The Atlanta region has seen rapid growth in the years following the great recession. The metro area added 59,600 jobs from November 2013 to 2014, an employment growth rate of 2.4 percent. The region has reported employment gains each month for over four years following the recession and has experienced a higher rate of growth than the United States as a whole (Bureau of Labor Statistics, 2014). However, many workers in the region are not earning sufficient wages to cover the basic costs of living and achieve economic security.
Affordable Housing and Racial Diversity, 2018Spiro Bolos
Utilizes HUD data regarding the Annual Median Income (AMI) for the Chicago Metropolitan Statistical Area (MSA). Should people who work in a community be able to live in it?
New Jersey has a high Elder Economic Insecurity Rate, with over half of retired elder households lacking sufficient income. Housing costs represent a large burden, accounting for up to half of expenses. Basic living costs vary significantly by location, with elder renters in expensive counties like Bergen needing nearly $31,000 annually compared to $23,472 for homeowners in less costly Ocean County. Stakeholder groups are examining issues like a lack of affordable and accessible senior housing options and limited assistance programs. Recommendations aim to address housing security challenges facing New Jersey's senior population.
Conservation spending on natural resources generates significant employment and economic in the United States. This presentation includes data and analysis for the American West.
Ontario has accumulated significant government debt over the past 15 years. The document outlines Ontario's annual debt levels and debt servicing costs between 2001-2014. It also discusses Ontario's credit rating and the factors that are analyzed in credit rating assessments, such as debt levels, economic growth, and budgetary performance. The document argues that high compensation for public sector employees is a major driver of Ontario's deficits and that the public sector compensation model is unsustainable given private sector wage trends.
Residual income is an alternative to the housing cost income ratio measurement of affordability, also known as the "30 percent rule of thumb" that measures affordability as a household spending no more than 30 percent of its gross monthly income on housing costs.
How Democratic Energy Fits the Rural Electric PhilosophyJohn Farrell
Local renewable power generation can fulfill the rural electric philosophy of self-reliance and economic development in the 21st century just as electrification did in the 20th century. This presentation by ILSR's Director of Democratic Energy John Farrell to the Electrons on the Run mini-conference on 3/12/14 explains how democratic energy can cost-effectively meet local power needs and contribute to the rural economy.
Information on Ledyard Housing and Population. Housing Data Profiles are produced by the Partnership for Strong Communities. Updated November 16, 2015.
King County Housing Authority presentation for May 15, 2019 Affordable Housing Week event "Affordable Housing 101: Why is it so dang hard?"
The event was held in partnership with a coalition of Eastside providers and advocates, including King County Housing Authority, Attain Housing, Lifewire, The Sophia Way, and Tech 4 Housing, in a "head and heart" discussion to learn more about affordable housing in Eastside King County.
Affordable Housing and Racial Diversity, 2018Spiro Bolos
Utilizes HUD data regarding the Annual Median Income (AMI) for the Chicago Metropolitan Statistical Area (MSA). Should people who work in a community be able to live in it?
New Jersey has a high Elder Economic Insecurity Rate, with over half of retired elder households lacking sufficient income. Housing costs represent a large burden, accounting for up to half of expenses. Basic living costs vary significantly by location, with elder renters in expensive counties like Bergen needing nearly $31,000 annually compared to $23,472 for homeowners in less costly Ocean County. Stakeholder groups are examining issues like a lack of affordable and accessible senior housing options and limited assistance programs. Recommendations aim to address housing security challenges facing New Jersey's senior population.
Conservation spending on natural resources generates significant employment and economic in the United States. This presentation includes data and analysis for the American West.
Ontario has accumulated significant government debt over the past 15 years. The document outlines Ontario's annual debt levels and debt servicing costs between 2001-2014. It also discusses Ontario's credit rating and the factors that are analyzed in credit rating assessments, such as debt levels, economic growth, and budgetary performance. The document argues that high compensation for public sector employees is a major driver of Ontario's deficits and that the public sector compensation model is unsustainable given private sector wage trends.
Residual income is an alternative to the housing cost income ratio measurement of affordability, also known as the "30 percent rule of thumb" that measures affordability as a household spending no more than 30 percent of its gross monthly income on housing costs.
How Democratic Energy Fits the Rural Electric PhilosophyJohn Farrell
Local renewable power generation can fulfill the rural electric philosophy of self-reliance and economic development in the 21st century just as electrification did in the 20th century. This presentation by ILSR's Director of Democratic Energy John Farrell to the Electrons on the Run mini-conference on 3/12/14 explains how democratic energy can cost-effectively meet local power needs and contribute to the rural economy.
Information on Ledyard Housing and Population. Housing Data Profiles are produced by the Partnership for Strong Communities. Updated November 16, 2015.
King County Housing Authority presentation for May 15, 2019 Affordable Housing Week event "Affordable Housing 101: Why is it so dang hard?"
The event was held in partnership with a coalition of Eastside providers and advocates, including King County Housing Authority, Attain Housing, Lifewire, The Sophia Way, and Tech 4 Housing, in a "head and heart" discussion to learn more about affordable housing in Eastside King County.
WE Care Home Improvements provides home adaptations and repairs to help people live independently. With demand outpacing available subsidies, WE shifted to a strategic focus on self-funded bathroom adaptations. Research showed 10-32% of those needing adaptations could self-fund, and 95% of homeowners could finance through home equity. WE designed an integrated "wet room" model with assessment, estimates, project management, and installation. Initial results showed a cultural shift is required for self-funding to succeed, revenue does not equal profit, customer expectations are high, and partnerships will be needed to sustain the mission.
1) A family called the Lawmakers received funds through a Heat Wave Assistance program to help pay their higher utility bills during a record hot summer.
2) While receiving the assistance, the Lawmakers spent some of the extra funds on unrelated items rather than saving it for when the assistance ended.
3) Now that the assistance has stopped and utility bills have increased as expected, the Lawmakers are threatening to kick out the vulnerable family members living with them that were the reason for receiving the funds originally.
Affordable Housing and Racial Diversity, 2019Spiro Bolos
Utilizes HUD data regarding the Annual Median Income (AMI) for the Chicago Metropolitan Statistical Area (MSA). Should people who work in a community be able to live in it?
This document summarizes benchmarking laws in several US jurisdictions, including enacted dates, authorities in charge, benchmarking tools used, building types and sizes affected, disclosure and reporting requirements, compliance enforcement, and additional details. Key jurisdictions discussed are Austin, TX, Boston, MA, California, Cambridge, MA, Chicago, IL, Washington DC, Minneapolis, MN, Montgomery County, MD, New York City, Philadelphia, San Francisco, Seattle, and Washington state.
Swathi Narayanan and Elizabeth Yang have a total household income of $80,000. After accounting for taxes, health insurance, rent, food, transportation, utilities, and fun expenses, their remaining disposable income is $27,407.18. This leaves each person with $1,141.97 per month or $13,703.59 per year in disposable income to put towards savings.
This document provides housing market statistics for San Francisco County in July 2020, including the number of homes for sale, median home prices, estimated monthly mortgage payments, and down payment amounts for 1, 2, 3, and 4+ bedroom homes. Interest rates from the current, last year, and last month are also listed.
These exhibits from the third chapter of the 10th Bay Area Economic Profile, published in 2018, detail some of the challenges facing our regional economy in areas from housing to transportation to human well-being.
Investigating Missouri Per Pupil Expenditure as a Function of Median Househol...Adam Geller
The document investigates whether median household income can predict per pupil expenditure (PPE) in Missouri school districts. It finds that overall, median income does not correlate well with PPE across all districts. When separating districts into urban, rural, and by income above or below the state median, the correlations remain low, indicating median income alone is not a strong predictor of PPE. Other factors like free lunch rates or special education populations may better explain variations in spending.
The document discusses the average monthly and lifetime costs of common utilities for individuals such as electricity, gas, internet, TV, and cell phones. It estimates that the average person will pay around $300,000 over the course of 50 years for these utilities from age 25 to 75. It then scales this up to estimate the lifetime costs for an individual's friends and social network, suggesting the opportunity to earn a percentage of these costs through a multi-level marketing opportunity.
What makes local, renewable electricity generation best for a community? ILSR's Director of Energy Democracy presents to a forum in Rochester, MN, about pursuing 100% renewable energy and the economic value to the city in pursuing this ambitious goal.
This document discusses affordable housing needs in Park City, Utah. It provides data on the population, income levels, and housing costs. The population increases significantly during high season for tourism, which drives 67% of local jobs, though 25% of these pay below average wages. The area median income is $98,000 but the average workforce wage is much lower at $52,826. A wide range of households from very low to moderately high incomes are in need of affordable housing options. The city uses various resources like land donations, developer partnerships, and regulatory relief to facilitate affordable housing construction and homebuyer programs. An example project called Snow Creek Cottages utilizes energy efficient and sustainable design and sells homes at 55% of market value
The Northern California Megaregion consists of 21 counties divided into two coastal and two inland regions. Unlike other megaregions, the Northern California Megaregion saw higher employment growth than population growth from 2008 to 2017. The four regions have different industry mixes. In San Francisco and Silicon Valley, job growth has far outpaced the permitting of new housing units. Home prices have risen substantially across the megaregion but are much higher in the core areas than outlying counties. The Bay Area has experienced net domestic out-migration in the last three years while Sacramento and the Northern San Joaquin Valley have seen migration increases. Many workers in the megaregion now commute long distances.
This Infographic gives an overview of the situation, explaining why surviving a critical illness can be financially devastating.
Read more: www.genre.com/knowledge/blog/critical-illness-insurance-fast-facts-en.html
Cat Drew: Situating Service Design within systems: a homelessness exampleService Design Network
The UK is experiencing increased homelessness due to rising rental prices, welfare reform and a lack of social housing. Forthcoming legislation places greater responsibility on local areas to prevent homelessness. Informed by a Policy Lab project, the Government has provided £20m to 28 local areas to trial innovative approaches to prevent homelessness. Uscreates has been working with five local areas to create better ways to identify and intervene early with those at risk and prevent homelessness. This session will share our findings and focus on challenges of scaling design in homelessness at three different levels:
- Individual: challenge of scaling a very human-centred and individualised intervention
- Local area: challenge is less around designing a new service, but – in order to implement and scale – changing the mindsets and culture of staff into problem solvers that can continuously reflect and improve their service.</li>
<li>Country: challenge is to create an action learning set of transformative innovations that can lead to a new paradigm, and which requires wider systems permissions and conditions.
- Housing is still affordable based on median household incomes, but ratios are higher than in past decades due to rising prices
- Prices seem less extreme when considering households earning over $100,000, which make up a significant portion
- The issue is lack of housing stock in desirable inner-city areas, not overall affordability, as affordable homes exist in other areas
- Growing populations and incomes are increasing competition for finite housing in popular locations, which is driving prices up
The document summarizes residential solar power financing options presented by Sullivan Solar Power. It discusses the company's experience and rankings. It then provides an example of a typical 5kW residential solar system, comparing the homeowner's monthly electricity costs before and after installation. Finally, it summarizes various financing options for residential solar systems, including HELOCs, refinancing, unsecured loans, and leases, comparing the monthly costs and savings under each option.
Lack of flood insurance leaves homeowners with financial toll after hurricane...HaulTail
The drenching rains and massive flooding caused by Florence are expected to inflict a high financial toll on homeowners in North Carolina and other states, as only a small percentage are covered by flood insurance that could help offset the costs of rebuilding their damaged homes.
An estimated quarter of a million homes in North Carolina are projected to be affected by Florence, which has caused flash flooding and record rain amounts across the state, according to CoreLogic, a property analytics company.
This document provides a summary of the 2021 housing market forecast from the California Association of Realtors. It predicts that while home sales declined sharply in 2020 due to the pandemic, sales have rebounded strongly in recent months with existing home sales in August 2020 being the highest in over 10 years. Home prices have also risen, increasing over 14% year-over-year in August. Inventory remains low with months of supply at 2.1 months in August, down significantly from the prior year. The recovery in the housing market has been aided by historically low interest rates and continued buyer demand despite job losses during the pandemic.
Final expenses refer to the costs associated with a funeral and burial, which on average total around $7,000. Planning and paying for final expenses provides peace of mind for both individuals and their loved ones. Final expense insurance offers an affordable way to cover these costs, with policies as low as $8-10 per month providing $10,000 or more in coverage. Proper planning through final expense insurance can help ensure loved ones are not burdened by funeral costs and end-of-life financial obligations are addressed.
The document discusses the rising costs of both college and retirement and how the burden of paying for both is creating financial challenges for many families. It provides strategies for families to better plan and pay for both college and retirement by focusing on reducing taxes, leveraging home equity, and hedging retirement funds against market and tax risks to help free up money that can be used for college costs. The case study examines one family's original college funding plan and provides an analysis of projected costs and cash flows to identify ways to improve their financial position.
The federal minimum wage is $7.25 per hour for most workers. CBO has examined how increasing the federal minimum wage to $10, $12, or $15 per hour by 2025 would affect employment and family income. Increasing the minimum wage would have two principal effects on low-wage workers. For most of them, earnings and family income would increase, which would lift some families out of poverty. But other low-wage workers would become jobless, and their family income would fall—in some cases, below the poverty threshold.
Jack&Dianne on struggle street, australiaRod Hyatt
The document discusses the typical income levels of Australians based on data from the Australian Bureau of Statistics and Australian Taxation Office. It finds that the median household disposable income in Australia is $43,100 for a single person or $90,510 for a couple with two children. It also discusses how the Fuller Center for Housing in Queensland addresses affordable housing issues for lower-income Australians through an equity sharing model.
WE Care Home Improvements provides home adaptations and repairs to help people live independently. With demand outpacing available subsidies, WE shifted to a strategic focus on self-funded bathroom adaptations. Research showed 10-32% of those needing adaptations could self-fund, and 95% of homeowners could finance through home equity. WE designed an integrated "wet room" model with assessment, estimates, project management, and installation. Initial results showed a cultural shift is required for self-funding to succeed, revenue does not equal profit, customer expectations are high, and partnerships will be needed to sustain the mission.
1) A family called the Lawmakers received funds through a Heat Wave Assistance program to help pay their higher utility bills during a record hot summer.
2) While receiving the assistance, the Lawmakers spent some of the extra funds on unrelated items rather than saving it for when the assistance ended.
3) Now that the assistance has stopped and utility bills have increased as expected, the Lawmakers are threatening to kick out the vulnerable family members living with them that were the reason for receiving the funds originally.
Affordable Housing and Racial Diversity, 2019Spiro Bolos
Utilizes HUD data regarding the Annual Median Income (AMI) for the Chicago Metropolitan Statistical Area (MSA). Should people who work in a community be able to live in it?
This document summarizes benchmarking laws in several US jurisdictions, including enacted dates, authorities in charge, benchmarking tools used, building types and sizes affected, disclosure and reporting requirements, compliance enforcement, and additional details. Key jurisdictions discussed are Austin, TX, Boston, MA, California, Cambridge, MA, Chicago, IL, Washington DC, Minneapolis, MN, Montgomery County, MD, New York City, Philadelphia, San Francisco, Seattle, and Washington state.
Swathi Narayanan and Elizabeth Yang have a total household income of $80,000. After accounting for taxes, health insurance, rent, food, transportation, utilities, and fun expenses, their remaining disposable income is $27,407.18. This leaves each person with $1,141.97 per month or $13,703.59 per year in disposable income to put towards savings.
This document provides housing market statistics for San Francisco County in July 2020, including the number of homes for sale, median home prices, estimated monthly mortgage payments, and down payment amounts for 1, 2, 3, and 4+ bedroom homes. Interest rates from the current, last year, and last month are also listed.
These exhibits from the third chapter of the 10th Bay Area Economic Profile, published in 2018, detail some of the challenges facing our regional economy in areas from housing to transportation to human well-being.
Investigating Missouri Per Pupil Expenditure as a Function of Median Househol...Adam Geller
The document investigates whether median household income can predict per pupil expenditure (PPE) in Missouri school districts. It finds that overall, median income does not correlate well with PPE across all districts. When separating districts into urban, rural, and by income above or below the state median, the correlations remain low, indicating median income alone is not a strong predictor of PPE. Other factors like free lunch rates or special education populations may better explain variations in spending.
The document discusses the average monthly and lifetime costs of common utilities for individuals such as electricity, gas, internet, TV, and cell phones. It estimates that the average person will pay around $300,000 over the course of 50 years for these utilities from age 25 to 75. It then scales this up to estimate the lifetime costs for an individual's friends and social network, suggesting the opportunity to earn a percentage of these costs through a multi-level marketing opportunity.
What makes local, renewable electricity generation best for a community? ILSR's Director of Energy Democracy presents to a forum in Rochester, MN, about pursuing 100% renewable energy and the economic value to the city in pursuing this ambitious goal.
This document discusses affordable housing needs in Park City, Utah. It provides data on the population, income levels, and housing costs. The population increases significantly during high season for tourism, which drives 67% of local jobs, though 25% of these pay below average wages. The area median income is $98,000 but the average workforce wage is much lower at $52,826. A wide range of households from very low to moderately high incomes are in need of affordable housing options. The city uses various resources like land donations, developer partnerships, and regulatory relief to facilitate affordable housing construction and homebuyer programs. An example project called Snow Creek Cottages utilizes energy efficient and sustainable design and sells homes at 55% of market value
The Northern California Megaregion consists of 21 counties divided into two coastal and two inland regions. Unlike other megaregions, the Northern California Megaregion saw higher employment growth than population growth from 2008 to 2017. The four regions have different industry mixes. In San Francisco and Silicon Valley, job growth has far outpaced the permitting of new housing units. Home prices have risen substantially across the megaregion but are much higher in the core areas than outlying counties. The Bay Area has experienced net domestic out-migration in the last three years while Sacramento and the Northern San Joaquin Valley have seen migration increases. Many workers in the megaregion now commute long distances.
This Infographic gives an overview of the situation, explaining why surviving a critical illness can be financially devastating.
Read more: www.genre.com/knowledge/blog/critical-illness-insurance-fast-facts-en.html
Cat Drew: Situating Service Design within systems: a homelessness exampleService Design Network
The UK is experiencing increased homelessness due to rising rental prices, welfare reform and a lack of social housing. Forthcoming legislation places greater responsibility on local areas to prevent homelessness. Informed by a Policy Lab project, the Government has provided £20m to 28 local areas to trial innovative approaches to prevent homelessness. Uscreates has been working with five local areas to create better ways to identify and intervene early with those at risk and prevent homelessness. This session will share our findings and focus on challenges of scaling design in homelessness at three different levels:
- Individual: challenge of scaling a very human-centred and individualised intervention
- Local area: challenge is less around designing a new service, but – in order to implement and scale – changing the mindsets and culture of staff into problem solvers that can continuously reflect and improve their service.</li>
<li>Country: challenge is to create an action learning set of transformative innovations that can lead to a new paradigm, and which requires wider systems permissions and conditions.
- Housing is still affordable based on median household incomes, but ratios are higher than in past decades due to rising prices
- Prices seem less extreme when considering households earning over $100,000, which make up a significant portion
- The issue is lack of housing stock in desirable inner-city areas, not overall affordability, as affordable homes exist in other areas
- Growing populations and incomes are increasing competition for finite housing in popular locations, which is driving prices up
The document summarizes residential solar power financing options presented by Sullivan Solar Power. It discusses the company's experience and rankings. It then provides an example of a typical 5kW residential solar system, comparing the homeowner's monthly electricity costs before and after installation. Finally, it summarizes various financing options for residential solar systems, including HELOCs, refinancing, unsecured loans, and leases, comparing the monthly costs and savings under each option.
Lack of flood insurance leaves homeowners with financial toll after hurricane...HaulTail
The drenching rains and massive flooding caused by Florence are expected to inflict a high financial toll on homeowners in North Carolina and other states, as only a small percentage are covered by flood insurance that could help offset the costs of rebuilding their damaged homes.
An estimated quarter of a million homes in North Carolina are projected to be affected by Florence, which has caused flash flooding and record rain amounts across the state, according to CoreLogic, a property analytics company.
This document provides a summary of the 2021 housing market forecast from the California Association of Realtors. It predicts that while home sales declined sharply in 2020 due to the pandemic, sales have rebounded strongly in recent months with existing home sales in August 2020 being the highest in over 10 years. Home prices have also risen, increasing over 14% year-over-year in August. Inventory remains low with months of supply at 2.1 months in August, down significantly from the prior year. The recovery in the housing market has been aided by historically low interest rates and continued buyer demand despite job losses during the pandemic.
Final expenses refer to the costs associated with a funeral and burial, which on average total around $7,000. Planning and paying for final expenses provides peace of mind for both individuals and their loved ones. Final expense insurance offers an affordable way to cover these costs, with policies as low as $8-10 per month providing $10,000 or more in coverage. Proper planning through final expense insurance can help ensure loved ones are not burdened by funeral costs and end-of-life financial obligations are addressed.
The document discusses the rising costs of both college and retirement and how the burden of paying for both is creating financial challenges for many families. It provides strategies for families to better plan and pay for both college and retirement by focusing on reducing taxes, leveraging home equity, and hedging retirement funds against market and tax risks to help free up money that can be used for college costs. The case study examines one family's original college funding plan and provides an analysis of projected costs and cash flows to identify ways to improve their financial position.
The federal minimum wage is $7.25 per hour for most workers. CBO has examined how increasing the federal minimum wage to $10, $12, or $15 per hour by 2025 would affect employment and family income. Increasing the minimum wage would have two principal effects on low-wage workers. For most of them, earnings and family income would increase, which would lift some families out of poverty. But other low-wage workers would become jobless, and their family income would fall—in some cases, below the poverty threshold.
Jack&Dianne on struggle street, australiaRod Hyatt
The document discusses the typical income levels of Australians based on data from the Australian Bureau of Statistics and Australian Taxation Office. It finds that the median household disposable income in Australia is $43,100 for a single person or $90,510 for a couple with two children. It also discusses how the Fuller Center for Housing in Queensland addresses affordable housing issues for lower-income Australians through an equity sharing model.
US Inequalities - EqualityOfOpportunity - geographyGRAPE
This paper studies intergenerational income mobility in the United States using tax records for 40 million children. It finds substantial variation in mobility within the U.S., with some areas offering much greater chances of upward mobility than others. Areas with higher mobility tend to have less inequality in access to college and lower rates of teenage births. Mobility is also lower in areas with larger African American populations. The results point to factors affecting children when growing up, like school and family characteristics, as potential explanations for differences in intergenerational mobility across locations.
This document provides information about Section 3, a HUD program that requires economic opportunities from HUD projects be directed to low-income residents. It defines what makes a business or resident qualify as Section 3, provides income guidelines and certification examples, and tips for businesses to become Section 3 certified like strategic hiring or subcontracting to Section 3 businesses. The key is directing over 25% of contracting dollars or having 30% of staff qualify as Section 3 residents to meet the criteria.
This document provides an overview of trends in poverty and inequality in Boston based on analysis by the Boston Redevelopment Authority Research Division. It finds that while personal income has increased significantly for women over 40 years, household income has remained stagnant. The poverty rate, around 20-23% in recent decades, fell slightly after the Great Recession. Inequality has grown, with higher-income households gaining a larger share while middle-income households have declined. Specific populations, including racial minorities, women, families with children, and those with less education face disproportionate rates of poverty and lower incomes.
The document summarizes how cuts to career and technical education (CTE) funding in Arizona will negatively impact the state's economy and education system. It presents data showing that CTE programs improve high school graduation rates and academic performance while reducing dropout rates. Fewer students in CTE will result in a less robust workforce, higher social costs, and lower quality education. The 50% cut to CTE funding in 2010 and another cut this year will lead many CTE programs and teachers to be eliminated, reducing enrollment and access to these beneficial programs. Reversing these cuts is important for Arizona's fiscal health and education quality.
The document summarizes how cuts to career and technical education (CTE) funding in Arizona will negatively impact the state's economy and education system. It presents data showing that CTE programs improve high school graduation rates and academic performance while reducing dropout rates. Studies cited found students taking two or more CTE courses had their risk of dropping out reduced by 50-70% and absenteeism reduced. However, recent cuts of 50% to CTE funding will lead to fewer students in these programs and downstream effects like lower graduation rates, workforce skills, and economic outcomes. The document calls on readers to urge elected officials to reverse these cuts.
Overview of income trends in the state of Oregon. Comparing total personal income, wages, transfer payments over time and across regions within Oregon. Assessing the Great Recession's impact on median family incomes in the Portland and Salem regions. Also showing how to apply Census and BEA income data to similar topics and pair with other data sources, like housing costs, household debt, and job polarization.
The document discusses an individual's income and finances. They are happy with their current income which covers needs but not wants. They want to increase their income to become more financially secure. It then goes on to ask multiple choice questions about income level, savings amount, emergency fund duration, investment amount, and sources of funding.
- Wage growth has stagnated in metro Atlanta since 2010, especially in middle-wage jobs. Employment growth in middle-wage occupations has also lagged compared to other peer metro areas like Houston and Charlotte.
- Median wages in metro Atlanta rank highly compared to other major US metros, but have declined slightly since 2010. Cost of living is relatively low in Atlanta.
- Low- and middle-wage occupations experienced the largest wage declines from 2010-2014. Very few of the most in-demand occupations from employers fall in the middle-income range. The majority of middle-income residents live in the exurban areas and suburbs outside the city of Atlanta.
The document summarizes economic trends in Atlanta and nationally. It finds that while recovery from the recession continues, with GDP and employment increasing, progress has been slow. Job growth has primarily occurred in lower-wage sectors, holding down wage growth. Unemployment rates remain higher for minorities and less educated groups. However, leading indicators like increasing job postings in high-tech fields, rising patent activity, and forecasts predict potential growth in higher-wage sectors going forward.
This document argues that providing a $4.6 billion tax break for the wealthiest New Yorkers is a bad deal for the state. It notes that $4.6 billion could fund many important priorities instead, like education, healthcare, infrastructure, and closing the state's budget deficit. The document provides statistics showing growing income inequality in New York and that the wealthiest residents already pay a lower overall tax rate. It concludes that most New Yorkers support raising taxes on the highest incomes instead of cutting important services.
This is a great presentation of the choices before New Yorkers. Westchester for Change will be hosting a budget briefing in early February. We will have more details soon. We welcome you to join us for the briefing and follow up actions.
1) State funding for K-12 schools in South Dakota has dropped 10% over the last 10 years, with schools now receiving less than 15% of the state's budget.
2) The Rapid City Area Schools district will need to cut 60-70 positions per year, equivalent to $3 million in cuts, if funding is not increased as enrollment grows.
3) Voters will be asked to approve a $6 million per year "opt-out" of property tax limitations for 5 years to make up funding shortfalls and avoid further cuts to programs and teachers.
The Graying Job Market in the Atlanta Region & The Economic Impact This PortendsARCResearch
Not only is the population growing older, so is the workforce. This simple fact has vast ramifications for the region as the 65 and older age cohort is increasing its economic strength by staying in the workforce longer and earning more while doing it.
During this presentation, Kristen Power discusses trends in financial aid and affordability. She examines who is currently receiving financial aid, noting that applicants come from a wider range of incomes than in the past. She also analyzes how tuition growth has outpaced income growth, challenging affordability. Finally, she considers strategies like diversifying financial aid funding sources and articulating a school's broader benefits to address affordability issues.
Things that are making regular giving programs flourish.
Covering budgeting, channel opportunities, communications planning, growing value, measurement and retention
"Financial Impacts and Policy Considerations of a Minimum Wage Increase"TheChamber
"Financial Impacts and Policy Considerations of a Minimum Wage Increase"
Presented by: Scott Manley, Vice President of Government Affairs, Wisconsin Manufacturers and Commerce (WMC)
This document summarizes a school district's 2012-2013 budget. It discusses declining state aid, cuts made over the past two years including positions and programs, drivers of increased costs like health insurance and retirement costs, proposed cuts for the coming year including positions and programs, keeping the budget within the tax cap with a estimated tax rate increase of 1.27%, and asking voters to approve the $20,506,817 budget and elect a school board candidate.
Similar to Income and Low Wage Work in the Atlanta Region (20)
MC_forecasts_finals series 17_feb2024.pdfARCResearch
Final summary slide deck for Series 17 population, employment by sector, age group forecasts for MPO region, counties, and smaller areas...February 2024
33N Blog Housing MAS 2023 Slide DeckpdfARCResearch
Results of housing-related questions from the 2023 Metro Atlanta Speaks survey--focus on affordability locally and regionally, as well as on policy perceptions
33N MAS 2023 BiggestProblemQuestionSlidesARCResearch
This document analyzes data from the Metro Atlanta Speaks survey on the biggest problem facing residents in the metro Atlanta region in 2023 and previous years. The key findings are:
1) In 2023, crime was identified as the biggest problem by 26.5% of respondents, making it the top concern. Transportation and the economy were the second and third biggest problems.
2) Crime has consistently been one of the top concerns over previous survey years from 2014 to 2023, though its ranking and the percentage identifying it as the top problem has varied.
3) Perceptions of the biggest problem differ among demographic groups, with more Black respondents identifying crime and more white respondents identifying transportation as the top concern in
Metro Atlanta Speaks Summary RS Jan 2024ARCResearch
This document summarizes the key findings from the Metro Atlanta Speaks 2023 survey:
1) "Crime" remained the top issue facing the region according to respondents, though "Economy" saw a large increase as the second most picked issue in 2023.
2) Less than half of respondents support paying higher taxes to fund expanded regional public transit.
3) Over 60% of respondents said they could not afford to move to another housing unit in their current neighborhood or within the metro area.
4) Majorities see climate change as a major global and regional threat over the next 10 years.
Final Jobs and Wages Snapshot Slide Deck2024ARCResearch
The document provides an overview of the job market and economy in metro Atlanta. Some key points:
- Metro Atlanta's employment growth over the past decade has been stronger than the national average, and its recovery from the pandemic is among the strongest of peer cities.
- Information and management jobs are relative strengths of the metro Atlanta economy.
- While all industries have more jobs now than before the pandemic, some like information and transportation have lost jobs in the past year.
- Inflation recently dropped significantly in metro Atlanta after outpacing wage growth for two years.
- Registered nurses and software developers remain the most in-demand occupations by employers. Occupations recovering from pandemic losses are also seeing increased demand.
Regional Snapshot: Health Disparities Abound
The document summarizes health disparities in the Atlanta region. It finds that while the metro Atlanta area is relatively healthy overall compared to the rest of Georgia, there are significant racial disparities in health outcomes. Across a wide range of indicators such as infant mortality, diabetes hospital visits, and life expectancy, Black populations consistently have poorer health outcomes than white populations. These disparities are also spatial, with poorer health outcomes concentrated in the southern parts of the region where poverty is also higher. Factors like access to insurance, transportation, and broadband internet contribute to these disparities. The document uses charts and maps to illustrate differences in outcomes, causes of death, hospitalization rates,
This document discusses the biggest challenges facing the Atlanta region including crime, economy, transportation, and human services. It is from the website atlantaregional.org/metroatlantaspeaks which focuses on issues impacting the Atlanta metropolitan area.
This document provides a regional snapshot of the Metro Atlanta cost of living in October 2023. It finds that Metro Atlanta's overall cost of living is almost exactly the national average, with a score of 100.4 on the C2ER Cost of Living Index. While Atlanta's health care costs are slightly higher than peers, utility costs are lower, offsetting the higher health care. The document also examines how costs have increased in Atlanta since 2000, with medical and transportation costs rising the most. Housing plays a large role in determining differences in cost of living between urban areas.
Among the fifteen most populous metro areas, metro Atlanta ranks fourth in overall homeownership rates. Homeownership rates vary greatly across the metro Atlanta region and are highest for Asian residents but lowest for Black and Hispanic residents. Cobb and Gwinnett Counties have the largest differences in homeownership rates between White and Black residents, while Fayette County has a much smaller gap. Mortgage data shows White homebuyers purchasing homes in majority Black areas of DeKalb County and central Fulton County.
Choice Hotels International is seeking to acquire Wyndham Hotels & Resorts, a deal that would create one of the largest budget hotel owners. The companies are each valued at around $6 billion but are not currently in serious talks. If no deal is reached, Choice could make an offer directly to Wyndham shareholders. Wyndham shares rose on the news while Choice shares dropped. Both companies focus on budget-conscious travelers. Choice says the deal would help its goal of expanding in upper-midscale and upscale segments. The hotel industry is recovering as travelers return, but it was battered early in the pandemic when travel halted globally.
The document provides an overview of aging trends in the Atlanta region. It notes that the population aged 65+ has nearly doubled since 1960 and will almost double again by 2050 to over 21% of the population. Currently Fayette County has the highest percentage of older residents while Clayton County has the lowest. The number of older people employed rebounded after the pandemic and is now the highest in 5 years, with those aged 65+ making up a growing share of total employment. The working age population is forecast to increase only 17% by 2050 compared to a 46% rise in non-working ages, reducing the dependency ratio.
This document provides a summary of data from the 100 Metros dashboard about the Atlanta metro area and how it compares to other large metro areas in the US. The data is organized into categories including demographics, housing, education/technology, health, employment, economic development, and commuting. Some key findings are that Atlanta's population ranks 8th largest nationally and grew faster than most other large metros from 2021-2022. The metro area also ranks high for housing permits, job growth, and median home sale price increases but lower for median income and average hourly wages.
1. Metro Atlanta surpassed 3 million jobs for the first time in October 2022, with employment recovering strongly from pandemic lows in early 2020.
2. Registered Nurses remain the most in-demand occupation according to job postings data, though demand is growing fastest for lower-wage jobs in areas like freight, food service, and retail.
3. Inflation has risen faster in metro Atlanta than national averages over the past year, increasing just over 8%, partly due to high population growth driving up housing costs.
The document analyzes migration patterns of young adults aged 16-26 between 2000-2018 moving to and from the Atlanta metropolitan area. It finds that the largest share of in-migration to Atlanta comes from low-income Black movers, making up 78% of all young movers. The top origins for migration are New York City and Miami, while the top destination for out-migration from Atlanta is LaGrange, Georgia. Overall, Atlanta sees far more in-migration from populations of color compared to white populations, and has one of the lowest rates of in-migration from white young adults among peer cities.
Rental presentation - with annotation.pdfARCResearch
The document summarizes rental housing affordability trends in the Atlanta metro region. It finds that over the past 5 years, rent growth in Atlanta has been the second highest among major US metros behind only Miami. Rents in the Atlanta suburbs like Forsyth County have increased the most. There has also been a decrease in affordable rental units renting for under $1250 and an increase in units renting for over $1250 from 2014-2020. Higher rents are pushing more people to file for evictions, with filings on the rise since early 2022. Census tracts with more millennials and closer to downtown Atlanta tend to have higher rental costs.
According to the document:
- Atlanta's overall cost of living is slightly above the national average, with housing costs being 13% higher but utility costs 13.4% lower than average.
- To have equivalent purchasing power in Manhattan as $50,000 in Atlanta, one would need to earn over $120,000, while only $49,900 would be needed in Dallas.
- Atlanta's consumer price index has increased 54% since 2000, with medical and transportation costs rising the most.
Calculation of compliance cost: Veterinary and sanitary control of aquatic bi...Alexander Belyaev
Calculation of compliance cost in the fishing industry of Russia after extended SCM model (Veterinary and sanitary control of aquatic biological resources (ABR) - Preparation of documents, passing expertise)
Forensic Accounting, Tax Fraud and Tax Evasion in Nigeria – Review of Literatures and
Matter for Policy Consideration
Being a Retreat (Pre-Induction) Paper Presented at the Association of National Accountants of Nigeria (ANAN) House, Abuja on Tuesday March 5, 2024.
5 Compelling Reasons to Invest in Cryptocurrency NowDaniel
In recent years, cryptocurrencies have emerged as more than just a niche fascination; they have become a transformative force in global finance and technology. Initially propelled by the enigmatic Bitcoin, cryptocurrencies have evolved into a diverse ecosystem of digital assets with the potential to reshape how we perceive and interact with money.
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On June 11-16, several important international events were organized and they are expected
to contribute to Ukraine's resilience and victory: URC2024, the G7 meeting, and the Global
Peace Summit.
According to the IER, real GDP growth slowed slightly to 3.5% yoy in May compared to 4.2%
yoy in April due to significant damage caused by russian attacks on electricity generation.
Restrictions on electricity supply to industry and the population continue: efficient consumption
and the installation of decentralized power generation capacities are a priority.
The Ukrainian Sea Corridor allows an increase in the exports of ores and metallurgical products.
Foreign aid was the lowest in May. However, already in June Ukraine should receive about
USD 4 bn in loans.
In May, as in the previous three months, consumer inflation was slightly above 3% (3.3% yoy).
In June, the NBU again reduced the discount rate – from 13.5% to 13% per annum.
The hryvnia exchange rate has surpassed UAH 40 per dollar due to the growing demand for
cash currency.
The IER is preparing the pub
PFMS, India's Public Financial Management System, revolutionizes fund tracking and distribution, ensuring transparency and efficiency. It enables real-time monitoring, direct benefit transfers, and comprehensive reporting, significantly improving financial management and reducing fraud across government schemes.
2. 2
Workers earning less than $1,250 per
month are concentrated in south Atlanta and
outer portions of the metro:
Source: OnTheMap, 2011, via Neighborhood Nexus
However, students with disabilities
make up a much higher proportion
of the student population in some
schools than others.
Percent of Workers Earning $1,250 per Month or Less, 2011
According to Wider Opportunities for
Women’s Basic Economic Security
Tables, the economic security wage
requirement for one worker with one
preschool-age child living in Fulton
County is $3,508 per month, or
$42,096 per year. In DeKalb County,
the basic economic security wage for
one adult and one child is similar, at
$3,510 per month, or $42,120 per
year.
3. 3
Workers earning more than $3,333 per
month are concentrated in north Fulton County:
Percent of Workers Earning More than $3,333 per Month, 2011
Source: OnTheMap, 2011, via Neighborhood Nexus
4. Although most households make more
than $40,000, many still have very low
levels of income:
Source: ACS 5-Year Estimates, 2009-2013
0
50,000
100,000
150,000
200,000
250,000
300,000
Household Income in the Past 12 Months, 20-County
Region, 2009-2013
(in 2013 Inflation-Adjusted Dollars)
5. Source: ACS 5-Year Estimates, 2009-2013
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Household Income in the Past 12 Months, 2009-2013
(2013 Inflation-Adjusted Dollars)
$200,000 or more
$150,000 to $199,999
$125,000 to $149,999
$100,000 to $124,999
$75,000 to $99,999
$60,000 to $74,999
$50,000 to $59,999
$45,000 to $49,999
$40,000 to $44,999
$35,000 to $39,999
$30,000 to $34,999
$25,000 to $29,999
$20,000 to $24,999
$15,000 to $19,999
$10,000 to $14,999
Less than $10,000
Income levels vary by county, some counties
housing higher percentages of low earners:
6. Source: ACS 5-Year Estimates, 2009-2013 via WeaveDataSource
And low and high income populations are
highly concentrated in some areas:
Large proportions of households in parts of the metro make
$200,000 or more, while in south Atlanta and other clusters, up to
89 percent of households earn less than $35,000.
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