Advancing Innovation, Economic Development, & Environmental Sustainability
Since 2008, over 10 million families have faced foreclosure in America, many unaware of their legal rights and financial options to have prevented foreclosure. The goals of the Neighborhood Investment Committee are to:
- Educate American Homeowners about the 8 options to prevent foreclosure,
- Share reference points to legal rights from the California Civil Code & US Civil Code, &
- Share 7 best practices regarding lender engagement and negotiations.
The US Federal Reserve Board's 2017 Report on Economic Well Being states that over 40% of Americans are unable to cover a $400 emergency without borrowing more money. The US Consumer Financial Protection Bureau's 2016 Report shows over 40% of Americans facing financial hardships including: being unable to pay for bill, running out of food, & being unable to afford housing or medical care. Financial hardship is an epidemic in America. Our mission is to empower American families by emphasizing the importance of financial literacy/education.
THE IMPACT CASE
The Global Population is expected to reach 9.7 billion people by 2050, requiring a 70% increase in food production to meet demands. (UN World Population Prospects)
95% of sprayed insecticides and herbicides reach destinations other than their intended target. Pesticide runoff commonly carries into aquatic and surface environments (Sustaining the Earth: An Integrated Approach)
There was a 38% reduction in capital reinvested by the 20 largest banks into the local community, despite an 8.6% increase in deposits. (State of Bank Reinvestment in NYC)
Increase of Fahrenheit (0.99) since the mid-20th century average, setting a record in surface temperature (NASA & NOAA DATA)
90% of water and fish samples from streams examined by the U.S. Geological Survey contained one or more pesticides. Levels of contamination in urban streams commonly surpass guidelines for protection of aquatic life. (U.S. Geological Survey)
The unemployment rate of young people is currently 14%, nearly three times more than the national unemployment rate of 5.7%. Millennials only have a 50% change of earning more money than their parents. (Office for National Statistics)
Deaths and chronic diseases due to pesticide poisoning; high risk groups including production workers, formulators, sprayers, mixers and farm workers (Environews Forum).
143 different pesticides have been found in ground water in over 43 states. In a survey of Indian drinking water, 58% of samples from wells and hand pumps around the city of Bhopal were contaminated with toxic chemicals. (National Institute of Health)
The 400 wealthiest Americans have more wealth than half of all Americans combined. The top 1% earns 81 times more than the bottom 50% of American adults. (Equality of Opportunity Project).