Where to retire, When to retire? How much money do I need? How to survive the early retirement? Should I retire or work longer? Should I withdraw my Social Security now or wait?
Riverside officials will consider an ambitious list of initiatives to reduce homelessness in the city, such as asking churches to offer temporary shelter, creating a job training and employment program and encouraging developers to build affordable housing.
The ideas aim to address what city leaders say is the No. 1 complaint they hear from the community. They’ll be discussed at a day-long workshop Tuesday, Oct. 11, with more than 30 speakers representing business, nonprofit groups and law enforcement
Officials on Tuesday, Oct.11, will tackle ideas such as more help from churches and a jobs program.
Not that it was easy to forget all the other people I saw while touring Hollywood in the pre-dawn hours Friday.
Rachel "Raquel" Phillips sleeps at Highland and Franklin, one of the busiest intersections in Hollywood. (Francine Orr / Los Angeles Times)
Fifteen years??? The pavement is permanently discolored because Raquel has been there, in that same spot, for 15 years.
Fifteen years!
Photographer Francine Orr and I were traveling with Anthony Ruffin and Rudy Salinas of Housing Works, a nonprofit that steers homeless people into housing and services. Ruffin and Salinas were hoping to use the forecast of rain to talk people into shelter, or into hospitals, depending on the need.
Housing Works is one of the many supporters of Measure HHH on the Nov. 6 ballot in Los Angeles. It would raise $1.2 billion for housing, with the county expected to provide needed services for residents. Salinas said the current critical housing shortage is a killer. Even when Housing Works manages to persuade sick, resistant homeless people to move inside, there’s nowhere to put them.
This homeless encampment was near a bicycle trail north of Auzerais Avenue near Los Gatos Creek in San Jose. According to South Bay Clean Creeks Coalition founder Steve Holmes, state game wardens no longer patrol the area, leaving city park rangers to do so.
Homeless woman with dogs, Haight Street, San Francisco, CA
By http://www.flickr.com/photos/livenature/ - http://www.flickr.com/photos/livenature/256934977/sizes/o/, CC BY-SA 2.0, https://commons.wikimedia.org/w/index.php?curid=8628782
https://youtu.be/I0P8RLSW3Eo
https://youtu.be/2_TqB1uzRdM
BILLIONAIRES BACK BID TO BAN SF HOMELESS CAMPS
The sidewalks of San Francisco will become a battleground for billionaires this election season as a proposition on the ballot, Proposition Q, seeks to tackle the issue of homeless encampments. The measure is sponsored by Supervisor Mark Farrell and supported largely by venture capitalists William Oberndorf, Michael Moritz and Ron Conway according to campaign finance records obtained from the SF Ethics Commission.
Donations to Proposition Q
Oberndorf, a Mill Valley-based investor, spent more than $1.5 million this election cycle in support of Jeb Bush’s race to win the Republican nomination for president.
Moritz, a venture capitalist, drew public attention for his support for and $250,000 donation supporting a 2010 measure that sought to increase city employees’ payments into their generous pension funds……………..
On a single night in January 2015, 564,708 people were experiencing homelessness — meaning they were sleeping outside or in an emergency shelter or transitional housing program.
In total, 33 states and the District of Columbia (D.C.) reported decreases in overall homelessness, while 16 states reported increases. The states with decreases in homelessness were concentrated in the South and Midwest.
Despite a national decrease in unsheltered homelessness, only 18 states reported decreases in the number of people living in unsheltered locations, including the street, cars, and abandoned buildings. The national decrease in unsheltered homelessness was driven in large part by decreases in unsheltered homelessness in Florida, Texas, and Georgia.
The national rate of homelessness in 2015 fell to 17.7 homeless people per 10,000 people in the general population from 18.3 in 2014. The rates in individual states ranged from 111 in D.C. to 7 in Mississippi.
The rate of veteran homelessness continued its descent of the past several years to 24.8 homeless veterans per 10,000 veterans in the general population. The rates in individual states ranged from 145 in D.C. to 9 in Virginia.
The majority of states had decreases in every major subpopulation: family homelessness (33 states and D.C.), chronically homeless individuals (31 states and D.C.), and veteran homelessness (33 states).
The map in the link below shows the percent change in the total homeless population and various subpopulations by state from January 2014 to January 2015.
Feb 1, 2013 - And roughly half of Americans own some stocks through mutual funds and ... The higher Dow and the "wealth effect" will no doubt lead to greater ... But only about a third of all Americans hold more than $10,000 in stock, ...
Sep 10, 2013 - DOW JONES, A NEWS CORP COMPANY ..... Some 95% of 2009-2012 Income Gains Went to Wealthiest 1% ... –Last year, the richest 10% received more than half of all income — 50.5%, or the largest share ... /opinions/income-growth-has-been-negligible-but-surprise-inequality-has-narrowed-since-2007/.
(But it's important to note that for the rich, most of that income does not come from ... In the United States, wealth is highly concentrated in a relatively few hands. .... 2022) for the benefit of the heirs of the mere 0.6% of Americans whose death would ..... and that CEOs at the Dow-Jones companies make 550 times as much.
Sep 19, 2013 - The market is at an all time high, but stock ownership is wildly unequal. ... More than 35% of all Americans own at least some stock, including that in ... As of 2010, the richest 5% of U.S. households owned about two-thirds of all ... rosiest of circumstances, directly benefit less than half of the U.S. population.
Earlier this week, residents of the United Kingdom voted via referendum to leave to the European Union (EU). This decision (also called "Brexit") will loosen the United Kingdom's economic and political partnership with theother 27 nations of the EU. For most Alabamians and most Americans, this decision really doesn't matter very much. However, there are many Millennials and Gen-Xers at water coolers today who believe World War III is just around the corner.
Along with this World War III fear, these same Millennials, Gen-Xers, and even some Baby Boomers are terrified that they are going to lose their 401K nest eggs.
There's only one small problem with that fear though—one actually has to participate in 401Ks to be hurt by 401Ks.
Baby boomers dealing with debt can find financial help
Susan Tompor, Detroit Free Press Personal Finance Columnist11:43 p.m. EDT May 22, 2016
Asking for a senior discount at the gym or the movies may be a nice perk for older consumers, but many struggling retirees oddly enough are leaving thousands of dollars in perks and benefits untouched. It's saved money that could create some economic stability in their lives.
Imagine this: More than $20 billion of available benefits are left on the table each year, according to consumer advocates. More than 4 million lower-income older adults could increase their annual budget by as much as 29% if they simply tapped into some benefits programs, according to the National Council on Aging and the National Association of Area Agencies on Aging.
A new You Gave -- Now Save guide is designed to help low-income older adults spot more information about prescription drug programs, the Senior Farmers' Market Nutrition Program, Medicaid and low-income energy assistance programs to fill financial gaps. The guide is online and at various Area Agency on Aging offices. Go to www.ncoa.org or www.n4a.org.
May is officially Older Americans Month and is a good time to discuss some challenges many seniors face when it comes to paying their bills. We like to think of retirement years as a relaxing time to take that special cruise or knock dreams off our bucket lists, but too many seniors need far more help with their finances.
Susan Tompor
