Global Lehigh Strategic Initiatives (without descriptions)
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
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Prepared by Robert B. Nielsen, Ph.D.
3. Death by 1,000 slides
1. FAMILIES’ CURRENT SOCIAL AND
ECONOMIC CONTEXT
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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
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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?
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Prepared by Robert B. Nielsen, Ph.D.
7. Income this Century
Median Household Income 2000 to 2011: U.S. and Georgia
$60,000
$54,841
$50,054
$50,000
$45,973
$40,000
$41,901
$30,000
$20,000
$10,000
$0
2001 2003 2005 2007 2009 2011
Source: Income, Poverty, and Health Insurance Coverage in the United States (P60-243); All values expressed in 2011 dollars
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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.
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17. How Bad Is It for Families with Kids?
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18. Family Budget Shares
Source: USDA Center for Nutrition Policy and Promotion, http://www.cnpp.usda.gov/Publications/CRC/crc2011.pdf
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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
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Prepared by Robert B. Nielsen, Ph.D.
21. Nevada
Arizona, Florida
Georgia: 12.3, 3.4
NC MI, AL S. Carolina
US 2.6
US 10.2
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Retrieved from http://www.census.gov/prod/cen2010/briefs/c2010br-07.pdf
23. Just when you thought things were OK
Let’s say the median wealth family has
avoided poverty,
avoided two-adult simultaneous unemployment,
survived a recession (or two),
enough (safe) food to eat,
retained medical care access,
not become unwilling landlords,
not had to double-up,
and managed not to hit one another while arguing.
It’s all good, right?
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Prepared by Robert B. Nielsen, Ph.D.
25. Absence of hardship doesn’t equal wellness
A few estimates from the Federal Reserve’s
most recent Survey of Consumer Finances:
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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
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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
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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?”
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30. Delinquincies
Source: New York Office of the Federal Reserve http://www.newyorkfed.org/householdcredit/
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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
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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?!
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35. My tentative answer…
When we stop pining
for how how things
were and start working
toward what could be.
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36. 2. A DEMOGRAPHIC SNAPSHOT OF
GEORGIA THIS CENTURY
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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.
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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
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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)
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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
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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/
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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/
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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
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47. Largely as reported in Specialists’ Logic Models and Trend Statements
3. OPPORTUNITIES AND
CHALLENGES AHEAD
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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
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49. FACS Base Programs
3.1.1. ECONOMIC WELL-BEING FOR
INDIVIDUAL FAMILIES
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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
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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
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Prepared by Robert B. Nielsen, Ph.D.
52. FACS Base Programs
3.1.2. POSITIVE DEVELOPMENT FOR
INDIVIDUALS, FAMILIES, AND
COMMUNITIES
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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.
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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).
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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!
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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!
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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
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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
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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
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64. FACS Base Programs
3.1.5. HEALTHY, SAFE, AFFORDABLE
HOUSING ENVIRONMENTS
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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.
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66. Housing and Demographic Research Center (Dr. Tinsley)
3.1.5. GICH: COMMUNITY HOUSING
INITIATIVE
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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
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68. If none, I have a slide graveyard we can walk through
4. CONVERSATION LEADING INTO
THE PANEL DISCUSSION.
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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
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71. Long-Term Unemployment
Source: Department of Labor via Wall Street Journal,
http://online.wsj.com/article/SB1000142405270230381290
4577299982932070176.html
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Prepared by Robert B. Nielsen, Ph.D.
73. Weekly Food Expenditures
Source: USDA Economic Research Service, http://www.ers.usda.gov/publications/err-economic-research-report/err141.aspx
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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.
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76. 76
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
77. 77
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
78. 78
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
79. 79
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
80. 80
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
81. 81
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
82. 82
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
83. 83
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
84. 84
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
85. 85
Source: Federal Reserve 2012 SCF Bulletin, http://www.federalreserve.gov/pubs/bulletin/2012/pdf/scf12.pdf
Also see Dan Weinberg’s Income Inequality Report using ACShttp://www.census.gov/prod/2011pubs/acs-16.pdf (which notes Athens-Clark as a top-five inequality location)http://www.census.gov/prod/2012pubs/acsbr10-18.pdf
America's economic history is rife with tales of individuals who overcame incredible obstacles to achieve economic success. However, the past decade has proven to be one of the most economically challenging on record. (CLICK for bullet 1) The most recent government estimates indicate that the percentage of working-age adults who live in poverty is the highest its been since 1966 (13.7%) and the percentage of people who live in the suburbs who are poor is at the highest (CLICK for bullet 2) level since 1967 (11.8%). (CLICK for bullet 3) If anyone can be expected to pull themselves up by their own bootstraps, it's these Americans. Yet, they're falling behind. This class explores the causes and consequences of the current economic hardships that have caused what has been dubbed "The Lost Decade."
In 2011, the official poverty rate was 15.0 percent. There were 46.2 million people in poverty.After 3 consecutive years of increases, neither the official poverty rate nor the number of people in poverty were statistically different from the 2010 estimates.The 2011 poverty rates for most demographic groups examined were not statistically different from their 2010 rates. Poverty rates were lower in 2011 than in 2010 for six groups: Hispanics, males, the foreign-born, nonciti¬zens, people living in the South, and people living inside metropol¬itan statistical areas but outside principal cities. Poverty rates went up between 2010 and 2011 for naturalized citizens.For most groups, the number of people in poverty either decreased or did not show a statistically significant change. The number of people in poverty decreased for noncitizens, people living in the South, and people living inside metropolitan statistical areas but outside principal cities between 2010 and 2011. The number of naturalized citizens in poverty increased.The poverty rate in 2011 for children under age 18 was 21.9 per-cent. The poverty rate for people aged 18 to 64 was 13.7 percent, while the rate for people aged 65 and older was 8.7 percent. None of the rates for these age groups were statistically different from their 2010 estimates. (the above text verbatim from http://www.census.gov/hhes/www/poverty/data/incpovhlth/2011/highlights.html)
ACSBR/10-01 at http://www.census.gov/prod/2011pubs/acsbr10-01.pdf
U.S. was 14.7% food insecure and 5.6% very low food security
Atlanta Homeowner Vacancy Rate 3.0; Rental Vacancy Rate 13.8
“These young adults who lived with their parents had an official poverty rate of only 8.4 percent, since the income of their entire family is compared with the poverty threshold. If their poverty status were determined by their own income, 45.3 percent would have had income falling below the poverty threshold for a single person under age 65.” http://blogs.census.gov/2011/09/13/households-doubling-up/
Federal Reserve 2010 SCF and http://www.nytimes.com/2012/06/12/business/economy/family-net-worth-drops-to-level-of-early-90s-fed-says.html?_r=0
Federal Reserve 2010 SCF and http://www.nytimes.com/2012/06/12/business/economy/family-net-worth-drops-to-level-of-early-90s-fed-says.html?_r=0
Loan types. In our analysis we distinguish between the following types of accounts: mortgage accounts, home equity revolving accounts, auto loans, bank card accounts, student loans and other loan accounts. Mortgage accounts include all mortgage installment loans, including first mortgages and home equity installment loans (HEL), both of which are closed-end loans. Home Equity Revolving accounts (aka Home Equity Line of Credit or HELOC), unlike home equity installment loans, are home equity loans with a revolving line of credit where the borrower can choose when and how often to borrow up to an updated credit limit. Auto Loans are loans taken out to purchase a car, including Auto Bank loans provided by banking institutions (banks, credit unions, savings and loan associations), and Auto Finance loans, provided by automobile dealers and automobile financing companies. Bankcard accounts (or credit card accounts) are revolving accounts for banks, bankcard companies, national credit card companies, credit unions and savings & loan associations. Student Loans include loans to finance educational expenses provided by banks, credit unions and other financial institutions as well as federal and state governments. The Other category includes Consumer Finance (sales financing, personal loans) and Retail (clothing, grocery, department stores, home furnishings, gas etc) loans.