DAT382 Troubleshooting Deadlocks in SQL Server 2000 Ron Talmage Prôspice, L.L.C. [email protected].
Making The Case Talmage
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Transcript of Making The Case Talmage
1 SocialCompact| www.socialcompact.org
September 2009
2009 FLORIDA HOUSING COALITION22nd Annual Affordable Housing Conference
Making the Case for Investment in Low Income Neighborhoods
2 SocialCompact| www.socialcompact.org
A tale of two cities …
Neighborhood A
Source: U.S. Census Bureau, 2000, Source: Social Compact Miami DrillDown 2008/2009
MARKET SIZE MARKET SIZE
Population: 367,426 Population: 504,226
Households: 137,577 Households: 179,471
MARKET BUYING POWER MARKET BUYING POWER
Median Household Income: $27,344 Median Household Income: $31,990
Average Household Income: $39,308 Average Household Income: $50,637
Aggregate Income: $5.4 Billion Aggregate Income: $9.1 Billion
Income per Acre: $386,074
Aggregate Informal Economy: (9.3%)
Income of New Home Buyers: $114,972
3 SocialCompact| www.socialcompact.org
20 cities completed
350 Underserved Neighborhoods
1.2 Million Additional Residents
$36 Billion Additional Buying Power
* 50 cities have approached Social Compact for DrillDown analyses
DrillDowns CompletedSocial Compact’s Capacity
4 SocialCompact| www.socialcompact.org
What do we do with better data?
5 SocialCompact| www.socialcompact.org
Census Challenge
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Over 170 federal programs allocate $300 billion annually using census estimate data
For every person not captured in census estimates, the city loses $2,263 of state and federal funding
80% of retail investment deals use data derived from the census to determine where and when to invest
Inaccurate census estimates greatly contribute to the perception of the city
Census Challenge ProgramWhy Are Census Estimates Important?
7 SocialCompact| www.socialcompact.org
Detroit, MI, (+47,000)
New Orleans, LA, (+50,000)
San Francisco, CA (+34,000)
Toledo, OH (+21,000)
Miami, FL (+15,000)
Together, Social Compact’s census challenges will result in an additional $420 million state and federal funding to the cities.
Census Challenge ProgramSocial Compact Successes
8 SocialCompact| www.socialcompact.org
Food Security
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Distribution of grocery providers overlaid with grocery store sales demand.
2007 Houston DrillDown FindingsGrocery Provider Distribution
10 SocialCompact| www.socialcompact.org
2007 Houston DrillDown FindingsGrocery Customer Attraction
11 SocialCompact| www.socialcompact.org
Food Desert to Food OasisProviding East Access to Information: The Finder
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Small BusinessDevelopment
13 SocialCompact| www.socialcompact.org
Using a large number of public and private business data providers including INFO USA, NETS, and ESRI, Social Compact is creating detailed business environment profiles citywide and for tailored geographies (i.e. neighborhoods, business districts, main streets).
The profiles contain an analysis of business health and performance, taking into consideration the following business characteristics:
Size SMBE – Small, Minority Owned Business Enterprise Age SWBE – Small, Women Owned Business Enterprises Industry Local vs. National Relocation Performance
Additional information includes:
Detailed information is provided through a series of business profiles and descriptive maps and charts.
Small BusinessBusiness Environment Assessments
Businesses headquartered in the city Average rental price by location
Top performing industries Top most prevalent industries
14 SocialCompact| www.socialcompact.org
Small BusinessBusiness Environment Assessments
Social Compact is currently working with WDCEP and DC government on a scan of the District’s business environment, informing:
Business Development Strategies Enterprise Zone location/impact Attraction and retention strategies Buy Local campaigns
Industry Change Analysis Job growth/loss Business Openings/Closings/Relocation
Automated process for tracking change
NEXT STEPS: Expand this model to evaluate partnerships with federal agencies
and other CDFIs to explore small business development models World Bank: Johannesburg, Bogota, Buenos Aires, Manila, Recife, Hanoi
15 SocialCompact| www.socialcompact.org
Establish areas with high business density for an industry.
Determine the overall demographic and market characteristics of these areas
Search for areas with similar demographic and market characteristics that do not have businesses belonging to the industry in question (potential profitable sites).
Overlay the information on possible profitable sites with land codes and other relevant site information (i.e. nearby developments, vacant properties).
This pilot analysis was possible thanks to ACCION USA’s loan data.
Uncover possible profitable sites per industry
16 SocialCompact| www.socialcompact.org
Trade areas’ properties and store performanceUncover trade area characteristics that are likelyto determine store performance by industry
Determine which are the stores that are performing the best per industry (i.e. barber shops, mini markets, restaurants, etc.)
Determine if there are any common demographic and market properties in the stores’ trade areas
Establish, per industry, trade area demographic and market properties (indicators) that are likely to support high performance stores.
This pilot analysis was possible thanks to ACCION USA’s loan data.
17 SocialCompact| www.socialcompact.org
Financial Services
18 SocialCompact| www.socialcompact.org
Surveys of unbanked populations and consumer expenditure patterns (Los Angeles, Miami)
Financial services finder (National): Financial advice/counselors, CDCs, NHSA
Center for Financial Empowerment (New York City)
• Financial behavior analysis: household’s financial practices, products usage and access to services.
• Program will leverage consumer credit bureau data as well as rich data from organized local initiatives in selected cities
Financial Diaries (Louisville)
Financial Services
19 SocialCompact| www.socialcompact.org
Financial Behavior Analysis (New York City) Address level variables Presence of traditional and non traditional financial institutions Block group level variables Underbanked proxy: range from 1 (unbanked) to 20 (most likely
banked) Discretionary spending index: range from 0 to 100 (households
rates as top spenders) Credit card usage and number of credit lines Revolving bankcard balances Bank card households and bank card holders Collateral risk score Tract level variables Home loan approvals Average income and ethnicity of new homebuyers
Financial Services
20 SocialCompact| www.socialcompact.org
Financial Services Provision2007 Miami DrillDown Findings
0.0%
10.0%
20.0%
30.0%
40.0%
50.0%
60.0%
70.0%
80.0%
90.0%
100.0%
Liberty City Little Haiti Overtown Wynwood
Cash 83.5% 76.6% 79.9% 87.0%
Pay Day Loans 16.6% 42.9% 9.8% 10.8%
Credit Cards 27.0% 56.2% 20.9% 37.3%
Check cashing facilities 46.3% 63.2% 16.7% 29.9%
Personal Checks 26.8% 50.0% 29.8% 43.9%
Bill Payment Methods
Survey Results: Consumer Purchasing PatternsBill Payment Methods
21 SocialCompact| www.socialcompact.org
0.0%
10.0%
20.0%
30.0%
40.0%
50.0%
60.0%
70.0%
80.0%
PERSONAL LOANS
MONEY TRANSFERS
HEALTH INSURANCE
BUSINESS INSURANCE
CHECKING ACCOUNT
SMALL BUSINESS LOAN S
PREPAID CARDS
White 15.7% 9.8% 49.0% 21.6% 53.0% 16.0% 7.9%
African American 32.3% 11.9% 69.6% 34.3% 53.5% 27.7% 10.0%
Asian 31.3% 43.8% 56.3% 50.0% 75.0% 62.5% 0.0%
Hispanic/Latino (non indigenous) 24.5% 39.2% 49.5% 18.9% 38.3% 22.8% 13.2%
Hispanic/Latino (indigenous) 18.8% 43.6% 44.1% 17.3% 36.3% 15.0% 20.0%
Other 35.7% 21.4% 57.1% 21.4% 50.0% 14.3% 21.4%
Individual’s Interest in Financial ProductsLos Angeles: Financial Behavior Study
22 SocialCompact| www.socialcompact.org
Capturing Urban Market PotentialNew Tools: Risk Mitigation Profiles
23 SocialCompact| www.socialcompact.org
Capturing Urban Market PotentialNew Tools: Risk Mitigation Profiles
24 SocialCompact| www.socialcompact.org
Homeownership
25 SocialCompact| www.socialcompact.org
Number of foreclosures (2005-2008) by month/quarter/ year/cumulative Number of notices (2005-2008) by month/quarter/
year/cumulative Number of market rate, arms-length transactions (2005-
2008) by month/quarter/year/cumulative Average/Median foreclosure sale price (2005-2008) by
month/quarter/year/cumulative Average/Median market sale price (2005-2008) by
month/quarter/year/cumulative Average/Median current assessed value (2008) Number of ARM resets forthcoming over next 36 months
(as of June 2008) Number of properties with tax liens (as of June 2008) Average/Median value of tax liens outstanding (as of June
2008) Top 10 institutions holding REOs (2005-2008) by
month/quarter/year/cumulative Address-level Property Sale Prices and Dates (as of 1995) Automated Value Models (non-distressed and distressed) Number of new loans originated by year (2003-2008; by
census tract) Number of high cost loans originated by year (2003-2008;
by census tract) Number of high cost refinances originated by year (2003-
2008; by census tract) Number of loans originated intended for primary
occupancy by year (2003-2008; by census tract)
Number of loans originated not intended for primary occupancy by year (2003-2008; by census tract) Average/Aggregate loan value by year (2003-2008; by
census tract) Top 10 high cost loan originators by year (2003-2008; by
census tract) Top 10 high cost loan purchasers by year (2003-2008; by
census tract) Average income of new home buyers by year (2003-2008;
by census tract) Ethnicity of new home buyers by year (2003-2008; by
census tract) Total population (2008; by block group) Population density (2008; by block group) Number of households (2008; by block group) Average/Median/Aggregate household income (2008; by
block group) Income density (2008; by block group) Number of owner-occupied units (2008; by block group) Number of renter-occupied units (2008; by block group)) New construction permits (2008; by block group) Additions/Alterations/Repairs permits (2008; by block group) Banks per capita (Banks per 10,000 people) (2008; by block
group) Nontraditional Financial Institutions per capita (Pay Day
Loans/Pawn Shops, etc per 10,000 people) (2008; by block group) Owner Occupied Buildings (2008; by block group)
Foreclosure Tool Indicators
26 SocialCompact| www.socialcompact.org
Property Characteristics (Detailed Characteristics, eg. 1-car Garage, 2-Car Garage, # of Bedrooms, Age, Masonry, Central Air, Fire Place, two Story, Attic Finished, Basement Finished, etc). Short Sales/Distressed Sales Loan Performance (by zipcode) Debt Information on Loan Characteristics Loan-to-Value Current FICO scores Employment Data: Population employed/Population unemployed (granularity
of the data not clear yet)Migration Data (this data tracks where residents have moved to/from we only
have data on Detroit residents so it covers to/from movement of residents of Detroit but not of persons migrating to Detroit – say from Chicago). A. Where Detroiters have moved within Detroit, tri-county, MI, out of state B. Resident “Churn” within Detroit (moved to/from) C. Ethnicity of this population D. Income of this population
Additional indicators
27 SocialCompact| www.socialcompact.org
CityDNAComplete intellectual capacity of datasets
28 SocialCompact| www.socialcompact.org
CityDNATrend analysis: temporal aspects of datasets
29 SocialCompact| www.socialcompact.org
CityDNANext-generation reporting
30 SocialCompact| www.socialcompact.org
CityDNAInteractive comparisons - Variables
31 SocialCompact| www.socialcompact.org
CityDNAInteractive comparisons – geographic areas
32 SocialCompact| www.socialcompact.org
CityDNAInteractive comparisons – address specific
33 SocialCompact| www.socialcompact.org
CityDNAInteractive comparisons – by industry
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CityDNAInteractive comparisons – reporting
35 SocialCompact| www.socialcompact.org
John Talmage, President and CEOSocial Compact
738 7th St., SE, Washington, DC [email protected]
Making the Case for Investment in Low Income Neighborhoods
September 2009
2009 FLORIDA HOUSING COALITION22nd Annual Affordable Housing Conference