July 3, 2026 - San Francisco Post

Housing Authority of the City of High Point Expands Affordable Housing Access While Building Stronger Communities

San Francisco Post Staff on July 3, 2026

The Housing Authority of the City of High Point is doing more than helping families find affordable housing. The organization is helping participants build stable, independent lives in High Point, North Carolina.

For decades, the Housing Authority of the City of High Point, also known as HPHA, has worked to provide safe housing, financial education, and community support programs for local families, seniors, and individuals with disabilities. Today, the organization continues to grow its impact through housing programs, participant services, and community partnerships.

What Is the Housing Authority of the City of High Point?

The Housing Authority of the City of High Point is a public housing agency focused on affordable housing and participant empowerment in High Point, North Carolina.

Its mission is simple: help people access safe and affordable housing while giving them tools to become more self-sufficient.

HPHA serves the community through several major programs, including:

• Public Housing

• Section 8 Housing Choice Vouchers

• Homeownership support

• Housing Counseling

• Participant Education Programs

• Services for seniors and disabled participants

• Permanent Supportive Housing for the chronically homeless

The organization also works closely with local leaders, landlords, and community groups to improve housing opportunities across the city.

HPHA Focuses on More Than Housing

Affordable housing is only one part of the work HPHA does.

The organization also helps participants improve their financial stability and long-term quality of life.

Programs offered by HPHA include:

Public Housing & Section 8 Family Self-Sufficiency Program

This program helps families work toward economic independence.

Participants can receive support with:

• Employment goals

• Financial planning

• Education opportunities

• Career development

The goal is to help families move toward long-term stability and greater independence.

Section 8 Homeownership Program

HPHA helps eligible families transition from government housing to renting on the private market or owning a home.

This program supports Section 8 participants who want to create long-term housing security and stability for their families.

Housing Counseling and Financial Education

Many families need guidance before purchasing a home or improving their financial health.

HPHA provides counseling services that help participants understand:

• Budgeting

• Credit improvement

• Mortgage preparation

• Homeownership responsibilities

• Financial literacy

These services help participants make informed financial decisions.

Community and Supportive Services

HPHA provides programs for elderly and disabled participants.

These services focus on:

• Community engagement

• Educational opportunities

• Enrichment activities

• Supportive resources

The organization aims to create stronger communities, not just housing developments.

How HPHA Responded During the Housing Crisis

Like many housing agencies across the country, HPHA faced major challenges during and after the COVID-19 pandemic.

The affordable housing market became increasingly difficult for voucher holders.

Some of the biggest problems included:

• Rising rental prices

• Limited affordable housing inventory

• Landlords leaving the Section 8 program

• Long waiting lists for affordable housing

Even with those challenges, HPHA continued expanding support for local families.

Over 400 Section 8 Vouchers Issued

HPHA issued more than 400 Section 8 vouchers to families searching for housing. Many struggled to find units within affordable price ranges.

Instead of slowing down services, HPHA adjusted its strategy.

The organization:

• Continued issuing vouchers

• Worked with outside housing agencies

• Reached out to local landlords

• Requested HUD waivers for additional housing search time

• Expanded landlord participation efforts

These steps helped more families stay connected to housing opportunities during a difficult market.

HPHA Added Hundreds of Housing Units Through Landlord Partnerships

One of HPHA’s biggest recent successes came through its Section 8 Landlord Incentive Program.

The Housing Authority received a $40,000 grant from the City of High Point to help strengthen landlord participation. Combined with HPHA funding, the program produced major results:

• 176 new landlords joined the program

• 550 housing units were added

That expansion created more housing opportunities for voucher holders across the area.

Why Communication Matters at HPHA

HPHA places a strong focus on communication during times of uncertainty.

The organization believes clear communication helps:

• Reduce misinformation

• Build public trust

• Guide participants through challenges

• Keep staff and partners aligned

HPHA leadership also meets directly with resident groups through an Executive Roundtable. Resident Council members regularly meet with the CEO to discuss concerns and community needs.

That approach helps the organization stay connected to the people it serves.

Photo Courtesy: Angela Jimenez / Housing Authority of the City of High Point

How HPHA Builds Community Resilience

Housing challenges can affect every part of a person’s life.

HPHA supports participants and staff by focusing on:

• Trust

• Open communication

• Community partnerships

• Education

• Long-term planning

The organization also studies housing trends, monitors community needs, and works with local partners to prepare for future challenges.

According to HPHA leadership, proactive planning plays a major role in maintaining stable services during difficult periods.

HPHA Continues Expanding Its Impact in High Point

The Housing Authority of the City of High Point continues evolving as housing needs change across North Carolina.

Its work goes beyond providing apartments or vouchers. The organization helps families pursue financial stability, education, and homeownership opportunities that can create lasting change.

For citizens searching for affordable housing programs in High Point, HPHA remains an established community resource.

You can learn more about programs, services, and housing opportunities by visiting the official HPHA website or following HPHA on Facebook and Instagram.

How Seasonal Businesses Can Stop Dreading the Off-Season With the Right Financing

San Francisco Post Staff on July 3, 2026

The off-season is not the problem. The off-season is predictable, scheduled, and survivable with the right financial structure in place. The real problem is the combination of predictable seasonal revenue drops and reactive, unplanned responses to them.

Every seasonal business owner has a version of the same conversation with themselves every year. The season ends. Revenue drops as expected. The fixed expenses continue as expected. And the business owner who knows exactly what is coming in October because it happened in October last year and the October before that finds themselves managing a cash flow gap as if it were a surprise. The pattern repeats because the preparation does not happen, not because the pattern is unpredictable.

The financial solution for seasonal business cash flow is not complicated. It involves two components that together cost very little during the peak season and provide complete protection during the off-season. A dedicated seasonal cash reserve, funded by a fixed percentage of peak season revenue, covers the first phase of the off-season at zero interest cost. A pre-established revolving credit facility, applied for during peak season when the business’s bank account is at its strongest, covers any gap the reserve cannot absorb at the most favorable available rate. Together they make the off-season a planned, managed financial event rather than an annual emergency.

Why Most Seasonal Businesses Get This Wrong

The peak season is busy. Revenue is strong, operations are demanding, and the off-season that is coming feels distant relative to the immediate pressures of managing peak demand. The two actions that most protect the business during the off-season, building the reserve and establishing the credit facility, are both most effective when taken during peak season, which is exactly when they receive the least attention because the peak season has not yet created any urgency.

This attention mismatch, the urgency is highest in the off-season when the solution is most expensive and least available, is the fundamental structural problem of seasonal business financing. The solution is equally structural: creating a calendar trigger that initiates the reserve-building and credit facility application process at a specific point in the peak season, before any urgency has developed, every year without exception. Making preparation automatic rather than attention-dependent removes the behavioral obstacle that causes the annual repetition of the same manageable problem.

STEP 1 Calculate the Exact Off-Season Cash Gap From Last Year’s Data

Pull last year’s bank statements for each month of the off-season and calculate the gap between actual monthly revenue and actual monthly fixed expenses in each month. Sum these monthly gaps for the full off-season duration. This total is the financing target. Not an estimate, not a round number, but the specific dollar amount that last year’s off-season required to bridge from available revenue to total fixed obligations. Use this as the target for both reserve building and credit facility sizing.

STEP 2 Set Up Automatic Reserve Transfers on the First Day of Peak Season

Divide the calculated off-season financing target by the number of weeks in the peak season to determine the weekly transfer amount that builds the full reserve by peak season end. Set up an automatic weekly transfer from the operating account to a dedicated reserve account on the first day of peak season. This automation removes the weekly decision and ensures reserve building happens regardless of how busy the season becomes. A reserve that builds to its target by peak season end covers the first phase of the off-season at zero cost.

fundivi’s working capital products are specifically appropriate for the seasonal financing gap that exceeds what a peak-season reserve can cover, and its same day funding capability means seasonal businesses can access capital the moment a gap materializes rather than waiting days for a financing process to complete. Recognized among the 2027 best rated same day small business loans online by Business Loans IQ and the top ranked lender for approval flexibility in Business ABC’s independent review, fundivi evaluates seasonal businesses on their full twelve-month revenue cycle rather than only recent months, which produces more accurate and more favorable qualification assessments for seasonal applicants. Business owners ready to establish their seasonal financing infrastructure can explore the fundivi working capital options designed for exactly this type of recurring cash flow management need.

STEP 3 Apply for the Revolving Credit Facility in Peak Season Week Six

Six weeks into the peak season, the business bank account reflects the strongest possible picture of current performance, and the off-season is far enough in the future that the application is clearly proactive rather than reactive. This is the optimal moment to apply for the revolving credit facility that will complement the reserve during the off-season. An application at this moment produces the highest available limit and the most favorable rate, because the lender evaluates the business at the peak of its annual performance.

STEP 4 Create a Written Off-Season Financial Plan at the Start of Every Year

A written plan for the off-season, including the reserve amount, the credit facility available, the specific month in which each resource will be activated, and the specific month in which the business expects revenue to recover, converts an abstract anxiety about the off-season into a specific, executable plan. The plan does not need to be elaborate. It needs to be specific, written, and reviewed with the business’s accountant before peak season begins, not after it ends.

The Lender Perspective on Seasonal Business Applications

Seasonal businesses that apply for credit during their off-season frequently receive smaller approvals at higher rates than identical businesses that apply during their peak because the lender evaluates the most recent bank account performance. A business applying in November after a summer peak has three months of declining deposits in its most recent statements. The same business applying in July has three months of peak deposits. The difference in qualification outcome can be dramatic even though the business is the same. Business Loans IQ’s working capital loan comparison covers the specific lenders most experienced in evaluating seasonal revenue businesses fairly. And for the independent external view on which lenders handle seasonal business applications best, the Business ABC 2026 best funding options review specifically assessed lender performance with seasonal revenue applicants.

FREQUENTLY ASKED QUESTIONS

What types of businesses are considered seasonal for lending purposes?

Businesses are considered seasonal when their revenue varies by more than thirty to forty percent between their peak and off-peak periods. Landscaping, construction, tourism, retail with significant holiday concentration, agricultural businesses, summer camps, and ski resorts are common examples. Many businesses have seasonal elements without being purely seasonal. Even businesses with moderate seasonality benefit from the reserve and revolving credit strategy described here when the peak-to-off-peak variation is significant enough to strain cash flow.

Can I get a business loan during my off-season?

Yes, but typically on less favorable terms than during peak season. Lenders evaluating off-season applications see recent bank statements reflecting lower revenue, which produces lower approved amounts and higher rates than the same business would receive during peak season. The strategic response is establishing the financing infrastructure during peak season rather than seeking it during the off-season when the cost is higher and the qualification is weaker.

How large should my seasonal cash reserve be?

The seasonal cash reserve should be sized to cover the first two months of the off-season gap, with the revolving credit facility covering any additional gap beyond that. Two months of reserve coverage at zero interest cost provides the buffer period needed to confirm that the season has actually ended before drawing on the credit facility, and it gives the business time to adjust any variable costs downward before the credit facility is needed.

Does seasonal revenue make it harder to get a business loan year-round?

Seasonal revenue patterns make year-round lending more complex but not more difficult when the lender applies full twelve-month evaluation. Lenders that see the full annual revenue cycle, including both peak and off-peak periods, understand that the off-season low is a predictable, temporary pattern rather than a permanent revenue problem. Providing twelve months of bank statements for any seasonal business application helps lenders reach an accurate assessment rather than a conservative one based on only recent off-season deposits.

Should I keep a business line of credit open year-round or only during the off-season?

Keeping the revolving line open and available year-round, regardless of whether it is being drawn, is the correct approach. A line that is closed and then reopened each year requires a new application each time, which means applying during the off-season when the qualification is weakest. A continuously maintained line with zero utilization during peak season is free to hold and immediately available when the off-season creates the need.

Bay Area Businesses See Tourism Boost During FIFA World Cup

San Francisco Staff 2 on July 3, 2026

Businesses across the Bay Area are reporting stronger customer activity as Bay Area World Cup tourism brings visitors to hotels, restaurants, shops, and attractions during FIFA World Cup matches hosted in the region. The influx of travelers is generating additional spending for hospitality and retail businesses while regional tourism organizations point to broader economic benefits tied to the international tournament.

Key Takeaways

FIFA World Cup visitors have increased customer activity across the Bay Area.
Hotels, restaurants, retailers, and tourism-related businesses are benefiting from higher visitor spending.
Regional tourism officials expect the tournament to deliver a meaningful economic boost.
Visitors from the United States and abroad are contributing to local commerce during match days.
Local leaders see major international sporting events as opportunities to attract future tourism.

Bay Area businesses experienced an increase in customer traffic as FIFA World Cup visitors arrived for matches hosted across the region. Hotels welcomed travelers, restaurants served larger numbers of guests, and attractions reported greater visitor activity as fans extended their stays before and after scheduled matches.

The tournament has drawn domestic and international visitors, many of whom are spending time in San Francisco and neighboring communities while attending games. That activity has translated into additional demand for accommodations, dining, transportation, entertainment, and retail purchases.

Businesses serving visitors have adjusted operations to accommodate larger crowds during match days and surrounding events. Restaurants have expanded staffing where needed, while hotels have prepared for higher occupancy levels during peak travel periods associated with the tournament schedule.

Tourism organizations have also coordinated with local partners to provide visitor information, transportation guidance, and recommendations for attractions throughout the region. Those efforts are intended to help visitors move throughout the Bay Area while supporting local businesses.

Although match venues remain the primary destination for many travelers, nearby commercial districts have also benefited from increased pedestrian traffic generated by tournament-related tourism. Similar efforts to encourage neighborhood commerce can also be seen in entertainment zones boosting restaurant business across San Francisco.

How Are Local Businesses Benefiting From More Visitors?

Hotels are among the businesses experiencing the most immediate impact from World Cup travel. Visitors attending matches often reserve accommodations for multiple nights, allowing guests to explore San Francisco and other Bay Area destinations beyond the sporting events themselves.

Hotel Occupancy and Visitor Spending

Hotel operators have welcomed additional bookings tied to tournament schedules, particularly during weekends and match days. Increased occupancy also generates spending on hotel dining, meeting spaces, parking, and other guest services.

Restaurants have also reported stronger customer volumes as visitors seek local dining experiences throughout their stay. Cafés, neighborhood eateries, and waterfront establishments have attracted guests before and after matches, contributing to higher customer activity across various parts of the region.

Restaurant and Retail Activity

Retail businesses located near visitor destinations have benefited from increased foot traffic generated by tournament attendees. Souvenir shops, convenience stores, apparel retailers, and specialty merchants have welcomed customers looking for local products and travel necessities.

Transportation providers have likewise experienced increased demand as visitors travel between airports, hotels, stadiums, restaurants, and tourist attractions. Public transit systems, ride-hailing services, and other transportation options have played important roles in moving visitors throughout the Bay Area.

Museums, waterfront destinations, parks, and entertainment venues have also attracted travelers extending their visits beyond match attendance. Many visitors combine sporting events with sightseeing, allowing tourism spending to reach businesses across multiple sectors.

Which Industries Are Seeing the Greatest Economic Impact?

Hospitality remains one of the sectors receiving the most direct benefit from tournament-related tourism. Hotels, restaurants, and visitor services are positioned to experience increased customer activity whenever large international events bring travelers to the region.

Retail businesses are also benefiting from additional spending by visitors purchasing clothing, gifts, food, and everyday travel items. Shopping districts in San Francisco and neighboring communities have welcomed customers exploring the region between scheduled matches.

Transportation companies have experienced increased passenger demand linked to airport arrivals, hotel transfers, and travel between venues and local attractions. Airports serving the Bay Area have accommodated additional travelers connected to tournament schedules.

Entertainment businesses have also welcomed visitors seeking activities beyond soccer matches. Live performances, museums, waterfront attractions, and cultural destinations provide additional opportunities for travelers during their stay.

Small businesses can also benefit from increased visitor spending. Independent restaurants, cafés, specialty retailers, and neighborhood businesses often experience higher customer volumes when tourism expands beyond traditional visitor districts.

Regional Tourism and Economic Planning

Regional tourism organizations have stated that major international sporting events can generate economic activity extending beyond ticket sales. Visitor spending supports businesses across multiple industries while introducing travelers to destinations they may choose to visit again.

Business organizations and tourism agencies have also promoted local attractions throughout the tournament, encouraging visitors to experience neighborhoods, cultural institutions, and commercial districts across the Bay Area.

Why Is Bay Area World Cup Tourism Important for the Region?

Bay Area World Cup tourism provides an opportunity for local businesses to serve visitors arriving from different parts of the United States and around the world. International sporting events often encourage longer stays as travelers combine match attendance with leisure activities throughout the host region.

For hospitality businesses, the tournament creates additional opportunities to attract overnight guests and increase occupancy during scheduled match periods. Restaurants and entertainment venues similarly benefit when visitors spend additional time exploring local neighborhoods.

Tourism officials also view international events as opportunities to introduce new audiences to Bay Area destinations. Visitors who experience local attractions, dining, and cultural institutions may choose to return for future leisure or business travel.

The event also demonstrates the region’s ability to host large-scale international gatherings involving transportation coordination, hospitality services, and visitor support across multiple communities. Businesses rooted in neighborhood history continue to play an important role in welcoming travelers, as seen in Mission District landmark businesses that remain popular destinations for residents and visitors alike.

Community organizations and business groups have participated in welcoming visitors through local activities and information services designed to improve the visitor experience while supporting economic activity throughout the tournament period.

Frequently Asked Questions

How is the FIFA World Cup affecting Bay Area businesses?

FIFA World Cup visitors are increasing customer activity for hotels, restaurants, retailers, transportation providers, and tourism-related businesses across the Bay Area.

Which industries are benefiting most from World Cup visitors?

Hospitality, restaurants, retail, transportation, and visitor attractions are among the industries experiencing higher customer demand during the tournament.

Why is the Bay Area hosting FIFA World Cup events?

The Bay Area is serving as one of the host regions for FIFA World Cup matches, bringing domestic and international visitors to communities throughout the area.

Day: July 3, 2026