There's a growing divide between those who can access services digitally – like education, work and health care -- and those who can't. The issue is top-of-the-mind for housing practitioners, who often work with the very individuals that the divide is hurting the most. Some NeighborWorks network organizations are already working on solutions, such as setting up hotspots and working WiFi into their future projects. 

When people seek to improve their finances, credit is one of the top three concerns people have, believes Sarah Chenven, chief operating and strategy officer for Credit Builders Alliance (CBA).

Jamill Martinez, director of network organizing at Lawrence CommunityWorks, Inc., a NeighborWorks organization in Lawrence, Massachusetts, has spent her recent afternoons visiting bodegas. That's where many residents in her community who rent single rooms in homes or apartments go to eat hot meals of empanadas, sub sandwiches, plantains and more. So that's where Martinez and her coworkers have gone to talk about the dangers of scams.