This document provides a summary of family statistics and economic context in Georgia to inform the development of FACS (Family and Consumer Sciences) programs. It outlines trends such as declining median household income, increasing poverty rates, food insecurity, and housing challenges like mortgage delinquencies facing many Georgia families. The presentation examines demographic factors influencing families and concludes that while some families are avoiding severe hardships, financial well-being remains a challenge for many in areas like savings, debt levels, and access to credit.
P R E S S R E L E A S E Supporting Organizations Bases Clean UpDale Asis
Bayanihan Foundation press release of 16 organizations supporting education and outreach campaign to support the clean up of toxic wastes left behind at the former US military installations in Clark and Subic, Philippines.
The data showed that a social rupture was on the way in Ferguson, Missouri. What would radical data transparency do to our ability to predict and avert crisis?
Baby Boomers: The sweet-spot demographic in the middle of the actionBOOMbox Network
Marketing lessons about talking to the baby boomer audience. Where are they? What are they doing? What do they think? How can you tell them about your products and services?
An example of a Demographic Data Report for a Neilsen designated market areas or DMAs. These reports contain basic demographics (i.e. population, race, income, etc.). They are print-ready PDF documents with colorful graphs that you can easily include in your presentations and final reports. This option is a typically good fit if you need demographics for a handful of DMAs.
A presentation by Jim Bloyd, MPH, Cook County Place Matters Steering Committee, Cook County Dept. of Public Health, March 16, 2012, Good Food Festival and Conference, Chicago, University of Illinois Forum. Topics: evidence of health inequities; mixed evidence of neighborhood food environment and nutrition and health; Health Equity Framework of Anthony Iton; Power as a concept that must be considered to achievve health equity; Racial segregation in metro Chicago and resources.
P R E S S R E L E A S E Supporting Organizations Bases Clean UpDale Asis
Bayanihan Foundation press release of 16 organizations supporting education and outreach campaign to support the clean up of toxic wastes left behind at the former US military installations in Clark and Subic, Philippines.
The data showed that a social rupture was on the way in Ferguson, Missouri. What would radical data transparency do to our ability to predict and avert crisis?
Baby Boomers: The sweet-spot demographic in the middle of the actionBOOMbox Network
Marketing lessons about talking to the baby boomer audience. Where are they? What are they doing? What do they think? How can you tell them about your products and services?
An example of a Demographic Data Report for a Neilsen designated market areas or DMAs. These reports contain basic demographics (i.e. population, race, income, etc.). They are print-ready PDF documents with colorful graphs that you can easily include in your presentations and final reports. This option is a typically good fit if you need demographics for a handful of DMAs.
A presentation by Jim Bloyd, MPH, Cook County Place Matters Steering Committee, Cook County Dept. of Public Health, March 16, 2012, Good Food Festival and Conference, Chicago, University of Illinois Forum. Topics: evidence of health inequities; mixed evidence of neighborhood food environment and nutrition and health; Health Equity Framework of Anthony Iton; Power as a concept that must be considered to achievve health equity; Racial segregation in metro Chicago and resources.
2024 Residential Market Update slide deck from Dr. Joey Von Nessen showing data from the residential real estate market in Charleston, South Carolina. Provided by the Charleston Regional Multiple Listing Service and the Charleston Trident Association of Realtors.
Institute of Medicine Presentation September 30, 2014 by Cook County PLACE MA...CookCountyPLACEMATTERS
"Alliances with community and labor organizing: Building people power to address fundamental causes of obesity" was presented by Jim Bloyd, Felipe Tendick-Matesanz and Bonnie Rateree at a workshop of the Roundtable on Obesity Solutions at the Auditorium of the National Academy of Sciences, 2101 Constitution Avenue, Washington DC on September 30, 2014. The presentation was webcast live, and will be available at http://www.iom.edu/Activities/Nutrition/ObesitySolutions/2014-SEP-30.aspx NOTE: Downloading the file may improve some graphics problems in slides 10-13.
During the war years President Franklin Delano Roosevelt once said that a nation of homeowners is unconquerable. Margaret Thatcher, with a mantra that homeowners become responsible citizens, privatized and moved 1.7 million families from public housing into private ownership. President Bill Clinton has stated his belief that homeownership and decent housing are an essential part of the American Dream and wanted to make the dream of homeownership a reality for all Americans. President George W. Bush has said ownership has the power to transform people. Thus, the promotion of homeownership has been an integral part of President Bush’s vision of an “ownership society.” Even in the earliest days of civilization, before the collection and touting of statistical data, Aristotle had argued that ownership promotes virtue and responsibility.
3Why Are Some More Vulnerable Than OthersLearning .docxtamicawaysmith
3
Why Are Some More Vulnerable
Than Others?
Learning Objectives
After reading this chapter, you should be able to:
• Explain social, political, and economic conditions and trends that contribute to the cre-
ation of food deserts.
• Evaluate how the population of the United States is changing, and consider how this
affects vulnerable populations.
• Analyze how changes in social, political, and economic factors contribute to the vulner-
ability that represents the haves and have-nots.
• Define social capital and how it is related to health.
• Identify political factors that affect health.
• Recognize economic factors that affect health.
Courtesy of JurgaR/iStockphoto
bur25613_03_c03_079-110.indd 79 11/26/12 10:31 AM
CHAPTER 3Introduction
Introduction
Towns and cities have planning and zoning departments within their local govern-ment structures. The Planning and Zoning Department is responsible for ensuring that the city infrastructure, including telephone lines, roads, electricity, and water,
reaches all necessary areas. It is also responsible for the local codes that keep large retailers
like Walmart from moving into residential neighborhoods. Town planning helps mini-
mize traffic on residential streets by creating shopping districts that are near but not in
neighborhoods where people live.
Think about how far the nearest grocery store is from your home. Is it within walking
distance? If so, how do you transport the groceries home? For many Americans, locat-
ing shopping districts outside of neighborhoods creates a need for vehicle transportation
from home to the grocer. Many people living in low-income urban housing lack access to
cars, and public transportation leaves much to be desired in many cities and is completely
absent in many towns. Large retailers need a lot of customers to support the store and a
lot of people to staff it. For this reason, many large grocers avoid urban areas and many
rural areas where there are not a lot of potential customers nearby, opting instead to set up
shop in densely populated suburban areas.
This phenomenon has created a serious problem in many urban areas in cities and small
town centers alike. Food deserts are residential areas with no readily available access to
grocers who carry fresh fruits, vegetables, and meats. Many residents in food deserts sub-
sist mainly on cheap processed foods that they can purchase at mini-marts and gas sta-
tions. A diet lacking in fresh healthy foods creates long-lasting health problems. As many
food deserts also lack accessible health care, the health of the vulnerable populations in
these areas is doubly impacted.
The food desert issue is one of social, political, and economic factors. Socially, these
areas have needs, such as access to affordable food, shelter, and clean water, that must be
addressed. Politically, it is up to the government to change zoning codes and offer incen-
tives to encourage grocers and health ca ...
Food insecurity, defined as the limited or uncertainavailabi.docxAKHIL969626
Food insecurity, defined as the limited or uncertain
availability of nutritionally adequate and safe foods, has
been identified as an important public health concern
in the United States.1 Results from the most recent Los
Angeles County Health Survey (LACHS) indicate that
many households in the county experience food
insecurity and hunger, a severe form of food insecurity.
The survey found that 22% of lower income
households (defined throughout this brief as
households with annual incomes less than 300% of the
federal poverty level (FPL2)) experienced food
insecurity in the past year (Table 1). This equates to
over 400,000 households with food insecurity, of
which 141,000 included someone who had
experienced hunger in the past year.
The survey also found large racial/ethnic (Figure 1),
geographic (Figure 2), and income disparities among
those lower income households experiencing food
insecurity. The percentage of lower income households
(<300% FPL) found to be food insecure ranged from
a high of 27% in the Metro Service Planning Area (SPA
4) to a low of 17% in the West SPA (SPA 5) (Table 1).
By health district, food insecurity ranged from a high of
31% in the Hollywood Health District to a low of 9%*
in the San Fernando Health District. Food insecurity was
present in 37% of households with incomes below
poverty (<100% FPL, Table 1).
1. Nord M, Andrews M, Carlson S. Household food security in the United States, 2002. Food and
Rural Economics Division, Economic Research Services, U.S. Department of Agriculture, Food
Assistance and Nutrition Research Report No. 35, October 2003.
2. Based on 2002 Federal Poverty Level (FPL) thresholds which for a family of four (2 adult, 2
dependents) correspond to annual incomes of $18,859 (100% FPL), $37,718 (200% FPL),
and $56,557 (300% FPL).
FOOD INSECURITY
March 2004
www.lapublichealth.org/
Latino White African-American Asian/Pacific Islander
0
5
10
15
20
25
30
18%
8%
7%
9%
11%
14%
3%
10%
� Food Insecurity with Hunger
� Food Insecurity without Hunger
Percentage of Food Insecurity Among
Lower Income Households (<300% FPL)
by Race/Ethnicity, 2002–03
Antelope Valley
Foothill
Pasadena*
Glendale*
North
east
Central
South
west Southeast
San Antonio
Inglewood
South
Compton
Bellflower
Whittier
Hollywood/
Wilshire
San Fernando*
Alhambra
El MonteEast L.A.
Pomona
West Valley
Torrance
Harbor*
Long Beach
East Valley
West
Percentage of Food Insecure,
Lower Income Households (<300% FPL)
by Health District, 2002–03
* Estimate should be
viewed with caution
because of small numbers.
Additionally, a higher percentage of lower income
households with children reported food insecurity
(25%) compared to lower income households without
children (19%) (Figure 3).
Demographic Characteristics of Respondents
Living in Food Insecure Households
The majority of respondents who reported living in
lower income, food insecure households were Latino
(62%), followed by Whites (18%), Afri ...
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
2024 Residential Market Update slide deck from Dr. Joey Von Nessen showing data from the residential real estate market in Charleston, South Carolina. Provided by the Charleston Regional Multiple Listing Service and the Charleston Trident Association of Realtors.
Institute of Medicine Presentation September 30, 2014 by Cook County PLACE MA...CookCountyPLACEMATTERS
"Alliances with community and labor organizing: Building people power to address fundamental causes of obesity" was presented by Jim Bloyd, Felipe Tendick-Matesanz and Bonnie Rateree at a workshop of the Roundtable on Obesity Solutions at the Auditorium of the National Academy of Sciences, 2101 Constitution Avenue, Washington DC on September 30, 2014. The presentation was webcast live, and will be available at http://www.iom.edu/Activities/Nutrition/ObesitySolutions/2014-SEP-30.aspx NOTE: Downloading the file may improve some graphics problems in slides 10-13.
During the war years President Franklin Delano Roosevelt once said that a nation of homeowners is unconquerable. Margaret Thatcher, with a mantra that homeowners become responsible citizens, privatized and moved 1.7 million families from public housing into private ownership. President Bill Clinton has stated his belief that homeownership and decent housing are an essential part of the American Dream and wanted to make the dream of homeownership a reality for all Americans. President George W. Bush has said ownership has the power to transform people. Thus, the promotion of homeownership has been an integral part of President Bush’s vision of an “ownership society.” Even in the earliest days of civilization, before the collection and touting of statistical data, Aristotle had argued that ownership promotes virtue and responsibility.
3Why Are Some More Vulnerable Than OthersLearning .docxtamicawaysmith
3
Why Are Some More Vulnerable
Than Others?
Learning Objectives
After reading this chapter, you should be able to:
• Explain social, political, and economic conditions and trends that contribute to the cre-
ation of food deserts.
• Evaluate how the population of the United States is changing, and consider how this
affects vulnerable populations.
• Analyze how changes in social, political, and economic factors contribute to the vulner-
ability that represents the haves and have-nots.
• Define social capital and how it is related to health.
• Identify political factors that affect health.
• Recognize economic factors that affect health.
Courtesy of JurgaR/iStockphoto
bur25613_03_c03_079-110.indd 79 11/26/12 10:31 AM
CHAPTER 3Introduction
Introduction
Towns and cities have planning and zoning departments within their local govern-ment structures. The Planning and Zoning Department is responsible for ensuring that the city infrastructure, including telephone lines, roads, electricity, and water,
reaches all necessary areas. It is also responsible for the local codes that keep large retailers
like Walmart from moving into residential neighborhoods. Town planning helps mini-
mize traffic on residential streets by creating shopping districts that are near but not in
neighborhoods where people live.
Think about how far the nearest grocery store is from your home. Is it within walking
distance? If so, how do you transport the groceries home? For many Americans, locat-
ing shopping districts outside of neighborhoods creates a need for vehicle transportation
from home to the grocer. Many people living in low-income urban housing lack access to
cars, and public transportation leaves much to be desired in many cities and is completely
absent in many towns. Large retailers need a lot of customers to support the store and a
lot of people to staff it. For this reason, many large grocers avoid urban areas and many
rural areas where there are not a lot of potential customers nearby, opting instead to set up
shop in densely populated suburban areas.
This phenomenon has created a serious problem in many urban areas in cities and small
town centers alike. Food deserts are residential areas with no readily available access to
grocers who carry fresh fruits, vegetables, and meats. Many residents in food deserts sub-
sist mainly on cheap processed foods that they can purchase at mini-marts and gas sta-
tions. A diet lacking in fresh healthy foods creates long-lasting health problems. As many
food deserts also lack accessible health care, the health of the vulnerable populations in
these areas is doubly impacted.
The food desert issue is one of social, political, and economic factors. Socially, these
areas have needs, such as access to affordable food, shelter, and clean water, that must be
addressed. Politically, it is up to the government to change zoning codes and offer incen-
tives to encourage grocers and health ca ...
Food insecurity, defined as the limited or uncertainavailabi.docxAKHIL969626
Food insecurity, defined as the limited or uncertain
availability of nutritionally adequate and safe foods, has
been identified as an important public health concern
in the United States.1 Results from the most recent Los
Angeles County Health Survey (LACHS) indicate that
many households in the county experience food
insecurity and hunger, a severe form of food insecurity.
The survey found that 22% of lower income
households (defined throughout this brief as
households with annual incomes less than 300% of the
federal poverty level (FPL2)) experienced food
insecurity in the past year (Table 1). This equates to
over 400,000 households with food insecurity, of
which 141,000 included someone who had
experienced hunger in the past year.
The survey also found large racial/ethnic (Figure 1),
geographic (Figure 2), and income disparities among
those lower income households experiencing food
insecurity. The percentage of lower income households
(<300% FPL) found to be food insecure ranged from
a high of 27% in the Metro Service Planning Area (SPA
4) to a low of 17% in the West SPA (SPA 5) (Table 1).
By health district, food insecurity ranged from a high of
31% in the Hollywood Health District to a low of 9%*
in the San Fernando Health District. Food insecurity was
present in 37% of households with incomes below
poverty (<100% FPL, Table 1).
1. Nord M, Andrews M, Carlson S. Household food security in the United States, 2002. Food and
Rural Economics Division, Economic Research Services, U.S. Department of Agriculture, Food
Assistance and Nutrition Research Report No. 35, October 2003.
2. Based on 2002 Federal Poverty Level (FPL) thresholds which for a family of four (2 adult, 2
dependents) correspond to annual incomes of $18,859 (100% FPL), $37,718 (200% FPL),
and $56,557 (300% FPL).
FOOD INSECURITY
March 2004
www.lapublichealth.org/
Latino White African-American Asian/Pacific Islander
0
5
10
15
20
25
30
18%
8%
7%
9%
11%
14%
3%
10%
� Food Insecurity with Hunger
� Food Insecurity without Hunger
Percentage of Food Insecurity Among
Lower Income Households (<300% FPL)
by Race/Ethnicity, 2002–03
Antelope Valley
Foothill
Pasadena*
Glendale*
North
east
Central
South
west Southeast
San Antonio
Inglewood
South
Compton
Bellflower
Whittier
Hollywood/
Wilshire
San Fernando*
Alhambra
El MonteEast L.A.
Pomona
West Valley
Torrance
Harbor*
Long Beach
East Valley
West
Percentage of Food Insecure,
Lower Income Households (<300% FPL)
by Health District, 2002–03
* Estimate should be
viewed with caution
because of small numbers.
Additionally, a higher percentage of lower income
households with children reported food insecurity
(25%) compared to lower income households without
children (19%) (Figure 3).
Demographic Characteristics of Respondents
Living in Food Insecure Households
The majority of respondents who reported living in
lower income, food insecure households were Latino
(62%), followed by Whites (18%), Afri ...
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
Embracing GenAI - A Strategic ImperativePeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
Introduction to AI for Nonprofits with Tapp NetworkTechSoup
Dive into the world of AI! Experts Jon Hill and Tareq Monaur will guide you through AI's role in enhancing nonprofit websites and basic marketing strategies, making it easy to understand and apply.
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
1. Georgia Family Statistics:
Context for FACS Program Development
Robert B. Nielsen
Department of Housing & Consumer Economics
Housing and Demographic Research Center
Extension FACS Program Development Conference
Athens, GA
October 2, 2012
2. Outline
1. Families’ current social and economic context
a.k.a. Death by 1,000 Slides
2. A quick demographic snapshot of Georgia
Including selected statistics on each issue area
3. Challenges and opportunities ahead
As reported in situation statements, logic
models, or trend statements
4. Conversation leading into the panel session
2
Prepared by Robert B. Nielsen, Ph.D.
3. Death by 1,000 slides
1. FAMILIES’ CURRENT SOCIAL AND
ECONOMIC CONTEXT
3
Prepared by Robert B. Nielsen, Ph.D.
4. My perspective…
Influential factors for families this century:
Macro and microeconomic challenges
– A two-recession decade included the Great Recession; an
unprecedented housing crisis; poverty rates not seen since 1960s
Increasing diversity
– Increasingly multicultural society; “minority” births now majority
Terrorism, wars, and conflict
– From 9/11 to the longest war in U.S. history to cultural conflicts
Rapid technological changes
– Influences how consumers and families communicate, work, learn,
recreate, and consume (perhaps a panel conversation)
Political changes
– Distrust of large institutions; cycles of optimism and pessimism;
varying levels of excitement about new voters
4
Prepared by Robert B. Nielsen, Ph.D.
5. My perspective II…
Like most here, I view consumers and families
from an ecological perspective.
Individual consumers and families are
influenced by—but also influence—the
persons, processes, contexts, and time in
which they interact in their social, political,
economic, and physical environments.
Still, where else would a family economist
start but with income?
5
Prepared by Robert B. Nielsen, Ph.D.
7. Income this Century
Median Household Income 2000 to 2011: U.S. and Georgia
$60,000
$54,841
$50,054
$50,000
$45,973
$40,000
$41,901
$30,000
$20,000
$10,000
$0
2001 2003 2005 2007 2009 2011
Source: Income, Poverty, and Health Insurance Coverage in the United States (P60-243); All values expressed in 2011 dollars
7
Prepared by Robert B. Nielsen, Ph.D.
10. By Your Own Bootstraps: 2010
The percentage of working-age adults who live
in poverty was the highest its been since 1966
(13.7%)
The percentage of people who live in the
suburbs who are poor was at the highest level
since 1967 (11.8%)
If anyone can be expected to “pull themselves
up by their own bootstraps” its these groups
of Americans. Yet, they’re falling behind.
10
Prepared by Robert B. Nielsen, Ph.D.
17. How Bad Is It for Families with Kids?
17
Prepared by Robert B. Nielsen, Ph.D.
18. Family Budget Shares
Source: USDA Center for Nutrition Policy and Promotion, http://www.cnpp.usda.gov/Publications/CRC/crc2011.pdf
18
Prepared by Robert B. Nielsen, Ph.D.
19. Food Insecurity
GA
17.4%
GA
6.4%
Source: USDA Economic Research Service, http://www.ers.usda.gov/publications/err-economic-research-report/err141.aspx
19
Prepared by Robert B. Nielsen, Ph.D.
21. Nevada
Arizona, Florida
Georgia: 12.3, 3.4
NC MI, AL S. Carolina
US 2.6
US 10.2
21
Retrieved from http://www.census.gov/prod/cen2010/briefs/c2010br-07.pdf
23. Just when you thought things were OK
Let’s say the median wealth family has
avoided poverty,
avoided two-adult simultaneous unemployment,
survived a recession (or two),
enough (safe) food to eat,
retained medical care access,
not become unwilling landlords,
not had to double-up,
and managed not to hit one another while arguing.
It’s all good, right?
23
Prepared by Robert B. Nielsen, Ph.D.
25. Absence of hardship doesn’t equal wellness
A few estimates from the Federal Reserve’s
most recent Survey of Consumer Finances:
25
Prepared by Robert B. Nielsen, Ph.D.
26. Absence of hardship doesn’t equal wellness
Source: Federal Reserve 2010 SCF Chartbook, http://www.federalreserve.gov/econresdata/scf/files/2010_SCF_Chartbook.pdf
26
Prepared by Robert B. Nielsen, Ph.D.
27. Absence of hardship doesn’t equal wellness
Source: Federal Reserve 2010 SCF Chartbook, http://www.federalreserve.gov/econresdata/scf/files/2010_SCF_Chartbook.pdf
27
Prepared by Robert B. Nielsen, Ph.D.
28. 28
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
29. Absence of hardship doesn’t equal wellness
The Consumer Financial Protection Bureau
(our newest regulatory agency) is focusing its
educational efforts on
– mortgages,
– credit cards, and
– student loans.
First a look…then the question, “Why?”
29
Prepared by Robert B. Nielsen, Ph.D.
30. Delinquincies
Source: New York Office of the Federal Reserve http://www.newyorkfed.org/householdcredit/
30
Prepared by Robert B. Nielsen, Ph.D.
31. 31
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
32. h
h
h
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
32
Prepared by Robert B. Nielsen, Ph.D.
33. “Who is to blame?”
Prepared by Robert B. Nielsen, Ph.D.
34. So I find myself asking…
When can we
shift from SURVIVE
to THRIVE?!
34
Prepared by Robert B. Nielsen, Ph.D.
35. My tentative answer…
When we stop pining
for how how things
were and start working
toward what could be.
35
Prepared by Robert B. Nielsen, Ph.D.
36. 2. A DEMOGRAPHIC SNAPSHOT OF
GEORGIA THIS CENTURY
36
Prepared by Robert B. Nielsen, Ph.D.
37. Georgia Population
Georgia is a populous and growing state
Population estimates
– 2000 8.1 million 10th in the U.S.
– 2005 9.0 million 9th in the U.S.
– 2010 9.5 million 9th in the U.S.
– 2020 10.8 million (est.)
How about your county?
– This tool offers a population change snapshot.
37
Prepared by Robert B. Nielsen, Ph.D.
38. Increasingly Diverse Nation
Number
2000 2010 Change
Number Percent Number Percent Percent
Total 281,422 100.0 308,746 100.0 9.7
Non-Hispanic
White 194,553 69.1 196,818 63.7 1.2
Black 33,948 12.1 37,686 12.2 11.0
Asian 10,123 3.6 14,465 4.7 42.9
Islander 354 0.1 482 0.2 36.2
Am. Indian 2,069 0.7 2,247 0.7 8.6
Other 468 0.2 604 0.2 29.1
Two or more 4,602 1.6 5,966 1.9 29.6
Hispanic 35,306 12.5 50,478 16.3 43.0
Source: U.S. Census Bureau (2000 and 2010 decennial censuses); expect slight variations due to rounding
38
Prepared by Robert B. Nielsen, Ph.D.
39. Increasingly Diverse Society
Increasingly diverse society
– Mapping two decades of change (Wash Post)
– 2010 Decennial Census (Census Bureau)
39
Prepared by Robert B. Nielsen, Ph.D.
40. Increasingly Diverse State
Number
2000 2010 Change
(in thousands) Number Percent Number Percent Percent
Total 8,072 100.0 9,480 100.0 17.4
Non-Hispanic
White 5,328 65.1 8,787 59.7 8.6
Black 2,350 28.7 2,950 30.5 25.6
Asian 173 2.1 315 3.2 81.6
Islander 4 0.1 7 0.1 60.1
Am. Indian 22 0.3 32 0.3 47.9
Other 196 2.4 389 4.0 98.1
Two or more 114 1.4 208 2.1 81.7
Hispanic 435 5.3 854 8.8 96.1
Source: U.S. Census Bureau (2000 and 2010 decennial censuses); expect slight variations due to rounding
40
Prepared by Robert B. Nielsen, Ph.D.
42. From Center for American Progress
(Yes, they lean left)
Top 10 things to know about Georgia’s demographics and
immigration politics (I share a few)
1. Georgia is at a demographic tipping point
– 1 of 13 states where people of color make up more than 40% of
population.
2. People of color make up a substantial portion of Georgia’s
population
– African Americans make up 31.5% of population
– Hispanics or Latinos 8.8%
3. Georgia has a large racial generation gap
– 73.2% age 60+ are non-Hispanic white
– 46.9% of children are non-Hispanic white
4. Demographic change is reshaping the electorate
– Number of eligible Hispanic voters increased 181%--and they’re
young relative to whites
Available at: http://www.americanprogress.org/issues/race/news/2012/03/02/11191/the-top-10-
things-you-should-know-about-georgias-demographic-changes-and-immigration-politics/
42
Prepared by Robert B. Nielsen, Ph.D.
43. From Center for American Progress
(Yes, they lean left)
Top 10 things to know about Georgia’s demographics and
immigration politics (I share a few)
5. The state is feeling the effects of H.B. 87, the “papers please” law.
– Economic losses not yet determined, but estimates upward of $1B in
2011 growing season
6. Communities of color contribute to the state’s economy
– Unauthorized immigrants paid $456.3 million in state and local taxes
in 2010
– Purchasing power of Georgia’s Latinos estimated $17 billion
– 32,500 Latino-owned business account for $6B revenue, employ
approximately 36,000
– Asian American-owned businesses increased 72% 2002-2007; GA
second-fastest growing state for Asian American-owned businesses
Available at: http://www.americanprogress.org/issues/race/news/2012/03/02/11191/the-top-10-
things-you-should-know-about-georgias-demographic-changes-and-immigration-politics/
43
Prepared by Robert B. Nielsen, Ph.D.
45. Changing Household Structure
2000 2010 Change
(in thousands) Number Percent Number Percent Percent
Total household 3,006 100.0 3,586 100.0 19.3
Families 2,112 70.2 2,458 68.5 16.4
With own child <18 1,051 35.0 1,258 32.3 10.1
Married couple 1,549 51.5 1,715 47.8 10.7
With own child <18 733 24.4 757 21.1 3.2
Female head (no 435 14.5 568 15.8 30.5
Husb)
With own child <18 258 8.6 320 8.9 24.2
Average size 3.14 -- 3.17 -- 1.0
Nonfamily households 895 29.8 1,128 31.5 26.0
Living alone 711 23.6 909 25.4 28.0
65 or older 210 7.0 268 7.5 27.5
Average size 2.65 -- 2.63
Source: U.S. Census Bureau (2000 and 2010 decennial censuses); expect slight variations due to rounding -- -0.8
45
Prepared by Robert B. Nielsen, Ph.D.
47. Largely as reported in Specialists’ Logic Models and Trend Statements
3. OPPORTUNITIES AND
CHALLENGES AHEAD
47
Prepared by Robert B. Nielsen, Ph.D.
48. I can’t do each area justice and I’m not sure I should try at all…the
experts are in the room…still, it was part of my charge so here are a few
highlights as I see them (and on occasion I’m cross-eyed).
3.1 SELECTED STATISTICS ON EACH
ISSUE AREA
48
Prepared by Robert B. Nielsen, Ph.D.
49. FACS Base Programs
3.1.1. ECONOMIC WELL-BEING FOR
INDIVIDUAL FAMILIES
49
Prepared by Robert B. Nielsen, Ph.D.
50. Georgians Will Manage Credit & Debt
Specialist: Michael Rupured
People with higher credit scores are offered
more favorable loan rates; this saves money
that can be put to other uses.
Georgia ranks 46th among the states for credit
scores.
– Augusta (710) and Savannah (713) have the
distinction of being in the list of cities with the top
ten worst Vantage scores
50
Prepared by Robert B. Nielsen, Ph.D.
51. Risk Management and Insurance
Specialist: Joan Koonce
Deciding what kind and how much insurance an
individual or family needs can be a daunting task.
With the implementation of the Affordable Care
Act, the health insurance marketplace is
undergoing dramatic changes; all must soon
participate in this complex and expensive
marketplace.
– www.healthcare.gov offers educational insights to
consumers, including timeline of the rollout of new
health insurance provisions
51
Prepared by Robert B. Nielsen, Ph.D.
52. FACS Base Programs
3.1.2. POSITIVE DEVELOPMENT FOR
INDIVIDUALS, FAMILIES, AND
COMMUNITIES
52
Prepared by Robert B. Nielsen, Ph.D.
53. In 2010
Women were 46.7% of the US labor
force, a slightly larger share than at
the start of the recession.
58.6% of women age 16+ were
employed or looking for work.
Women were nearly twice as likely as
men to work part time.
Women were nearly 50% more likely
to work in the public sector than
men; 18.2% of employed women
worked in public sector jobs.
Source: Department of Labor (2011). Women’s Employment During the Recovery. Available at http://www.dol.gov/_sec/media/reports/FemaleLaborForce/FemaleLaborForce.pdf 53
Prepared by Robert B. Nielsen, Ph.D.
54. Quality Caregiving for Children & Youth
Specialist: Diane Bales
Child care has an enormous economic impact on Georgia.
– The child care industry generates about $2.4 billion in gross
receipts each year
– employs more than 61,000 people directly
– Parents with young children earn between $13.6 billion and
$32.7 billion each year because child care is available
Child care in Georgia offers long-term benefits by
– helping children develop knowledge and skills that will enable
them to be ready for school, be better students, more likely to
complete high school, less likely to be in costly special education
programs, less likely to commit crimes, and more likely to be
productive members of our future workforce.
54
Prepared by Robert B. Nielsen, Ph.D.
55. Intimate Partner Relationships
Specialist: Ted Futris
In Georgia:
– Marriage rate continues to decline (10.3 per 1000 total
population in 1990 vs. 6.6 in 2009)
– Nearly half of all marriages in a year are remarriages.
– In 2009, 32% of high school students were in a physical
fight one or more times during the past 12 months; 16%
were hit, slapped, or physically hurt on purpose by their
boyfriend or girlfriend.
– The 2010 teen birth rate was 41.2 per 1,000 15-19 year
old adolescent girls (13th highest).
55
Prepared by Robert B. Nielsen, Ph.D.
57. Specialist: Sharon Gibson
Is part of the panel
Still, my take…preparing youth to envision what
could be if we embrace the future rather than
pine for the past. Teens as planners!
57
Prepared by Robert B. Nielsen, Ph.D.
59. Safety of Locally Grown Produce
Specialist: Judy Harrison
Georgia ranks 9th in the number of cases of
foodborne disease illnesses
– An estimated $1.2 billion cost in GA
Local food producers report poor adherence to
hygiene protocols, and 90% of consumers don’t
ask about growing/production practices
Readings Judy’s statement scared me!
By the way, my kids love all that is BAC!
59
Prepared by Robert B. Nielsen, Ph.D.
60. Preserve and Store Foods Safety
Specialists: Elizabeth Andress & Judy Harrison
2010 Pew Charitable Trust estimates that a
single case of botulism costs $726K in related
medical services, deaths, lost work, disability.
The majority of botulism cases in the U.S. are
from home production
1/3 of home canners ‘adapt and improvise’ in
ways that may be dangerous
60
Prepared by Robert B. Nielsen, Ph.D.
61. Commercial Food Safety
Specialists: Elizabeth Andress & Judy Harrison
ServSafe since 1995!
Georgia has
– over 16,000 inspected foodservice establishments
– an industry that employs over 374,000 people (10% of the employment
in Georgia), generating $15.2 billion in sales (National Restaurant Assn. projections for 2012)
The benefit? Beyond physical wellness…
– Vibrio vulnificus $3,045,726
– Botulism $726,362
– E. coli O157:H7 $14,838
– Salmonella $9,146
– Campylobacter $8,901
– Listeriosis $1,695,143
61
Prepared by Robert B. Nielsen, Ph.D.
63. Decreased Morbidity
Specialist: Connie Crawley
2011 Georgia adults:
– 28% obese; 62.7% overweight or obese; 24th in US
2011 Georgia children:
– 38% of high schoolers obese or overweight
If average BMI reduced by just 5% by 2030
– 7.7% savings in health care cost savings
63
Prepared by Robert B. Nielsen, Ph.D.
64. FACS Base Programs
3.1.5. HEALTHY, SAFE, AFFORDABLE
HOUSING ENVIRONMENTS
64
Prepared by Robert B. Nielsen, Ph.D.
65. Safe and Affordable Housing
Specialist: Pamela Turner
GA housing market is showing signs of recovery;
however, the demand for housing is not yet strong
enough to consume the existing inventory.
In the current market, individuals and families are
faced with rising costs for electricity, water,
gasoline, food and other necessities while income
has remained stagnant or decreased.
Tighter mortgage lending and weak consumer
confidence has kept potential home buyers from
taking advantage of historically low interest rates.
65
Prepared by Robert B. Nielsen, Ph.D.
66. Housing and Demographic Research Center (Dr. Tinsley)
3.1.5. GICH: COMMUNITY HOUSING
INITIATIVE
66
Prepared by Robert B. Nielsen, Ph.D.
67. Local Housing Assistance
Karen Tinsley
Georgia Initiative for Community Housing (GICH)
provides support and technical assistance to local
housing efforts
– Improve neighborhoods; revitalize community
Partnership among HDRC, OVPPSO, Georgia Dept.
of Community Affairs, and the Georgia Municipal
Association. Also, Georgia EMC, Carl Vinson
Institute, and Archway are implementation
partners.
– http://www.fcs.uga.edu/hace/hdrc/docs/GICHannRepor
t2012lowRes%20for%20web.pdf
67
Prepared by Robert B. Nielsen, Ph.D.
68. If none, I have a slide graveyard we can walk through
4. CONVERSATION LEADING INTO
THE PANEL DISCUSSION.
68
Prepared by Robert B. Nielsen, Ph.D.
69. The micro- and macro- environment
Natural/Structured
MACROENVIRONMENT
Societal Systems
MACROENVIRONMENT
MICROENVIRONMENT
Physical Economic Family Political Human
System made
Physical Social
Sociocultural Technological
Biological
Deacon & Firebaugh (1988).
Family Resource Management: Principles and Applications.
Prepared by Sharon Y. Nickols, Ph.D.
70. Slides not used for the presentation but that might be useful for the
panel question session afterward
GRAVEYARD
70
Prepared by Robert B. Nielsen, Ph.D.
71. Long-Term Unemployment
Source: Department of Labor via Wall Street Journal,
http://online.wsj.com/article/SB1000142405270230381290
4577299982932070176.html
71
Prepared by Robert B. Nielsen, Ph.D.
73. Weekly Food Expenditures
Source: USDA Economic Research Service, http://www.ers.usda.gov/publications/err-economic-research-report/err141.aspx
73
Prepared by Robert B. Nielsen, Ph.D.
75. On technology…
“Technology changes society by changing our
environment to which we, in turn, adapt. This
change is usually in the material environment, and
the adjustment we make to the changes often
modifies customs and social institutions.
Everywhere there is evidence of the stimulus of
war in developing an unprecedented number of
inventions which are being added to and changing
our material environment. We shall be interested
in seeing how these wartime developments in
applied science will change society in peacetime.”
Ogburn, William F. (1947). How technology changes society. Annals of the American
Academy of Political and Social Science, 249, 81-88.
75
Prepared by Robert B. Nielsen, Ph.D.
76. 76
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
77. 77
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
78. 78
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
79. 79
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
80. 80
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
81. 81
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
82. 82
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
83. 83
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
84. 84
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
85. 85
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
Also see Dan Weinberg’s Income Inequality Report using ACShttp://www.census.gov/prod/2011pubs/acs-16.pdf (which notes Athens-Clark as a top-five inequality location)http://www.census.gov/prod/2012pubs/acsbr10-18.pdf
America's economic history is rife with tales of individuals who overcame incredible obstacles to achieve economic success. However, the past decade has proven to be one of the most economically challenging on record. (CLICK for bullet 1) The most recent government estimates indicate that the percentage of working-age adults who live in poverty is the highest its been since 1966 (13.7%) and the percentage of people who live in the suburbs who are poor is at the highest (CLICK for bullet 2) level since 1967 (11.8%). (CLICK for bullet 3) If anyone can be expected to pull themselves up by their own bootstraps, it's these Americans. Yet, they're falling behind. This class explores the causes and consequences of the current economic hardships that have caused what has been dubbed "The Lost Decade."
In 2011, the official poverty rate was 15.0 percent. There were 46.2 million people in poverty.After 3 consecutive years of increases, neither the official poverty rate nor the number of people in poverty were statistically different from the 2010 estimates.The 2011 poverty rates for most demographic groups examined were not statistically different from their 2010 rates. Poverty rates were lower in 2011 than in 2010 for six groups: Hispanics, males, the foreign-born, nonciti¬zens, people living in the South, and people living inside metropol¬itan statistical areas but outside principal cities. Poverty rates went up between 2010 and 2011 for naturalized citizens.For most groups, the number of people in poverty either decreased or did not show a statistically significant change. The number of people in poverty decreased for noncitizens, people living in the South, and people living inside metropolitan statistical areas but outside principal cities between 2010 and 2011. The number of naturalized citizens in poverty increased.The poverty rate in 2011 for children under age 18 was 21.9 per-cent. The poverty rate for people aged 18 to 64 was 13.7 percent, while the rate for people aged 65 and older was 8.7 percent. None of the rates for these age groups were statistically different from their 2010 estimates. (the above text verbatim from http://www.census.gov/hhes/www/poverty/data/incpovhlth/2011/highlights.html)
ACSBR/10-01 at http://www.census.gov/prod/2011pubs/acsbr10-01.pdf
U.S. was 14.7% food insecure and 5.6% very low food security
Atlanta Homeowner Vacancy Rate 3.0; Rental Vacancy Rate 13.8
“These young adults who lived with their parents had an official poverty rate of only 8.4 percent, since the income of their entire family is compared with the poverty threshold. If their poverty status were determined by their own income, 45.3 percent would have had income falling below the poverty threshold for a single person under age 65.” http://blogs.census.gov/2011/09/13/households-doubling-up/
Federal Reserve 2010 SCF and http://www.nytimes.com/2012/06/12/business/economy/family-net-worth-drops-to-level-of-early-90s-fed-says.html?_r=0
Federal Reserve 2010 SCF and http://www.nytimes.com/2012/06/12/business/economy/family-net-worth-drops-to-level-of-early-90s-fed-says.html?_r=0
Loan types. In our analysis we distinguish between the following types of accounts: mortgage accounts, home equity revolving accounts, auto loans, bank card accounts, student loans and other loan accounts. Mortgage accounts include all mortgage installment loans, including first mortgages and home equity installment loans (HEL), both of which are closed-end loans. Home Equity Revolving accounts (aka Home Equity Line of Credit or HELOC), unlike home equity installment loans, are home equity loans with a revolving line of credit where the borrower can choose when and how often to borrow up to an updated credit limit. Auto Loans are loans taken out to purchase a car, including Auto Bank loans provided by banking institutions (banks, credit unions, savings and loan associations), and Auto Finance loans, provided by automobile dealers and automobile financing companies. Bankcard accounts (or credit card accounts) are revolving accounts for banks, bankcard companies, national credit card companies, credit unions and savings & loan associations. Student Loans include loans to finance educational expenses provided by banks, credit unions and other financial institutions as well as federal and state governments. The Other category includes Consumer Finance (sales financing, personal loans) and Retail (clothing, grocery, department stores, home furnishings, gas etc) loans.