Tim Williams, Chief Executive of the Committee for Sydney, gave this presentation as a framing for a workshop in Sydney between U.S. and Australian economic development leaders.
The Global Cities Index (GCI) provides a comprehensive ranking of the leading global cities from around the world. It is designed to track the way cities plan as their populations grow and the world continues to shrink.
ISPIM Future Agenda - Six key challenges and major innovation opportunities...Future Agenda
A keynote at ISPIM conference in Porto on 20 June 2016 sharing insights from the latest Future Agenda programme. Focuses initially on the 6 key challenges for for next decade for future of people, place, power, belief, behaviour and business. Then shares some views from global discussions on the world in 2025 before adding in 6 major innovation opportunities for the next decade include food waste, data marketplaces, sanitation, ethical machines and deeper collaboration.
This is shared with the innovation community to hopefully inspire new actions.
Presentation by Joel Kotkin
Presidential Fellow, Chapman University, Senior Consultant Praxis Strategy Group
National Conference on Corporate Community Investment
Business Civic Leadership Center,
US Chamber of Commerce.
Anaheim, CA
April 29, 2009
Future of Currency - public share July 2016Future Agenda
This is a synthesis of insights from last year's Future Agenda discussions on the future of currency. It builds on the three events hosted by Six capital and adds in further context and implications for business, government and society. It is a global view of the changes taking place and how they may impact finance, trade and wider society and is being shared to help inform, challenge and focus wider action. We hope you find it interesting.
The Global Cities Index (GCI) provides a comprehensive ranking of the leading global cities from around the world. It is designed to track the way cities plan as their populations grow and the world continues to shrink.
ISPIM Future Agenda - Six key challenges and major innovation opportunities...Future Agenda
A keynote at ISPIM conference in Porto on 20 June 2016 sharing insights from the latest Future Agenda programme. Focuses initially on the 6 key challenges for for next decade for future of people, place, power, belief, behaviour and business. Then shares some views from global discussions on the world in 2025 before adding in 6 major innovation opportunities for the next decade include food waste, data marketplaces, sanitation, ethical machines and deeper collaboration.
This is shared with the innovation community to hopefully inspire new actions.
Presentation by Joel Kotkin
Presidential Fellow, Chapman University, Senior Consultant Praxis Strategy Group
National Conference on Corporate Community Investment
Business Civic Leadership Center,
US Chamber of Commerce.
Anaheim, CA
April 29, 2009
Future of Currency - public share July 2016Future Agenda
This is a synthesis of insights from last year's Future Agenda discussions on the future of currency. It builds on the three events hosted by Six capital and adds in further context and implications for business, government and society. It is a global view of the changes taking place and how they may impact finance, trade and wider society and is being shared to help inform, challenge and focus wider action. We hope you find it interesting.
The purpose of this report is to take 50 of the world’s most prominent cities and look at how viable they are as places to live, their environmental impact, their financial stability, and how these elements complement one another.
All 50 of these brilliantly different cities are in various stages of evolution – some being further along the sustainability journey than others. Each possesses its own geolocation and cultural distinctions but shares common urban challenges in the areas of job creation, mobility, resiliency and improving the quality of life of its residents.
NB: Press Cutting Service
This article is culled from daily press coverage from around the world. It is posted on the Urban Gateway by way of keeping all users informed about matters of interest. The opinion expressed in this article is that of the author and in no way reflects the opinion of UN-Habitat
Author: ARCADIS
Category: Report
Cities have long birthed advances in the sciences, arts, human rights, business and government. Millions of people have moved to cities for better lives or services unavailable elsewhere.
But as cities grow, so are problems stemming from stretched transportation, energy and water infrastructure.
What cities make the best destinations for career-oriented professionals? How do locations stack up against each other?
Find out in the Career city index.
Cities have never been more important for human well-beingand economic prosperity. Half of the world’s population livesin urban areas, while about 80 per cent of the world’s outputis produced in cities. And it is expected that the vast majorityof all new jobs will be urban. These will provide incomes tobillions and raise hundreds of millions of people out of poverty.South Africa’s situation is similar, with economic growthbeing disproportionately generated in the biggest cities, and agrowing proportion of people living in urban areas. However,only 60 per cent of the country is currently urbanised,suggesting more urbanisation is to come. If the next waveof city growth is managed well, it can accelerate economicgrowth and job creation, and improve people’s quality of life.This is what well-managed cities do: they raise incomes bymaking people more productive and creating opportunitiesthat cannot exist anywhere else. Historically, urbanisationhas been linked with industrialisation, which has bothfacilitated cities’ growth and depended on it. Cities have alsomade possible the efficient delivery of all kinds of services —energy, water, health, education, finance, logistics, media,transport, etc.
The purpose of this report is to take 50 of the world’s most prominent cities and look at how viable they are as places to live, their environmental impact, their financial stability, and how these elements complement one another.
All 50 of these brilliantly different cities are in various stages of evolution – some being further along the sustainability journey than others. Each possesses its own geolocation and cultural distinctions but shares common urban challenges in the areas of job creation, mobility, resiliency and improving the quality of life of its residents.
NB: Press Cutting Service
This article is culled from daily press coverage from around the world. It is posted on the Urban Gateway by way of keeping all users informed about matters of interest. The opinion expressed in this article is that of the author and in no way reflects the opinion of UN-Habitat
Author: ARCADIS
Category: Report
Cities have long birthed advances in the sciences, arts, human rights, business and government. Millions of people have moved to cities for better lives or services unavailable elsewhere.
But as cities grow, so are problems stemming from stretched transportation, energy and water infrastructure.
What cities make the best destinations for career-oriented professionals? How do locations stack up against each other?
Find out in the Career city index.
Cities have never been more important for human well-beingand economic prosperity. Half of the world’s population livesin urban areas, while about 80 per cent of the world’s outputis produced in cities. And it is expected that the vast majorityof all new jobs will be urban. These will provide incomes tobillions and raise hundreds of millions of people out of poverty.South Africa’s situation is similar, with economic growthbeing disproportionately generated in the biggest cities, and agrowing proportion of people living in urban areas. However,only 60 per cent of the country is currently urbanised,suggesting more urbanisation is to come. If the next waveof city growth is managed well, it can accelerate economicgrowth and job creation, and improve people’s quality of life.This is what well-managed cities do: they raise incomes bymaking people more productive and creating opportunitiesthat cannot exist anywhere else. Historically, urbanisationhas been linked with industrialisation, which has bothfacilitated cities’ growth and depended on it. Cities have alsomade possible the efficient delivery of all kinds of services —energy, water, health, education, finance, logistics, media,transport, etc.
Rhode Island innovates: A competitive strategy for the Ocean State
In the fall and winter of 2015–2016, the Metropolitan Policy Program at Brookings worked in association with Battelle Technology Partnership Practice (now TEConomy Partners, LLC) and Monitor Deloitte to advance a new competitive strategy for the state of Rhode Island.
This slideshow summary of the project’s final conclusions finds that Rhode Island possesses unique assets for building an advanced economy that works for all but stands weakened by the decline of its core “advanced industries.” Given that erosion, the slideshow asserts that five advanced industry and two “opportunity industry” growth areas hold out solid potential for growth in the Ocean State and recommends that Rhode Island should embark on a three-part strategy to strengthen its advanced industries and improve its statewide platform for growth.
The geography of innovation is shifting and a new model for innovative growth is emerging. In contrast to suburban corridors of isolated corporate campuses, innovation districts combine research institutions, innovative firms and business incubators with the benefits of urban living. These districts have the unique potential to spur productive, sustainable, and inclusive economic development.
On September 9, 2014, Brookings Vice President Bruce Katz presented a keynote to the San Francisco Chamber of Commerce's annual ForeCast SF event.
On June 9 in Washington, DC, the Metropolitan Policy Program at Brookings released “The Rise of Innovation Districts,” a report analyzing the new geography of innovation in America. The authors of the paper, Brookings Vice President Bruce Katz and Nonresident Senior Fellow Julie Wagner, were joined by leaders from emerging innovation districts across the country to discuss this shift and provide guidance to U.S. metro areas on ways to harness its potential.
The report is available here: http://www.brookings.edu/about/programs/metro/innovation-districts
Presentation on Siemens vocational education and training strategy by Jurgen Siebel on November 19, 2014 as part of the Global Cities Initiative study tour in Nuremberg.
Brookings Trustee Antoine van Agtmael, senior advisor at public-policy advisory firm Garten Rothkopf and coiner of the term 'emerging market' presents his book, "The Smartest Places on Earth", written with Fred Bakker, former business and finance journalist for Holland’s Het Financieele Dagblad. Originally presented on April 6, 2016 at the Brookings Institution.
We are very pleased to share the full report from our Future of Cities project – now available as PDF on SlideShare and as digital print via Amazon.
As previously shared in PPT format (https://www.slideshare.net/futureagenda2/future-of-cities-2017-summary), this is the detailed synthesis of insights gained from multiple discussions around the world. It brings together views on how cities are changing from a wide range of experts from 12 workshops undertaken over the past 2 years in Beirut, Christchurch, Delhi, Dubai, Guayaquil, Mumbai, Singapore, London, Toronto and Vienna.
Cities are where most of us choose to live, work and interact with others. As a result they are where innovation happens, where most ideas form and from which economic growth largely stems. They are also where significant problems can first emerge and where challenges are magnified.
This report explores some of the common challenges found in urban areas such as managing migration, countering inequality and sustainable scaling; highlights shared ambitions of having healthier, accessible and more intelligent cities; and also details some of the emerging concerns around creating cities that are safe, resilient and open to broader collaboration.
As a compilation of thoughts and ideas from a host of experts we would foremost like to thank all of the many workshop participants for their input. Without your views we would not be able to curate this synthesis. In addition we would also like to thank others who have added in extra content, shared reports and reviewed the core document. We hope that this reflects all your varied perspectives.
Going forward, we also hope that this will be of use to those leading cities, designing new districts, developing policy and exploring opportunities for urban innovation. We know that several cities are already using the insights as stimulus for challenging strategy and stimulating innovation. In addition, linking into to another Growth Agenda driven project looking at the Worlds Most Innovative Cities (https://www.linkedin.com/pulse/innovation-hot-spots-countries-vs-cities-tim-jones), this is also being used as part of events designed to help future leaders identify how and where they can make most impact.
As with all Future Agenda open foresight projects the output is shared under Creative Commons (Non Commercial) and so we trust that you may find it useful. This PDF on slideshare can be freely downloaded and shared. If you want to print out the report, the easiest way is to order a digital hardcopy via Amazon (for which they unfortunately charge a fee) but this is a quick and high quality print.
Smart Cities - Why they're not working for us yet.Rick Robinson
My presentation to the April 2016 Eurocities Knowledge Sharing Forum in Rennes. My focus was on describing Smart Cities as an economic and political challenge; and exploring the policy mechanisms that could be used to incentivise private sector investments in business and technology to support local social, economic and environmental outcomes. Further description and supporting evidence for these ideas can be found at https://theurbantechnologist.com/2016/02/01/why-smart-cities-still-arent-working-for-us-after-20-years-and-how-we-can-fix-them/
We are delighted to share our insights to date on the Future of Cities. This is being released before our upcoming event in Singapore on 14 July 2016, to be led by Anupam Yog and Patrick Harris.
Future Agenda would like to thank Haworth for their kind hosting of the event on the 14th and The Partners who are kindly helping us with logistics in advance. Material here is from an initial perspective written by Harry Rich, CEO RIBA and which has been built upon subsequently with conversations in Dubai, Christchurch NZ, Singapore and Beiruit.
More Future of Cities workshops are planned throughout 2016 for Los Angeles, Shanghai, London and Dubai.
Comments very welcome.
Whole systems change across a neighbourhood
How can we collaborate with people to help them build their resilience? Get under the skin of the culture and the lives people live. Identify people’s feelings and experiences of community and understand what people think is shaped by different values and by the environment and infrastructure around them. The future of collaboration could bring many opportunities but people find it more difficult to live and act together than before. How can we help people…and communities build their resilience? Understand people’s different situations and capabilities to develop pathways that help them build resilient relationships. Help people experience and practice change together. Help people grow everyday practices into sustainable projects. Turn people’s everyday motivations into design principles. Support infrastructure that connects different cultures of collaboration. Build relationships with people designing in collaboration for the future…now.
This benchmarking study, developed by the Brookings Metropolitan Policy Program, provides the Greater Charlotte region with a framework and data to better understand its performance and position in the global economy, offering information and insights to help leaders more actively shape the region’s economic strategy.
Presentation given by Brookings' Marek Gootman at a workshop between U.S. and Australian leaders entitled "Building and Sustaining Globally Competitive Regions."
Presentation by Bruce Katz, VP of the Brookings Institution, on February 5 2015 in Washington DC.
For more on advanced industries, visit www.brookings.edu/advancedindustries
__
Innovation and STEM-worker (science, technology, engineering, and math) intensive “advanced industries” are the prime movers of regional and national economic competitiveness in the United States. Industries like aerospace and auto, oil and gas extraction, or software and health IT stand at the forefront of the most disruptive technological and business dynamics of the moment, and will be central to U.S. prosperity going forward.
To consider the future of these industries, the Brookings Institution’s Metropolitan Policy Program hosted a major CEOs forum highlighting the importance of the nation’s advanced industries and the opportunities and challenges they face. Informed by new research from Brookings, the morning-long dialogue convened advanced industry CEOs as well as elected officials to discuss the increased viability of the U.S. platform for advanced industry investment as well as the extraordinary technology trends now altering the terms of competition.
Learn more about Diversity Explosion:
http://www.brookings.edu/research/reports2/2014/11/diversity-explosion
__________
At its optimistic best, America has embraced its identity as the world’s melting pot. Today it is on the cusp of becoming a country with no racial majority, and new minorities are poised to exert a profound impact on U.S. society, economy, and politics.
Through a compelling narrative and eye-catching charts and maps, eminent demographer William H. Frey interprets and expounds on the dramatic growth of minority populations in the United States. He finds that without these expanding groups, America could face a bleak future: this new generation of young minorities, who are having children at a faster rate than whites, is infusing our aging labor force with vitality and innovation.
Diversity Explosion shares the good news about diversity in the coming decades, and the more globalized, multiracial country that U.S. is becoming.
Presentation on the State of Bavaria's economy, skills and innovation profile by Dr. Wolfgang Hübschle from Invest in Bavaria.
This presentation opened the 2014 Global Cities Initiative study tour of Munich, Germany, on November 18 2014.
Presentation on advanced industries and the German innovation and workforce model,by Bruce Katz, of the Brookings Metropolitan Policy Program, to a U.S. delegation of public, private, and civic leaders.
This presentation opened the 2014 Global Cities Initiative study tour of Munich, Germany, on November 18 2014.
Presentation by Bruce Katz, Vice President of the Brookings Institution and Director of the Metropolitan Policy Program.
Global Cities Initiative forum in Louisville, KY on June 26, 2014.
The Global Cities Initiative is a Joint Project of Brookings and JPMorgan Chase.
For more information: http://www.brookings.edu/projects/global-cities.aspx
Presentation by Bruce Katz, Vice President of the Brookings Institution and Director of the Metropolitan Policy Program.
Global Cities Initiative forum in Seattle, WA on April 10, 2014.
The Global Cities Initiative is a Joint Project of Brookings and JPMorgan Chase.
For more information: http://www.brookings.edu/projects/global-cities.aspx
On April 3, 2014, Amy Liu gave a presentation at NASBITE’s Annual Forum in Memphis, TN. The presentation outlines how, despite national progress with exports, the U.S. remains an under exporter; and cities and metro areas are at the vanguard of helping the economy become more productive, globally oriented and prosperous.
The Metropolitan Revolution, presented by Bruce Katz at the National Association of Counties, Large Urban Counties Caucus Innovations Symposium in New York City on December 13, 2013.
Jorge Gutiérrez de Velasco Rodríguez, the Rector of the Universidad Aeronáutica en Querétaro, presented the university's model for training workers for the region's aerospace industry.
Federico Quinzaños, the state of Querétaro's International Relations Coordinator, provided an overview of the state of Querétaro's economy and global engagement strategy.
More from Brookings Metropolitan Policy Program (20)
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
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@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
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
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
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.
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,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
how can i use my minded pi coins I need some funds.
Sydney: Success and Equity in a Global City - The Next Stage
1. SYDNEY: SUCCESS AND EQUITY IN
A GLOBAL CITY - THE NEXT STAGE?
Dr Tim Williams
Chief Executive
Committee for Sydney
1
2. Sydney Overview
• City with great momentum
• Effective government
• Budget surplus from growth
• Big infrastructure spend
• Big challenges remain
• Growth from 4 to 8m: up or out
• East –west /core periphery divides/Talent attraction
• Sprawl model v Public transport for all/walkable centres
• No metro governance or funding/state gov silos/too big/too small (41
councils):GSC?
• Can we grow our core sectors’ international market?
3. This is what economic success looks like : Sydney’s GDP growth:
4% in 2014: Overall Greater Sydney share of national wealth rose
to 23%: over 70% of NSW total.
3
4. Partly driven by big construction / infrastructure
investment: also Sydney’s high labour productivity of
FS/prof services
6. Income Generated by Fin & Insurance Services
(AUD)
City Income $Billion AUD
Global Financial
Centres Index Rank
Sydney $55.2 23
Hong Kong $54.7 3
Melbourne $34.0 24
Singapore $38.3 4
12. 12
Not surprising broader trends: Cities – where
the world’s population and wealth going:
particularly in global south…
2010 metropolitan population:
13. 13
Size of the global metropolitan market
70% of world population of 9 billion by 2050
70 million people per year added to developing world
cities
2 billion strong ‘consumer class’ in emerging market cities
2050
17. 17
Australian cities: low density sprawl, dispersed exurbia / under-
crowding: will Sydney carry on with this model on way from 4 -
8m? Up/out? Evidence that shift underway to more dense
cities…but politicians and media behind curve ?
18. So very urban society in an unusual way: small number
/large cities/edge: 23 m in a space US has 300
20. Success is posing challenges /6%
first time buyers/70% 35 year olds
Source: Demographia, 11th Annual International Housing Affordability Survey 2015
22. 22
Some big trends re-shaping the city KE value jobs (orange
trend) v residential trend (sort of purple): massive trends
which our current governance and policy structure are not fit
to respond to
23. And some sector imbalances: leading to
spatial pressures: decline of manufacturing
is a geography too
23
24. Also Business has rediscovered cities and
is urbanising services: City Brands. But…
Sustainability
/ Eco-Cities
Siemens
GE
Arup
Bombardier
The ‘City of the
Future’
Audi
Deutsche Bank
Microsoft
Atkins
GDF Suez
Liveability
Mercer
Monocle
Grosvenor
Global Cities
JP Morgan
Aecom
AT Kearney
Smart Cities +
Networks
Cisco
Ericsson
IBM
Cap Gemini
Bird + Bird
25. This is geography too: Business is re-urbanising to CBDs
where knowledge workers are and want to be
Australia
• 42 major tenants moved from suburban locations to
Melbourne CBD between 2008 and 2013 (JLL).
UK
• 8/10 of Britain’s largest cities have seen private sector
jobs become more concentrated in city centres since
2008 (Centre for Cities).
• Cities with high proportions of Knowledge Intensive
Business Services (KIBS) jobs have experienced
particularly strong re-urbanisation.
• Larger cities tend to have higher proportions of KIBS
jobs e.g. London – almost 50% jobs are KIBS.
• Examples
- Google, Amazon and LinkedIn: acquired major
new premises in central London
- BUPA, Jacobs (engineering): Business parks of
Cheshire to Manchester city centre
Distribution of Private Sector jobs in Milton
Keynes, 2011 (Centre for Cities)
26. In Asia too as well as Europe
China
• In Beijing, core area office vacancy rate declined from 20.7% in 2009 to 4.2% in mid 2013 (Cushman
+ Wakefield).
• Trend is for foreign multinationals entering China to locate HQs in central areas, with back-office
business (R&D, logistics and data management) in suburban areas (Cushman + Wakefield).
Philippines
• Extraordinary office growth in central Manila and other cities fuelled by booming business process
outsourcing (BPO) sector.
• BPO workers are buying apartments close to work to avoid long commutes in heavy traffic, new
work-shop-live complexes have emerged in central urban areas (Oxford Business Group 2012)
Japan
• Tokyo CBD is expected to see the highest absorption of office spaces in the APAC region in 2014
(Cushman + Wakefield).
Major European Cities
• In Brussels, Paris, Amsterdam, Madrid, Berlin, Frankfurt, Munich and London cheaper rents in CBD
locations during the Global Financial Crisis attracted more occupiers to central areas, pushing up
average share of office take-up to 40% in 2010 compared to 33% in 2007 (Savills).
31. A demographic perfect storm: biggest demographic
event since the baby boom
• Meanwhile, the generation raised on Friends is not the only major cohort looking for new places
to live. There’s a larger one: the millennials’ parents, the front-end boomers. They are citizens
that every city wants—significant personal savings, no schoolkids. And empty nesters want
walkability:
•
With the leading edge of the boomers now approaching sixty-five years old, the group is finding
that their suburban houses are too big. Their child-rearing days are ending, and all those empty
rooms have to be heated, cooled, and cleaned, and the unused backyard maintained. Suburban
houses can be socially isolating, especially as aging eyes and slower reflexes make driving
everywhere less comfortable. Freedom for many in this generation means living in walkable,
accessible communities with convenient transit linkages and good public services like libraries,
cultural activities, and health care.6
• For them, that increased walkability means all the difference between an essentially
housebound existence and what we all hope will be several decades of continued
independence.
• In combination with their independent children, these retiring boomers will numerically
overwhelm those families of child-rearing age who typically prefer the suburbs. This upcoming
convergence represents “the biggest demographic event since the baby boom itself.”
Prefer Inner West model….But all cannot live in Inner West….Take it to them?
31
32. • We are witnessing a virtuous cycle of worker preference
and firm demand: embracing cityness: complexity; density;
diversity; messy intersection of activities, the layering of
the old and new, an integration rather than segregation of
uses: profound shift
• ‘The current generation of tech workers doesn’t want to toil
in soulless Office Space complexes surrounded by moats
of parking or in dispersed factories(if still around)’..
• The trend as Business Week says: ‘is to nurture living,
breathing communities rather than sterile remote
compounds or research silos’
• Combined =Walkable/public transport precincts hot now
everywhere
Also changing worker/firm preferences
33.
34.
35. -another earning/some big trends
globally /gentrification is success
Just as affluent young professionals
seem to be staying in the inner-city
longer, turning places such as Dalston
(in Hackney) and Peckham (in
Southwark) into hipster enclaves, so
too are the outer suburbs getting
poorer, as people who cannot afford
inner-London rents are pushed further
out. By contrast, the places that have
gone downmarket are in Metroland—
the 1920s and 1930s railway suburbs
stretching west of Acton and
Willesden or around Ilford. These are
the middle-class suburbs where
commuters move when they have
children. But of late, house prices in
those parts of suburban London have
stagnated, even as inner-London ones
have soared ahead.
LONDON is turning inside out: so is Inner West
42. With problems for social mobility from the default
model of sprawl and residential segregation/unmixed
communities
• ‘ We found significant correlations between intergenerational mobility and
income inequality, economic and racial residential segregation. In
particular, areas with a smaller middle class had lower rates of upward
mobility. In contrast, a high concentration of income in the top 1% was not
highly correlated with mobility patterns. Areas in which low income
individuals were residentially segregated from middle income individuals
were also particularly likely to have low rates of upward mobility’.
• Harvard Study
43. To Make Your Community Healthier
and wealthier, Make It Denser
• The contemporary affinity for higher-density, mixed-use, walkable places in cities and suburbs alike
arguably represents the single most significant contribution to public health
• — for those who can afford them — since World War II.
• low-density, typically suburban environments whose physical layout encourage auto trips at the
expense of walking, lead to increased rates of obesity, diabetes, and auto fatalities.
• Today, the health benefits of urban densities are compelling. The incidence of chronic health
problems in walkable urban neighborhoods is generally lower than in typical suburban and exurban
neighborhoods.
• A 2008 report by University of Utah researchers found that men who lived in walkable
neighborhoods weighed 6 kilos less than men in low-density neighborhoods,
• a recent Journal of Transport and Health article links cities with more compact street networks to
lower levels of obesity, diabetes, high bloop pressure and heart disease.
• per-capita auto fatalities rise roughly 400 percent along a continuum of density from typical urban
to typical suburban.
• The payback from density extends beyond physical health. Walkable neighborhoods promote
economic health by attracting knowledge workers and investment and promote environmental
health by creating an inviting alternative to sprawl.
• Planning is coming around to a new generation of higher-density, mixed-use, walkable downtowns.
• But….
44. Equitable density/affordable housing
near transport
• The benefits of density generate an “amenity paradox” that threatens to translate America’s
already egregious wealth gap into a widening health gap between rich and poor.
• Life-filled, walkable, transit-served neighborhoods have delivered the goods in ways that Jane
Jacobs prophesized 50 years ago — with the glaring exception of diversity.
• Ten percent of Aus households control almost 75% of all wealth. They, along with their slightly less
affluent peers, are consuming walkable neighborhoods at a voracious rate.
• This demand is bidding up housing costs and forcing poorer residents into less healthy, car-
dependent environments. For the first time in Australia’s history more poor people live in suburbs
than cities.
• Clustered increasingly at the fringes of car-centric suburbs, yet often unable to afford a reliable car,
they are isolated from access to health care — and jobs, education, and support networks.
• Nor is this a passing trend.. As we employ density to create healthy neighborhoods, we also need to
employ it to create equity. The challenge is not market acceptance.
• Where possible, we need to tap the rising value of amenity-rich urban neighborhoods to fund the
mixed-income housing that makes the concept of diversity real. Density bonuses in return for
increased affordability, inclusionary zoning and public benefit agreements represent potential
strategies. More are needed.
• We need to expand access — for everyone — to environments that support healthier lifestyles.
45. Two Sydneys?
• Dickens wrote his novel, A Tale of Two Cities, about London and Paris. A
writer with similar ambitions today could easily stay in one city and write a
tale of two Sydneys.
• In one Sydney, people live within 10 kilometres of the city centre, where
there is almost one job for every resident, and public transport is close by
and comes fairly frequently.
• The inner suburbs, which from 2006 have soaked up more than half the
city’s overall employment growth, stand in stark contrast to the Sydney
more than 20 kilometres from the city centre.
• There are three jobs for every 10 western Sydney residents, compared to
eight in 10 for people in suburbs within 10 kilometres of the centre. Outer
suburban jobs also pay much less: across the nation, an average of
$56,000 a year compared to $77,000 for those near the centre.
• Yet today more than half of Sydney’s population lives more than 20
kilometres from the city centre. And it is this outer Sydney where most
population growth is occurring. The increasing separation between jobs
and people in our large cities is Australia’s great new divide.
45
47. We need greater Metro self government to meet
externality challenges of agglomeration: the price of
success
• High costs: housing, labour, goods, living
• Infrastructure investment demand
• Social cohesion and integration
• Two-tier labour market
• Sprawl
• Traffic congestion
• Pollution
• Opposition to growth model
47
48. Comparing the options
Metropolis off
• Sectoral policies lead
• Autonomous bodies
• Hierarchical system
• Spatial disparities and
variation
• Low co-ordination
equilibrium
• Tax and transfer
payments
Metropolis on
• Integrated planning
• Cross cutting objectives
• Networked governance
• Spatial strategy and
cohesion
• Cross cutting/catalytic
projects
• High co-ordination
equilibrium
• Financial innovation
and leverage
50. Lack of devolution to Australian cities
impairs city management and productivity
• We know from cities around the world that devolution and more
integrated approaches to investment will secure better infrastructure,
unlock growth and create new, locally determined funding opportunities
• With very little control over services, funding, or borrowing, constraining
their ability to give a clear focus across policies at the local level to
promote sources of competitive advantage in the interests of local and
national productivity.
• Australia’s system means city funding comes down a complex set of pipes,
with no connections or integration at the city level.
51. Governance reform Greater Manchester City Deal:
components GVA potential/ ability to secure social
/carbon benefits
• The City Deal for Greater Manchester announced by government Tuesday 20 March has been hailed as a
major step in empowering the region to make decisions to maximise its economic growth. the deal document
sets out a range of bespoke agreements between the government and Greater Manchester Combined
Authority based on the needs and opportunities of the region’s economy. They are geared towards
accelerating growth, boosting skills and encouraging local decision-making and increased self-sufficiency.
Earnback Model
A radical Earnback model where the government has agreed in principle that up to £1.2 billion invested up
front in infrastructure improvements by Greater Manchester will be ‘paid back’ to the combined authority as
real economic growth is seen. This is the first tax increment finance-style scheme in England outside London.
Investment framework
A major shift towards local decision-making by endorsing the Investment Framework which Greater
Manchester will use to align funding and assets to prioritise economic growth in the region and cut red tape.
This approach, already used in the Greater Manchester Transport Fund, prioritises projects for investment
based on their economic impact. By bringing together different funding streams into one pot and increasing
the ability to make local decisions on priorities, funding can be invested with much greater flexibility.
There are also plans to establish a Greater Manchester Housing Investment Board to use national funding,
local investment and public land assets to boost housing development.
• GREATER SYDNEY COMMISSION COMING…WILL IT BE A STRATEGIC GAME CHNAGER FOR OUR CITY?
53. Better understanding of city KPIs: To drive economy,
Minneapolis-St. Paul looks to dashboard: not usual suspects…
• There are the usual suspects, such as gross regional product per capita and share
of workers with a bachelor’s degree.
• But there are more novel indicators too, such as “percent of population employed
in advanced industries,” which signals a commitment to global competitiveness,
and “percent of jobs that are family sustaining” to measure job quality.
• There are also clear values around environmental stewardship (“per capita water
usage”), healthy quality of life (“percent of population that is obese”), job access,
and shared prosperity (“poverty rate”).
• Throughout there is an eye toward equity, ensuring the region is boosting fortunes
for people of colour.
• I add Effective Job Density :labour market access.