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Georgia Family Statistics:
Context for FACS Program Development




           Robert B. Nielsen
     Department of Housing & Consumer Economics
      Housing and Demographic Research Center

 Extension FACS Program Development Conference
                    Athens, GA
                  October 2, 2012
Outline
1. Families’ current social and economic context
     a.k.a. Death by 1,000 Slides
2. A quick demographic snapshot of Georgia
   Including selected statistics on each issue area
3. Challenges and opportunities ahead
   As reported in situation statements, logic
    models, or trend statements
4. Conversation leading into the panel session

                                                            2
                     Prepared by Robert B. Nielsen, Ph.D.
Death by 1,000 slides

1. FAMILIES’ CURRENT SOCIAL AND
ECONOMIC CONTEXT

                                                               3
                        Prepared by Robert B. Nielsen, Ph.D.
My perspective…
Influential factors for families this century:
 Macro and microeconomic challenges
   – A two-recession decade included the Great Recession; an
     unprecedented housing crisis; poverty rates not seen since 1960s
 Increasing diversity
   – Increasingly multicultural society; “minority” births now majority
 Terrorism, wars, and conflict
   – From 9/11 to the longest war in U.S. history to cultural conflicts
 Rapid technological changes
   – Influences how consumers and families communicate, work, learn,
     recreate, and consume (perhaps a panel conversation)
 Political changes
   – Distrust of large institutions; cycles of optimism and pessimism;
     varying levels of excitement about new voters
                                                                          4
                          Prepared by Robert B. Nielsen, Ph.D.
My perspective II…
 Like most here, I view consumers and families
  from an ecological perspective.
 Individual consumers and families are
  influenced by—but also influence—the
  persons, processes, contexts, and time in
  which they interact in their social, political,
  economic, and physical environments.
 Still, where else would a family economist
  start but with income?
                                                         5
                  Prepared by Robert B. Nielsen, Ph.D.
$45,973
        GA




Title

              6
Income this Century
          Median Household Income 2000 to 2011: U.S. and Georgia
$60,000
            $54,841
                                                                                                                                         $50,054
$50,000

                                                                                                                                         $45,973
$40,000
            $41,901
$30,000

$20,000

$10,000

    $0
                          2001                     2003                      2005                      2007                      2009      2011
           Source: Income, Poverty, and Health Insurance Coverage in the United States (P60-243); All values expressed in 2011 dollars

                                                                                                                                              7
                                                       Prepared by Robert B. Nielsen, Ph.D.
8
9
By Your Own Bootstraps: 2010

 The percentage of working-age adults who live
  in poverty was the highest its been since 1966
  (13.7%)
 The percentage of people who live in the
  suburbs who are poor was at the highest level
  since 1967 (11.8%)
 If anyone can be expected to “pull themselves
  up by their own bootstraps” its these groups
  of Americans. Yet, they’re falling behind.
                                                        10
                 Prepared by Robert B. Nielsen, Ph.D.
GA
18.4%




 11
Bishaw, A. (2011). Poverty 2009
and 2010. ACS Brief ACSBR/10-
01. Available at
http://www.census.gov/prod/2      12
011pubs/acsbr10-01.pdf
7 Lowest and Highest Poverty Rates: 2010

                                     Poverty Rate              Median Household Income
     Fayette                                    6.7%                    $79,276
     Forsyth (FACS)                             7.2%                    $81,629
     Oconee (FACS)                              8.2%                    $76,298
     Cherokee                                   8.6%                    $63,520
     Columbia                                   8.8%                    $64,435
     Paulding                                   8.8%                    $61,496
     Harris                                     9.4%                    $62,264
     Clarke (FACS)                            33.3%                     $34,000
     Bulloch                                  34.3%                     $31,943
     Dougherty (FACS)                         35.1%                     $31,200
     Clay                                     35.7%                     $27,080
     Atkinson                                 36.3%                     $28,579
     Calhoun                                  36.8%                     $28,618
     Stewart (FACS)                           38.1%                     $26,659
     Source: U.S. Census Bureau, Small Area Estimates Branch
     Release date: 11.2011
                                                                                         13
                                 Prepared by Robert B. Nielsen, Ph.D.
14
15
16
How Bad Is It for Families with Kids?




                                                    17
             Prepared by Robert B. Nielsen, Ph.D.
Family Budget Shares




Source: USDA Center for Nutrition Policy and Promotion, http://www.cnpp.usda.gov/Publications/CRC/crc2011.pdf

                                                                                                                18
                                                 Prepared by Robert B. Nielsen, Ph.D.
Food Insecurity
                                                                                                                        GA
                                                                                                                        17.4%




                                                                                                                        GA
                                                                                                                        6.4%




Source: USDA Economic Research Service, http://www.ers.usda.gov/publications/err-economic-research-report/err141.aspx

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                                                 Prepared by Robert B. Nielsen, Ph.D.
59.6% GA

53.2% GA




31.8% GA

19.2% GA




           20
Nevada



                                                          Arizona, Florida
                                                   Georgia: 12.3, 3.4

                                NC               MI, AL           S. Carolina
US 2.6




                           US 10.2



                                                                               21
         Retrieved from http://www.census.gov/prod/cen2010/briefs/c2010br-07.pdf
22
Just when you thought things were OK

Let’s say the median wealth family has
 avoided poverty,
 avoided two-adult simultaneous unemployment,
 survived a recession (or two),
 enough (safe) food to eat,
 retained medical care access,
 not become unwilling landlords,
 not had to double-up,
 and managed not to hit one another while arguing.
It’s all good, right?

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                   Prepared by Robert B. Nielsen, Ph.D.
24
Absence of hardship doesn’t equal wellness

 A few estimates from the Federal Reserve’s
  most recent Survey of Consumer Finances:




                                                        25
                 Prepared by Robert B. Nielsen, Ph.D.
Absence of hardship doesn’t equal wellness




Source: Federal Reserve 2010 SCF Chartbook, http://www.federalreserve.gov/econresdata/scf/files/2010_SCF_Chartbook.pdf
                                                                                                                         26
                                                          Prepared by Robert B. Nielsen, Ph.D.
Absence of hardship doesn’t equal wellness




Source: Federal Reserve 2010 SCF Chartbook, http://www.federalreserve.gov/econresdata/scf/files/2010_SCF_Chartbook.pdf
                                                                                                                         27
                                                          Prepared by Robert B. Nielsen, Ph.D.
28
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
Absence of hardship doesn’t equal wellness

 The Consumer Financial Protection Bureau
  (our newest regulatory agency) is focusing its
  educational efforts on
  – mortgages,
  – credit cards, and
  – student loans.


 First a look…then the question, “Why?”

                                                          29
                   Prepared by Robert B. Nielsen, Ph.D.
Delinquincies




Source: New York Office of the Federal Reserve http://www.newyorkfed.org/householdcredit/
                                                                                                 30
                                                          Prepared by Robert B. Nielsen, Ph.D.
31
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
h


                                                                    h


                                                                    h




Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf




                                                                                                            32
                                                 Prepared by Robert B. Nielsen, Ph.D.
“Who is to blame?”




    Prepared by Robert B. Nielsen, Ph.D.
So I find myself asking…


   When can we
shift from SURVIVE
    to THRIVE?!
                                                 34
          Prepared by Robert B. Nielsen, Ph.D.
My tentative answer…

 When we stop pining
  for how how things
were and start working
toward what could be.
                                                35
         Prepared by Robert B. Nielsen, Ph.D.
2. A DEMOGRAPHIC SNAPSHOT OF
GEORGIA THIS CENTURY

                                                 36
          Prepared by Robert B. Nielsen, Ph.D.
Georgia Population

 Georgia is a populous and growing state
 Population estimates
  – 2000         8.1 million         10th in the U.S.
  – 2005         9.0 million         9th in the U.S.
  – 2010         9.5 million         9th in the U.S.
  – 2020         10.8 million (est.)
 How about your county?
  – This tool offers a population change snapshot.

                                                         37
                  Prepared by Robert B. Nielsen, Ph.D.
Increasingly Diverse Nation
                                                                                                                Number
                                              2000                                      2010                    Change
                                  Number              Percent             Number               Percent          Percent
 Total                               281,422                100.0            308,746                100.0            9.7
 Non-Hispanic
       White                         194,553                  69.1           196,818                  63.7           1.2
       Black                          33,948                  12.1            37,686                  12.2          11.0
       Asian                          10,123                    3.6           14,465                      4.7       42.9
       Islander                            354                  0.1                482                    0.2       36.2
       Am. Indian                       2,069                   0.7             2,247                     0.7        8.6
       Other                               468                  0.2                604                    0.2       29.1
       Two or more                      4,602                   1.6             5,966                     1.9       29.6
 Hispanic                             35,306                  12.5            50,478                  16.3          43.0
Source: U.S. Census Bureau (2000 and 2010 decennial censuses); expect slight variations due to rounding
                                                                                                                          38
                                                 Prepared by Robert B. Nielsen, Ph.D.
Increasingly Diverse Society
 Increasingly diverse society
  – Mapping two decades of change (Wash Post)
  – 2010 Decennial Census (Census Bureau)




                                                         39
                  Prepared by Robert B. Nielsen, Ph.D.
Increasingly Diverse State
                                                                                                                Number
                                              2000                                        2010                  Change
 (in thousands)                   Number               Percent             Number                Percent        Percent
 Total                                  8,072                 100.0               9,480             100.0           17.4
 Non-Hispanic
       White                            5,328                  65.1               8,787               59.7           8.6
       Black                            2,350                  28.7               2,950               30.5          25.6
       Asian                               173                   2.1                 315                  3.2       81.6
       Islander                                4                 0.1                      7               0.1       60.1
       Am. Indian                            22                  0.3                  32                  0.3       47.9
       Other                               196                   2.4                 389                  4.0       98.1
       Two or more                         114                   1.4                 208                  2.1       81.7
 Hispanic                                  435                   5.3                 854                  8.8       96.1
Source: U.S. Census Bureau (2000 and 2010 decennial censuses); expect slight variations due to rounding
                                                                                                                          40
                                                   Prepared by Robert B. Nielsen, Ph.D.
41
Available at http://www.census.gov/prod/cen2010/briefs/c2010br-04.pdf
From Center for American Progress
                     (Yes, they lean left)
      Top 10 things to know about Georgia’s demographics and
      immigration politics (I share a few)
      1. Georgia is at a demographic tipping point
               –           1 of 13 states where people of color make up more than 40% of
                           population.
      2.          People of color make up a substantial portion of Georgia’s
                  population
               –           African Americans make up 31.5% of population
               –           Hispanics or Latinos 8.8%
      3.          Georgia has a large racial generation gap
               –           73.2% age 60+ are non-Hispanic white
               –           46.9% of children are non-Hispanic white
      4.          Demographic change is reshaping the electorate
               –           Number of eligible Hispanic voters increased 181%--and they’re
                           young relative to whites
Available at: http://www.americanprogress.org/issues/race/news/2012/03/02/11191/the-top-10-
things-you-should-know-about-georgias-demographic-changes-and-immigration-politics/
                                                                                                              42
                                                                       Prepared by Robert B. Nielsen, Ph.D.
From Center for American Progress
                     (Yes, they lean left)
      Top 10 things to know about Georgia’s demographics and
      immigration politics (I share a few)

      5.          The state is feeling the effects of H.B. 87, the “papers please” law.
               –           Economic losses not yet determined, but estimates upward of $1B in
                           2011 growing season
      6.          Communities of color contribute to the state’s economy
               –           Unauthorized immigrants paid $456.3 million in state and local taxes
                           in 2010
               –           Purchasing power of Georgia’s Latinos estimated $17 billion
               –           32,500 Latino-owned business account for $6B revenue, employ
                           approximately 36,000
               –           Asian American-owned businesses increased 72% 2002-2007; GA
                           second-fastest growing state for Asian American-owned businesses


Available at: http://www.americanprogress.org/issues/race/news/2012/03/02/11191/the-top-10-
things-you-should-know-about-georgias-demographic-changes-and-immigration-politics/
                                                                                                              43
                                                                       Prepared by Robert B. Nielsen, Ph.D.
65.1
  %


5.3%




 67.5%   32.5%


  2.71   2.51




         44
Changing Household Structure
                                                   2000                                  2010                     Change

 (in thousands)                        Number             Percent            Number              Percent          Percent
 Total household                             3,006             100.0                 3,586                100.0       19.3
 Families                                    2,112               70.2                2,458                 68.5       16.4
    With own child <18                       1,051               35.0                1,258                 32.3       10.1
    Married couple                           1,549               51.5                1,715                 47.8       10.7
       With own child <18                      733               24.4                 757                  21.1        3.2
    Female head (no                            435               14.5                 568                  15.8       30.5
    Husb)
       With own child <18                      258                8.6                 320                   8.9       24.2
    Average size                               3.14                  --               3.17                   --        1.0
 Nonfamily households                          895               29.8                1,128                 31.5       26.0
    Living alone                               711               23.6                 909                  25.4       28.0
       65 or older                             210                7.0                 268                   7.5       27.5
    Average size                             2.65                  --                 2.63
Source: U.S. Census Bureau (2000 and 2010 decennial censuses); expect slight variations due to rounding      --        -0.8
                                                                                                                        45
                                              Prepared by Robert B. Nielsen, Ph.D.
Changing Household Structure




Available at
http://www.census.gov/prod/cen201
                                                                           46
0/briefs/c2010br-04.pdf
                                    Prepared by Robert B. Nielsen, Ph.D.
Largely as reported in Specialists’ Logic Models and Trend Statements

3. OPPORTUNITIES AND
CHALLENGES AHEAD

                                                                        47
                         Prepared by Robert B. Nielsen, Ph.D.
I can’t do each area justice and I’m not sure I should try at all…the
experts are in the room…still, it was part of my charge so here are a few
highlights as I see them (and on occasion I’m cross-eyed).


3.1 SELECTED STATISTICS ON EACH
ISSUE AREA

                                                                            48
                          Prepared by Robert B. Nielsen, Ph.D.
FACS Base Programs

3.1.1. ECONOMIC WELL-BEING FOR
INDIVIDUAL FAMILIES

                                                            49
                     Prepared by Robert B. Nielsen, Ph.D.
Georgians Will Manage Credit & Debt

Specialist: Michael Rupured
 People with higher credit scores are offered
  more favorable loan rates; this saves money
  that can be put to other uses.
 Georgia ranks 46th among the states for credit
  scores.
  – Augusta (710) and Savannah (713) have the
    distinction of being in the list of cities with the top
    ten worst Vantage scores
                                                           50
                    Prepared by Robert B. Nielsen, Ph.D.
Risk Management and Insurance
Specialist: Joan Koonce
 Deciding what kind and how much insurance an
  individual or family needs can be a daunting task.
 With the implementation of the Affordable Care
  Act, the health insurance marketplace is
  undergoing dramatic changes; all must soon
  participate in this complex and expensive
  marketplace.
  – www.healthcare.gov offers educational insights to
    consumers, including timeline of the rollout of new
    health insurance provisions


                                                           51
                    Prepared by Robert B. Nielsen, Ph.D.
FACS Base Programs

3.1.2. POSITIVE DEVELOPMENT FOR
INDIVIDUALS, FAMILIES, AND
COMMUNITIES
                                                            52
                     Prepared by Robert B. Nielsen, Ph.D.
In 2010
                                                                Women were 46.7% of the US labor
                                                                 force, a slightly larger share than at
                                                                 the start of the recession.
                                                                58.6% of women age 16+ were
                                                                 employed or looking for work.
                                                                Women were nearly twice as likely as
                                                                 men to work part time.
                                                                Women were nearly 50% more likely
                                                                 to work in the public sector than
                                                                 men; 18.2% of employed women
                                                                 worked in public sector jobs.
Source: Department of Labor (2011). Women’s Employment During the Recovery. Available at http://www.dol.gov/_sec/media/reports/FemaleLaborForce/FemaleLaborForce.pdf   53
                                                                      Prepared by Robert B. Nielsen, Ph.D.
Quality Caregiving for Children & Youth
Specialist: Diane Bales
 Child care has an enormous economic impact on Georgia.
   – The child care industry generates about $2.4 billion in gross
     receipts each year
   – employs more than 61,000 people directly
   – Parents with young children earn between $13.6 billion and
     $32.7 billion each year because child care is available
 Child care in Georgia offers long-term benefits by
   – helping children develop knowledge and skills that will enable
     them to be ready for school, be better students, more likely to
     complete high school, less likely to be in costly special education
     programs, less likely to commit crimes, and more likely to be
     productive members of our future workforce.



                                                                      54
                         Prepared by Robert B. Nielsen, Ph.D.
Intimate Partner Relationships
Specialist: Ted Futris
 In Georgia:
   – Marriage rate continues to decline (10.3 per 1000 total
     population in 1990 vs. 6.6 in 2009)
   – Nearly half of all marriages in a year are remarriages.
   – In 2009, 32% of high school students were in a physical
     fight one or more times during the past 12 months; 16%
     were hit, slapped, or physically hurt on purpose by their
     boyfriend or girlfriend.
   – The 2010 teen birth rate was 41.2 per 1,000 15-19 year
     old adolescent girls (13th highest).

                                                            55
                     Prepared by Robert B. Nielsen, Ph.D.
Specialist: Don Bower
 Said he’ll be covering his




                                                         56
                  Prepared by Robert B. Nielsen, Ph.D.
Specialist: Sharon Gibson
 Is part of the panel
 Still, my take…preparing youth to envision what
  could be if we embrace the future rather than
  pine for the past. Teens as planners!




                                                        57
                 Prepared by Robert B. Nielsen, Ph.D.
FACS Base Programs

3.1.3. FOOD SAFETY


                                                            58
                     Prepared by Robert B. Nielsen, Ph.D.
Safety of Locally Grown Produce
Specialist: Judy Harrison
 Georgia ranks 9th in the number of cases of
  foodborne disease illnesses
  – An estimated $1.2 billion cost in GA
 Local food producers report poor adherence to
  hygiene protocols, and 90% of consumers don’t
  ask about growing/production practices
 Readings Judy’s statement scared me! 
 By the way, my kids love all that is BAC!

                                                          59
                   Prepared by Robert B. Nielsen, Ph.D.
Preserve and Store Foods Safety
Specialists: Elizabeth Andress & Judy Harrison
 2010 Pew Charitable Trust estimates that a
  single case of botulism costs $726K in related
  medical services, deaths, lost work, disability.
 The majority of botulism cases in the U.S. are
  from home production
 1/3 of home canners ‘adapt and improvise’ in
  ways that may be dangerous

                                                         60
                  Prepared by Robert B. Nielsen, Ph.D.
Commercial Food Safety
Specialists: Elizabeth Andress & Judy Harrison
 ServSafe since 1995!
 Georgia has
   – over 16,000 inspected foodservice establishments
   – an industry that employs over 374,000 people (10% of the employment
     in Georgia), generating $15.2 billion in sales (National Restaurant Assn. projections for 2012)
 The benefit? Beyond physical wellness…
   –   Vibrio vulnificus $3,045,726
   –   Botulism $726,362
   –   E. coli O157:H7 $14,838
   –   Salmonella $9,146
   –   Campylobacter $8,901
   –   Listeriosis $1,695,143



                                                                                               61
                                 Prepared by Robert B. Nielsen, Ph.D.
FACS Base Programs

3.1.4. FOOD NUTRITION AND HEALTH


                                                            62
                     Prepared by Robert B. Nielsen, Ph.D.
Decreased Morbidity
Specialist: Connie Crawley
 2011 Georgia adults:
  – 28% obese; 62.7% overweight or obese; 24th in US
 2011 Georgia children:
  – 38% of high schoolers obese or overweight
 If average BMI reduced by just 5% by 2030
  – 7.7% savings in health care cost savings


                                                          63
                   Prepared by Robert B. Nielsen, Ph.D.
FACS Base Programs

3.1.5. HEALTHY, SAFE, AFFORDABLE
HOUSING ENVIRONMENTS

                                                            64
                     Prepared by Robert B. Nielsen, Ph.D.
Safe and Affordable Housing
Specialist: Pamela Turner
 GA housing market is showing signs of recovery;
  however, the demand for housing is not yet strong
  enough to consume the existing inventory.
 In the current market, individuals and families are
  faced with rising costs for electricity, water,
  gasoline, food and other necessities while income
  has remained stagnant or decreased.
 Tighter mortgage lending and weak consumer
  confidence has kept potential home buyers from
  taking advantage of historically low interest rates.

                                                          65
                   Prepared by Robert B. Nielsen, Ph.D.
Housing and Demographic Research Center (Dr. Tinsley)

3.1.5. GICH: COMMUNITY HOUSING
INITIATIVE

                                                               66
                        Prepared by Robert B. Nielsen, Ph.D.
Local Housing Assistance
Karen Tinsley
 Georgia Initiative for Community Housing (GICH)
  provides support and technical assistance to local
  housing efforts
  – Improve neighborhoods; revitalize community
 Partnership among HDRC, OVPPSO, Georgia Dept.
  of Community Affairs, and the Georgia Municipal
  Association. Also, Georgia EMC, Carl Vinson
  Institute, and Archway are implementation
  partners.
  – http://www.fcs.uga.edu/hace/hdrc/docs/GICHannRepor
    t2012lowRes%20for%20web.pdf
                                                         67
                  Prepared by Robert B. Nielsen, Ph.D.
If none, I have a slide graveyard we can walk through

4. CONVERSATION LEADING INTO
THE PANEL DISCUSSION.

                                                                68
                         Prepared by Robert B. Nielsen, Ph.D.
The micro- and macro- environment
                                                       Natural/Structured
                                                     MACROENVIRONMENT

                                                        Societal Systems
                                                     MACROENVIRONMENT



                                                     MICROENVIRONMENT



                         Physical    Economic                   Family                   Political   Human
                                                                System                                made

                                                 Physical                     Social




                                             Sociocultural                   Technological




                                                               Biological
Deacon & Firebaugh (1988).
Family Resource Management: Principles and Applications.
                                                  Prepared by Sharon Y. Nickols, Ph.D.
Slides not used for the presentation but that might be useful for the
panel question session afterward

GRAVEYARD


                                                                        70
                          Prepared by Robert B. Nielsen, Ph.D.
Long-Term Unemployment




Source: Department of Labor via Wall Street Journal,
http://online.wsj.com/article/SB1000142405270230381290
4577299982932070176.html
                                                                                                71
                                                         Prepared by Robert B. Nielsen, Ph.D.
72
Weekly Food Expenditures




Source: USDA Economic Research Service, http://www.ers.usda.gov/publications/err-economic-research-report/err141.aspx

                                                                                                                        73
                                                 Prepared by Robert B. Nielsen, Ph.D.
Current P60 Report




                                           74
    Prepared by Robert B. Nielsen, Ph.D.
On technology…

“Technology changes society by changing our
environment to which we, in turn, adapt. This
change is usually in the material environment, and
the adjustment we make to the changes often
modifies customs and social institutions.
Everywhere there is evidence of the stimulus of
war in developing an unprecedented number of
inventions which are being added to and changing
our material environment. We shall be interested
in seeing how these wartime developments in
applied science will change society in peacetime.”
Ogburn, William F. (1947). How technology changes society. Annals of the American
        Academy of Political and Social Science, 249, 81-88.
                                                                                    75
                                Prepared by Robert B. Nielsen, Ph.D.
76
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
77
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
78
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
79
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
80
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
81
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
82
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
83
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
84
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
85
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
86
Prepared by Robert B. Nielsen, Ph.D.

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Nielsen 2012 extension_prog_dev

  • 1. Georgia Family Statistics: Context for FACS Program Development Robert B. Nielsen Department of Housing & Consumer Economics Housing and Demographic Research Center Extension FACS Program Development Conference Athens, GA October 2, 2012
  • 2. Outline 1. Families’ current social and economic context  a.k.a. Death by 1,000 Slides 2. A quick demographic snapshot of Georgia  Including selected statistics on each issue area 3. Challenges and opportunities ahead  As reported in situation statements, logic models, or trend statements 4. Conversation leading into the panel session 2 Prepared by Robert B. Nielsen, Ph.D.
  • 3. Death by 1,000 slides 1. FAMILIES’ CURRENT SOCIAL AND ECONOMIC CONTEXT 3 Prepared by Robert B. Nielsen, Ph.D.
  • 4. My perspective… Influential factors for families this century:  Macro and microeconomic challenges – A two-recession decade included the Great Recession; an unprecedented housing crisis; poverty rates not seen since 1960s  Increasing diversity – Increasingly multicultural society; “minority” births now majority  Terrorism, wars, and conflict – From 9/11 to the longest war in U.S. history to cultural conflicts  Rapid technological changes – Influences how consumers and families communicate, work, learn, recreate, and consume (perhaps a panel conversation)  Political changes – Distrust of large institutions; cycles of optimism and pessimism; varying levels of excitement about new voters 4 Prepared by Robert B. Nielsen, Ph.D.
  • 5. My perspective II…  Like most here, I view consumers and families from an ecological perspective.  Individual consumers and families are influenced by—but also influence—the persons, processes, contexts, and time in which they interact in their social, political, economic, and physical environments.  Still, where else would a family economist start but with income? 5 Prepared by Robert B. Nielsen, Ph.D.
  • 6. $45,973 GA Title 6
  • 7. Income this Century Median Household Income 2000 to 2011: U.S. and Georgia $60,000 $54,841 $50,054 $50,000 $45,973 $40,000 $41,901 $30,000 $20,000 $10,000 $0 2001 2003 2005 2007 2009 2011 Source: Income, Poverty, and Health Insurance Coverage in the United States (P60-243); All values expressed in 2011 dollars 7 Prepared by Robert B. Nielsen, Ph.D.
  • 8. 8
  • 9. 9
  • 10. By Your Own Bootstraps: 2010  The percentage of working-age adults who live in poverty was the highest its been since 1966 (13.7%)  The percentage of people who live in the suburbs who are poor was at the highest level since 1967 (11.8%)  If anyone can be expected to “pull themselves up by their own bootstraps” its these groups of Americans. Yet, they’re falling behind. 10 Prepared by Robert B. Nielsen, Ph.D.
  • 12. Bishaw, A. (2011). Poverty 2009 and 2010. ACS Brief ACSBR/10- 01. Available at http://www.census.gov/prod/2 12 011pubs/acsbr10-01.pdf
  • 13. 7 Lowest and Highest Poverty Rates: 2010 Poverty Rate Median Household Income Fayette 6.7% $79,276 Forsyth (FACS) 7.2% $81,629 Oconee (FACS) 8.2% $76,298 Cherokee 8.6% $63,520 Columbia 8.8% $64,435 Paulding 8.8% $61,496 Harris 9.4% $62,264 Clarke (FACS) 33.3% $34,000 Bulloch 34.3% $31,943 Dougherty (FACS) 35.1% $31,200 Clay 35.7% $27,080 Atkinson 36.3% $28,579 Calhoun 36.8% $28,618 Stewart (FACS) 38.1% $26,659 Source: U.S. Census Bureau, Small Area Estimates Branch Release date: 11.2011 13 Prepared by Robert B. Nielsen, Ph.D.
  • 14. 14
  • 15. 15
  • 16. 16
  • 17. How Bad Is It for Families with Kids? 17 Prepared by Robert B. Nielsen, Ph.D.
  • 18. Family Budget Shares Source: USDA Center for Nutrition Policy and Promotion, http://www.cnpp.usda.gov/Publications/CRC/crc2011.pdf 18 Prepared by Robert B. Nielsen, Ph.D.
  • 19. Food Insecurity GA 17.4% GA 6.4% Source: USDA Economic Research Service, http://www.ers.usda.gov/publications/err-economic-research-report/err141.aspx 19 Prepared by Robert B. Nielsen, Ph.D.
  • 20. 59.6% GA 53.2% GA 31.8% GA 19.2% GA 20
  • 21. Nevada Arizona, Florida Georgia: 12.3, 3.4 NC MI, AL S. Carolina US 2.6 US 10.2 21 Retrieved from http://www.census.gov/prod/cen2010/briefs/c2010br-07.pdf
  • 22. 22
  • 23. Just when you thought things were OK Let’s say the median wealth family has  avoided poverty,  avoided two-adult simultaneous unemployment,  survived a recession (or two),  enough (safe) food to eat,  retained medical care access,  not become unwilling landlords,  not had to double-up,  and managed not to hit one another while arguing. It’s all good, right? 23 Prepared by Robert B. Nielsen, Ph.D.
  • 24. 24
  • 25. Absence of hardship doesn’t equal wellness  A few estimates from the Federal Reserve’s most recent Survey of Consumer Finances: 25 Prepared by Robert B. Nielsen, Ph.D.
  • 26. Absence of hardship doesn’t equal wellness Source: Federal Reserve 2010 SCF Chartbook, http://www.federalreserve.gov/econresdata/scf/files/2010_SCF_Chartbook.pdf 26 Prepared by Robert B. Nielsen, Ph.D.
  • 27. Absence of hardship doesn’t equal wellness Source: Federal Reserve 2010 SCF Chartbook, http://www.federalreserve.gov/econresdata/scf/files/2010_SCF_Chartbook.pdf 27 Prepared by Robert B. Nielsen, Ph.D.
  • 28. 28 Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • 29. Absence of hardship doesn’t equal wellness  The Consumer Financial Protection Bureau (our newest regulatory agency) is focusing its educational efforts on – mortgages, – credit cards, and – student loans.  First a look…then the question, “Why?” 29 Prepared by Robert B. Nielsen, Ph.D.
  • 30. Delinquincies Source: New York Office of the Federal Reserve http://www.newyorkfed.org/householdcredit/ 30 Prepared by Robert B. Nielsen, Ph.D.
  • 31. 31 Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • 32. h h h Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf 32 Prepared by Robert B. Nielsen, Ph.D.
  • 33. “Who is to blame?” Prepared by Robert B. Nielsen, Ph.D.
  • 34. So I find myself asking… When can we shift from SURVIVE to THRIVE?! 34 Prepared by Robert B. Nielsen, Ph.D.
  • 35. My tentative answer… When we stop pining for how how things were and start working toward what could be. 35 Prepared by Robert B. Nielsen, Ph.D.
  • 36. 2. A DEMOGRAPHIC SNAPSHOT OF GEORGIA THIS CENTURY 36 Prepared by Robert B. Nielsen, Ph.D.
  • 37. Georgia Population  Georgia is a populous and growing state  Population estimates – 2000 8.1 million 10th in the U.S. – 2005 9.0 million 9th in the U.S. – 2010 9.5 million 9th in the U.S. – 2020 10.8 million (est.)  How about your county? – This tool offers a population change snapshot. 37 Prepared by Robert B. Nielsen, Ph.D.
  • 38. Increasingly Diverse Nation Number 2000 2010 Change Number Percent Number Percent Percent Total 281,422 100.0 308,746 100.0 9.7 Non-Hispanic White 194,553 69.1 196,818 63.7 1.2 Black 33,948 12.1 37,686 12.2 11.0 Asian 10,123 3.6 14,465 4.7 42.9 Islander 354 0.1 482 0.2 36.2 Am. Indian 2,069 0.7 2,247 0.7 8.6 Other 468 0.2 604 0.2 29.1 Two or more 4,602 1.6 5,966 1.9 29.6 Hispanic 35,306 12.5 50,478 16.3 43.0 Source: U.S. Census Bureau (2000 and 2010 decennial censuses); expect slight variations due to rounding 38 Prepared by Robert B. Nielsen, Ph.D.
  • 39. Increasingly Diverse Society  Increasingly diverse society – Mapping two decades of change (Wash Post) – 2010 Decennial Census (Census Bureau) 39 Prepared by Robert B. Nielsen, Ph.D.
  • 40. Increasingly Diverse State Number 2000 2010 Change (in thousands) Number Percent Number Percent Percent Total 8,072 100.0 9,480 100.0 17.4 Non-Hispanic White 5,328 65.1 8,787 59.7 8.6 Black 2,350 28.7 2,950 30.5 25.6 Asian 173 2.1 315 3.2 81.6 Islander 4 0.1 7 0.1 60.1 Am. Indian 22 0.3 32 0.3 47.9 Other 196 2.4 389 4.0 98.1 Two or more 114 1.4 208 2.1 81.7 Hispanic 435 5.3 854 8.8 96.1 Source: U.S. Census Bureau (2000 and 2010 decennial censuses); expect slight variations due to rounding 40 Prepared by Robert B. Nielsen, Ph.D.
  • 42. From Center for American Progress (Yes, they lean left) Top 10 things to know about Georgia’s demographics and immigration politics (I share a few) 1. Georgia is at a demographic tipping point – 1 of 13 states where people of color make up more than 40% of population. 2. People of color make up a substantial portion of Georgia’s population – African Americans make up 31.5% of population – Hispanics or Latinos 8.8% 3. Georgia has a large racial generation gap – 73.2% age 60+ are non-Hispanic white – 46.9% of children are non-Hispanic white 4. Demographic change is reshaping the electorate – Number of eligible Hispanic voters increased 181%--and they’re young relative to whites Available at: http://www.americanprogress.org/issues/race/news/2012/03/02/11191/the-top-10- things-you-should-know-about-georgias-demographic-changes-and-immigration-politics/ 42 Prepared by Robert B. Nielsen, Ph.D.
  • 43. From Center for American Progress (Yes, they lean left) Top 10 things to know about Georgia’s demographics and immigration politics (I share a few) 5. The state is feeling the effects of H.B. 87, the “papers please” law. – Economic losses not yet determined, but estimates upward of $1B in 2011 growing season 6. Communities of color contribute to the state’s economy – Unauthorized immigrants paid $456.3 million in state and local taxes in 2010 – Purchasing power of Georgia’s Latinos estimated $17 billion – 32,500 Latino-owned business account for $6B revenue, employ approximately 36,000 – Asian American-owned businesses increased 72% 2002-2007; GA second-fastest growing state for Asian American-owned businesses Available at: http://www.americanprogress.org/issues/race/news/2012/03/02/11191/the-top-10- things-you-should-know-about-georgias-demographic-changes-and-immigration-politics/ 43 Prepared by Robert B. Nielsen, Ph.D.
  • 44. 65.1 % 5.3% 67.5% 32.5% 2.71 2.51 44
  • 45. Changing Household Structure 2000 2010 Change (in thousands) Number Percent Number Percent Percent Total household 3,006 100.0 3,586 100.0 19.3 Families 2,112 70.2 2,458 68.5 16.4 With own child <18 1,051 35.0 1,258 32.3 10.1 Married couple 1,549 51.5 1,715 47.8 10.7 With own child <18 733 24.4 757 21.1 3.2 Female head (no 435 14.5 568 15.8 30.5 Husb) With own child <18 258 8.6 320 8.9 24.2 Average size 3.14 -- 3.17 -- 1.0 Nonfamily households 895 29.8 1,128 31.5 26.0 Living alone 711 23.6 909 25.4 28.0 65 or older 210 7.0 268 7.5 27.5 Average size 2.65 -- 2.63 Source: U.S. Census Bureau (2000 and 2010 decennial censuses); expect slight variations due to rounding -- -0.8 45 Prepared by Robert B. Nielsen, Ph.D.
  • 46. Changing Household Structure Available at http://www.census.gov/prod/cen201 46 0/briefs/c2010br-04.pdf Prepared by Robert B. Nielsen, Ph.D.
  • 47. Largely as reported in Specialists’ Logic Models and Trend Statements 3. OPPORTUNITIES AND CHALLENGES AHEAD 47 Prepared by Robert B. Nielsen, Ph.D.
  • 48. I can’t do each area justice and I’m not sure I should try at all…the experts are in the room…still, it was part of my charge so here are a few highlights as I see them (and on occasion I’m cross-eyed). 3.1 SELECTED STATISTICS ON EACH ISSUE AREA 48 Prepared by Robert B. Nielsen, Ph.D.
  • 49. FACS Base Programs 3.1.1. ECONOMIC WELL-BEING FOR INDIVIDUAL FAMILIES 49 Prepared by Robert B. Nielsen, Ph.D.
  • 50. Georgians Will Manage Credit & Debt Specialist: Michael Rupured  People with higher credit scores are offered more favorable loan rates; this saves money that can be put to other uses.  Georgia ranks 46th among the states for credit scores. – Augusta (710) and Savannah (713) have the distinction of being in the list of cities with the top ten worst Vantage scores 50 Prepared by Robert B. Nielsen, Ph.D.
  • 51. Risk Management and Insurance Specialist: Joan Koonce  Deciding what kind and how much insurance an individual or family needs can be a daunting task.  With the implementation of the Affordable Care Act, the health insurance marketplace is undergoing dramatic changes; all must soon participate in this complex and expensive marketplace. – www.healthcare.gov offers educational insights to consumers, including timeline of the rollout of new health insurance provisions 51 Prepared by Robert B. Nielsen, Ph.D.
  • 52. FACS Base Programs 3.1.2. POSITIVE DEVELOPMENT FOR INDIVIDUALS, FAMILIES, AND COMMUNITIES 52 Prepared by Robert B. Nielsen, Ph.D.
  • 53. In 2010  Women were 46.7% of the US labor force, a slightly larger share than at the start of the recession.  58.6% of women age 16+ were employed or looking for work.  Women were nearly twice as likely as men to work part time.  Women were nearly 50% more likely to work in the public sector than men; 18.2% of employed women worked in public sector jobs. Source: Department of Labor (2011). Women’s Employment During the Recovery. Available at http://www.dol.gov/_sec/media/reports/FemaleLaborForce/FemaleLaborForce.pdf 53 Prepared by Robert B. Nielsen, Ph.D.
  • 54. Quality Caregiving for Children & Youth Specialist: Diane Bales  Child care has an enormous economic impact on Georgia. – The child care industry generates about $2.4 billion in gross receipts each year – employs more than 61,000 people directly – Parents with young children earn between $13.6 billion and $32.7 billion each year because child care is available  Child care in Georgia offers long-term benefits by – helping children develop knowledge and skills that will enable them to be ready for school, be better students, more likely to complete high school, less likely to be in costly special education programs, less likely to commit crimes, and more likely to be productive members of our future workforce. 54 Prepared by Robert B. Nielsen, Ph.D.
  • 55. Intimate Partner Relationships Specialist: Ted Futris  In Georgia: – Marriage rate continues to decline (10.3 per 1000 total population in 1990 vs. 6.6 in 2009) – Nearly half of all marriages in a year are remarriages. – In 2009, 32% of high school students were in a physical fight one or more times during the past 12 months; 16% were hit, slapped, or physically hurt on purpose by their boyfriend or girlfriend. – The 2010 teen birth rate was 41.2 per 1,000 15-19 year old adolescent girls (13th highest). 55 Prepared by Robert B. Nielsen, Ph.D.
  • 56. Specialist: Don Bower  Said he’ll be covering his 56 Prepared by Robert B. Nielsen, Ph.D.
  • 57. Specialist: Sharon Gibson  Is part of the panel  Still, my take…preparing youth to envision what could be if we embrace the future rather than pine for the past. Teens as planners! 57 Prepared by Robert B. Nielsen, Ph.D.
  • 58. FACS Base Programs 3.1.3. FOOD SAFETY 58 Prepared by Robert B. Nielsen, Ph.D.
  • 59. Safety of Locally Grown Produce Specialist: Judy Harrison  Georgia ranks 9th in the number of cases of foodborne disease illnesses – An estimated $1.2 billion cost in GA  Local food producers report poor adherence to hygiene protocols, and 90% of consumers don’t ask about growing/production practices  Readings Judy’s statement scared me!   By the way, my kids love all that is BAC! 59 Prepared by Robert B. Nielsen, Ph.D.
  • 60. Preserve and Store Foods Safety Specialists: Elizabeth Andress & Judy Harrison  2010 Pew Charitable Trust estimates that a single case of botulism costs $726K in related medical services, deaths, lost work, disability.  The majority of botulism cases in the U.S. are from home production  1/3 of home canners ‘adapt and improvise’ in ways that may be dangerous 60 Prepared by Robert B. Nielsen, Ph.D.
  • 61. Commercial Food Safety Specialists: Elizabeth Andress & Judy Harrison  ServSafe since 1995!  Georgia has – over 16,000 inspected foodservice establishments – an industry that employs over 374,000 people (10% of the employment in Georgia), generating $15.2 billion in sales (National Restaurant Assn. projections for 2012)  The benefit? Beyond physical wellness… – Vibrio vulnificus $3,045,726 – Botulism $726,362 – E. coli O157:H7 $14,838 – Salmonella $9,146 – Campylobacter $8,901 – Listeriosis $1,695,143 61 Prepared by Robert B. Nielsen, Ph.D.
  • 62. FACS Base Programs 3.1.4. FOOD NUTRITION AND HEALTH 62 Prepared by Robert B. Nielsen, Ph.D.
  • 63. Decreased Morbidity Specialist: Connie Crawley  2011 Georgia adults: – 28% obese; 62.7% overweight or obese; 24th in US  2011 Georgia children: – 38% of high schoolers obese or overweight  If average BMI reduced by just 5% by 2030 – 7.7% savings in health care cost savings 63 Prepared by Robert B. Nielsen, Ph.D.
  • 64. FACS Base Programs 3.1.5. HEALTHY, SAFE, AFFORDABLE HOUSING ENVIRONMENTS 64 Prepared by Robert B. Nielsen, Ph.D.
  • 65. Safe and Affordable Housing Specialist: Pamela Turner  GA housing market is showing signs of recovery; however, the demand for housing is not yet strong enough to consume the existing inventory.  In the current market, individuals and families are faced with rising costs for electricity, water, gasoline, food and other necessities while income has remained stagnant or decreased.  Tighter mortgage lending and weak consumer confidence has kept potential home buyers from taking advantage of historically low interest rates. 65 Prepared by Robert B. Nielsen, Ph.D.
  • 66. Housing and Demographic Research Center (Dr. Tinsley) 3.1.5. GICH: COMMUNITY HOUSING INITIATIVE 66 Prepared by Robert B. Nielsen, Ph.D.
  • 67. Local Housing Assistance Karen Tinsley  Georgia Initiative for Community Housing (GICH) provides support and technical assistance to local housing efforts – Improve neighborhoods; revitalize community  Partnership among HDRC, OVPPSO, Georgia Dept. of Community Affairs, and the Georgia Municipal Association. Also, Georgia EMC, Carl Vinson Institute, and Archway are implementation partners. – http://www.fcs.uga.edu/hace/hdrc/docs/GICHannRepor t2012lowRes%20for%20web.pdf 67 Prepared by Robert B. Nielsen, Ph.D.
  • 68. If none, I have a slide graveyard we can walk through 4. CONVERSATION LEADING INTO THE PANEL DISCUSSION. 68 Prepared by Robert B. Nielsen, Ph.D.
  • 69. The micro- and macro- environment Natural/Structured MACROENVIRONMENT Societal Systems MACROENVIRONMENT MICROENVIRONMENT Physical Economic Family Political Human System made Physical Social Sociocultural Technological Biological Deacon & Firebaugh (1988). Family Resource Management: Principles and Applications. Prepared by Sharon Y. Nickols, Ph.D.
  • 70. Slides not used for the presentation but that might be useful for the panel question session afterward GRAVEYARD 70 Prepared by Robert B. Nielsen, Ph.D.
  • 71. Long-Term Unemployment Source: Department of Labor via Wall Street Journal, http://online.wsj.com/article/SB1000142405270230381290 4577299982932070176.html 71 Prepared by Robert B. Nielsen, Ph.D.
  • 72. 72
  • 73. Weekly Food Expenditures Source: USDA Economic Research Service, http://www.ers.usda.gov/publications/err-economic-research-report/err141.aspx 73 Prepared by Robert B. Nielsen, Ph.D.
  • 74. Current P60 Report 74 Prepared by Robert B. Nielsen, Ph.D.
  • 75. On technology… “Technology changes society by changing our environment to which we, in turn, adapt. This change is usually in the material environment, and the adjustment we make to the changes often modifies customs and social institutions. Everywhere there is evidence of the stimulus of war in developing an unprecedented number of inventions which are being added to and changing our material environment. We shall be interested in seeing how these wartime developments in applied science will change society in peacetime.” Ogburn, William F. (1947). How technology changes society. Annals of the American Academy of Political and Social Science, 249, 81-88. 75 Prepared by Robert B. Nielsen, Ph.D.
  • 76. 76 Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • 77. 77 Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • 78. 78 Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • 79. 79 Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • 80. 80 Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • 81. 81 Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • 82. 82 Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • 83. 83 Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • 84. 84 Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • 85. 85 Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
  • 86. 86 Prepared by Robert B. Nielsen, Ph.D.

Notes de l'éditeur

  1. http://www.stonybrook.edu/workingclass/publications/Casualty%20study%20main%20report%20Oct%202011.pdf http://www.prb.org/pdf11/reports-on-america-2010-census.pdf
  2. Also see Dan Weinberg’s Income Inequality Report using ACShttp://www.census.gov/prod/2011pubs/acs-16.pdf (which notes Athens-Clark as a top-five inequality location)http://www.census.gov/prod/2012pubs/acsbr10-18.pdf
  3. America&apos;s economic history is rife with tales of individuals who overcame incredible obstacles to achieve economic success. However, the past decade has proven to be one of the most economically challenging on record. (CLICK for bullet 1) The most recent government estimates indicate that the percentage of working-age adults who live in poverty is the highest its been since 1966 (13.7%) and the percentage of people who live in the suburbs who are poor is at the highest (CLICK for bullet 2) level since 1967 (11.8%). (CLICK for bullet 3) If anyone can be expected to pull themselves up by their own bootstraps, it&apos;s these Americans. Yet, they&apos;re falling behind. This class explores the causes and consequences of the current economic hardships that have caused what has been dubbed &quot;The Lost Decade.&quot;
  4. In 2011, the official poverty rate was 15.0 percent. There were 46.2 million people in poverty.After 3 consecutive years of increases, neither the official poverty rate nor the number of people in poverty were statistically different from the 2010 estimates.The 2011 poverty rates for most demographic groups examined were not statistically different from their 2010 rates. Poverty rates were lower in 2011 than in 2010 for six groups: Hispanics, males, the foreign-born, nonciti¬zens, people living in the South, and people living inside metropol¬itan statistical areas but outside principal cities. Poverty rates went up between 2010 and 2011 for naturalized citizens.For most groups, the number of people in poverty either decreased or did not show a statistically significant change. The number of people in poverty decreased for noncitizens, people living in the South, and people living inside metropolitan statistical areas but outside principal cities between 2010 and 2011. The number of naturalized citizens in poverty increased.The poverty rate in 2011 for children under age 18 was 21.9 per-cent. The poverty rate for people aged 18 to 64 was 13.7 percent, while the rate for people aged 65 and older was 8.7 percent. None of the rates for these age groups were statistically different from their 2010 estimates. (the above text verbatim from http://www.census.gov/hhes/www/poverty/data/incpovhlth/2011/highlights.html)
  5. ACSBR/10-01 at http://www.census.gov/prod/2011pubs/acsbr10-01.pdf
  6. U.S. was 14.7% food insecure and 5.6% very low food security
  7. Atlanta Homeowner Vacancy Rate 3.0; Rental Vacancy Rate 13.8
  8. “These young adults who lived with their parents had an official poverty rate of only 8.4 percent, since the income of their entire family is compared with the poverty threshold. If their poverty status were determined by their own income, 45.3 percent would have had income falling below the poverty threshold for a single person under age 65.” http://blogs.census.gov/2011/09/13/households-doubling-up/
  9. Federal Reserve 2010 SCF and http://www.nytimes.com/2012/06/12/business/economy/family-net-worth-drops-to-level-of-early-90s-fed-says.html?_r=0
  10. Federal Reserve 2010 SCF and http://www.nytimes.com/2012/06/12/business/economy/family-net-worth-drops-to-level-of-early-90s-fed-says.html?_r=0
  11. http://www.nytimes.com/2012/06/12/business/economy/family-net-worth-drops-to-level-of-early-90s-fed-says.html?_r=0
  12. http://www.nytimes.com/2012/06/12/business/economy/family-net-worth-drops-to-level-of-early-90s-fed-says.html?_r=0
  13. http://www.newyorkfed.org/householdcredit/
  14. Loan types. In our analysis we distinguish between the following types of accounts: mortgage accounts, home equity revolving accounts, auto loans, bank card accounts, student loans and other loan accounts. Mortgage accounts include all mortgage installment loans, including first mortgages and home equity installment loans (HEL), both of which are closed-end loans. Home Equity Revolving accounts (aka Home Equity Line of Credit or HELOC), unlike home equity installment loans, are home equity loans with a revolving line of credit where the borrower can choose when and how often to borrow up to an updated credit limit. Auto Loans are loans taken out to purchase a car, including Auto Bank loans provided by banking institutions (banks, credit unions, savings and loan associations), and Auto Finance loans, provided by automobile dealers and automobile financing companies. Bankcard accounts (or credit card accounts) are revolving accounts for banks, bankcard companies, national credit card companies, credit unions and savings &amp; loan associations. Student Loans include loans to finance educational expenses provided by banks, credit unions and other financial institutions as well as federal and state governments. The Other category includes Consumer Finance (sales financing, personal loans) and Retail (clothing, grocery, department stores, home furnishings, gas etc) loans.
  15. http://2010.census.gov/2010census/data/
  16. http://www.11alive.com/news/article/183232/165/Census-Hispanic-population-explosion-in-Georgia-especially-in-Gwinnett-County
  17. http://www.census.gov/prod/cen2010/briefs/c2010br-04.pdf
  18. http://www.census.gov/prod/2012pubs/p60-243.pdf
  19. http://www.stonybrook.edu/workingclass/publications/Casualty%20study%20main%20report%20Oct%202011.pdf http://www.prb.org/pdf11/reports-on-america-2010-census.pdf