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@PCDC_events @phillychinatown
PCDC was formed in 1966 to preserve, protect and promote Chinatown as a viable ethnic, business and residential community. 301-305 N. 9th St. , Philadelphia, PA 19107 p: 215-922-2156 f: 215-922-7232
www.chinatown-pcdc.org @chinatown-pcdc
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Printed by Health Partners Plans
February 2019
The Philadelphia Chinatown Development Corporation (PCDC) will be celebrating the Year of the Pig on Friday, February 22rd, 2019, at Chinatown’s Ocean City Restaurant. PCDC hosts this annual fundraiser to help sustain the organization. The funds raised from this banquet will support our work and mission. To register , please visit: https://conta.cc/2Scrtlm. For sponsorship and ticket information, please contact Rachel Mak at 215-922-2156 or [email protected].
Chinese New Year Banquet 1
In This Issue :
PCDC News
Programs and Services
Main Street
Neighborhood Plan: Goal 6 6 Zoning Matters 6 Crane Chinatown Update 6
Social Media Marketing Workshop 10 Po-Up Cards Making Workshop 10 Job Posting 10 PCDC Housing and Family Service 10
Community News
Chinese New Year Events 2 Chinatown Bid 2
Zoning and Planning
February Teen Events 5 PA Property Tax/Rent Rebate Prog. 8 PCDC Clients Move 8 Federal Income Tax Basics 101 8 VITA Program 9 The Importance of Good Credit #5 9
Philadelphia Chinatown Development Corporation is a grassroots, 501(c)(3) non-profit organization who aims to preserve, protect, and promote China-town as a viable ethnic, residential, and business community. We need your support. DONATE
First NAC Service Area Briefing 3 New NAC Office at PCDC 3 Basic Systems Repair Program 4
NAC
P CDC N ew s
Make Chinatown a BID
What is a Business Improvement District (BID)?
A BID is a geographically defined area and is a legally recognized authority by the government. A BID collects a fee from proper-ty owners, which pays for services to improve the area. All property owners share the costs of the district. The district services are decided by the BID.
What can BIDs do?
BIDs deliver a range of services over-and-above normal City services and invest in the long-term economic development of their districts.
BID can clean the streets. BID can hire cleaning staffs to remove sidewalk litter and graffiti.
BID can improve public safety. Secur ity officers can be hired to reduce and prevent cr ime, such as robbery and theft.
BID can help small businesses to thrive. BID can hire Business exper ts to conduct workshops and programs to
Assist with property value appeal
Conduct employee training
Assist business owners with public resources and funding opportunities, such as Security Camera Grant Program and Storefront Improvement Program
Assist with business promotion on social media
BID can promote the neighborhood. BID can host special events to highlight commercial activities in the distr ict, such as Center City Restaurant week organized by Center City District. BID can also provide marketing opportunities to business-es that encourage people to visit the neighborhood (i.e. brochures, flyers, advertising campaigns, etc.)
In short, BID can effectively improve the neighborhood in the ways you decide!
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NAC Programs and Ser vices
First NAC Service Area Briefing
On January 16th, PCDC’s new NAC office organized the first NAC Service Area Briefing at Francis House of Peace- Ping An House. More than 30 community mem-bers attended the meeting. Elhadji Ndiaye, Neighborhood Program Coordination Unit Supervisor, and Angela Price, Neighborhood Program Coordinator, came to the meet-ing to show their support for Chinatown. PCDC invited Vicki Riley from Philadelphia Department of Revenue to introduce property tax rebates programs to the communi-ty, such as Homestead Exemption and senior citizen Real Estate Tax freeze. Chinatown community members learned about city resources for homeowners who have difficulty paying property taxes.
There will be three more NAC Service Area Briefings in
the coming eight months. Stay tuned for the updates.
New Neighborhood Advisory Committee (NAC) Office at PCDC
Chinatown is a recent NAC neighborhood, and we are already making connections with City agencies which offer programs to help homeowners and tenants improve their housing conditions. The NAC team at the Division of Housing and Community Development is offering technical assistance to PCDC to engage you and help you. The Neighborhood Advisory Committee Program offers community-based nonprofit organizations the opportunity to lead and en-gage residents in eligible neighborhoods in activities that support the City’s core objectives, including:
Promoting neighborhood sustainability through programs addressing homelessness prevention, energy conservation education, housing preservation, neighborhood safety, and health and wellness;
Utilizing referral services for available housing counseling, workforce development and economic opportunities; Cultivating youth mentoring and civic engagement; and Ensuring resident participation in City planning and development initiatives.
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Left to right: Yue Wu (PCDC NAC Coordinator), Iliyaas Muhammad (Neighborhood Program Coordinator), Angela Price (Neighborhood Program Coordinator),
Elhadji Ndiaye (Neighborhood Program Coordination Unit Supervisor), John Chin (PCDC Executive Director)
NAC Programs and Ser vices
What is the Basic Systems Repair Program? The Basic Systems Repair Program (BSRP) provides free repairs to correct electrical, plumbing, heating, structural and roofing emer-gencies in eligible owner-occupied homes in Philadelphia.
What types of emergencies are eligible? You can apply for free major systems repairs if your home’s prob-lems include:
Dangerous electrical conditions, such as overheating or spark-ing wiring or entire circuits that won’t stay on;
Leaking or broken sewer lines; Leaking or broken water service lines; Violations from Water Department, Philadelphia Gas Works,
PECO or Philadelphia L&I; Roof leaks which have caused a 4 sq. ft. or larger section of
ceiling to collapse (Small roof leaks are not considered emer-gencies); and
Structural repairs to exterior walls of home (Brick pointing and stucco are not considered emergencies)
* Note: All hazardous conditions must be resolvable within grant limits in order for any work to be performed.
Who is eligible? To be eligible for free emergency repairs you must:
Have not have received BSRP services in the last three years. Own and live in the single-familyhouse with the problem Be current or under current payment agreement for both your
property taxes and your water bill Meet the income guidelines Not own any other residential property
Income Guidelines Income is calculated using gross income for all members of the household.
For households larger than 8, add approx. $6,480 per person. (Income guidelines subject to change)
Household Size Maximum Annual Household In-
come
1 $18,210
2 $24,690
3 $31,170
4 $37,650
5 $44,130
6 $50,610
7 $57,090
8 $63,570
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How do I apply?
The first step in receiving PHDC services is to complete an Expression of Interest form. You may download an Ex-pression of Interest form and return it to PHDC by US Mail to:
PHDC, 1234 Market St., 17th Floor, Philadelphia, PA 19107 Attn: B. Abdullahi
Speak to a PHDC operator by telephone at 215-448-2160, Monday through Thursday from 9am until 4pm and Friday from 9am until Noon
Stop by PHDC’s office at 1234 Market Street, 17th Floor between the hours of 9am and 4pm to complete a written Expression of Interest form
You will need to provide the following information:
Total gross annual household income (before taxes) Source of that income (employment, SSI, DPA, etc.) Number of people in your household
You will need to submit proof of your emergency before your case will be accepted. Proof can be:
Violation notice from L & I Notice of defect from water department Heater “tag” or notice of defect from PGW Clear photos showing damage to ceiling from roof leak Photos showing accumulation of sewage in basement from
plumbing leak Instructions on how to submit violations and photos will be
given to you by the hotline operator
Call the BSRP Hotline at 215-448-2160 Monday through Thurs-
day 9am – 4pm and Friday 9am – Noon. Hearing impaired per-
sons only, call TDD 215-448-2184.
For more information, please visit:
http://www.phdchousing.org/home-repair/basic-systems-repair-program/
Basic Systems Repair Program
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PCDC Programs and Ser vices
WorkReady Philadelphia Applications are now open for summer 2019. WorkReady provides young people career-connected education designed to create long-lasting relationships while gaining the critical 21st century skills that are foundational to entering the workforce. WorkReady addresses the importance of youth employment by providing young people an opportunity to learn and bringing employers new energy, creativity, comfort with technology and eagerness to learn. To apply, visit https://phila.workready.org/security/phila/login
Introduce a Girl to Engineering Day Join Drexel Engineering for an exciting opportunity to learn about engineering and STEM through conversation and demonstra-tions by Drexel students! Girls in grades 7-10 are welcome to attend this FREE event. Please complete the RSVP form at https://goo.gl/ckrPk9 to register. Please note: Attendees must be accompanied by a parent or guardian who must stay with them during the event. Date: Saturday, February 9 Time: 10:00 AM to 2:00 PM Location: Creese Student Center, 3210 Chestnut Street
Franklin Institute Community Nights – February 25th Everyone is welcome to join in the fun at these FREE educational and fun-filled science extravaganzas that include The Franklin Institute's famous permanent exhibits, special programs, and hands-on activities. Admission is free and there is no need to pre-register. Doors open at 5:00 PM. For more information, visit https://www.fi.edu
The Vegetarian Resource Group Scholarship Graduating U.S. high school students who have promoted vegetarianism in their schools and/or communities. Vegetarians do not eat meat, fish, or fowl. Entries may only be sent by students graduating from high school in SPRING 2019. Requires an essay, and your transcript or report cards for the past two years. For more details and for the application, please visit their website. Deadline: February 20, 2019 Award amount: $5,000 (2 awards), $10,000 (1 award) To apply: https://www.vrg.org/student/scholar.htm
February Teen Events and Opportunities:
Important Announcements:
The February practice SAT will be on February 23rd, 2019 from 9:00 AM to 1:30 PM at 901 Wood Street. Please
contact Rosaline at [email protected] to reserve a seat.
Teen Support Group The Teen Support Group is a safe space for teens to talk about stress in their lives and learn good mental health habits. Wednesdays from 5:30 PM—7:30 PM 901 Wood Street, Chinatown Teachers: UPenn Psychiatrist Jenny Yu, MD, Ph.D. and Philadelphia Asian mental health pioneer, Helen Luu, LCSW
Weekly Teen Club Schedule: All classes and materials are free of charge. Walk-ins welcome! Space is limited.
SAT Reading & Writing Tuesday 4:00 PM – 6:00 PM, 901 Wood Street, Chinatown Teacher: Phoebe Ho
SAT Math Monday 4:00 PM – 6:00 PM, 901 Wood Street, Chinatown Teacher: Clara Zheng
Badminton Night Wednesday 3:30 PM – 5:30 PM,
Holy Redeemer Gym,
915 Vine Street, Chinatown Teacher: Lamei Zhang, Rosaline Yang
Free Practice SAT
Last Saturday each month, 9:00 AM – 1:10 PM 901 Wood Street, Chinatown Space is limited. Please email Rosaline Yang at [email protected] to reserve a spot.
Free Fun Fridays Fridays, 4:00 PM – 6:00 PM, 901 Wood Street, Chinatown Teacher: Rosaline Yang
Goal No. 6 — Coalition Building
PCDC is leading the Chinatown Neighborhood Plan in the coming years. With 1,300 community members and stakeholders
engaged in the planning process, the Plan sets out specific goals and actions in improving the built environment, expanding economic opportunity, and enhancing community life. Broad engagement and involvement throughout the community in the implementation process of the Plan will strengthen Chinatown as a vital residential neighborhood, a destination commercial district, and a home away from home for immigrants across the city and region.
Thank you Interface Studio, Steering Committee, and Community Partners for supporting this plan.
How We Came Up with the Goal Two of the fastest growing population segments in cities are immigrant communities and millennial urban professionals, and this is particularly true for Chinatown and Chinatown North. The socio-economic divide is wide and there are often few lines of communication or spaces of overlap between higher income professionals and lower-income immigrants. The neighborhood is also a very diverse mix of land uses with artists and creative industries, restaurants and manufacturers sharing space with residents. Building a strong and equitable neighborhood compels these different and sometimes conflicting interests to come together. We aim to develop and strengthen community networks and leadership to ensure active and meaningful community engagement in the plan’s implementation.
What We Are Going to Do to Achieve the Goal Build community engagement and stewardship PCDC will identify partners and brainstorm concepts for regular pilot collaborative community events, which will engage community partners, residents, and community members. Several youth-led community projects will be conducted to strengthen youth leadership and engagement. Grow and amplify community voice PCDC will complete education campaign around affordable housing, targeting Chinatown community members and residents. Community engagement workshops will conducted to empower residents with knowledge about policy, and provide them with the skills to influence policy. Additionally, PCDC will organize community visit to City Council to present community concerns.
Zoning and Planning
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Zoning and Planning
Below are the current and upcoming zoning matters within the Chinatown district. Zoning matters are presented to the com-munity first, through public RCO meetings, before they are heard by the Zoning Board of Adjustment (ZBA). Please feel free to attend an RCO meeting or ZBA hearing regarding any matter of interest. All ZBA hearings are held at One Parkway Building, 1515 Arch Street, 18th Floor.
PCDC's Planning Committee meets at 6pm on the second Tuesday of each month as the Registered Community Organiza-tion (RCO) for the boundaries of 7th to 13th Street, Filbert to Spring Garden Street.
The next meeting is on February 12. The next three meetings are: March 12th April 9th May 14th
Previous Cases: Address: 911-13 Race Street Appeal #: 35575 Permit #: 900684 Scheduled Hearing Time: Jan 30, 2019 Proposal: Complete demolition of an existing attached struc-ture, and the erection of an attached structure, size and location as shown on plan/application. Use as sit-down restaurant at first and second floors, with multi-family household living (thirty-two (32) dwelling units) above, with eleven (11) accesso-ry class 1a bicycle parking spaces (located on an accessible route); no signs on this permit. RCO Opinion: oppose. The proposed apartment building exceeds the height limit in Chinatown, it would make the area too dense, and the site is historic. Upcoming Cases: There are currently no upcoming cases scheduled for a public
meeting at PCDC. If there are cases added to the meeting agen-
da, PCDC will post them on the official Facebook page.
Zoning Matters
Crane Chinatown Update
Crane Chinatown is a new development under construction and sponsored by PCDC along the northern region of China-town. Visible from the neighborhoods that surround it, it is a symbol of the trajectory of this hard-working and proud com-munity. Crane is a multi-use development with residences, retail and office space, and a community center. It is on schedule to finish construction by Fall 2019. We are pleased to announce our new Project and Business Development Manager, Anne Montgomery, who will manage the completion of the construction and the development of the community center program.
PCDC’s HUD certified Housing Counseling Program offers Homebuyer Education classes monthly to assist and support homeownership now or in the future. PCDC is the only agency to offer Chinese Homebuyer education within Philadelphia. You will get a head start to homeownership, which can lead you to more favorable options when you decide to become homeowner. The morning class is from 9am to 1pm; the afternoon class is from 3pm to 7pm!
The upcoming class is Thursday, February 28th.
Registration is required. Please call or email Ping Lee to reserve your seat: 215-922-6156 or [email protected]. ***A Homeownership Certificate will be issued upon completion of a class and a 2 hour one-on-one counseling. This is required for down payment/closing cost assistance.
Home Buyer Down Payment / Closing Cost Assistance Available:
Banks might offer different assistance programs. Please consult with your bank loan officers for details. You can also call PCDC Ping
Lee 215-922-6156 for more information.
Programs and Ser vices
PA Property Tax/Rent Rebate Program
PCDC is reminding low-income homeowners and renters to consider applying for Pennsylvania’s Property Tax/Rent Rebate Program. This program is designed to reduce pay-ment towards property tax/rent for seniors and perma-nently disabled citizens living in Pennsylvania. The amount of rebate given depends on the income and the property taxes or the rent you paid during the 2018 cal-endar year. The earlier you submit your claim, the more likely your rebate check will be among the first the De-partment of Revenue will mail. Eligibility for the pro-gram:
You were 65 or older as of December 31, 2018 You were under age 65, but your spouse who resided in
the same household was 65 as of December 31, 2018 You were a widow or widower during 2018 and were 50
or older as of December 31, 2018 You were 18 or older during 2018, you were unable to
work because of a physical or mental disability, and your disability is expected to continue.
Homeowners and renters can be eligible for a rebate up to $650 if their income does not exceed $35,000. Some home-owners may qualify for supplemental rebates to increase their rebate. Renters must have a landlord-tenant relation-ship. Landlords must have paid real estate tax. The deadline is June 30, 2019. Please call Philadelphia Chinatown Devel-opment Corp. (PCDC) at (215) 922-2156 for assistance. Forms are available at PCDC.
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Federal Income Tax Basics 101
Once again, the tax filing deadline is coming soon - April 15th. This article offers a basic introduction to income tax filing.
1) The amount of tax that you owe depends on your income level and filing status. There are seven tax rates from 7% to 37%;
2) Tax deductions and tax credits allow you to save money on taxes
3) Tax deduction allows you to deduct an amount from your tax-able income;
4) Tax credit is an amount of credit that can be offset against your tax liability;
5) Typically you pay either a “withholding tax” or “estimated tax.” If you work for a company, your employer probably withholds income tax from your paycheck. The employer sends the withholding tax to the IRS on your behalf. The amount of withholding tax is determined by the information that you provide in a W-4 form and your income.
6) If you have too much tax withheld from your paycheck during the year, you will receive a tax refund.
7) If you have too little tax withheld from your paycheck during the year, you will have to make a tax payment.
8) If you are an employee of a company, the company will issue you a W-2 form, which states your income and taxes withheld.
9) If you are a contractor, the company will issue you a 1099 form, which states the amount of payments made to you and any taxes withheld.
10) Tax credits include: 1) Earned Income Tax Credit (EITC); 2) Additional Child Tax Credit (ACTC), 30 American Opportuni-ty Tax Credit (AOTC); 4) and Net Premium Tax Credit. Each of these credits has its eligibility requirements.
Program Amount First time homebuyer only? Banks
CommunityWorks® program Up To $7000 Yes HSBC Bank
Home Grant Program Up To $7500 No Bank of America
Chase Homebuyer Grant Up To $3000 No but for primary residence only JPMorgan Chase and Co.
Destination Home Mortgage Up to $2500 Yes Citizen Bank
Keystone Advantage Assistance
loan program Up to $6000 no-interest 10 year loan No PHFA closing-cost assis-
Your First Home Program Up to $1000 Yes DHCD
HomeReady Mortgage Up to $2000 No TD Bank
Closing Cost Assistance Grant Up to $2500 No PNC
Programs and Ser vices
PCDC Clients Thrilled to Move into New Housing!
Ten PCDC clients signed their leases to move into their new apartments at Cantrell Place. One resident told Housing Coun-selor Wendy Lee that the new apartments are so nice and spa-cious. We congratulate our clients for advancing through PCDC’s housing counseling program to obtain affordable housing. The monthly rent fee charged to our clients will be 30% of their monthly income.
PCDC housing counselors helped twenty-three clients to apply to Cantrell Place last summer. Most of these clients waited in line early on application day and were placed at the top of the application list. Ten completed the application and approval process with PCDC’s help and successfully obtained an apart-ment.
If anyone is interested in learning how to find affordable hous-ing or need assistance throughout the process, PCDC offers rental, pre-purchase and post-purchase housing counseling and education service to our commu-nity. You can call PCDC office 215-922-2156 to schedule one-on-one counseling or signup for our education classes.
9 Brought to you by Freddie Mac CreditSmart
GOOD CREDIT IS VALUABLE
Now that you understand the basic types of credit and interest, you are ready to establish good credit history. Credit history is a large part of your financial reputation, and it is examined when you apply for a loan for a new home or car—and per-haps when you apply for a job.
With good credit, you will receive preferable interest rates and pay lower fees. Over time, you will see this for yourself. As your good credit history grows, you will have an easier time getting a loan approved, and you will receive favorable rates and terms. Your auto and home insurance premiums may even go down as your credit rating goes up.
With good credit and early preparation, you can buy a home for
your family—the market value appreciation of a house builds
equity. Equity is the difference between the value of your home
and your outstanding loan balance. For example, if you buy a
home today and own it for five years, and the home increases in
value, you have equity. For example, if your home is worth
$400,000 and you owe $210,000 on your mortgage, you would
have $190,000 in equity ($400,000-$210,000=$190,000).
Your home’s equity is a valuable tool for building wealth for the future of your family. You can use the equity to purchase a large home, or you can borrow against the equity to improve your property. Your home’s equity may even fund your business, retirement or your children’s education.
Other advantages of homeownership include valuable tax bene-
fits, such as being able to deduct your mortgage interest pay-
ments on your annual income tax return if you itemize your tax
deductions. Another advantage is having the same monthly
mortgage payment over the life of your loan (If you have a fixed
-rate mortgage). If you are a renter who has ever experienced a
rent increase, you can easily see the value of this.
Believe it or not, there are also advantages to using credit cards for your regular purchases (provided you pay off your balance each month). Carrying large amounts of cash to make purchases is dangerous. Cash cannot be replaced if lost or stolen, while most credit cards offer some form of protection if your card is reported stolen or missing. When you use a credit card, you may receive some form of buyer protection if you purchase an item that is defective. Credit cards also offer a way to track your pur-chases via your monthly statement—giving you an effective way to track expenses for your household or small business.
The Importance of Good Credit Series - #5
Pop-Up Cards Workshop Get inspired—then get to work. These workshops start in the gallery and finish
with hands-on studio time led by a Philly creative. Search for auspicious symbols in the new Chinese galleries and then make your own pop-up cards with artist Colette Fu. Discounted price of $32 for PCDC members (normally $40). Includes general admission.
Museum Studio: Pop-Up Cards
2600 Ben. Franklin Parkway,
Philadelphia, PA 19130
Wednesday, Feb. 27 6:00-8:45 PM
Job Posting
Rosales Communications
is Hiring a Community
Outreach Associate
Part-Time. MUST have a
valid driver license and a
car.
For more details or to ap-
ply, contact Percy Rosales
工作公告
Rosales Communications
正在招募一個社區服務相
關的職位 兼職。必須要有
有效的駕駛證和車。 如需
了解更多信息或申請，請
繫Percy Rosales
Community News
Image credit: Tao Hua Yuan Ji: Source of
the Peach Blossoms, by Colette Fu. 10
立體卡片講座
得到啟發，然後開始創作。這些工作坊在畫廊裡，
由一位費城的創意人士帶領大家親身體驗。在新的
中國美術館查詢有關吉利的像徵後，與藝術家
Colette Fu一起製作你自己的立體卡片。 PCDC的會
員折後$32 （正常票價$40）。需要常規的申請。
博物館工作室：立體卡片
2600 Ben. Franklin Pkwy, Philadelphia, PA 19130
星期三，二月二十七號，下午6:00-8:45
圖像來源：桃花源記；由Colette Fu製作
社區新聞
PCDC Housing and Family Service Monday, and Wednesday 10 AM - 5 PM Walk-in Monday, Tuesday, Wednesday, and Thursday 12 PM - 1PM — PCDC staff helps clients to read letters If service is required, you have to schedule an appointment with our housing counselors or drop by during walk-in hours.
PCDC住房和家庭服務
星期一，星期三上午10點 - 下午5點
週一，週二，週三和周四中午12點至下午1點 - PCDC員工幫助客戶閱讀信件
如果需要服務，您必須安排與我們的住宿顧問預約或在步入時間內到達。 10
Need help with Reading Letters?
需要幫助閱讀信
Problem with the Language Barrier?
語言障礙的問題？
Community News!
社區新聞
Need Help Applying for Social Services??
需要幫助申請社會服
Schedule an Appointment TODAY at 215-922-2156
今天就預約 215-922-2156
PCDC Staff is Here to Help!!!
PCDC 工作人員在這裡幫忙!!!
Educational Workshops
教育研討會
PCDC 的 HUD 認證房屋諮詢計劃每月提供雙語的購房者教育課程，以協助和支持潛在的房主，無論你是在本月或在幾
年內才進行購買。你將會得到一個好的開始，當你決定成為房主的時候，這可以給你帶來更多的選擇並節省更多資
金。課程安排在每個月的第三個星期四。上午班是上午 9 點至下午 1 點 或 下午班是下午 3 點至下午 7 點!
即將到來的課程是 2 月 28 日。
需要註冊，請致電或發送電子郵件給李萍好以預留您的座位： 215-922-2156 或 [email protected]。
***完成本課程後，再加上兩小時的 PCDC 一對一輔導，你將獲得一個購房教育證書; 這將有權申請首付
和/或成交費用援助計劃。
購房者首期過戶費補助計劃正在進行中:
銀行提供不同的的協助項目，請與您銀行的貸款部門人員協商以獲得準確信息，你也可以撥打 PCDC 熱線電話 Ping Lee
215-922-2156 獲取更多詳情。
項目和服務
項目 金額上限 僅限首次購房者? 銀行
CommunityWorks® program Up To $7000 Yes HSBC Bank
Home Grant Program Up To $7500 No Bank of America
Chase Homebuyer Grant Up To $3000 No but for primary residence only JPMorgan Chase and Co.
Destination Home Mortgage Up to $2500 Yes Citizen Bank
Keystone Advantage Assistance Loan Program Up to $6000 no-interest 10 year loan No PHFA closing-cost assistance
Your First Home Program Up to $1000 Yes DHCD
HomeReady Mortgage Up to $2000 No TD Bank
Closing Cost Assistance Grant Up to $2500 No PNC
賓州物業稅/租金折扣退款計劃
費城華埠發展會提醒低收入業主和租客考慮申請賓州
物業稅/租金折扣退款，這計劃幫助賓州年長居民和永
久殘疾公民減少支付物業稅/租金。退款額根據你的收
入及所支付物業稅/租金作計算。提早遞交退款申請表
格，越早提交申請，你就越有可能在第一批收到由稅
務部門寄出的折扣退款。申請者必須於2018年12月31
日﹕
年滿65歲或以上
申請者未滿65歲,但是與65歲以上配偶同住
年齡50-64歲的寡婦/鰥夫
你在2018年年滿18歲，因身體或精神殘疾無法工
作，預計殘疾會繼續
如果房主和租房者的收入不超過35,000美元，則可以獲
得高達650美元的退稅。一些房主可能有資格獲得補充
退稅以增加退稅。租房者必須有業主與承租人的關
係。房東必須繳納房產稅。申請截止日期為2019年6月
30日。
請撥打(215)922-2156致電費城華埠發展會(PCDC)尋求幫
助，申請表可在PCDC獲得。
9
聯邦所得稅基礎101
稅務申報截止日期即將到來 - 4月15日。本文提供了所得稅申
報的基本介紹。
1) 您所欠稅款的金額取決於你的收入水準和申報狀態。稅
率為7%至37%；
2) 稅收減免和稅收抵免使你可以節省稅款
a. 扣稅允許你從應納稅所得額中扣除一筆金額；
b. 稅收抵免是可以抵消你的應繳稅金的抵免金額；
3) 通常，你需要支付“預扣稅”或“估計稅”。如果你在公司工
作，你的雇主可能會從你的薪水中扣除所得稅。雇主代
表你向國稅局繳納預扣稅。預扣稅的金額由你在W-4表
格中提供的信息和收入決定。
4) 4. 如果這一年中從你的薪水中扣除了太多的稅款，你將
得到退稅。
5) 5. 如果這一年中從你的薪水中扣除的稅款太少，你就必
須納稅。
6) 6. 如果你是一家公司的僱員，公司會發給你一份W-2表
格，上面寫著你的收入和預扣稅款。
7) 稅收抵免包括：1）所得稅抵免（EITC）; 2）額外的兒
童稅收抵免（ACTC），30美國機會稅收抵免
（AOTC）; 4）和淨保費稅收抵免。
8) 8. 稅收抵免包括：1）所得稅抵免（EITC）; 2）額外的
兒童稅收抵免（ACTC），30美國機會稅收抵免
（AOTC）; 4）和淨保費稅收抵免。每一個抵免都有不
同的資格要求。
項目和服務
8 *信息來源於Freddie Mac CreditSmart
信用卡積分的重要性系列- #5
良好的信用很有價值
您已經了解了信用的類別以及信息的有關知識，也就做好
了建立良好信用的準備。信用是
您財務信譽的重要組成部分，無
論您將來申請何種貸款， 房屋貸
款也好， 汽車貸款也好，或者是
申請工作，讀得先過信用調查這
一關。
有了良好的信用，您就可以獲得
優惠利率，並支付較低的費用。
您會自己慢慢認識到這一好處。隨著您的信用越來越好，
您的貸款申請也就較容易批准，貸款利率及條件也會更理
想。您的汽車及房屋保險的保費甚至有可能因為您的信用
分數的提高而降低。 有了良好的信用，並早作規劃，您就
可以為家人購買住宅—一份可以累計價值的財產。房屋淨
價是您住房市值 （如果您今天出售）減去房屋貸款餘額的
差額。例如，如果您今天以210，000美元購買一所住宅，
五年後，這個房子很可能會增值，值400，000美元。假設
您以400，000美元的價格出售，而所欠資產淨值就是200，
000美元（400，000美元-200，000美元=200，000美元）。
您的房屋淨價是為您家人的未來積累財富的寶貴工具。您
可以利用房屋經濟購買更大的房子，或者利用房屋淨值來
貸款已整修您的住宅。房屋淨值甚至可以為您的生意，為
您退休或子女教育提供資金。
買房的另一好處是屋主享有減稅優惠，您所支付的貸款利
息可用以抵稅。如果您使用固定利率貸款，您還有一個好
處，那就是在整個貸款期限內，每個月付款額不變。如果
您是租屋而住，加租對您來說是家常便飯，您會更容易體
會到房屋開銷固定的可貴了。
無論您是否相信，使用信用卡定期購物會有好處 （條件是
您每月付清餘額）。隨身攜帶大筆現金購物十分危險。現
金如果丟失或被盜，就無法追回，如果信用卡被竊或遺
失，大多數信用卡公司都會提供一定形式的保護措施。當
您使用信用卡購物時，如果您購買的物品有問題，作為購
物者，您可能或者某種形式的保障。另外，信用卡為您提
供的每月帳單，可以追踪過去一個月的消費記錄，這也是
一種控制管理家庭或小企業開支的有效方法。
祝賀客戶在Cantrell Place找到新家！
今天，我們非常興奮，因為其中10位客戶已經在Cantrell
Place與他們的新房簽訂了租約。一位居民告訴我們的房屋
顧問Wendy Lee，新公寓非常漂亮和寬敞。我們祝賀我們的
客戶通過PCDC的住房諮詢計畫獲得經濟適用房。他們的租
金很實惠，僅佔其收入的30％。
我們的房屋顧問Wendy Lee幫助23位客戶向Cantrell Place提交
了申請。大多數客戶都是在第一個申請早早開始排隊申
請，並被放在了申請列表的前列。 10位客人在PCDC的幫助
下完成了申請和審批流程，最後住進了新的公寓。
如果有人想學習如何找到經濟適用房，或在整個過程中需
要幫助，PCDC會提供租房，購房和房主諮
詢，還有教育講座。你可以致電PCDC辦公室
215-922-2156預約一對一諮詢，或者註冊我們
的教育講座。
7
分區和規劃
以下是華埠街區目前和即將開展的區劃事宜。在分區調整
委員會（ZBA）聽取之前，區域事務首先通過公共RCO會
議向社區提出。如果你對於區劃有寶貴意見，歡迎參加
RCO會議或ZBA聽證會。所有ZBA聽證會都在拱門街1515
號的One Parkway Building第18樓舉行。PCDC的規劃委員會
作為註冊社區組織（RCO）在每個月的第二個星期二下午6
點就第7至第13街，Filbert至Spring Garden Street的區劃舉行
會議。
下次會議將於1月8日舉行。接下來的三次會議將於以下日
期舉行：
3月12日
4月9日
5月14日
上次會議案件：
地址：禮士街911號
上訴＃：35575
許可證號碼：900684
預定聽證時間：2019年1月30日
計劃：完全拆除現有附屬建築物，並加建房屋，大小和位
置如平面圖/申請中所示。一樓和二樓用作餐廳，上層建築
用作多戶家庭居住（三十二（32）個單位），並且有十一
（11）個自行車停車処（位於一條可通達的通道）；此申
請不包括標牌。
RCO的意見：反對。申請人計劃修建的公寓樓超過了華埠的樓
高限制。該計劃還會使該區住戶過於密集。
下次會議案件：
目前沒有新的案例將在PCDC的公開會議上被討論。若有新
的案例被加進日程，PCDC會把信息公佈在Facebook官方主
頁上。
分區事項
鼎華居最新消息
鼎華居是一個新開發並正在建設中，由華埠發展會
贊助的北部地區的項目。從周圍的社區可以看出，
這是一個勤勉工作和自豪的社區軌蹟的象徵。鼎華
居是一個多用途開發項目，其中包括住宅，商業和
辦公區域，以及一個社區中心。該項目按計劃在
2019年秋季完工。
我們很高興的宣布新項目和業務發展經理，Anne
Montgomery。 歡迎加入PCDC的大家庭
分區和規劃
我們為何提出這個目標
城市中增長最快的兩個人口群體是移民社區和千禧世代的專業人士，在華埠和華埠北尤其如是。社會經濟差距很大，
高收入專業人士和低收入移民之間往往很少有溝通渠道或重合空間。這個社區也有多元的土地用途，有藝術家和創意
產業，也有餐館和製造業與居民共享空間。建立一個強大而公平的社區將促使這些不同的，有時相互衝突的利益聚集
在一起。 我們的目標是發展和加強社區網絡和領導力，以確保社區積極參與此社區計劃的實施。
我們將如何實現目標
建立有效社區參與和管理機制
PCDC 將確定合作夥伴並集思廣益提出概念，定期進行試點協作社區活動，這將吸引社區合作夥伴，居民和社區成
員。 我們將開展一些青年領導的社區項目，以加強青年領導和參與。
發展和放大社區的聲音
PCDC 將針對華埠社區成員和居民，圍繞可負擔住房進行教育活
動。我們將開展社區參與講座，使居民了解政策，並為他們提供影
響政策的技能。 此外，PCDC 將組織社區訪問市議會，以呈現社區
關切的問題。
你如何參與
- 參加協辦的社區活動。
- 參加社區參與講座和社區訪問市議會。
PCDC將在未來幾年帶頭領施唐人街社區計劃。有1300名社區
成員和利益相關者參與規劃過程。該計劃的設定了改善建成環境，
發展經濟機會和改善社區生活的具體目標和行動。在計劃實施過程
中，整個社區的廣泛參與將加強华阜作為一個重要的居民區，目的
地商業區，以及整個費城和大費城區域移民的鄉外之家。
感謝 Interface Studio, 指导委员会, 與社區合作夥伴們對此計劃的支持.
第6個目標 — 建立聯盟
6
5
見面
&
打招呼
青少年支持小組
青少年支持小組是青少年談論生活壓力並學習良好心理健康習慣的安全場所。 每星期三下午5:30 - 7:30, 901 Wood Street，Philadelphia，PA 19107
老師：UPenn精神病學家Jenny Yu，醫學博士，博士和費城亞洲心理健康先驅，Helen Luu，LCSW 5
PCDC 項目和服務
二 月青少年活動與機會
重要公告：
2月SAT練習會在2月26日上午9:00至下午1:30 於 901 Wood Street 舉辦。請通過[email protected]與 Rosaline 聯繫預
訂座位。
WorkReady Philadelphia費城準備就業
2019年夏季申請現已開放。WorkReady為年輕人提供職業相關的教育，旨在建立持久的人際關係，同時獲得21世紀進入
勞動力市場的關鍵技能。 WorkReady強調青年就業的重要性，為年輕人提供學習機會，帶給雇主新活力，創造力，熟悉
使用技術和對學習的渴求。 要申請，請訪問https://phila.workready.org/security/phila/login
工程學女孩日
Drexel工程學院有一個學習有關工程和STEM的絕佳機會。Drexel學生會來講解和展示。歡迎7-10年級的女孩參加這個免
費活動。 請填寫https://goo.gl/ckrPk9上的登記表格進行註冊。
請注意：與會者在活動期間必須由父母或監護人陪同。
日期：2月9日星期六
時間：上午10:00至下午2:00
地點： 3210Chestnut Street，Creese Student Center克里斯學生中心
Franklin Institute社區夜晚 – 2月25日
歡迎所有人來參加好玩的教育型科學項目，其中包括：Franklin Institute有名的展覽，特殊節目，以及動手活動。入場費
是免費的，也不需要提前登記報名。 1月28號下午五點準時開門。若想知道更多詳情：請登入 http://www.fi.edu
The Vegetarian Resource Group Scholarship
在自己的社區或學校裡提倡素食主義的美國高中生（必須是即將要畢業的高四學生）可申請
此獎學金。素食主義者不吃肉，魚，與雞禽類食物。僅限在2019年春季要畢業的高中生申請。
要求學生提供一篇作文以及近兩年的成績單。更多信息，請登入他們的網站。
截止日期：2019年2月20日
獎勵金額：5,000美元 （2個名額），1,000美元（一個名額）
申請: https://www.vrg.org/student/scholar.htm
青少年俱樂部每週行程。
所有課程與素材一概不收費，位置有限，先到先得！
SAT閱讀和寫作
每星期二下午4點至6點 901 Wood Street
老師: Phoebe Ho
運動之夜 -羽毛球
每週三
下午 3:30 - 5:30 Holy Redeemer Gym，915 Vine St
老師：Lamei Zhang和 Rosaline Yang
SAT 數學 星期一 下午四點-六點 901 Wood Street, 老師: Clara Zheng
免費SAT模擬考試
每月的最後一個週六，早上九點到下午一點三十分 901 Wood Street, Philadelphia, PA 19107 名額有限，請電郵Rosaline Yang 至 [email protected] 進行預約.
週五玩耍日
每週五，下午4:00 – 6:00
費城901 Wood Street
老師：Rosaline Yang
週五免費娛樂 星期五，下午4點至6點 901 Wood Street
老師：Rosaline Yang
4
NAC 項目和服務
基本系統維修項目
什麼是基本的系統修復項目?基本系統維修項目(BSRP)為費
城符合條件的自住房提供免費維修，以糾正電力、管道、
供暖、結構和屋頂緊急情況。
哪些類型的緊急情況是符合要求的?
你可以申請免費的主要係統維修，如果你家的問題包括:
危險的電氣情況，例如過熱或火花線或整個電路不能繼
續工作;
下水道漏水或破損；
供水管道漏水或破損;
水務署、費城氣體工程、PECO或Philadelphia L&I的違
規行為;
造成4平方英尺的屋頂漏水，或更大面積的天花板倒塌
(小型屋頂滲漏不屬緊急情況);
住宅外牆的結構維修（磚塊勾縫和粉刷不屬緊急情況
*注:所有危險狀況必須在經費限制內解決。
誰是符合條件的？
近3年未接受過BSRP服務
擁有並居住在有問題的獨戶住宅
在您的房產稅和水費賬單上，保持當前或在當前支付協
議下的狀態
符合收入準則
不擁有任何其他住宅物業 收入準則 收入是以家庭所有
成員的總收入來計算的。
對於大於8個人的家庭，每人添加約6480美元。 (收入指
引或會更改)
我要如何申請？
接受PHDC服务的第一步是填写意向表。你可下载
一份意向书表格，邮寄至:
PHDC, 1234 Market St., 17th Floor, Philadelphia, PA 19107 Attn: B. Abdullahi
週一至週四上午9點至下午4點，週五上午9點至中
午，致電215-448-2160與PHDC操作員通話
上午9點至下午4點，到PHDC位於1234 Market Street,
17th Floor辦公室，填寫一份意向書
你需要提供以下資料:
家庭年收入總額(稅前)
收入來源(就業、SSI、DPA等)
家庭成員數
在你的案子被受理之前，你需要提交你的緊急情況證
明。證明可以是:
• L & I的違規通知
• 來自水務部門的缺陷通知
• 加熱器“標籤”或來自PGW的缺陷通知
• 顯示屋頂洩漏對天花板造成的損壞的清晰照片
• 管道洩漏造成的地下室污水積聚的照片
關於如何提交違規行為的說明和照片將由熱線人員
提供給您
星期一至四9am – 4pm及星期五9am – 中午。请致电BSRP
热线215-448-2160。听力受损人士，请致电TDD 215-448-2184
更多信息請訪問：
http://www.phdchousing.org/home-repair/basic-systems-repair-program/
基本系統維修項目
家庭人數 最高家庭年收入
1 $18,210
2 $24,690
3 $31,170
4 $37,650
5 $44,130
6 $50,610
7 $57,090
8 $63,570
首次NAC服務區域簡報
一月十六日，PCDC 新的NAC辦公室在平安樓組織了首
次NAC服務區域簡報。超過30個社區成員參加了會議。
Elhadji Ndiaye，社區項目的協調主管和 Angela
Price, 社區項目的調解員, 參加了會議以表示對華人街
的支持。 PCDC邀請了來自費城稅務局的Vicki Riley
向社區介紹房產稅退稅項目，比如宅地稅減免和老人不
動產稅凍結。會議之後，中國城社區成員被告知了在他
們支付房產稅遇到困難時，可使用的城市資源。
在未來的八個月還將有三個NAC服務區域的簡報。敬請
期待更新。
NAC 項目和服務
New Neighborhood Advisory Committee (NAC) Office at PCDC
華埠是最近的一個NAC社區，我們已經與提供項目幫助房主和租戶改善住房條件的城市機構建立了聯繫。住房和社區
發展部的NAC小組正在為PCDC提供技術援助，讓您參與進來並幫助您。
社區諮詢委員會項目為以社區為基礎的非營利組織提供機會，引導和動員符合條件的社區居民參與支持城市核心目標
的活動，包括:
通過解決預防無家可歸、節能教育、住房保護、社區安全和健康等項目促進社區可持續發展;
利用轉介服務提供住房諮詢、勞動力發展和經濟機會;
培養青年導師和公民參與;
確保居民參與城市規劃和發展計劃
從左至右：Yue Wu (PCDC NAC 協調員), Iliyaas Muhammad (社區項目協調員),
Angela Price (社區項目協調員), Elhadji Ndiaye (社區項目協調單位主管), John Chin (PCDC執行理事) 3
給華埠一個商業改進區BID
什麽是商業改進區（BID）？ 商業改進區是一個特定的地理區劃，并被政府在法律上承認的行政機關。它能對業主收費，并用收
得款項投資于當地的設施服務以改善該區。區內所有業 主共同分擔該區的花銷。區內如何提供服務由商業改進區來決定。
商業改進區能提供什麽？ BID提供超出一般城市服務的一系列服務，並投資於其所在地區的長期經濟發展。
BID可以清潔街道美化社區。 BID可以僱用清潔人員打掃人行道上的垃圾和塗鴉。
BID可以改善公共安全。 BID可以僱用保安人員來減少和預防例如搶劫和盜竊的犯罪活動。
BID可以幫助小商戶蓬勃發展。 BID可以聘請業務專家來舉辦研討會和活動以幫助小商戶 ：
申訴地稅
培訓雇員
申請公共資源和資助，比如安全攝像機資助計劃和店面改進計劃
使用社交媒體進行宣傳
BID可以為社區做宣傳營銷。 BID可舉辦特別活動以突出區內的商業活動，例如由中心城區組織的中心城區餐館週。 BID還可以
為鼓勵人們訪問區内的商戶提供營銷材料（即小冊子，傳單，廣告活動等）
簡而言之，BID可以通過您決定的方式有效地改善社區！ 2
@PCDC_events @phillychinatown
PCDC成立於1966年是一個著眼與社會基層，非營利，為社區服務的組織。 我們的使命是維護華埠風貌，保護居民與商家利益，促進 華埠發展。
301-305 N. 9th St. , Philadelphia, PA 19107 p: 215-922-2156 f: 215-922-7232 www.chinatown-pcdc.org
二 月 2019
@chinatown-pcdc
Printed by Health Partners Plans
PCDC 新聞
中國新年晚宴 1
這期主要内容 :
PCDC 新聞
項目和服務
華埠大道
鄰 里 計 劃 : 目 標 6 6
分 區 事 項 6
鼎華居最新消息 6
社區新聞
中國新年活動 2
華埠競標 2
區劃和規劃
社交媒體營銷講座 10
立體卡片講座 10
招聘啟事 10
PCDC住房和家庭服務 10
費城華埠發展會是一個501(c)(3)非
營利，為社區服務的組織。我們的
使命是維護華埠風貌，保護居民與
商家利益，促進華埠發展。我們需
要你的支持，捐款以下.
二月青少年活動 5
賓州地稅/租金退稅 8
PCDC 客戶入駐 8
為何獲得退稅 8
VITA 計劃 9
良好信用的重要性＃ 5 9
費城華埠發展會(PCDC)將在2月22,星期五下午五點半舉辦農曆新年籌款慶祝宴會。作
為非營利機構，我們需要廣大的支持者的慷慨幫助以達到保存華埠風貌，維護華埠居
民權益和促進華埠發展的使命。從宴會上籌集的資金對我們的工作尤為重要，因為這
些援助將給我們在履行使命工作和提出新的倡議舉措時提供更多的靈活性。
如需註冊，請訪問: https://conta.cc/2Scrtlm. 如欲瞭解贊助和門票的信息,請致電215-922-
1
首次 NAC 服務區簡報 3
PCDC 的新 NAC 辦公室 3
基本系統維修計劃 4
NAC
