June 2019 marked the tenth anniversary of the official end of the last recession. Illinois suffered a net loss of over 325,000 jobs during the recession.
Since the recession, the Illinois economy experienced a much slower recovery than neighboring states or the nation. Illinois gained of 285,700 jobs between June 2009 and June 2019. However, there are almost 40,000 fewer jobs now than were lost during the recession.
Downstate metros and rural counties were disproportionally impacted by job losses during the recession, with many continuing to lose jobs after the recession. Over half of Illinois’ counties had lower overall employment in June 2019 than at the end of the recession.
An overview of recent population trends in Illinois, its origins and potential implication. This research was compiled by Northern Illinois University researcher Brian Harger.
The rate of increase in Columbus Region employment in the second quarter was more than double the Ohio and U.S. levels. Click for more news from the Columbus Region's second quarter of 2013.
The following slides provide the background data and information that have informed the future trends identified under the economy and infrastructure theme. This presentation should be viewed alongside those for the other themes in order for the wider picture to be understood.
Illinois illustrated: A Visual Guide To Taxes And The EconomyTax Foundation
Taxes are complicated. Each state’s tax code is a multifaceted system with many moving parts, and Illinois is no exception. This chart book aims to help readers understand Illinois’ overall economy and tax system from a broad perspective. But it also provides detailed illustrations of each of Illinois’ major tax types—individual income taxes, business taxes, sales and excise taxes, and property taxes—to help make the complicated task of understanding the state’s tax code a bit easier.
Illinois Illustrated - A Visual Guide to Taxes & the EconomyKellie71
This chart book aims to help readers understand Illinois’ overall economy and tax system from a broad perspective. It also provides detailed illustrations of each of Illinois’ major tax types—individual income taxes, business taxes, sales and excise taxes, and property taxes—to help make the complicated task of understanding the state’s tax code a bit easier.
Tom Stinson, MN State Economist and Tom Gillaspy, MN State Demographer, delivered a powerful presentation at a Minnesota High Tech Association CEO Briefing last summer.
The following slides provide the background data and information that have informed the future trends identified under the society and culture theme. This presentation should be viewed alongside those for the other themes in order for the wider picture to be understood.
An overview of recent population trends in Illinois, its origins and potential implication. This research was compiled by Northern Illinois University researcher Brian Harger.
The rate of increase in Columbus Region employment in the second quarter was more than double the Ohio and U.S. levels. Click for more news from the Columbus Region's second quarter of 2013.
The following slides provide the background data and information that have informed the future trends identified under the economy and infrastructure theme. This presentation should be viewed alongside those for the other themes in order for the wider picture to be understood.
Illinois illustrated: A Visual Guide To Taxes And The EconomyTax Foundation
Taxes are complicated. Each state’s tax code is a multifaceted system with many moving parts, and Illinois is no exception. This chart book aims to help readers understand Illinois’ overall economy and tax system from a broad perspective. But it also provides detailed illustrations of each of Illinois’ major tax types—individual income taxes, business taxes, sales and excise taxes, and property taxes—to help make the complicated task of understanding the state’s tax code a bit easier.
Illinois Illustrated - A Visual Guide to Taxes & the EconomyKellie71
This chart book aims to help readers understand Illinois’ overall economy and tax system from a broad perspective. It also provides detailed illustrations of each of Illinois’ major tax types—individual income taxes, business taxes, sales and excise taxes, and property taxes—to help make the complicated task of understanding the state’s tax code a bit easier.
Tom Stinson, MN State Economist and Tom Gillaspy, MN State Demographer, delivered a powerful presentation at a Minnesota High Tech Association CEO Briefing last summer.
The following slides provide the background data and information that have informed the future trends identified under the society and culture theme. This presentation should be viewed alongside those for the other themes in order for the wider picture to be understood.
Facts & Figures 2015: How Does Your State Compare?Tax Foundation
How do taxes in your state compare nationally? This convenient pocket-size booklet compares the 50 states on many different measures of taxing and spending, including individual and corporate income tax rates, business tax climates, excise taxes, tax burdens and state spending.
A short presentation on recent economic trends in the metro Chicago region with a particular regard to the suburban or "Collar Counties". While the recovery from the recent recession has been uneven, the region has considerable resources to draw upon and competitive advantages that it has only begun to exploit.
According to the most recent estimates from the Bureau of Labor Statistics, total nonfarm employment in Detroit stood at ~2.0 million payrolls, representing an annualized increase of 49,400 jobs or 2.6 percent.
Total nonfarm payroll employment increased by 128,000 jobs in October. Job growth has averaged 167,000 per month thus far in 2019, compared with an average monthly gain of 223,000 in 2018. Employment declined in motor vehicles and parts manufacturing due to strike activity. Federal government employment was also down, reflecting a drop in the number of temporary jobs for the 2020 Census.
A brief presentation of recent population trends in Illinois from 2010 to 2017 along with related commentary. This is part of an ongoing series of presentations on topics relevant to Illinois and the U.S. midwest.
The SVN organization shares a selection of their featured weekly listings via their SVN | Live Weekly Property Broadcast. Visit http://www.svn.com/svn-live-weekly-property-broadcast if you would like to attend, as we open the Broadcast up to the entire brokerage community.
A so-called policy brief from the partisan (Democrat) West Virginia Center on Budget & Policy that encourages the state to adopt a 100-200% increase in the tax on natural gas liquids (NGLs), but granting tax breaks for those who keep NGLs in the state, to be used in petrochemical plants like an ethane cracker.
IAR Public Policy Meetings, January 26, 2011.
Presented by Geoffrey J.D. Hewings, Director, Regional Economics Applications Laboratory - University of Illinois Institute of Government and Public Affairs
Dr. James V. Koch, President Emeritus of ODU, shares an outlook on interconnections of the Hampton Roads and Eastern North Carolina regional economy, highlighting several local issues, and tieing these items to national and global economic trends.
The following slides provide the background data and information that have informed the future trends identified under the health theme. This presentation should be viewed alongside those for the other themes in order for the wider picture to be understood.
Government has a role to provide social programs to its people.
Social programs need to be properly funded and deliver in accordance with value for money
It is nice to provide free things for people, but it not free if someone else is paying for it
There are failures of socialism around the world like Cuba or Venezuela
U.S. employment rate data and trends: March 2014JLL
The U.S. economy added 192,000 jobs in March, a reversal from three months of slowing growth. Unemployment remained stable at 6.7 percent, but improved confidence increased the number of people looking for work. Total unemployment remains above historic norms at 12.7 percent, but 95 percent of jobs have been recovered since the recession. Positive signs include March growth being evenly distributed across industries and spreading more geographically. We expect continued positive momentum throughout 2014.
See details on the data, including demographic, geographic and industry breakdowns, in this report featuring research from the Bureau of Labor Statistics and JLL.
The national economy has finally gained back all jobs lost during recession, 79 months after the recession began. Not only are we back to the pre-recession employment peak—we’re 98,000 jobs above it.
The 217,000 new jobs created in May represent the fourth consecutive month of more than 200,000 payroll additions, the first time that this has happened during the recovery of late. Unemployment held steady at 6.3 percent, as did the labor force participation rate at its low of 62.8 percent.
See details on the data, including demographic, geographic and industry breakdowns, in this report featuring research from the Bureau of Labor Statistics and JLL.
Columbus MSA employment was up 8,200 (0.8 percent) from March to June, ahead of Ohio’s increase of 0.4 percent and the U.S. increase of 0.6 percent, according to the Q2 economic update report produced by Columbus 2020. Going into the second half of the year, unemployment in the Columbus Region continued to decline at 4.6 percent, compared to June state and national rates of 5.5 and 6.1, respectively.
Facts & Figures 2015: How Does Your State Compare?Tax Foundation
How do taxes in your state compare nationally? This convenient pocket-size booklet compares the 50 states on many different measures of taxing and spending, including individual and corporate income tax rates, business tax climates, excise taxes, tax burdens and state spending.
A short presentation on recent economic trends in the metro Chicago region with a particular regard to the suburban or "Collar Counties". While the recovery from the recent recession has been uneven, the region has considerable resources to draw upon and competitive advantages that it has only begun to exploit.
According to the most recent estimates from the Bureau of Labor Statistics, total nonfarm employment in Detroit stood at ~2.0 million payrolls, representing an annualized increase of 49,400 jobs or 2.6 percent.
Total nonfarm payroll employment increased by 128,000 jobs in October. Job growth has averaged 167,000 per month thus far in 2019, compared with an average monthly gain of 223,000 in 2018. Employment declined in motor vehicles and parts manufacturing due to strike activity. Federal government employment was also down, reflecting a drop in the number of temporary jobs for the 2020 Census.
A brief presentation of recent population trends in Illinois from 2010 to 2017 along with related commentary. This is part of an ongoing series of presentations on topics relevant to Illinois and the U.S. midwest.
The SVN organization shares a selection of their featured weekly listings via their SVN | Live Weekly Property Broadcast. Visit http://www.svn.com/svn-live-weekly-property-broadcast if you would like to attend, as we open the Broadcast up to the entire brokerage community.
A so-called policy brief from the partisan (Democrat) West Virginia Center on Budget & Policy that encourages the state to adopt a 100-200% increase in the tax on natural gas liquids (NGLs), but granting tax breaks for those who keep NGLs in the state, to be used in petrochemical plants like an ethane cracker.
IAR Public Policy Meetings, January 26, 2011.
Presented by Geoffrey J.D. Hewings, Director, Regional Economics Applications Laboratory - University of Illinois Institute of Government and Public Affairs
Dr. James V. Koch, President Emeritus of ODU, shares an outlook on interconnections of the Hampton Roads and Eastern North Carolina regional economy, highlighting several local issues, and tieing these items to national and global economic trends.
The following slides provide the background data and information that have informed the future trends identified under the health theme. This presentation should be viewed alongside those for the other themes in order for the wider picture to be understood.
Government has a role to provide social programs to its people.
Social programs need to be properly funded and deliver in accordance with value for money
It is nice to provide free things for people, but it not free if someone else is paying for it
There are failures of socialism around the world like Cuba or Venezuela
U.S. employment rate data and trends: March 2014JLL
The U.S. economy added 192,000 jobs in March, a reversal from three months of slowing growth. Unemployment remained stable at 6.7 percent, but improved confidence increased the number of people looking for work. Total unemployment remains above historic norms at 12.7 percent, but 95 percent of jobs have been recovered since the recession. Positive signs include March growth being evenly distributed across industries and spreading more geographically. We expect continued positive momentum throughout 2014.
See details on the data, including demographic, geographic and industry breakdowns, in this report featuring research from the Bureau of Labor Statistics and JLL.
The national economy has finally gained back all jobs lost during recession, 79 months after the recession began. Not only are we back to the pre-recession employment peak—we’re 98,000 jobs above it.
The 217,000 new jobs created in May represent the fourth consecutive month of more than 200,000 payroll additions, the first time that this has happened during the recovery of late. Unemployment held steady at 6.3 percent, as did the labor force participation rate at its low of 62.8 percent.
See details on the data, including demographic, geographic and industry breakdowns, in this report featuring research from the Bureau of Labor Statistics and JLL.
Columbus MSA employment was up 8,200 (0.8 percent) from March to June, ahead of Ohio’s increase of 0.4 percent and the U.S. increase of 0.6 percent, according to the Q2 economic update report produced by Columbus 2020. Going into the second half of the year, unemployment in the Columbus Region continued to decline at 4.6 percent, compared to June state and national rates of 5.5 and 6.1, respectively.
Extra innings or game over? The outlook for the local and regional economies ...Shay Moser
Lee McPheters, director of the JPMorgan Chase Economic Outlook Center, examined the local and regional economies for 2020.
He's a research Professor of Economics in the W. P. Carey School of Business at Arizona State University and Director of the school’s JPMorgan Chase Economic Outlook Center. The Center maintains the Western Blue Chip Economic Forecast and Greater Phoenix Economic Forecast websites. McPheters also oversees the Job Growth USA website that tracks employment for all industries in the U.S. states and metropolitan areas. The website is frequently used by economists, financial analysts, economic development specialists, and, during election season, fact-checking organizations to evaluate claims by candidates regarding job creation statistics and policies. His writings on the Western region have been quoted in the Wall Street Journal, USA Today, The Economist, Business Week, The New York Times, and Newsweek as well as major metropolitan area newspapers throughout the nation. He has appeared nationally on Good Morning America, Fox News, Marketplace on NPR, and CNN commenting on the economic outlook. As director of the Economic Outlook Center, since 1987 McPheters has delivered a cumulative total of more than 500 speeches and presentations to various public and private audiences at business and academic conferences in Arizona and across the nation.
McPheters has published numerous articles in books and professional journals on various topics, including immigration, executive compensation, monetary policy, international business cycles, and issues in law and economics. At the federal level, his work has been supported by the United States departments of Justice, Transportation, Agriculture, and the Treasury. In Arizona, he has completed research projects for the Arizona Department of Transportation, Sky Harbor International Airport, Boeing, and many other public and corporate sponsors.
McPheters completed his undergraduate studies at San Francisco State University and received his Ph.D. in economics from Virginia Polytechnic Institute. He has been at ASU since 1976, teaching courses at the undergraduate and graduate level in monetary and regional economics. In addition, has held various administrative positions at ASU including Senior Associate Dean for Graduate Programs in the W. P. Carey School of Business from 1991 – 2008.
Columbus Region employment increases are more than double the rate of state and national levels. Year-over-year comparisons for the Region also top state and U.S. increases.
According to the most recent estimates from the BLS, total nonfarm employment in Cincinnati stood at ~1.07 million payrolls, representing an annualized increase of 28,400 jobs or 2.7 percent.
The local employment market entered its third consecutive month of improving conditions with the unemployment rate declining 50 basis points to 5.9 percent.
U.S. employment update and outlook: October 2014JLL
Unemployment dips to 5.9 percent in September—its first time below 6.0 percent during the recovery.
The U.S. economy got back on track in September, bouncing back from a sluggish August with 248,000 net new jobs. Growth occurred across sectors and geographies, with office-using industries in particular benefiting from improved corporate confidence leading to permanent hiring.
Total unemployment, which includes discouraged and marginally detached workers, also declined slightly to 11.8 percent, bringing it below the 10-year average.
With numerous other employment metrics all pointing up—including job openings, voluntary quits and CEO confidence—sentiment will only become more optimistic over the coming months.
See more real estate and economic research at: http://bit.ly/1vIGt6m
Employment increased by 23,000 jobs so the expanding labor force only increased the overall unemployment rate by 30 basis points to 6.3 percent. This is the second consecutive month when unemployment increased.
Did you know total nonfarm payroll employment fell by 701,000 in March 2020, measuring the effects of COVID-19 and efforts to contain it? Employment in leisure and hospitality fell by 459,000, mainly in food services and drinking places. Notable declines also occurred in health care and social assistance, professional and business services, retail trade, and construction.
Whether the Great Recession has ended remains debatable in the second quarter of 2010, though many economists believe that the recession, begun in December 2007, probably ended sometime in the third or fourth quarter of 2009. Recovery also remains debatable. Fears over a double-dip
recession persist.
The Midwest Challenge: Matching Jobs with Education in the Post-Recession Eco...CEW Georgetown
This report finds that the twelve Midwestern states are no longer dependent on manufacturing. New jobs in the region will be in high-skill service industries such as education and healthcare.
This is the Boyle County Employment Report for Q3 2010 compiled by the Boyle County Industrial Foundation and released publicly by the Danville/Boyle County Economic Development Partnership.
A presentation made to the Illinois Higher Education Civic Engagement Collaborative of Chicago on April 26 2019 at the University of Illinois-Chicago by CGS Research Assiciate Brian Harger.
Manufacturing is an integral
part of the Illinois economy.
While it accounts for 12.1% of
the State’s GDP and 7.8% of
total employment, it also
impacts many other sectors of
the economy.
Manufacturers also spend
millions of dollars on goods
and services from local
suppliers, which in turn
supports addiƟonal jobs and
business sales. In addiƟon,
manufacturing workers, as well
as the employees of related
suppliers, spend their earnings
on food, housing,
ransportaƟon, healthcare,
entertainment, and other
consumer goods in their
communiƟes.
When these factors are taken
into account, manufacturing
contributes 24.7% of Illinois’
total GDP and supports one in
five jobs.
A workshop presented by Diana Robinson and Brian Harger to the The Governor's Summit on Work-Based Learning at Illinois Central College in East Peoria on Monday, October 1 2018.
Presentation by Diana Robinson and Brian Harger to the The Governor's Summit on Work-Based Learning at Illinois Central College in East Peoria on Monday, October 1 2018.
A presentation to the Rotary Club of Sterling Illinois discussing recent population trends in Whiteside County and their potential impact on the local economy.
Manufacturing’s total contribution to the Northwest
Illinois economy (GDP) in 2016 was over $2.6 billion;
36.4% of the total GDP of the Region. This infographic summarizes the contribution of manufacturing to the Northwest Illinois economy. The analysis was created by the the Center for Governmental Studies at Northern Illinois University in cooperation with the Whiteside County Department of Economic Development.
A presentation made by Brian Harger and Sherrie Taylor at the Illinois Association for Institutional Research 2017 Annual Forum on the role and process of environmental scanning in higher education.
This report represents a year-long collaboration among economic development and business leaders
in Carroll, Lee, Ogle, Stephenson, and Whiteside counties to identify potential economic development
strategies and projects. The findings are based on personal interviews with business leaders, electronic
surveys of businesses regarding compensation issues, and phone interviews of residents about status and
availability for employment changes. Considerable attention was paid to workforce characteristics and
whether population changes will challenge the ability of employers to hire workers in the future. All of
the information collected contributed to understanding the ways in which the region can position itself
to start, retain, and attract businesses.
This presentation explores recent trends in Illinois manufacturing based on technological intensity. Authored by Brian Harger, Research Associate at the Center for Governmental Studies at Northern Illinois University.
A presentation to the McHenry County Council of Governments made on October 28, 2015 by Brian Harger, Research Associate at the NIU Center for Governmental Studies.
The LaSalle County Mining Coalition and the Illinois Association of Aggregate Producers contracted with the Center for Governmental Studies (CGS) at Northern Illinois University to complete an analysis of the economic contribution of the LaSalle County mining industry. For the
purposes of this analysis the mining industry was defined as the companies that mine and process construction aggregates (sand, gravel and crushed stone), industrial minerals (silica sand) and cement manufacturers, a primary consumer of aggregate materials produced in the area. The objective of the study is to define the contribution of the mining industry to the local economy.
The mining industry has had a significant presence in the Illinois River Valley dating back to the early 19th century turning the area’s abundant natural resources into products used by the construction, transportation, energy and manufacturing sectors throughout the region and beyond. It also supports the local economy by purchasing goods and services from other local businesses, while spending by mining industry employees supports jobs and wages in housing, healthcare, personal services, and retail sectors.
In April 2014, the North Central Illinois Council of Governments (NCICG) contracted with the Center for Governmental Studies (CGS) at Northern Illinois University (NIU) to prepare a regional analysis for the six counties in North Central Illinois. The NCICG offers primary community development services including: Bureau, Grundy, LaSalle, Marshall, Putnam, and Stark counties.
The objective of the regional analysis was to analyze demographic and business trends and characteristics of the region, and ultimately identify industry clusters, or concentrations of competing, complementary, and/or interdependent firms and industries which conduct business with each other and/or have common needs for talent, technology, and infrastructure.
The CGS analysis of the region identified five high potential industry clusters. These clusters are compatible with the existing or proposed land use, zoning, and infrastructure capacity of the development area.
A presentation made by Dr. Norman Walzer on the community visioning process on Tuesday March 25, 2014 at Fisher Chapel on the Rockford University campus. A video of the presentation is available at the Transform Rockford website (http://transformrockford.org/community-engagement/)
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
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NO1 Uk Black Magic Specialist Expert In Sahiwal, Okara, Hafizabad, Mandi Bah...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
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Ten Years After...Illinois Employment Trends Since the Great Recession
1. October, 2019
Ten Years After…
Employment Trends in Illinois
Since the Great Recession
Brian Harger, MS, EDFP, EGc
Research Specialist
2. Synopsis
June 2019 marks the tenth anniversary of the
official end of the last recession.*
• Illinois suffered a net loss of over 325,000 jobs
during the recession.
• Although the national recession ended in June
2009, unemployment throughout Illinois
continued to clime in over the next seven
months.
• Unemployment in the State peaked at 12.2% in
January 2010 with over 802,000 jobless
Illinoisans.
• Downstate metropolitan and rural areas were
among the hardest hit, although the Chicago
area experienced the greatest number of jobs
lost.
* The Business Cycle Dating Committee of the National Bureau of Economic
Research (nber.org) has determined that the recent expansion cycle began in
June 2009.
Area Name
Non-Farm
Employment**
Change
12/2007 – 6/2009
12/2007 6/2009 Number Percent
State of Illinois 6,351,796 6,026,460 -325,336 -5.1%
Chicago Metro Area 4,261,714 4,068,227 -193,487 -4.5%
Downstate Metro Areas 1,343,568 1,251,961 -91,607 -6.8%
Micropolitan Areas 447,897 423,121 -24,776 -5.5%
Rural Counties 298,606 283,151 -15,455 -5.2%
Non-Metro Counties 746,503 706,272 -40,231 -5.4%
**Data is not seasonally adjusted.
Source: U.S. Bureau of Labor Statistics, 2019.
3. Synopsis
Since the recession, the Illinois economy
experienced a much slower recovery than
neighboring states or the nation.
• Illinois gained of 285,700 jobs between June
2009 and June 2019. However, there are almost
40,000 fewer jobs now than were lost during the
recession.
• The Chicago metro area has been the primary
beneficiary of job growth in the State a since the
recession, adding 290,000 jobs.
• Downstate metro areas experienced modest
gains in overall employment, while the non-
metro counties continue to decline.
• Sixty-two Illinois counties had fewer jobs in June
2019 than in June 2009.
Area Name
Non-Farm
Employment**
Change
6/2009 – 6/2019
6/2009 6/2019 Number Percent
State of Illinois 6,026,460 6,312,161 285,701 4.7%
Chicago Metro Area 4,068,227 4,358,234 290,007 7.1%
Downstate Metro Areas 1,251,961 1,282,180 30,219 2.4%
Micropolitan Areas 423,121 400,894 -22,227 -5.3%
Rural Counties 283,151 270,850 -12,301 -4.3%
Non-Metro Counties
(Micropolitan + Rural Counties)
706,272 671,744 -34,548 -4.9%
**Data is not seasonally adjusted.
Source: U.S. Bureau of Labor Statistics, 2019.
4. Illinois Employment Change by County
Percent Change
12/2007-6/2009
Percent Change
6/2009-6/2019
10.0% or more
5.0% to 9.9%
0.1% to 4.9%
No Change
-0.1% to -4.9%
-5.0% to -9.9%
-10.0% or more
Source: U.S. Bureau of Labor Statistics, 2019.
Note: Non-farm employment data is not seasonally adjusted.
5. Regional Overview: The Recession
Illinois’ job losses in the recession were among the
highest in the Midwest. Only Michigan reported a
larger drop in non-farm employment.
• Iowa and Minnesota experienced the smallest
employment losses.
State Net Job
Change
Iowa -8,539
Minnesota -32,602
Kentucky -46,824
Missouri -48,302
Wisconsin -68,173
Indiana -152,292
Ohio -312,210
Illinois -325,336
Michigan -357,185
• Metropolitan counties in the states around Illinois
experienced losses similar to that of the Chicago metro
area, but less than most of the downstate metros.
• Non-metropolitan counties in the surrounding states
also experienced proportionally smaller job losses than
those in Illinois.
Non-Farm Employment (6/2009)
Net Change (12/2007-6/2009)
Percent Change (12/2007-6/2009)
IOWA
1,592,857
-8,539
-0.5
MINNESOTA
2,731,686
-32,602
-1.2
Source: U.S. Bureau of Labor Statistics, 2019.
Note: Non-farm employment data is not seasonally adjusted.
WISCONSIN
2,872,995
-68,180
-2.3
MICHIGAN
4,265,921
-357,185
-7.7
MISSOURI
2,809,948
-48,302
-1.7
ILLINOIS
6,026,460
-325,336
-5.1
INDIANA
2,901,243
-152,292
-5.0
OHIO
5,329,761
-312,210
-5.5
KENTUCKY
1,871,543
-46,824
-2.4
6. Regional Overview: The Recovery
MINNESOTA
2,962,783
+231,100
+8.5 WISCONSIN
3,018,063
+145,060
+5.0
IOWA
1,697,477
+104,620
+6.6
MISSOURI
2,922,897
+112,954
+4.0
MICHIGAN
4,728,548
+462,622
+10.8
INDIANA
3,298,895
+397,652
+13.7
OHIO
5,570,542
+240,785
+4.5
KENTUCKY
1,992,463
+120,920
+6.5
Non-Farm Employment (6/2019)
Net Change (6/2009-6/2019)
Percent Change (6/2009-6/2019)
ILLINOIS
6,312,161
+285,700
+4.7
Source: U.S. Bureau of Labor Statistics, 2019.
Note: Non-farm employment data is not seasonally adjusted.
Although Illinois added 285,700 jobs since the
recession ended, its job growth has been much
slower and weaker than its neighbors.
State Net Job
Change
Michigan 462,622
Indiana 397,652
Ohio 240,785
Minnesota 231,100
Illinois 285,700
Wisconsin 145,060
Kentucky 120,920
Missouri 112,954
Iowa 104,620
• Job growth in Illinois since the recession has been
proportionally smaller than in the surrounding states.
• Within Illinois, most job growth has been concentrated
in the Chicago metro area.
• More than half of the downstate metro areas have
lower overall employment now than at the end of the
recession.
7. Illinois Metro Areas: Employment Change
Metropolitan Area
Non-Farm
Employment
Change Unemployment
Rate 6/2019
6/2009 6/2019 Number Percent
Chicago 4,068,227 4,358,234 290,007 7.1% 4.0%
St. Louis (IL part) 315,900 337,631 21,731 6.9% 3.9%
Rockford 146,221 161,248 15,027 10.3% 5.3%
Champaign-Urbana 107,852 114,259 6,407 5.9% 3.8%
Kankakee 50,069 53,453 3,384 6.8% 4.3%
Springfield 108,071 108,782 711 0.7% 3.6%
Davenport-Moline-Rock Island
(IL part)
103,135 102,405 -730 -0.7% 4.2%
Decatur 48,944 48,113 -831 -1.7% 5.0%
Danville 33,080 31,720 -1,360 -4.1% 4.7%
Bloomington 92,817 90,437 -2,380 -2.6% 3.7%
Carbondale-Marion 59,495 56,598 -2,897 -4.9% 4.0%
Peoria 182,329 175,521 -6,808 -3.7% 4.1%
Source: U.S. Bureau of Labor Statistics; Illinois Department of Employment Security, 2019.
Decatur
Bloomington
Danville
Kankakee
Rockford
Champaign-
Urbana
Carbondale-
Marion
Peoria
Chicago
Springfield
St. Louis
(IL part)
Davenport-Rock Island-
Moline (IL part)
8. Illinois Non-Metro Areas: Employment Change
Although rural counties across the Midwest have suffered a steady
decline in jobs and population over the past decades, this trend has
accelerated in the wake of the recession. In Illinois the impact has been
especially acute.
• Non-farm employment in Illinois’ non-metropolitan counties fell by -5.4% (40,231)
during the recession. Since the recession, employment has declined by an additional -
4.9% (34,528).
• This represents a combined loss of nearly 75,000 jobs from the beginning of the
recession until June 2019.
• Compared to many of its neighbors, employment trends in Illinois’ non-metropolitan
counties has been markedly worse both during and after the recession.
State (Non-Metropolitan Counties)
Employment Change
12/2007 – 6/2009 6/2009 – 6/2019
Illinois -40,231 -34,528
Indiana -43,537 71,354
Iowa -7,891 6,805
Kentucky -9,363 -42,913
Michigan -28,958 94,645
Minnesota 20,738 30,093
Missouri -8,006 -49,252
Ohio -75,569 25,007
Wisconsin 5,553 2,005
Source: U.S. Bureau of Labor Statistics, 2019
9. Regional Overview: Unemployment vs. LFPR
MINNESOTA
WISCONSIN
IOWA
MISSOURI
MICHIGAN
INDIANA
OHIO
KENTUCKY
ILLINOIS
Source: U.S. Bureau of Labor Statistics, 2019.
Note: Non-farm employment data is not seasonally adjusted.
10.7
4.0
66.8
64.5
10.8
3.3
65.3
64.9
6.6
2.6
71.8
68.4
11.0
4.9
61.9
59.1
15.3
4.4
62.5
61.4
8.2
4.1
72.3
69.9
9.7
3.5
66.5
63.6
10.9
4.1
66.0
62.4
9.0
3.5
70.6
67.9
Even though unemployment rates are at record
lows and employers in many industries complain
of labor shortages, the level of non-farm
employment in Illinois is lower now than at the
beginning of the recession (December 2007).
• Illinois has nearly 40,000 fewer people employed
now than in December 2007, the beginning of the
recession. This is in marked contrast to most of its
neighbors.
• The recent record low unemployment rates are
somewhat misleading because much it of has been
the result of falling labor force participation, rather
than an increase in the number of jobs.
• Aging population and a growing wave of retiring
Baby-Boomers can account for some of the decline,
but other factors are also involved.
• These include discouraged workers dropping out of
the job market, rising rates of disability and
addiction, and alternative forms of earning an
income (i.e. the “gig” economy) also play a role.
Unemployment Rate
(6/2009)
Unemployment Rate
(6/2019)
Labor Force Participation
(2009)
Labor Force Participation
(2018)
Change in Non-Farm Employment
(12/2007 – 6/2019)
+262,863
+147,171
+96,081
+74,096
+164,523
+108,298
-39,635
+245,360
-22,810
10. Industry Employment Trends
Source: U.S. Bureau of Labor Statistics, 2019.
Note: Non-farm employment data is not seasonally adjusted.
Illinois’ slow recovery from the last recession
may be due in part to the mix of industries
that drive the State’s economy.
• Illinois and it neighbors are part of the “Rust Belt”
region where resource-based industries such as
agriculture, mining and manufacturing were the
dominant players for many years.
• As employment in these industries declined in the
late 20th Century, others such as healthcare,
financial activities, and professional and business
services grew in terms of the number of jobs, as
well as in their share of total employment.
• The job growth in these “new economy”
industries is concentrated in the larger metro
areas, especially Chicago, while most of the
downstate areas struggled with weaker job
growth in predominantly blue-collar and lower-
skilled service industries.
• The construction industry also had slower growth
after the recession, partly due to the lingering
effects of the home mortgage crisis of the mid-
2000s.
0.0
-36.1
-102.7
-20.4
-69.2
0.8
-23.9
-9.7
-24.2
-89.5
-0.3
18.8
16.7
1.1
-3.7
-1.9
13.5
24.8
15.6
-1.7
1.1
74.0
-15.5
26.1
197.8
18.5
114.8
128.3
-1.6
-21.4
-200.0 -100.0 0.0 100.0 200.0 300.0
Natural Resources and Mining
Construction
Manufacturing
Wholesale Trade
Retail Trade
Utilities
Transportation and Warehousing
Information
Financial Activities
Professional and Business Services
Education Services
Health Care and Social Assistance
Leisure and Hospitality
Other Services
Government
Thousands of Jobs
Change in Illinois’ Non-Farm Employment Through
Recession and Recovery
Net Change 6/2009 - 6/2019
Net Change 12/2007 - 6/2009
11. Industry Employment Trends
Source: U.S. Bureau of Labor Statistics, 2019.
Note: Non-farm employment data is not seasonally adjusted.
• Leisure and hospitality services is one of only
two sectors that added jobs during and after
the recession, but many of those jobs are
part-time and pay less than the jobs lost in
other industries during the recession.
• Transportation and warehousing is a growth
industry after the recession, capitalizing on
Illinois strategic location at the center of the
North American road, rail and air
transportation network.
• Job losses in government and education
occurred across the State, but the impacts
can be particularly acute in rural
communities where universities and
community colleges, correctional institutions
and local schools are often the largest
employers and the primary sources of high
paid jobs.
0.0
-36.1
-102.7
-20.4
-69.2
0.8
-23.9
-9.7
-24.2
-89.5
-0.3
18.8
16.7
1.1
-3.7
-1.9
13.5
24.8
15.6
-1.7
1.1
74.0
-15.5
26.1
197.8
18.5
114.8
128.3
-1.6
-21.4
-200.0 -100.0 0.0 100.0 200.0 300.0
Natural Resources and Mining
Construction
Manufacturing
Wholesale Trade
Retail Trade
Utilities
Transportation and Warehousing
Information
Financial Activities
Professional and Business Services
Education Services
Health Care and Social Assistance
Leisure and Hospitality
Other Services
Government
Thousands of Jobs
Change in Illinois’ Non-Farm Employment Through
Recession and Recovery
Net Change 6/2009 - 6/2019
Net Change 12/2007 - 6/2009
12. Key Takeaways
• Since the recession, the Illinois economy has
experienced a much slower recovery than neighboring
states or the nation.
• Although Illinois has added 285,700 jobs over the ten
years since the recession ended there are still 40,000
fewer jobs in the State now than at the beginning of the
recession.
• Downstate metros and rural counties were
disproportionally impacted by job losses during the
recession, with many continuing to lose jobs after the
recession.
• Over half of Illinois’ counties had lower overall
employment in June 2019 than at the end of the
recession.
• Predominantly “white-collar” service industries
(especially healthcare, education and professional and
business services) experienced much higher job growth
after the recession than “blue-collar” sectors, such as
manufacturing and construction.
13. Looking Ahead…
As speculation continues as to the timing and magnitude of
the next recession, Illinois is in a vulnerable position.
The challenge going forward is how Illinois can capitalize on
new technologies, talent development and its strategic
location to maintain its economic vitality in the face of:
• An aging population and a continuing wave of Baby Boomer
retirements.
• Changing consumer demand and spending patterns based
on the shifting demographics.
• A shrinking working-aged population with fewer young
people coming into the workforce.
• Uncertain fiscal outlook for state and local governments.
14. Further Information
bharger@niu.edu
815.753.0934
https://www.linkedin.com/in/brianharger/
https://www.slideshare.net/BrianHarger/
https://www.cgs.niu.edu
Selected Resources
Harger B., “Ten Years After… Employment Trends in Illinois Since the Great Recession”
Policy Profiles. [forthcoming] 2019. DeKalb: Center for Governmental Studies, Northern
Illinois University.
Walzer N. and Harger B., “The Future of Rural Illinois: Predicaments and Possible
Solutions” Policy Profiles. Vol. 18, No. 1, June 2018. DeKalb: Center for Governmental
Studies, Northern Illinois University.
Peters, D., “Shrink-Smart Towns: Communities Can Still Thrive As They Lose Population”
ISU Small Towns Project, November 2017, Extension and Outreach, Iowa State University.
Walzer N. and Harger B., “The Rural Exodus: What Should be Done to Respond to the
Loss of Rural Population” Illinois Issues. August 10, 2017. DeKalb: Center for
Governmental Studies, Northern Illinois University.
Walzer N. and Harger B., “Unemployment, Labor Force Participation and The Illinois
Work Force ” Policy Profiles. Vol. 17, No. 1, June 2017. DeKalb: Center for Governmental
Studies, Northern Illinois University.
Blanke A. and Walzer N., “Workforce Turnover and Replacement In Downstate Illinois”
Policy Profiles. Vol. 15, No. 3, October 2015. DeKalb: Center for Governmental Studies,
Northern Illinois University.
Blanke A. and Walzer N., “Illinois in the Post-Recession Recovery: A Fresh Look at the
State’s Progress” Policy Profiles. Vol. 13, No. 2, October 2014. DeKalb: Center for
Governmental Studies, Northern Illinois University.
Contact
Brian L. Harger, MS, EDFP, EGc
Research Specialist
Center for Governmental Studies
Northern Illinois University
148 North Third Street
DeKalb, Illinois 60115