Blog Archive

Wednesday, July 11, 2018

Economic Wellbeing: Safe Neighborhood Surveillance

Economic Wellbeing
     The solution to poverty is to take the attributes of successful neighborhoods and implant them into challenged neighborhoods.   The one major factor which enables economic wellbeing is a safe neighborhood.
     The safest neighborhood in America according to Neighborhood Scout is Ridgefield, Connecticut.  If 100 is the safest then Ridgefield has a crime index of 97. Annually the city has one violent crime and 65 crimes against poverty.  The place with the highest crime rate is Andover, Massachusetts with a crime index of 65 out of 100. Andover had 8 violent crimes and 343 crimes against property. Violent crime is defined as murder and non-negligent manslaughter, forcible rape, robbery, and aggravated assault. The US average is 41.4.
  
      Taking a look at a city such as Baltimore, Maryland the crime index is 3 out of 100 with violent crimes at 8,499 and property crime rated at 29, 933. In this solution initiative, Brimingwith is treating neighborhoods in major cities as small towns.  Taking a look at the Sandtown neighborhood zipcodes are used to determine the crime rate where low crime on a scale of 100 is one.  Sandtown is on a high of 98.  Property Crime is 93.2.



Places with high crime ratings can lower their crime by becoming e-villages.

 E-villages install hidden and heavy surveillance with signs 
Extensive Surveillance notification 
3      Property and personal alarm systems
4      Neighborhood safety officer(s)






With the United Kingdom as one the biggest proponents of closed circuit televisions, installing CCTV is no longer an option, but a necessity for neighborhoods with high crime rating.  
A number of studies show e-surveillance with a defined length of duration reduces crime.

Education: Legislation


    
Below Brimingwith provides a sample of legislation which can be sent to state and US congress persons to enact. This legislation would enable a national education program providing equality quality education.





Committee:










Principal Author: Brimingwith.org
Bill No:
Delegation:


Title of Bill: United States of America National High School Diploma


Be It Enacted By The ____________________________________


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35.
WHEREAS: Technology can improve the quality of education and avenues of access to education and expansion of education. The US Department of Education can provide online education pre-k thru 12th grade which upon completion will present a National High School Graduation Diploma.
 Among the 34 OECD Organization for Economic Co-operation and Development 
of the 65 countries and 510,000 students 15 years of age US ranks Number 35  in Math,  23 in Reading and 27 in Science on the  ( PISA)   Program for international Student Assessment  ( PISA)  test.
More than 1200 schools in the US are unaccredited.
Annually over 1.2 million students drop out of high school in the United States  That’s a student every 26 seconds – or 7,000 a day.
An estimated 5 million to 7.5 million U.S. students miss nearly a month of school each year. Chronic absenteeism signals poor performance and  for student dropping out of school.
Localities often experience a fifty percent teacher turnover in five years. Turnover impacts student performance.
The U.S. Department of Education estimates that over 100,000 students were expelled and 3,300,000 students were suspended at least once in the 2005-2006 school year.
In the U.S. high school dropouts commit 75% of all crimes.
One quarter (25%) of all high school students do not complete high school on time. Economic instability and lack of education lead to poverty and social inequality.
 In 2012 according to the US Census Bureau state and local governments spent $869.2 billion. The disparity in state and local education budget is reflected in the inequality or quality of education which is based on the ability of the locality to raise taxes. 
The available of technology enables the US Department of Education to provide a National High School diploma via local origination stations, via online channels, via DVD, via learning on demand. Teachers, students and parents and have access to uniform, quality education.  Access to education can be 7/24/365 geared toward careers and eliminates any dropout issues as the student can remain electronically linked  in multiple ways to education resources until a diploma is achieved.
Students may accelerate and move on to higher education as early at the ninth or tenth grade. Students who are expelled or suspended may continue their education curtailing related failure to return due to falling behind their grade and dropping out.
WHEREAS:  Due to severe budget cuts states require government assistance and support to ensure the equality quality of education for all students in school and after school. The US National School focuses on career preparation, practicums, simulations and portfolio building
Section I: Online pre-school can enable uniform, equality quality education for two year olds to six year olds. Pre-School basic math, vocabulary, reading, science, social science, fit (physical and mental health), global studies, languages (English, French, Spanish),  career information, simulations, practicum for each modular, portfolio (evidence loaded online) , pre-assessments, assessments, post assessments online.
Section II:  1st – 3rd grade  career information, science, technology, engineering and math, global studies,  languages,  career information, simulations, practicum for each modular, portfolio, pre-assessments, assessments, post assessments, student selects 3 career paths.
Section II: 4th – 6th grade- career information, science, technology, engineering and math, global studies,  languages, social science, career information, simulations and practicum for each modular, portfolio (evidence loaded online).
Section III: 7th-8th grade career information, science, technology, engineering and math, global studies, languages, social science career information, simulations and practicum for each modular, portfolio expansion (evidence loaded online).
Section IV: 9th – 12th grade career information, science, technology, engineering and math, global studies,  languages, social science, career studies, simulations, projects and practicum for each modular, portfolio expansion (evidence loaded online)
Section IV: Students may receive a diploma upon approval of completed test, projects and practicum. Online graduations are enabled.



Economic Wellbeing: Higher Income Fortune 500 Companies

   Americas Fortune 500 employ 27 million people.  When you are looking for higher income be sure to include these companies in your job search.  Using the list below go their website, find their career or human resources section then more than likely you will be required to fill out an online employment application.  Have a application already completed and then you can copy and paste your information into their application.


Median weekly earnings of the nation's 109.9 million full-time wage and salary
workers were
$825 in the fourth quarter of 2015 (not seasonally adjusted), the U.S.
Bureau of Labor Statistics reported today. This was 3.3 percent higher than a year
earlier, compared with a gain of 0.5 percent in the Consumer Price Index for All
Urban Consumers (CPI-U) over the same period.
Source: Bureau of Labor Statistics



"The per capita income for the overall population in 2008 was $26,964; for non-Hispanic Whites, it was $31,313; for Blacks, it was $18,406; for Asians, it was $30,292; and for Hispanics, it was $15,674."


Median household income was
$53,657 in 2014, ot statistically different in real terms from the 2013 median of $54,462 (Figure 1 and Table 1). This is the third consecutive year that the annual change was not statistically significant, following two consecutive years of annual declines in median household income.
Source U.S. Census Bureau

Housing Foreclosures


     Brimingwith research notes the US Housing markets repeats a cycle that first became noticeable in the 1990s.  The Resolution Trust Corporation (RTC) was a U.S. government-owned entity  established to liquidate insolvent Savings and Loans (S &Ls) caused by bad and sometimes fraudulent mortgage loans.  There are very few remaining S & Ls today.
http://www.marketplacelists.com/mutual_savings_banks.htm

     During a period from 1989-1996  interest rates at which S & Ls could borrow increased.  The S&Ls could not attract adequate capital from such sources as member deposits. They became insolvent. Rather than admit to insolvency, lax regulatory oversight allowed some S&Ls to invest in highly speculative investment strategies. This had the effect of extending the period where S&Ls were likely technically insolvent.  Fraud in the industry was rampant. Illegal land flips and other criminal activity ruled the day.  

     From the period from 1986-1995,more than half of the nation's Savings and Loans with total assets of more than $500 billion, had failed. By 1999, the crisis cost $160 billion, with taxpayers footing the bill for $132 billion with the S&L industry paying the rest.
This crisis accounted for a large part of the early 1990s budget deficits.  With our current economic crisis and having 26,000,000 Americans unemployed or underemployed, we repeated essentially what happened in the 80’s and 90’s. 

     In the current crisis fraud was unprecedented with sellers, buyers, and financial institutions inflating the price of properties, using straw buyers to purchase properties where they have no intention of making their residence and “no income, no assets” loans and sell of deficient subprime mortgage backed securities nearly wiping out an entire generation of pension plans.
    Although, the housing situation has improved with government bailouts and foreclosure prevention programs for homeowners. According to a HUD In all, more than 10.1 million mortgage modifications and other forms of mortgage assistance arrangements were completed between April 2009 and the end of November 2015.


      More than 2.5 million homeowner assistance actions have taken place through the Making Home Affordable Program, including nearly 1.6 million permanent modifications through the Home Affordable Modification Program (HAMP), while the Federal Housing Administration (FHA) has offered more than 3.0 million loss mitigation and early delinquency interventions through November. These Administration programs continue to encourage improved standards and processes in the industry, with lenders offering families and individuals more than 4.6 million proprietary modifications through October 2015.

     Now, not only are cities saddled with abandoned property as population diminished particularly in rust belt areas but they are now riddled in every zipcode with foreclosures.  



Codes requiring security and maintenance of properties




Higher Income - Cities with Lowest Income Research

Higher Income – Cities with lowest Income Research



Rank
Place
State
Popul.
2008-2012 Annual
Median Household Income
1

http://www.areavibes.com/blackwater-az/demographics/
AZ
1,062
$9,491
2

http://www.areavibes.com/muniz-tx/demographics/
TX
1,106
$11,711
3




KY
1,307
$12,361
4
University Park[Note 1]
NM
4,192
$12,788
5
MS
2,096
$12,806
6
TN
1,959
$13,060
7
NC
2,039
$13,505
8
LA
1,056
$13,693
9
LA
1,163
$13,711
10
TN
1,387
$13,719
11
TX
1,605
$13,750
12
LA
1,041
$14,328
13
LA
1,017
$14,479
14
GA
1,035
$14,583
15
LA
3,511
$14,662
16
KY
2,394
$14,916
17
GA
1,845
$15,186
18
AZ
1,713
$15,208
19
GA
1,328
$15,363
20
KY
1,615
$15,519
21
NM
1,664
$15,583
22
MS
1,873
$15,789
23
KY
1,518
$16,067
24
MS
1,223
$16,071
25
SC
3,471
$16,103
26
MS
2,229
$16,322
27
KY
1,621
$16,432
28
Boone[Note 1]
NC
17,122
$16,447
29
CA
1,006
$16,458
30
TX
1,210
$16,507
31
NC
1,213
$16,559
32
GA
1,007
$16,587
33
AL
1,029
$16,713
34
GA
1,107
$16,726
35
LA
1,192
$16,727
36
AL
3,485
$16,736
37
AZ
1,744
$16,914
38
SC
2,025
$16,976
39
IL
2,831
$16,977
40
MS
1,614
$17,083
41
FL
1,698
$17,188
42
AR
1,441
$17,212
43
SC
1,345
$17,212
44
CA
2,052
$17,228
45
MI
1,075
$17,321
46
FL
2,658
$17,361
47
MS
1,952
$17,391
48
GA
1,040
$17,483
49
AR
1,178
$17,614
50
AR
1,281
$17,614
51
MI
1,208
$17,621
52
AR
1,105
$17,721
53
Carbondale[Note 1]
IL
25,902
$17,743
54
KY
1,095
$17,750
55
MO
1,296
$17,750
56
MI
10,038
$17,766
57
Cullowhee[Note 1]
NC
6,228
$17,775
58
SC
4,873
$17,839
59
OH
2,272
$17,875
60
NC
3,583
$18,010
61
NC
1,688
$18,179
62
KY
1,077
$18,205
63
NC
2,973
$18,220
64
TX
3,285
$18,232
65
MS
1,159
$18,299
66
AL
1,702
$18,313
67
AR
1,372
$18,348
68
MS
2,768
$18,367
69
Athens[Note 1]
OH
23,832
$18,428
70
AR
2,269
$18,438
71
TX
3,935
$18,446
72
IL
2,002
$18,495
73
KY
2,080
$18,536
74
MS
1,386
$18,603
75
MS
1,067
$18,625
76
MS
1,638
$18,676
77
TX
1,917
$18,684
78
MO
2,939
$18,712
79
CA
3,371
$18,764
80
PA
2,122
$18,779
81
AR
2,316
$18,795
82
TN
1,495
$18,830
83
AL
2,486
$18,847
84
NC
2,426
$18,848
85
TX
1,225
$18,854
86
TX
4,981
$18,884
87
TX
2,321
$18,925
88
NC
1,534
$18,942
89
MS
2,086
$18,950
90
PA
1,228
$19,009
91
LA
2,198
$19,013
92
NM
3,194
$19,031
93
MI
4,084
$19,033
94
OH
1,239
$19,067
95
TX
2,108
$19,067
96
TX
1,622
$19,094
97
PA
2,061
$19,132
98
AZ
1,024
$19,138
99
CA
1,623
$19,167
100
LA
3,242
$19,172