joins The Housing Hour this week to discuss their new book, UnChosen: Surviving The Emotional Trauma Of Job Loss. Greg and Peter masterfully describe the emotional trauma inflicted on individuals and families from the sudden unexpected impact of job loss. While explaining the tough feeling of shame, pain, and worthlessness, they also give a message of comfort and hope.
Join Kevin and Mark as they unpack the daunting story of the “UnChosen”.
Job loss is a traumatic experience that can tear you apart. It is an emotional and traumatic experience that impacts your social, economic and psychological status quo. The workplace is not designed to help you recover from being UnChosen. Managers, recruiters, and friends don’t understand it and are unable to help you unless they have also been through the experience. This book is a guide through this journey from two authors who have experienced it several times and moved on to recovery. UnChosen discusses the impact through personal experience, chronicles the journey, and offers a path to recovery. It is a guide to surviving the new workplace where company loyalty is disappearing and career-minded workers need to become more self-reliant to survive. This book will help you understand what you are experiencing and how to emotionally prepare for moving your life forward from job loss. Greg and Peter have written their experiences to help you conquer those obstacles and become free again.
In 1921, it was considered the most horrifying, gruesome murder in East Tennessee history.
Starting in Knoxville, with a sickening murder in Robertsville, Tennessee (pre-Oak Ridge), to an attempted bank robbery in Oakdale-this story has it all- ending with four men executed in Tennessee’s electric chair on the same day (a dark state record).
Murder Will Out
Co-Host Mark W. Griffith
(Click on ‘DOWNLOAD’ under thumbnail of book-cover)
It seems like every 100 years, or so a sensational trial occurs in communities across the country. Most of them maintain only a local level of interest but occasionally some reach the attention of the national media. The story of George Lewis and Andrew Crumley reached a national audience; its horrific tale of a brutally cruel murder and attempted murder caught the ire and sympathy of the nation. After the sensational trial, verdict and death sentence, the country seemed to wait in anticipation for the execution. On March 1, 1922, Tennessee executed four men; national news headlines exploded with the news.
In the trials closing augments, prosecuting attorney W. H. Buttram predicted the trial would be, ‘….remembered a hundred years hence.’ But in reality, with justice being served quickly and inexorably, memories of the horror soon faded.
Murder Will Out rekindles some of the emotions undoubtedly felt at the time and attempts to honor the memories of two innocent lives that fell victim to such a despicable plot.
The housing crisis is an issue that needs to be faced and tackled by the next administration. Both presidential candidates have contrasting stances on the issue along with different backgrounds. Trump, a real estate mogul, should be better for housing, but his history in the industry is questionable. Eighteen months before the housing crash, Trump started a mortgage company that would go on to fail. The company offered residential mortgages with quick approval, and aggressive salesmen; the same kind of mortgages that led to the housing crisis in the first place. After it failed, Trump distanced himself from the company and claimed he wasn’t involved with it, blaming the people he hired to run the business. The failed business left behind unpaid employees as well as unpaid taxes. Today, he claims that he predicted the housing crisis, but the facts tell a different story.
On the other hand, Clinton has no background in real estate but experts believe that she would be better for the housing industry. Her biggest challenge is getting voters to trust her.
The question then becomes: with a unique track record for Trump, and a general sense of mistrust surrounding Clinton, who would be better for the housing industry and why?
Housing Crisis Background: The current housing crisis, while not as bad as the one from last decade, is still an issue. One of the biggest issues is the lack of affordable housing. The current housing market isn’t in bad shape, but there is a problem with inventory.
What are the challenges facing the next administration when it comes to housing?
11 million households spend more than half of their income on rent
There is a shortage of affordable rental homes
The available houses are being rented by higher-income households making it so only 3 in 10 extremely low income renters have access to affordable housing
Millennials aren’t buying homes
More people are remodeling than buying
Which candidate do voters believe will be best for the housing crisis?
33% of current homeowners believe Trump would be better, while 31% believe Clinton would be better
35% of perspective homeowners believe Clinton would be better, while 27% believe Trump would be better
According to a survey conducted by Berkshire Hathaway in June, 66% of existing homeowners see the current market as favorable, which is up 5% from the spring
Housing Plan Comparison Background: the next president has to deal with the current housing issues. Clinton has laid out a specific plan, and Trump has mentioned what he would but has no released a plan.
In an address to the National Association of Home Builders Board of Directors, he said he plans to slash regulations to give the housing industry a boost by:
Getting rid of any regulations that kill jobs
Reducing income taxes on businesses up to 15%
Removing bureaucrats who have implemented regulations that hurt job growth
Appointing Supreme Court Justices who would have a positive impact on the industry
Help responsible homeowners save for a down payment by providing funding initiatives in underserved communities to match up $10,000 in savings for “responsible homeowners who earn less than the area median income to put towards a down payment on a first home”
Increase funding and broaden credit terms for housing counseling programs shown to help borrowers become sustainable homeowners
Update underwriting tools to reflect today’s job market by pushing congress to government agencies to use a new generation of credit testing tools
Clarify the rules to expand access by giving every government agency that supports mortgage lending 90 days to present a plan to clarify their lending terms
For renters, she plans to reduce the cost by defending the current supply of Low Income Housing Tax Credits and providing additional credits to communities where demand for the credits exceeds the supplies
Construction Background: one of the issues facing the housing industry is a problem with inventory. Because construction relies heavily on foreign born workers, the candidates’ policies on immigration is very important.
What does the construction industry currently look like?
The business is four years into a shortage of framers, roofers, dry-wallers, and painters
This has rained the cost of construction, as well as slowed it down
This was caused by the decrease of illegal immigration vs a few years ago
Mexicans are returning home in huge numbers; more Mexicans have returned home since 2009 than there were when migration peaked in 2006 (Pew Research)
14% of construction jobs go to undocumented workers
As of August, there are 454,000 unemployed construction workers in the US
This is the lowest number for the month of August in more than 16 years
Which candidate is better for construction?
Clinton because Trump’s plan to deport millions of undocumented immigrants would have a huge, negative impact of the construction industry
According to Mark Boud, the Chief Economist at Hanely Wood, deporting the millions of undocumented immigrants who stayed would result in “fewer homes built in an industry already short in terms of housing supply”
The National Association of Home Builders has even been lobbying for a new guest worker program where foreign nationals would be allowed into the US for temporary stretches for jobs, including construction
David Weekely, of David Weekely Homes, claims that reporting all of the laborers would put various different industries in bad shape
The Fr*ee Architecture Firm has proposed that instead of building a wall, build a border city to accommodate the 100 million people living there
Overall, most housing professionals agree that Trump’s stance on immigration is problematic for housing and will have negative long term effects
Solar Energy Background: Solar energy is and housing are intertwined and a hot-button issue with long-term repercussions. The GOP and the Democratic Parties have always have very different views on this issue, and it has become increasingly important in the past few years.
Where does the solar power industry fit into the election?
Democrats back government incentives and funding, which is opposed by Republicans who believe in market-based mechanisms
Currently at the federal level, there is a 30% solar investment tax credit which is the most important policy mechanism for supporting the solar energy sector
There are also state-level regulations like net metering and renewable portfolio standards which require/encourage utility companies to derive a certain minimum of their electricity supply from renewable sources
The federal government plays a role by incentivizing renewables by lowering emissions for conventional fossil fuel sources
What is the future of solar energy?
Solar is becoming increasingly economically feasible, reaching grid parity in many southwestern US states
Where does each candidate stand in terms of solar energy?
Plans to install 500 million solar panels during the first time
Intends to defend, implement, and extend pollution and efficiency standards, including the Obama Administration’s Clean Power Plan
Part of her plan requires congress approval but would be very good for solar demand and boosting near-term pricing
Has not outlined specific agenda or target for renewables, and has expressed skepticism about man-made climate change
Intends to rescind the Obama Administration’s Climate Action Plan and potentially cancel the Paris climate agreement that world powers signed in December 2015
This would be beneficial for the oil and coal industries
Which candidate is better for solar energy?
Clinton has better solar power policies that if implement could provide long-term effects and essentially lead the path for other countries to follow suit
Trump would have no negative sort-term implications but would have negative long-term implications because the US is a world leader – if the US is against solar energy, other countries are likely to follow our lead
Overall, who would be better for the housing industry?
Trump has not released a plan for dealing with housing
While Trump has a background in real estate, Clinton’s proposed housing policies would be more beneficial for dealing with the housing crisis
Wildlife Solutions specializes in keeping your home, yard, or property free of outside wildlife. Located in Knoxville, TN they provide all of Knox County and surrounding areas with friendly, professional and humane wildlife removal services. Their licensed and experienced professionals are available, at your convenience, to evaluate and take care of any problem that you have whether it is bats or squirrels in your attic, raccoons getting into your garbage, or mice getting into your living area.
Co-Host Mark Griffith noticed an adolescent ground hog last year near his home. At the time, it was cute and not an issue. This year, however, things had changed. The ground hog had tripled in size and was starting to cause damage with its burrowing. Mark called Michal Harris with Wild Life Solutions.