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Housing Works is a nonprofit working with HIV/AIDS patients in New York City Diana Scholl is riding a bull in a bear economy. Scholl, an officer for Housing Works — a New York City nonprofit that helps provide housing for uninsured HIV/AIDS patients — has seen her organization’s income...

Andrew, a graphic designer from Brooklyn, recently had a few thousands dollars put into his mouth. Two root canals, six fillings and two crowns at  his last dental visit, Andrew, who did not want to give his last name, is in the hole to the tune of over $8,000 in dental bills. “I’m still waiting...