Legislation introduced in Massachusetts aims to reduce the racial wealth gap by creating a statewide "Baby Bonds" program.

It is a publicly-funded, pooled trust fund for newborn children in low-income households without inherited wealth or opportunities to build it.

Deb Goldberg, state treasurer, said the child can access the funds once they turn 18 to help them go to college, start a business or even buy a home.

"They are a way to level the playing field and give every child a chance to achieve their full potential," Goldberg explained.

A 2015 Federal Reserve study found in the greater Boston area alone, the median net worth for white households was nearly $250,000, and for Black households, it was just $8.

Advocates for low-income families say "baby bonds" are part of a holistic approach needed to help eliminate the racial wealth divide.

Joe Diamond, executive director of the Massachusetts Association for Community Action, a coalition of more than 20 community action agencies in the Commonwealth, said expanded tax credits, a higher minimum wage, and financial literacy courses in schools can all help address the structural challenges of poverty.

"What the 'baby bonds' program does is, it sort of expands the effect of those public policies and helps eligible low-income children and their families really begin to plan for a hopeful future," Diamond emphasized.

Studies show improving families' economic stability is also good for the economy.

The Massachusetts Taxpayers Association finds the gross state product would increase by roughly $25 billion over five years if the state eliminated the racial gaps in wages, housing and investments. Similar "baby bond" programs are already in place in Connecticut, California and Washington, D.C.

La Niña is bringing a cooler, wetter winter to Oregon and likely driving up heating bills as systems work harder.

This is the third year of major price hikes for Pacific Power and Pacific Gas and Electric, with rates up by 40% from four years ago.

One report found nearly half of Americans struggle to pay their utility bills and last winter, a January ice storm and rate hikes saw power shut off for a record number of Oregon households due to lack of payment.

Jami Seymore, home energy expert for the Energy Trust of Oregon, said this winter, one way to save on energy bills is to lower the thermostat at night.

"Every degree you drop that thermostat, you can save about 3% on your energy bill," Seymore pointed out.

Seymore recommended setting the thermostat to around 67 degrees during the day and about 59 at night. If you have a heat pump, do not change the temperature more than a few degrees either way for maximum efficiency.

The most helpful way to save money is to keep the heat inside by insulating walls, attics and floors. Seymore noted filling in gaps around the home like door frames, windows and mail slots can save up to 20% on heating costs. She added Energy Trust of Oregon can help cut the costs of projects.

"Energy Trust offers higher incentives for people with lower to moderate incomes to be able to make some of those changes a little more affordable," Seymore emphasized.

One source of energy loss people may overlook is the air filter. Seymore recommends changing it about every three months, or every time the season changes.

"A dirty air filter, that actually slows all that airflow coming in," Seymore observed. "It's going to waste energy and it's going to cost you more money."

If you need help with utility bills, Seymour advised checking with your utility provider first, as most have assistance programs and payment plans. You can also apply for Home Electrification and Appliance Rebates, which offer assistance for installing high-efficiency electric appliances, along with insulation and air sealing measures.


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Temperatures are dropping in the Commonwealth and community action agencies said help is available for those struggling to pay their heating bills.

The federal Home Energy Assistance Program helps households making less than 60% of the state median income, which for a family of four is just under $95,000.

Liz Berube, executive director of the community action agency Citizens for Citizens, serving the Fall River and Taunton area, called the eligibility requirements very generous.

"These are clearly for people who work, or you were working and you're laid off, you're on worker's comp, people who slip through the cracks," Berube outlined. "This could be the program for you."

Berube pointed out the website HeatingHelpMA.org has information on heating and other energy savings programs, as well as a link to an online application portal.

The Department of Public Utilities recently approved natural gas rate hikes for National Grid and Eversource customers. Monthly bills could increase from 11% to 30%.

Sen. Joan Lovely, D-Salem, said she is already hearing from her constituents in the Second Essex District, wondering how they will make it through the winter.

"Every single day, the biggest call to our office is housing insecurity and how am I going to heat my home," Lovely reported. "How am I going to be able to stay in my home?"

Lovely is grateful for the federal, state and local partnerships making the heating aid program possible.

Joe Diamond, executive director of the Massachusetts Association for Community Action, a coalition of more than twenty community action agencies helping families apply for needed services, said keeping people warm is about more than lowering energy bills.

"It is a health program. It's a safety program. It's a housing preservation program," Diamond explained. "It is also a program that allows people to access other programs."

Diamond noted if households qualify for heating help, they automatically qualify for weatherization programs, which can include new insulation, appliances or heating systems. Public safety officials stressed the programs save both money and lives. They emphasized well-maintained heating equipment is much less likely to cause fire or carbon monoxide poisoning.


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The Save the Children Action Network is asking Iowans to support candidates in the upcoming election who invest time and political muscle in solving children's issues.

Paige Chickering, Iowa state manager for the Save the Children Action Network, is reminding voters about the importance of early education, high-quality affordable child care and school meals for kids. She noted a growing percentage of them are hungry and their families rely on some form of government help.

"In Iowa specifically, USDA data show that about 40% of SNAP beneficiaries -- and that's the Supplemental Nutrition Assistance Program -- are children," Chickering explained. "About one in six children, 15.4%, face hunger in Iowa, according to a Feeding America study."

Chickering pointed out the Save the Children Action Network has endorsed a slate of bipartisan candidates in statewide races who have adopted strong positions on children's issues, including taking on hunger in Iowa.

Chickering highlighted a Ready Nation study shows the critical shortage of child care options in Iowa is costing the state at least $1.2 billion in parents' lost wages and productivity every year. She added helping kids should not be up for debate.

"The issue of prioritizing children in Iowa is a really, truly bipartisan issue," Chickering asserted. "It's been really clear from all the people that we've worked with, our volunteers, everyone we've spoken with, that this is something that everyone is prioritizing."

The action network is also calling on Iowa politicians to approve the summer "Sun Bucks" program in 2025, which would make food available to lower-income families when kids are out of school for the summer. Iowa opted out of the program this year.