Investing in Real Estate 101 (The Beginning) — The Frugal Samurai

“Hey TheFrugalSamurai, I’m keen to purchase this property but don’t know if I should do it – what are your thoughts?” This message popped up on my private messages one morning. YIPPEE KI-YAY was my first thought, finally through the mist of obscurity I’ve become someone of repute, of unquestionable character, a subject matter expert, […]

via Investing in Real Estate 101 (The Beginning) — The Frugal Samurai

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Proposed State Budget Increases Fail to Address Critical Issues in Higher Education

by Taylor Myers

Policy and Research Analysis

On January 10, 2018, Governor Brown released his final budget proposal, a $131.7 billion spending plan for the next fiscal year. The proposal earmarks $18.5 billion in General Fund appropriations for higher education. Following its release, California Competes published an initial analysis of the new budget which highlighted an expansion of investments in full-time student success and innovations targeted at the millions of workers who lack a college credential. While there are many reasons to be optimistic about the proposal, as a policy blueprint, it fails to address several critical issues for improving student access and success across the state:

1. Investing in college completion is critical to promote degree attainment and close the degree gap.

California needs 2.4 million more credentials and degrees by 2025 to remain economically competitive and closing this gap requires every segment to significantly increase degree attainment. The state has historically been inconsistent with imposing enrollment goals on CSU and UC, and has never imposed a strict completion or attainment goal on the segments. This year is no different—the Governor’s budget does not include any enrollment growth or completion rate expectations for either the UC or CSU.

2. Strong policies to support on-time completion and transfer should support the cost of non-tuition expenses while students attend full-time.

Research suggests that full time students who work between five and ten hours per week are less likely to see their academic performance impaired by their jobs than students who work more than 20 hours per week. However, many students need to work longer hours to cover living expenses. Incentive programs that seek to increase full-time attendance, like the proposed consolidated grant for full-time Community College students, should consider the difficult decisions students face when deciding between academics and work. The California College Promise may address this challenge for students who are eligible for regional college promise programs; regions may use their local programs to support students for a second year of full-time attendance, or to cover non-tuition costs. For students who do not qualify for the California College Promise, or who are not additionally covered by a regional college promise program, a solution has yet to be offered.

3. California’s competitive economy depends on increasing degree attainment, which can’t happen without statewide cross-segmental coordination and aligned data practices.

This spending plan doesn’t address the need for statewide, cross-segmental coordination of higher education systems. Several legislative attempts to create one have been introduced, including the current measure AB 1936, authored by Assembly Members Low and Eggman. Over the last several months, policymakers have shown interest in revisiting the Master Plan for Higher Education and in considering more aligned goals for the state’s public higher education segments. But despite demonstrated enthusiasm from policymakers, the budget does not address the need for statewide coordination.

Nor does it include any impactful provisions for data collection and sharing – it leaves institutions to continue to serve as gatekeepers and stewards of information on student and programmatic outcomes. Currently, state policymakers and researchers have no way of efficiently and robustly evaluating the impacts of the state’s higher education investments. California desperately needs a statewide longitudinal data system to evaluate the impacts of the myriad of programs receiving funds from the state.

As they continue to refine the state’s 2018-2019 higher education budget, policymakers should consider the efficacy of the policy changes proposed in the current budget in the absence of the critical components discussed above. Addressing the needs of California’s diverse student population and ensuring equity in educational attainment and economic opportunities requires significant investment from the state in meaningful segmental or institutional goals, stronger higher education finance policies, intentional cross-segmental coordination, and a robust longitudinal student data system.

42 million Americans struggle to find their next meal.

When most people think about hunger, they think of a starving child in a third-world country. Or perhaps they think of a long line of homeless people waiting outside an inner-city soup kitchen.

The truth is: hunger is a HUGE problem everywhere in the United States, but it’s not always easy to see. In a country known for its wealth and prosperity, 42 million Americans struggle to find their next meal.

The face of hunger has changed. No longer is it just the homeless man on the street reaching out for a helping hand, but every day millions of people are struggling to feed their families. No one is a stranger to the economic hardships of today.

soup_about_hunger

Hunger is all around us. Hunger is not limited to a single demographic or geographic region of the country. It is not a problem only affecting the homeless or the poorest of the poor. Hunger is everywhere, and the numbers are staggering.

As the economy continues to put a strain on our wallets, people are being forced to make extremely difficult decisions. What does hunger look like, you might ask?

  • It is your father-in-law who just got laid off and now struggles to pay his mortgage and put food on the table.
  • It is your elderly neighbor who must choose between buying groceries and heating her home.
  • It is your child’s classmate who goes to school each day without lunch and is too embarrassed to ask for help.

Adults who suffer from hunger live shorter, less healthy, and less happy lives. They are more likely to be obese, more prone to mental illness, and more susceptible to deadly diseases. Hunger is terrible for adults, but it’s so much worse for children.

child_hunger_medium

Hunger and malnourishment go hand-in-hand, and kids who miss out on essential nutrients during their critical years of growth will be dramatically disadvantaged for the remainder of their lives. 1 in 6 American children go to bed hungry each night.

According to the Food Research and Action Center, hungry children have compromised immune systems and are two to four times as likely as nourished children to develop health problems—ranging from the relatively minor to potentially fatal. Childhood hunger also impairs cognitive development. Kids who don’t have enough to eat do worse academically, do worse socially, and risk becoming so impacted—even by only temporary food insecurity—that recovery becomes impossible.

Most people tend to think about hunger during the holiday season. We see a ton of food drives occur right around Thanksgiving. But what happens during the rest of the year? Food insecurity is a year-round issue affecting millions of families and individuals across the country.

schoolbus

The summer months are the most difficult time for our nation’s food banks. During the school year, hungry children get the majority of their daily calories from free or reduced price school lunches. When school is out of session, those calories must come from somewhere else. There are summer meal programs, but over 13 million children face a greater risk of hunger during the summer because those programs are difficult to access and underfunded.

Thankfully, the summer is also the busiest season for the moving industry, so Move For Hunger has a great opportunity to fill the shelves of our communities’ food banks. Move For Hunger works to rescue food from people’s homes that would otherwise be thrown away and get it to local food banks where it’s needed.

Want to make a difference?

Click here to Get Involved in our fight against hunger.

Share an infographic from our Visualize Hunger collection on Facebook, Twitter, and Instagram.

Upcoming Move? Helpful Tips for Household Packing and Moving

Thanks NEDRAC!

If you have an upcoming move, figuring out where to even start can be intimidating. Household packing and moving is not something most people look forward to, but we have collected some helpful tips from articles on Moving.com, BuzzfeedHGTV and How Stuff Works to help your next move go a little smoother. Here is a summary of what we found.

Packing Tips

The following are some basic tips for household packing:

  • Don’t Procrastinate – This seems simple enough, but getting started can be difficult. A few weeks prior to your move, start packing several boxes a day.
  • Pack Room-by-Room – Focus on one area of a room at a time and don’t mix items from different rooms in one box.
  • Label Boxes Clearly – On the top and side of each box, write a general description of the contents and the room name.
  • Use Packing Paper – Regular newspaper may bleed ink onto your possessions. Use white packing paper to wrap all items.
  • Stick with Moving Boxes – Use boxes designed for moving. Boxes obtained from grocery or liquor stores are not always clean and might not hold the weight of the items that you will be putting in them.
  • Don’t Box up Everything – You should personally transport heirlooms, important papers, legal documents (wills, passports. etc.), and valuables.

Moving Tips

Now you’re packed, here are some tips for the actual move:

  • Keep Children and Pets Out of the Way – No matter who is moving your things — professional movers or friends — they don’t want a barking dog or a rambunctious kid running around while they’re carrying heavy boxes and furniture.
  • Pack an Overnight Bag Containing the Essentials – Chances are, you’ll be too tired to unpack your things. You’ll want your essentials within easy access.
  • Change Your Address at the Post Office – Try to submit the change address form two weeks prior to the move to avoid missing timely mail like bills.
  • Write Down Your Utility Meter Readings – When you receive your final bill from your utility companies, verify that the figures match up.
  • Make Sure There’s Parking for the Truck – When the moving van or truck arrives at the new place, it will need a place to park and unload. This can become complicated depending on what type of home you’re moving into. For example, if you’re moving into a house, the truck can simply park out front. But if you’re moving into a high rise building, then you may need to set up a place ahead of time for the van or truck. You may also need to reserve an elevator. This should be set up beforehand, so the movers can carry things in as quickly as possible when they arrive.

CALL ED MELTON for your next relocation : 916-563-7472

emelton@chipmanrelo.com