second, saving provides individual households with opportunities. so funds accumulated through saving can be used to pay for college tuition and to purchase big ticket items such as cars. saving puts households who wish to establish businesses in a better place to do so. in the wake of the financial crisis, saving is now even more important to obtaining homeownership than it has been in the past. 2014 federal reserve survey provides evidence on the importance of saving in this context of the 87% of young adults. 59% cited a lack of a down payment as a factor holding them back. so third, this brings me to the themes that you have been discussing all morning, saving is important for individual households because it allows them to enjoy a better standard of living and retirement. although most people will receive social security benefits when older and some will receive regular payouts from pensions, these sources of income are often not sufficient to make up for the step down in earnings that people experience at retirement. as a result, many older ho

even before the financial crisis, household income was trending up, increasing household exposures to declines in their incomes. and then the high rates of job loss and under employment experience result of the great recession served as a painful reminder of the need for these precautionary reserves. second, saving provides individual households with opportunities. so funds accumulated through saving can be used to pay for college tuition and to purchase big-ticket items such as cars. saving puts households who wish to establish businesses in a better position to do so. and given the tightening of credit in the wake of the financial crisis, saving is now even more important to obtaining homeownership than it has been in the past. a 2014 federal reserve survey provides evidence on the importance of saving in this context of the 87% of young adults who were renting but would like to own if they could afford it, 59% cited a lack of a down payment as a factor holding so third, this brings me to the themes that you have been discussing all morning, saving is important for individual househ

the geography will including exclude that erase the totals of households not covered those numbers are based on affordable housing programs estimates to be completed by 2020 so the results of the analysis is the supervisorial geography perform better and evenly distributed number of households and the lease he various in the ethnicity and race and supports of actually neighborhood participation and exclude households from the preference. >> further in support of our recommendation for the supervisorial district like the geography their codified in the city charter and developed there a community process and created with a think explicit set of criteria including the voting rights as racial and language and preservation of the neighborhoods and preservation of communitiess of interest. >> next i'll turn to the desperate impact analysis in have a seat the neighborhoods apprehensive program the mayor's office of housing and community development created a model neighborhood preference program using households data and race and ethnicity and by desperate impact whether or not the policy wi

[rooster crowing] [cows mooing] >> [speaking wolof] >> deya's household, one of 4 in the village, includes deya's two wives, each of deya's two brothers' two wives, 15 children, 77 cows, and dozens of sheep, goats, and chickens. [rooster crows] today, the family is preparing for the biggest holiday of the year--tabaski, the islamic feast of the sacrifice. >> [speaking wolof] >> to see how big tabaski is in senegal, you have to go to the capital, dakar. at tabaski, it's a religious, and social, expectation for muslim households to buy and slaughter a ram. >> [speaking wolof] >> in senegal, where a day's wages, if you have work, are around $3, this is a big deal. and for deya in saare muudu, where paid work is scarce, the tabaski ram and other holiday foods are major purchases. >> [speaking wolof] [child speaking in background] [laughs] >> [speaking wolof] >> the household relies on money from deya's two brothers, maliki and alahji, who are working in spain. [electric saw runs] alahji, kanni's husband, was the first of deya's brothers to leave. >> [speaking wolof] >> [speaking wolof] [laughs

second, saving provides individual households with opportunities.so funds accumulated through saving can can be used to pay for college tuition and to purchase big ticket items such as cars. saving puts households who wish to establish businesses in a better position to do so. and given the tightening of credit standards in the wake of the on financial crisis, saving is now even more important to achieving home ownership than it has been in the past. a 2014 federal reserve board survey provides evidence on the importance of saving in this context. of the 87% of young datas who were renting but said they would prefer to own if they could afford it, 54% cited lack of down payment as a factor of holding them back. so third, and this brings me to the themes that you have been discussing all morning, saving is important for individual households because it allows them to enjoy a better standard of living in retirement. although most people will receive social security benefits when older, and some will receive regular payouts from defined benefit pension

wealthiest households. wealthiest households. so cbo and jct again have estimated about two-thirds go to the top quintile, two-thirds of the value of these incentives whereas 7% go to the bottom 40%. and if you look at just the top 1%, they get 50% more of the benefits than the whole middle quintile. >> wow. >> so one way and probably the main way to address this unfairness issue would be to shift more towards refundable tax credits. >> yes. >> and you could completely replace the current system of deferral and deductions and taxing the money when it comes out -- often many years later -- or taxing the money when it goes in and then not taxing the earnings at all. bill has proposed totally replacing the current system. you could also shift more in this direction by cutting back on the tax incentives for the wealthy, whether that's through reducing the contribution limits, something like the president's proposal to limit the value of lots of defunctions and exclusions including those for retirement savings t

there additional households.there'll be about 5 million additional non-hispanic white households, and i reprieved to the study. i will keep going down the list if you wish. this is our headline number, we are we are getting 1.6 million households a year. you already show the speech frank study and in addition to the demographics themselves and the societal trends that many people have been talking about, the economy is improving. we have have gone from 10% unemployment 2009 to 5% as of october of this year. i think we can't discount just how hard the economic recession hit young people in particular. so not only our young people staying in school longer, choosing to get married later, having later, having children later, the economic recession doubles down on that trend and particularly impacted them. when you look at house of information right you see the greatest impact. one of the greatest things that we have been trying to do is unbundle that so we get a more picture of what might happen going forward. anythi

household goods helps 8,000 the basic things they need to outfit 2500 apartments. today with generous donations, they are still turning houses into homes. they have it all, furniture, dishes, beds, even pictures to hang on the wall. all in a 10,000 square foot show room in acton. donations are coming in, and volunteers give thousands of hours of their time to clean and organize the items. >> they give us household goods that they don't need which are perfectly good. >> reporter: in 1990, they asked for donations to help a family from el salvador who had nothing to outfit an apartment. >> people responded extremely generously, and we could have furnished three or more apartments. >> 25 years later, people have 140 towns come here to get the things they need to make a home. >> a lot of them are veterans, refugees. a lot of it is the homeless people. >> they have one thing in common. >> need and not the means to meet the need. >> reporter: after living in a shelter for a year, chuck farrel found this revere apartment. >> the place was empty. >> not for long because we

you can give household items. just make sure that you have all the receipts and all the documentation for what you give so that you can write that off on your taxes. make sure that you follow all of the deadlines and such that you need to that december 31st is key. and the same applies for appreciated assets. if you want to donate appreciated asset, that's a great way to get a break on your income taxes and also not have to pay capital gains tax. >> sharon, thank you so much. >>> up next, a look at the news for the week ahead. >>> and the best-selling queen of suspense, mary higgins clark, on the unusual way she writes each new thriller. >> i don't know the final scene when i start the first. >>> for more on our show and on our guests, can you go to our website. by the way, you can also follow us on twitter @onthemoney. >>> here are the stories coming taup may impact your money this week. monday is cyber monday. that is one of the biggest online shopping days of the year. on tuesday, we get november auto sales. al

but certainly older households would be contributing there. we don't want to be pushing people into the labor force who don't want to be in the labor force. but certainly part of our agenda to create more -- creates a workplace that is better suited to work/life balance includes encouraging employers to take steps that would give older workers kind of the flexibility that they need to be able to be in the workforce if they want to do so. >> one more question. the last question in the very back. >> hi. i'm diane from the national institute of retirement security. i was just on the last panel. the question about miras. one of the things that some people have been talking about, the states moving ahead with auto iras at the state level have heard some criticism that while you don't need auto iras anywhere because you have iras, can you share any thoughts or comments that would be a good way to respond to those? >> oh, yeah. thank you for asking that question. mira is meant to be a starter savings account. in fact, contributions are limited to i t

we'll exclude in the neighborhood preference the smaller the geography generally, the more households i'll exclude we're not building affordable housing in the pipeline evenly throughout the city trying to pick geographies that balance the aspects as well as excluding those from that preference. >> additionally looking at the second criteria there is a valuation. >> can i ask a sclaifr question. >> of course course. >> for example, when i did any noise legislation we measured workplace a polar area where we on the sound appetite impact for example, where a project could be and look at the radio feet around that project and expand it in a sufficient way that cough allowed for just mostly immediate surrounding must not u communities more neighborhood like and the buffer that was part of recommendation addresses that particular issue the boundaries are always an area of concern after city policies and programs some are on, on side are another by allowing a half buffer you include parts finding neighborhood in the supervisorial districts since they were drawn as far as just having a half

i assumed that every puerto rican household was as chaotic as my household. i wanted to get away from it. i didn't, at that point, see the good parts of my growing up and the wonderful, wondrous parts of being latina. i mean the wondrous comes in when you're a little kid and everything looks really groovy when the third avenue el is running right outside your apartment every 20 minutes. so i did shun away from the whole culture. >> you talk a lot about the home where you grew up. and it sounds like a tough place to be a young girl. >> yes. it was. my father drank a lot and he was a violent drunk and he battered my mother. and we would run away from him and then we'd run back to him when my mother couldn't make ends meet. or i had-- actually, i-- but also i think she loved him. so it was a cycle of domestic violence and hope. domestic violence and hope. domestic violence and hope. that was never changing. >> hope that continues to be dashed. was there a frustration that she would go back? >> oh sure. she would constantly find ways of going back. finally it, i

than with our network and to get arno the households with those households it is a household the recall the rodriguez but not really. with that subsidize middle-class housing. with other potential sources of instability that is a real consistency for her. >> but also with the household in california that bought a home but they also have volatility because of the influx. so looking at the financial well-being of their adult children and. so those home equity lines of credit but the value of her home is the rodriguez sees as her source of security. in both cases thinking how the current housing will enable them to have a secure retirement. they think about if they need to downsize and approve as a way to bolster their retirement and it is knowing that she to pay the rent for a long time and contributing towards the rent. so i think about the tension between housing and financial help is symbiotic. it isn't that housing drives people necessarily to the that the financial health but it is hard to imagine a path that does not include a significant amount of housing. >> and to have a few case

and about 95% of households give something. so it can add up. >> this is the time of year when people tend to position about this, not only because it's an important time at the holiday, you start thinking abobo people who don't have as much and you want to give back, but it's also the end of the tax year, too. >> so you are thinking about making a generous contribution, but also think about the generous tax break that you may be able to get. so youeed to make sure thaha you makekehat donation by december 3131 and you can give a cash contribution, you can give household items. just make sure that you have all the receipts and all the documentation for what you give so that you can write that off on your taxes. make sure that you follow all of those deadlines that you need to. that3december 31 is key. and if you want it on donate appreciated sets, that's a great way to get a break on your income taxes and not have to pay >> sharp,on, thank you so ch. p next, a look at the news and the queen of suspension, mary higgins clark on t

versus new household formation.y and multifamily together are running well, well below household creation. joe: just based on demographics and the creation of new households, we got to build a lot more. laurie: we got to build a lot more homes. a new household needs a home. it doesn't matter if it is a mentor home or owner-occupied home. our projection is that the homeownership rate continues to fall, based into the demographics. joe: why? laurie: well, first, you have got a population that is increasingly minority, 77% of new households between 2010 and 2020 are going to be minority. 88% between 2020 and 2030. the great recession obviously lowered homeownership rates. starting from the lower base. you have the fact that credit is extremely tight. real wages have been absolutely flat and declining in the critical 25-34-year-old age group. student loan debt for those who have not finished college. and finally, the fact that there has been a very, very subtle change in attitudes towards homeownership. for my generatio

the geography will including exclude that erase the totals of households not covered those numbers are based on affordable housing programs estimates to be completed by 2020 so the results of the analysis is the supervisorial geography perform better and evenly distributed number of households and the lease he various in the ethnicity and race and supports of actually neighborhood participation and exclude households from the preference. >> further in support of our recommendation for the supervisorial district like the geography their codified in the city charter and developed there a community process and created with a think explicit set of criteria including the voting rights as racial and language and preservation of the neighborhoods and preservation of communitiess of interest. >> next i'll turn to the desperate impact analysis in have a seat the neighborhoods apprehensive program the mayor's office of housing and community development created a model neighborhood preference program using households data and race and ethnicity and by desperate impact whether or not the policy wi

and, in many cases, families have made great strides in leveling out work around the household. the survey found that about 50% of mothers believe they do more work. yet, 56% of fathers believe household chorings are shared equally. >> well, netflix believes a new series of videos can help parents win that old time debate, oh, please, let me watch the next show. >> soon, you can pick up some vinyl with those veggies. it already has them in stock in a number of stores in l.a. remember, records is the only store that will sell l.p.s. >> if you think your current iphone screen is just too big for your taste, you may have a chance to get a smaller one next year. apple reports a new four-inch screen. it would be similar to apple's last 4 inch phone, the 5s. >>> and [announcer] during mattress price wars at sleep train, save up to $400 on beautyrest and posturepedic. get interest-free financing until 2018 on tempur-pedic. plus, helpful advice from the sleep experts. but mattress price wars is ending soon. >>> coming up at 6:00, tonight, they're talking exclusively with abc 7 news. why

>> trevor: that is insane. 158 households are donating half of all campaign money in america! i wish i had known this before halloween, yeah, because i bet those houses gave out some serious candy -- like full-size snicker bars and, you know, they're like, here, kid, take as much as you want! as much as you want! as much as i want? yeah, for real, take it, kid. i'm firing your dad tomorrow, anyway. (laughter) the fact is, there is so much money in politics right now you can't run for president unless you have a billionaire sponsoring you. >> paul singer is casting his lot with rubio. >> t. bone pickens is giving money to ben carson. >> ferris and dan wilks pumping $15 million to republican ted cruz's super pac. >> that's how they gave, in piles of catch. candidates almost pretentious artworks, like, yes, i picked up this cruis cruz at auction, it't beard but i have eccentric taste. most of the money is in the form of super pacs. they've gotten so powerful at this point they're showing off. >> the republican donor is now formally backing marco rubio with a new super pac named b

that varies by individual household of course. but you're seeing consumers buying cars, you're seeing consumers do a major home improvement. you're seeing consumers go to restaurants, go he out to dinner. you're seeing certain categories doing quite well.he out to dinner. you're seeing certain categories doing quite well and their savings accounts generally speaking are higher than they were a year ago, but in this general consumers have the money to spend if they choose to do so. last night through right now, through today, is an indication that they seem to be ready to spend in our category and particularly at our company. >> obviously the macy's thanksgiving day parade was a huge success. this is something that has been a tradition in my house hold and i know in america at large for the last 89 years. but we did see heightened security concerns as we headed into this parade. was there ever a moment that you thought about canceling the parade? >> i've been asked that question a few times. i was asked that question after 9/11, af

: 251,899 renters: 36% households paying more than 30% of income on housing: 14,295 homeless people:1784 home foreclosure rate: 0.89% justice system number of youth residing in juvenile justice and correctional facilities: 222 total incarcerated : 5,081participation in federal programs adults and children receiving welfare : 9,872children receiving food stamps : 39,000eitc recipients: 50,000 households receiving federal rental assistance: 7,952 families receiving child care subsidies: 2,700 participants in all head start programs: 4,194 number of children enrolled in medicaid and chip: 98,425 number of women and children receiving wic : 23,253households receiving liheap : 19,000 stick around.. governor terry branstad jumped on board a lawsuit.. david geiger has more on that geiger. iowa governor terry branstad is now a part of a lawsuit against the environmental protection agency's controversial waters of the u.s. rule. in a release yesterday.. branstad announced he was joining the u.s. district court of north dakota in support of 13 other states.. nationally.. governors or attorney's ge

they can do to turn the situations around. >> are the charter schools popular african-american households? spinnaker was a former member on the board several years ago and the children i met and interacted with new where they came from in the public school where there was no control can the kids were not accountable, you put them in an environment where it's the learning environment and where they feel like they are being looked after and they had an opportunity and there is hope for them that is huge especially in harlem and in new york there is a member of charter schools that are available and the parents have come out in jones to demand more opportunities for their children because they know the dynamics from the public's founding children to the opportunities that are limited in charter schools because their were not enough seats and the parents are preaching the thunder child is called they can have a hopeful future and get a quality education. it's a shame how that isn't something that is front and center for people to understand and recognize the importance of the quality educatio

for hispanic household and households with the person people with disabilities that is over 45 percentfrican-american household that is over 50 percent >> so this is really a substantial issue that impacts millions of families across the united states and working off the finding of the survey we at the fdic try to think about how to come up with a response that will begin to make an impact on the issue and the finding of that survey were revealing you know the survey asked the question why don't people why not you have an account with an insured financial institution and the response were not surprisingly but enlighten they said we don't have enough money to have an account but the costs of maintaining an account the minimum balance and the fees that go with the account so in response to those finding utilizing an are advisory committee on which jose cisneros is a member we developed what we call a model safe account template a set of features we thought taken together would provide a meaningful account relationship with an insured financial institution with low minimum balance and low

the geography will including exclude that erase the totals of households not covered those numbers areased on affordable housing programs estimates to be completed by 2020 so the results of the analysis is the supervisorial geography perform better and evenly distributed number of households and the lease he various in the ethnicity and race and supports of actually neighborhood participation and exclude households from the preference. >> further in support of our recommendation for the supervisorial district like the geography their codified in the city charter and developed there a community process and created with a think explicit set of criteria including the voting rights as racial and language and preservation of the neighborhoods and preservation of communitiess of interest. >> next i'll turn to the desperate impact analysis in have a seat the neighborhoods apprehensive program the mayor's office of housing and community development created a model neighborhood preference program using households data and race and ethnicity and by desperate impact whether or not the policy will

that would be my goal to be a household name." a name popular in her own household...as she grows her business along with her family. in des moines, megan reuther, channel 13 news. the food sells for between 3-50 and 4- dollars a package. we've put a link to the website at who- tv-dot-com...if you'd like to check it out...or find out where it's the son of a polish immigrant who grew up in a brooklyn tenement. he went to public schools, then college, where the work of his life began -- fighting injustice and inequality, speaking truth to power. he moved to vermont, won election and praise as one of america's best mayors. in congress, he stood up for working families and for principle, opposing the iraq war, supporting veterans. now he's taking on wall street and a corrupt political system funded by over a million contributions, tackling climate change to create clean-energy jobs, fighting for living wages, equal pay, and tuition-free public colleges. people are sick and tired of establishment politics, and they want real change! [

safety net means that households have to do a lot of self-insurance for their old age.p of that, you have higher official savings. of course, that has been skewed toward u.s. treasuries. that is less of a factor now than it was back in the early part of this millennium. but certainly, the accumulation of official reserves in u.s. treasuries has helped to drive real rates of interest down relative to the return of capital. that is another factor we point out in the report. there is not a single factor driving safe real rates down. there's a number of things coming together, which include demographics, includes ships in in preference toward , laterally being added to by central banks, the bank of england where i used to as part of their easing, commercial banks increasing holdings, the relatively liquid assets. those portfolio shifts have been important in the post crisis period. scarlet: should china set up a 401(k) system of its own? charles: i certainly think there is a case for some development arrangements. there is a long way to go in developing appropriate househol

the geography will including exclude that erase the totals of households not covered those numbers areased on affordable housing programs estimates to be completed by 2020 so the results of the analysis is the supervisorial geography perform better and evenly distributed number of households and the lease he various in the ethnicity and race and supports of actually neighborhood participation and exclude households from the preference. >> further in support of our recommendation for the supervisorial district like the geography their codified in the city charter and developed there a community process and created with a think explicit set of criteria including the voting rights as racial and language and preservation of the neighborhoods and preservation of communitiess of interest. >> next i'll turn to the desperate impact analysis in have a seat the neighborhoods apprehensive program the mayor's office of housing and community development created a model neighborhood preference program using households data and race and ethnicity and by desperate impact whether or not the policy will

you do not have to be a "modern dad" who's doing 50% of the household. it's whatever suits you, your priorities, your spouse's priorities, and what suits your family. so, if you want to go for that corner office, go for that corner office, but just be clear about what you're getting into and you understand the choices that you're making. and if you want to have more of a shared-care approach with your children and your spouse, well, then that's another set of choices, but at least we're making intentional choices, which is really the key to leading what's a successful balanced life. >> and what kind of conversation do you have with the children so that they understand that they're still number one, if you will, that they're still a very important part of a life or the most important part of a life and not second fiddle to the career? >> sure. well, i think the real important thing is to manage our time both at work and then outside of work, and make sure that we set aside chunks of dedicated family time where more spontaneous things can happen during tho

we'll exclude in the neighborhood preference the smaller the geography generally, the more households'll exclude we're not building affordable housing in the pipeline evenly throughout the city trying to pick geographies that balance the aspects as well as excluding those from that preference. >> additionally looking at the second criteria there is a valuation. >> can i ask a sclaifr question. >> of course course. >> for example, when i did any noise legislation we measured workplace a polar area where we on the sound appetite impact for example, where a project could be and look at the radio feet around that project and expand it in a sufficient way that cough allowed for just mostly immediate surrounding must not u communities more neighborhood like and the buffer that was part of recommendation addresses that particular issue the boundaries are always an area of concern after city policies and programs some are on, on side are another by allowing a half buffer you include parts finding neighborhood in the supervisorial districts since they were drawn as far as just having a half pi

that's brand-new household 40% of the u.s. household growth. by way of comparison, the u.s.ation overall has grown only 56%. so, it's an astounding difference between the two figures obviously. in the next slide, actually before i go on to the next slide i'll actually give you more recent tidbits that i received from alejandro, when you compare this year alone 2015 when we're talking about the third quarter hispanics achieved a net worth of 3 38,000 owner households accounting for 86% of total net growth in the marketplace. so, that's an astounding number 86%. when you compare from the third quarter of 2000 to now hispanics have accounted for about 55% of the net growth in owner households and by way of further comparison since the third quarter of 2000, nonhispanic whites have experienced a net loss of 400,000 owner households while hispanics have gained 2.8 million owner households so i think those are pretty startling numbers, those are pretty impressive stats to bear in mind. then i'm going to move on to really just our buying power in the hispanic community. in terms of

>> most candle fires because people put them too close to normal household items. reporter: they say keep loose clothing and hair away and never leave a candle unattended. jc: i love to put candles all over the house but i have started using the electric ones. phil: we are also following the travel nightmare out side. this is typically one of the worst travel days of the years in -- of the year in massachusetts. announcer: now on newscenter 5. phil: all it takes is one accident to cause hours of headaches. harvey: the timeline on the holiday warm-up and how mild it will get phil:. phil:the personal reason investigators think this man trapped in her bedroom, 18 hides in her bedroom. how her mother was able to help from miles away. announcer: from boston post news leader, this is wcvb newscenter 5 at 6:00. jc: a major mess that started just a few hours ago when this ox truck ran off of 128 north and landed on a car. phil: sky 5 is in the air and we are focused on 128 north hello route nine headed in a southerly direction. that backup is going on and during the cleanu

even in their own household. this first baseman/outfielder/ huge disappointment allen craig whose career is so turned around he might as well be craig allen. this is a guy with a career adding average over 300 before coming to boston and getting all of 12 hits in 32 games last year. mickey get a one-year deal. most of the moves were necessary because they were coming off the disabled list. the celtics are home against washington tonight and marcus martin will not play because of an injured tell. we have highlights tonight at 11:00. >> coming up tonight him a at 11:00 we will have more on the breaking news in new hampshire. the son of a polish immigrant who grew up he went to public schools, where the work of his life began -- fighting injustice and inequality, he moved to vermont, won election and praise as one of america's best mayors. in congress, he stood up for working families and for principle, opposing the iraq war, supporting veterans. now he's taking on wall street and a corrupt political system funded b

officials say spending by households spell by 2.4% from a year ago. october marks the second straight month of decline. households with two or more members spent an average of 282,000 yen. that's around $2,300. the ministry say the consumer price index last month was off 0.1% from the same month last year. down for the third month in a row s when prices of energy and all kinds of food were excluded, the gauge was up 0.7% year on year. the figure had been on the rise for 25 consecutive months. the index doesn't factor in fresh food because those prices tend to be volatile. >>> the jobless rate was down to its lowest level in over 20 years. the ministry officials say it was 3.1% down 0.3 from the previous month. japan's unemployment hasn't been that low since july of 1995. officials at the labor ministry say the ratio of job offers was up from september at 1.24. that means 124 job openings for every 100 job seekers. >>> the japanese prime minister says he wants the country where everyone can play an active role in society. to achieve that vision, shinzo

for hispanic household and households with the person people with disabilities that is over 45 percentfrican-american household that is over 50 percent >> so this is really a substantial issue that impacts millions of families across the united states and working off the finding of the survey we at the fdic try to think about how to come up with a response that will begin to make an impact on the issue and the finding of that survey were revealing you know the survey asked the question why don't people why not you have an account with an insured financial institution and the response were not surprisingly but enlighten they said we don't have enough money to have an account but the costs of maintaining an account the minimum balance and the fees that go with the account so in response to those finding utilizing an are advisory committee on which jose cisneros is a member we developed what we call a model safe account template a set of features we thought taken together would provide a meaningful account relationship with an insured financial institution with low minimum balance and low

students who receive special education services, and more than a third who come from low income households. teachers today have to make sure the lesson reaches a diverse audience and is relevant. 8:44:20 "how are we going to engage them? and connect to their life and if yoolearn this you can use it in 10 years, in 50 years... there's a reason for what we're doing." 8:44:33 and one gracious student said her real teacr have something in common. raissa jacobs7th grader, wilson middle school 8:42:00 she was kind of like you in the way that you were teaching today which is fun and entertaining style but you're still learn from it :11 kinnick stadium will quickly fill up... with snow. so before the fans file in to cheer on the hawks tomorrow... crews will have their cleanup work cutout for thh. meteorologist justin gehrts updates our temperatures coming up in your first alert justin weather update...eastern iowa expecting snow soon! another scene of rage and terror today, as extremists keep hundreds of urists hostagg at a hotel in mallwe'll have the updates. and a des moines woman is sharing her

the geography will including exclude that erase the totals of households not covered those numbers areased on affordable housing programs estimates to be completed by 2020 so the results of the analysis is the supervisorial geography perform better and evenly distributed number of households and the lease he various in the ethnicity and race and supports of actually neighborhood participation and exclude households from the preference. >> further in support of our recommendation for the supervisorial district like the geography their codified in the city charter and developed there a community process and created with a think explicit set of criteria including the voting rights as racial and language and preservation of the neighborhoods and preservation of communitiess of interest. >> next i'll turn to the desperate impact analysis in have a seat the neighborhoods apprehensive program the mayor's office of housing and community development created a model neighborhood preference program using households data and race and ethnicity and by desperate impact whether or not the policy will