Vacant city lands for affordable housing

New York City’s scarcity of inexpensive land is often cited as an impediment to building more affordable housing, but the comptroller’s office has identified more than 1,000 city-owned vacant lots across the boroughs that have been sitting idle, most for more than 30 years.

In the bay area, there are city lands that are vacant that should be allocated for affordable housing to show our care to the middle class and low income families and millenials.

Our population, those working in the high tech and non-high tech can no longer afford the high cost of housing in the bay area.

In a rented house, about 7 working adults are cramped to share the cost of $6000 per month house rent.  How can our millenials and families afford housing in the bay area?

Please email your comment to to share and find solution to bay area’s high costs of housing.

If New York turns all its vacant lots for affordable housing, bay area cities should follow the same.

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Coming Collapse of the Middle Class with Elizabeth Warren

Coming Collapse of the Middle Class with Elizabeth Warren

Coming Collapse of the Middle Class with Elizabeth Warren





  • Elizabeth Warren BENEDICT GOMBOCZ
  • 2. Personal details Personal details  Born June 22, 1949 in Oklahoma City, Oklahoma  Member of the Democratic Party (since 1996; was a Republican until 1996)  Graduate of George Washington University, University of Houston (B.S.), Rutgers School of Law-Newark (J.D.)  Senior senator from Massachusetts (serving with Ed Markey) since January 3, 2013  Special Advisor for the Consumer Financial Protection Bureau, September 17, 2010-August 1, 2011  Chairperson of the Congressional Oversight Panel, November 25, 2008-November 15, 2010 Official Senate portrait, 113th Congress
  • 3. Synopsis Synopsis  Elizabeth Warren (D-Mass.) is a Senator from Massachusetts who was elected to the U.S. Senate in November 2012 at age 63.  Warren formerly worked as one of President Barack Obama’s assistants who was involved in designing the Consumer Financial Protection Bureau, among a number of other positions.  Born on June 22, 1949, Elizabeth Warren was the first in her family to graduate from college; she acquired her law degree from Rutgers University.  She was chosen to supervise the National Bankruptcy Review Commission (NBRC) after she had a job as a law professor at Harvard University.  She also presided over the Congressional Oversight Panel for the Troubled Asset Relief Program (TARP) in 2008.  Four years later, Warren was elected to the U.S. Senate over her opponent Scott Brown, the incumbent Republican.
  • 4. Early Life Early Life  Born Elizabeth Ann Herding in Oklahoma City, Oklahoma on June 22, 1949, Elizabeth Warren was the youngest of four children (and the only daughter) of Donald and Pauline Herring.  Warren spent much of her early years on what she referred to as “the ragged edge of the middle class.”  Her father worked mainly as a maintenance man; when he suffered a heart attack that resulted in expensive medical bills, Warren’s mother made extra money by working at Sears’ catalogue-order department.
  • At the age of thirteen, Warren began helping by working as a table waitress at her aunt’s Mexican restaurant.  Yet money was still tight, in spite of attempts to eliminate the family’s financial stress; because there were few finances, Warren recalled her mother’s reluctance to take her to the doctor. Skyline of Oklahoma City from I-35
  • 5. Early Life – cont. Early Life – cont.  An intelligent student, Warren became a state debate victor and graduated from high school when she was only sixteen; she entered George Washington University on a full debate scholarship the same year.
  • Warren left the university after only two years there to marry her high school sweetheart, NASA mathematician Jim Warren; the couple moved to Texas, where Elizabeth completed her degree in speech pathology at the University of Houston, which made her the first member of her immediate family to finish college.  The couple moved to New Jersey, where Elizabeth worked in public schools and assisted children with disabilities; during that time, the couple gave birth to two children: a daughter, Amelia, and a son, Alex.
  • On the day that Amelia turned two, Warren started graduate school for law at Rutgers University; she obtained her J.D. in 1976, and practiced law in her living room. George Washington University
  • 6. University of Houston Rutgers University
  • 7. Elizabeth Warren as a student at the University of Houston in 1970, age 21
  • 8. Political Career  By 1978, she and Jim had divorced.  In the year after the annulment, Warren began to observe the challenges that the American middle class was dealing with; she specifically studied a 1978 law passed by Congress that made it easier for corporations and individuals to declare bankruptcy.  Warren decided to analyze the reasons that Americans found themselves in bankruptcy courts, and concluded that the majority of the financial victims belonged to middle-class families who lost their jobs, dealt with financial suffering from a divorce, or suffered diseases that destroyed their savings.  From there, she turned her attention to research on bankruptcy and commercial law, more specifically on how it affected financially distraught corporations and women, senior citizens, and the working poor.
  • 9. Political career – cont. Political career – cont.  In 1980, Warren married Harvard law professor Bruce Mann; she kept her last name from her first marriage.  Warren and Mann traveled around the United States together, with Warren teaching at schools like the University of Texas, the University of Michigan, and the University of Pennsylvania.  In 1995, the couple finally found a living in Harvard; the same year, she was asked to direct the new National Bankruptcy Review Commission.
  • During her tenure as chief adviser, Warren testified against Congressional attempts to restrict consumers’ ability to file for bankruptcy.  In spite of her best attempts, the bill was passed in 2005; it was seen as a triumph for the business lobby, and a defeat for Warren. Bruce Mann campaigns on behalf of his wife during the Massachusetts 2012 Senate election
  • 10. Political Career – cont. Political Career – cont.  In November 2008, Senate Majority Leader Harry Reid (D-Nev.) appointed Warren to head the Congressional Oversight Panel (as a special advisor), which was established to keep a close eye on the $700 billion bank bailout known as the Troubled Asset Relief Program.  Warren led investigations, managed televised public hearings, directed interviews of government officials, and submitted recurrent reports demanding responsibility from banks.
  • For her efforts to identify errors, The Boston Globe named Warren “Bostonian of the Year” in 2009.  She took part in designing the Consumer Financial Protection Bureau as part of the Dodd-Frank financial reform legislation, in July 2011.  Policing credit financiers and stopping customers from inadvertently signing up for hazardous loans was the CFPB’s primary goal.  However, Warren was not selected to lead the agency, mostly because of opposition from Republicans.
  •  In August 2011, she resigned as special advisor for the CFPB; the following month, President Obama appointed her as his special assistant. Elizabeth Warren looks on as President Obama announces the appointment of Richard Cordray as the CFPB’s first director, July 2011
  • 11. Elected to U.S. Senate Elected to U.S. Senate  Warren formally announced her bid for the Senate on September 14, 2011, challenging Republican incumbent Scott Brown, who previously won the 2010 special election for the deceased Ted Kennedy’s seat against Paul G. Kirk.  Around the time of her announcement, a speech that Warren gave went viral on YouTube, recommending her to mainstream supporters.  In the clip, filmed in a casual living room meet-and-greet, the Harvard law professor demonstrated how everyone profits from roads, public safety, and the public education system in the U.S.; all of them are paid for by taxes.  “You built a factory and it turned into something terrific or a great idea—God bless!” she said. “Keep a big hunk of it. But part of the underlying social contract is you take a hunk of that and pay forward for the next kid who comes along.“
  •  The talk won some recognition for Warren’s rise in the polls. Warren waves as she speaks at a campaign rally in Boston’s Roslindale neighborhood, Friday, September 21, 2012
  • 12. Warren’s rise in the polls (June 2011-March 2012)
  • 13. Elected to U.S. Senate – cont.  In early 2012, Warren’s campaign faced legal trouble when she was in a media scramble regarding her Native American descent claims.  Reporters for the Boston Herald were unable to uncover any evidence of her alleged Cherokee heritage; her claim was also disputed by a Cherokee genealogist.  In an effort to overcome the dispute, Warren issued a statement to Boston’s WBZ-TV: “Growing up, my mother and grandparents often talked about our family’s Native American heritage. As a kid, I never thought to ask them for documentation—what kid would?”  Warren further clarified that, “I never sought nor gained personal benefit in school or job applications based on my heritage.”
  • 14. Elected to U.S. Senate – cont. Elected to U.S. Senate – cont.
  •  In June 2012, Warren secured the Democratic nomination in the Senate election; she was now running against Scott Brown in a tight race.  A September 2012 poll from Public Policy Pulling showed Brown in the lead with five points above Warren.  Later that month, however, Warren gained national experience as one of the speakers at the Democratic National Convention in Charlotte, North Carolina; this won her the favor of several critics as well as a small lead in the polls.  At the convention, she emphasized the necessity for economic and government changes: “America’s middle class is getting hammered, and Washington is rigged to work for the big guy,” Warren told ABC News. Scott Brown (R) speaks with Elizabeth Warren (D) during their third debate in Springfield, MA, Wednesday, October 10, 2012
  • 15. Warren speaks during the third day of the Democratic National Convention in Charlotte, NC, Wednesday, September 5, 2012
  • 16. Elected to U.S. Senate – cont. Elected to U.S. Senate – cont.  In November 2012, Warren won the election and her first term in the Senate; she defeated Brown by a slight margin.  To the residents of Massachusetts, Warren states on her website, “I won’t just be your senator, I will also be your champion.“  Warren, who has written numerous academic and popular works and is regularly mentioned in media interviews regarding the U.S. economy and personal finance, is seen as a leading voice among progressivism in the U.S.; she has often been mentioned as a possible presidential candidate for 2016, even though she has continually stated that she is not interested in running. Results of Massachusetts Senate election, 2012
  • 17. VP Joe Biden gives the oath of office to Massachusetts Senator-elect Warren, Thursday, January 3, 2013 Senator-elect Warren takes the oath of office again in a mock swearing-in ceremony in front of supporters in Boston; accompanying her are husband Bruce Mann, Senator John Kerry, and Justice Elena Kagan, Saturday, January 5, 2013
  • 18. Sources Sources  Sources:   Other links:  (Elizabeth Warren’s website) 

Americans buy health plan to avoid high cost of medical care

I buy a health plan to avoid high cost of medical care and most Americans have the same reason (
And if health insurance against devastating medical costs is a good thing for us middle-class types, it is a good thing for the poor people too.

I remembered my co-worker who few months ago suffered a stroke and after recovering he incurred so high medical costs that he could no longer pay his house mortgage.

Critical illness and terminal illness will affect our retirement savings if we have one and our assets.

To protect assets, provide additional full living benefits due to terminal, critical and chronic illness and retirement income tax free are the main features of the product of National Life Group a flagship company brokered by Premier Financial alliance who is now hiring financial service people savvy and business minded individual who can build teams and help consumers meet their current and future retirement plan and other financial planning needs.
Call Connie if you are looking for Plan B, part time or full time job and located in 49 states in the USA. 408-854-1883 ;


—————We are hiring:  You are all invited every Monday at 7pm at 400 Oyster Pt, South San Francisco, Ste 120. Wear formal suit. Earn an income with no glass ceiling while helping others with tax free distribution of retirement income with living benefits.


10/25/2013 Retirement Plan Supercharged 6:30pm Dinner and  40min Presentation at Denny’s Restaurant in Milpitas, CA. Please RSVP Connie at 408-854-1883

Wealth not disappearing, a positive comment from Boston MA

Even Japan, trapped by its geography, can find ways to enrich its citizen if there are political will and fairness.

Greece would not have been so dire if its citizens had not engaged in tax dodging as a pastime and its shipping industry, once synonymous to its industrial prowess, was able to skip fair taxes by law.

America is the land of plenty. While there are frauds in social programs, a well defined program like the G.I. Bill have been instrumental in creating a huge educated middle class after WWII. A few pennies from the rich who can afford to employ accountants and lawyers to set up the estate can go a long way to give children of families with lesser means a chance to be contributed member of the future society.

A nation should not be about 5 year planning, let alone just-in-time reacting. It should be generational. So, yes, in dire times, all in the current generation must contribute a little bit more. Because our children will pay dividend.

Connie’s comment
Well said, many families tapped into the life insurance industry to leave behind a legacy, big enough to provide education and business loans for the future generation. This should be fully used by other communities, especially the minorities for the children could afford college without working at the same time and build their own business with needed start up capital.
We are currently hiring business and finance oriented people savvy Americans at Contact Connie 408-854-1883 for more info.

12 Reasons to Support Health Care , Obamacare

Our new health care law will have a profound impact on the health and economic well-being of American families, businesses, and the economy. Below are some of the key provisions of the new legislation. Click on each icon to read more!

The new health care law will:

 btn_reason_1 Ensure that all Americans have access to quality, affordable health care.
 btn_reason_2 Create a new, regulated marketplace where consumers can purchase affordable health care.
 btn_reason_3 Extend much needed relief to small businesses.
 btn_reason_4 Improve Medicare by helping seniors and people with disabilities afford their prescription drugs.
 btn_reason_5 Prohibit denials of coverage based on pre-existing conditions.
 btn_reason_6 Limit out-of-pocket costs so that Americans have security and peace of mind.
 btn_reason_7 Help young adults by requiring insurers to allow all dependents to remain on their parents plan until age 26.
 btn_reason_8 Expand Medicaid to millions of low-income Americans.
 btn_reason_9 Provide sliding-scale subsidies to make insurance premiums affordable.
 btn_reason_10 Hold insurance companies accountable for how our health care dollars are spent.
 btn_reason_11 Clamp down on insurance company abuses.
 btn_reason_12 Invest in preventive care.




Connie’s Comments: A man newly diagnosed with kidney cancer received $288,000 from his Life Insurance company, because when he signed 11 months before he was still healthy and the policy included living benefits: terminal, chronic and critical illnesses allowing the living to receive benefits, portion of the face value of the life insurance. Call 408-854-1883 if you want to help others receive benefits without dying and maximize savings with tax-free retirement benefits. We are hiring, join our crusade of helping working families get 8% return from their savings, goto , click Join Now . Use code CA093932 (Connie Dello Buono as your sponsor/recruiter) and receive free training, email, web support and live person to person field training in the financial service world. Email Connie at for detailed schedule in the bayarea and USA for Financial Opportunity Seminar and training.