference alongside Congressman Frank Pallone to share her story of how the ACA is helping her business and her family. Meanwhile in South Orange, small business owners and consumer advocates gathered at the South Orange Frame shop owned by MSA member Chris Bobbins to share their personal stories and hear comments from the National Director of the Office of Insurance Exchanges for Department of Health and Human Services, Joel Ario, and SBA Regional Administrator John Shoraka. For full details, read the Press Release.
How has the Affordable Care Act impacted your business or family? Share your story here.
In the News
- "The Affordable Care Act: One Year Later" (NJ Spotlight — April 1, 2011)
- "Health Care Reform: One Year Later" (The Root — March 23, 2011)
- "Health Care Reform On Its First Anniversary" (WBAI Evening News — March 22, 2011 AUDIO NEWS INTERVIEW)
- "Small Business Health Care Birthday Event in New Jersey" (My9 WWOR TV — March 23, 2011 VIDEO NEWS INTERVIEW)
On March 17, 2011 NJ Citizen Action Education Fund and NJ for Health Care released a new report by New Jersey Policy Perspective, analyzing the impact of the Affordable Care Act (ACA) on New Jersey's struggling working families.
The Report (click here)—"Good Medicine: The Impact of the Patient Protection and Affordable Care Act on New Jersey's Working Families with Children" — identifies specific benefits of the ACA and makes recommendations about how New Jersey can maximize its benefit under the new law. Details here.
GOT HEALTHCARE QUESTIONS?
Call Us Toll Free at
1-888-NJ GET WELL (1-888-654-3893)
- How Will My Family Get Health Insurance?
- Will My Coverage be Adequate?
- Will I be Able to Afford Coverage?
- How do I Use the Coverage Once I am Enrolled?
- How will the New Federal Health Reform Law Help Me and My Family?
The NJ Consumer Health Helpline is a Free Health Care Consumer Assistance Program working to ensure that consumers are able to access affordable, quality health care and effectively navigate the often complex health insurance system. The Helpline also provides vital information to policy makers by identifying and addressing health care related problems as they occur in real time in our communities.
Our Helpline Counselors are trained and have up-to-date information about healthcare coverage in New Jersey, where to go if you have a problem with your insurance company and how to access other health related programs. NJCA is an independent, statewide education and advocacy organization. We are not a government agency. We work to ensure that all New Jersey residents have access to high quality and affordable health care.
For more information contact Yarrow Willman-Cole at email@example.com. Download this program's flyer in English or flyer in Spanish. Funding for the New Jersey for Health Care Consumer Helpline Project was provided by the Healthcare Foundation of New Jersey. Like the Health Helpline on Facebook!
|L to R: Diane Sterner, executive director of the Housing and Community Development Network of New Jersey; Phyllis Salowe-Kaye, executive director of New Jersey Citizen Action Education Fund; William Best, senior vice president for PNC.|
On August 31, 2010, New Jersey Citizen Action, the Housing and Community Development Network of New Jersey, and PNC formally signed PNC's three-year Community Reinvestment Agreement for almost $1 billion.
In renewing their commitment to the people of New Jersey by signing this three-year agreement, PNC is extending its pledge to lend and invest in low- and moderate-income communities, to individuals, and to small businesses owned by women and minorities. PNC will offer below market rate mortgages with low down payment requirements, no points and no PMI for low- and moderate-income borrowers, grants for closing costs, and grants and loans for residents with disabilities.
This agreement will also provide refinance loans, consumer loans, and capital for low-income and moderate- income business owners. PNC has also made a major commitment to New Jersey's community development nonprofits. PNC has agreed to provide products including loans for site acquisition and construction financing, lines of credit for rehab and resale, and permanent financing for affordable housing development. Non-residential real estate loans for construction and permanent financing will also be available to non-profit organizations.
In addition, PNC will continue to support local small business lending and is making a commitment to lend to businesses located in low- and moderate-income communities and to smaller businesses borrowing $100,000 or less.
- News Coverage: "PNC Pledges More Than $900 Million In Community Reinvestment" (The Record / NorthJersey.com — September 1, 2010), "PNC Bank Renews Mortgage-Lending Commitment To Low And Moderate Income" (NJBIZ — August 31, 2010).
This new report shows that the cost of failure to enact national health care reform would be high, especially for middle-class families. Under the worst-case scenario, failure to pass national reform would result in:
- The number of uninsured Americans increasing from 49.4 million in 2010 to 59.7 million in 2015 and 67.6 million in 2020.
- A larger share of the uninsured coming from middle- and higher-income families.
- Premiums becoming increasingly expensive for employers and their workers.
- Offers of coverage falling significantly for workers in small and medium firms.
- Medicaid and Children's Health Insurance (CHIP) enrollment and costs increasing substantially.
- Employers seeing large increases in premium costs.
- Uncompensated care costs more than doubling.
- Health care costs paid directly by families increasing significantly.
- Full Report.
- NJCAEF's Press Statement.
- Cost of Failure Uninsured Fact Sheet.
- Cost of Failure CHIP Fact Sheet.
- Cost of Failure Employer Fact Sheet.
- Cost of Failure Uncompensated Care Fact Sheet.
On February 24, 2010, the NJ Consumer Voices for Coverage (CVC) Leadership Team released a new report by Ray Castro, Senior Policy Analyst at NJ Policy Perspective, analyzing the impact of national health care reform on New Jersey. NJ CVC was joined by Congressman Rush Holt (NJ-12) in explaining the benefits of comprehensive national health reform including expanded coverage, improved quality, and lower health care costs for New Jersey residents.
The Report looks at key provisions of the House and Senate health care bills and President Obama's health reform proposal released on Monday, February 22nd and recommends which elements of each proposal best serve the Garden State.
- Read the Report: "Estimated Impact of Health Reform Bills Passed by the House and Senate on New Jersey."
- Summary of the Report.
- Press Release.
- List of Press Conference Speakers.
- Statement of Eve Weissman, NJ Citizen Action Education Fund.
- Dr. Jeffrey Brenner, MD, Camden Coalition of Healthcare Providers.
- Kelly Conklin, NJ Main Street Alliance.