5_Social Justice Outerchange Rating
Can We
as Americans, eliminate racism as being customary
and move
it to being rare?
_______________
Put another way, how do we close the gulf between the reality of our racist divide and the model found in our Bill of Rights?
In dealing with the racial component of ESG, it is past time that ‘racism’ be included in the Diagnostic and Statistical Manual of Mental Disorders (DSM) as a psychiatric illness. Here is why: It begins with verbal expression of antagonism, then devolves down into avoidance of consumers of disliked groups, then to active discrimination against them, then to physical attacks, and finally to extermination (lynchings, massacres, genocide, police killings). Clearly, anyone who victimizes a whole group of consumers and seeks to eliminate them to resolve his or her internal conflicts, shortcomings, or different religious beliefs meets the criteria for a delusional psychotic disorder; a major psychiatric illness.
If the global economy is a race to improve human existence and to win that race we need to be firing on all cylinders; every NASCAR fan knows the race will result in crash-ups and injuries if we go slow because every cylinder is not firing. It is the same with our economy. Intake is demand. Compression is the backorder. Thus, all of our power must be concentrated to exert thrust for efficiency and this will lower our gini coefficient and therefore dispense less exhaust.
This 'Roadway to the Driveway' action plan seeks
to shine a light on the behavior of each consumer’s own internal conflicts,
teachings, beliefs, and prejudices where the overriding objective is to
self-reflect and become less paranoid of people who
self-identify as a race or group of people other than your own —and
therefore, less prejudiced. There are rules of the road that we all abide by
that result in racially integrated highways – we can do the same at the
driveways and homes of America. This is how we begin to end apartheid America
and close the income inequality gap.
It's
important to note that improving your Social Justice Outerchange Rating (SOJOR) is a bit like getting out of
the ease of your comfort zone: It requires you to understand that racism and
bigotry is a learned behavioral dysfunctional or unhelpful behavior. None
of us are born with this psychiatric illness. Therefore, you have to unlearn
it. Ginicoe calls you to a higher duty to yourself and to our Country to live
up to the words of our Bill of Rights. Donate here to help.
Scarcity is the basis of
value. Thus, necessary for the safe and
efficient operation of Ginicoe’s overriding
legitimate business
necessity to Reduce Income Inequality by
using Facial Recognition During Financial Transactions - there exists for
Ginicoe’s members - to actively recruit members from the scarce protected
group.
Scarce
PLAHNET52 (P52) who live within 3-4 houses or apartments on either of four
sides of those who commonly are more apt to live in clustered housing will
improve your Social justice Pricing Score.
Protected Groups are
defined in the remaining total as PLAHNET52
Pacific Islander Americans Hasidic
Jews
African Americans Native
Americans
Alaska Native Corporations
Ex-Offenders
Alaska Natives
Tribal
entities
Asian 52 (5A’s & 2H’s)
Asian Indians See 15 C.F.R. § 1400.1e.g. immigrants, Muslims, disabled, etc.
Conversely, clustered
PLAHNET52 members also must perform the same as is the case in The
District of Columbia. Housing integration or
gentrification similar to Albany, NY will serve the economic
consideration of Ginicoe’s members to close the income gap by
harmonizing home equity thereby improving your SoJOR.
There is no quick way to fix your SoJOR. In fact, out of all of the ways to improve an SJS score, quick-fix efforts are the most likely to backfire – because by definition income inequality resulting from racism and bigotry has its roots before our Constitution was signed, so beware of any advice that claims to improve your SoJOR fast if you just change your mailing address or similar.
The best advice for
improving your social justice score is to manage it responsibly over time and
be willing to take the risk. In the end, you will have reduced political risk,
social and political violence, and macroprudential risk for your neighborhood,
your diaspora, and our Country.
4 Important Things You Can Do Right Now
If you haven't done so yet, you need to review your
(1) housing profile and (2) positive verbal conversation with a
consumer who identifies as a race other than your own. Also review your
(3) occupation, and your (4) income, before you see
improvements in your social justice score.
The
following tips will help you with that. They are divided into categories
based on the data used to calculate your Social Justice Outerchange Rating (SoJOR).
How to improve my
Social Justice Outerchange Rating
(SoJOR) ®
1. Housing Profile
Historical problems of racially
segregated Congressional Districts, States, Counties, Municipalities,
Political Subdivisions, Townships, Schools, Village bonds, Public Utilities,
Special Tax Districts, or entire MSA’s (CRA assessment area) neighborhoods,
streets, blocks, apartment buildings, apartment floors, houses, neighbors,
roommates, and families result in clustered living conditions ripe for unequal
appraisals.
America has not always been
like this. From 1863, the reconstruction era, through 1910, a period of
about 50 years, there was integrated housing in America. For 1 or 2 generations
that is what normal looked like. Baltimore was the first city to
experiment with measures to enforce residential segregation in 1910. It
designated all-white and all-black blocks in areas where individuals of both
races lived apart.
Other examples of
geographic pricing is: In-State versus Out-of-State tuition; Taxi/Uber
zone prices; Surge pricing; Airline passenger seats, Orchestra seats; Car
Insurance (Geo); SALT Tax; Ironworks; pharmaceuticals in Canada;
hotel rates, FreshPlum, Amazon, Staples and
videogame store Steam all vary their price by geographic location some by as
much as 166% (offered as a discount and never a surcharge).
Gasoline pricing is zone based on a complex and secret
weighting of attributes:
Number of competing stations
Number of vehicles
Average traffic flow
Population density
Geographic characteristics
There are 12 regional judicial circuits each with their own
damage awards, fees, etc.
There are (12) twelve Federal Reserve Bank Districts.
These decentralized district boundaries were based on prevailing trade regions
that existed in 1913 and related economic considerations. As a
result, they do not necessarily coincide with State lines.
Examples of race-based pricing is found here.
2. Positive Verbal Conversation
Contributing 35% to your SoJOR. Simply by downloading the Ginicoe App and enabling the voice interactive slider along with googlemaps (TM) enabled you and a would-be neighbor can both increase your SJS score. Conversely, if the verbal conversation is not good, you can also submit a bad review regarding that would be neighbor. Your membership ID is used for tracking and your enabled conversation score history can easily be tracked on your dashboard. You may turn it off or on. It is your choice. Here are the metrics for your
Positive Verbal Scoring Reviews
***** |
Shows Tenderness, Kindness, Generosity, Receptive to
Others. |
850 | |||
***** |
SLANT: Sit-up, Lean Forward, Ask Questions, Nod
Your Head, Track Your Speaker |
850 | |||
**** |
Business Conversations – contracts, sales, capitalism |
800 | |||
**** |
Intellectual –
thought provoking (e.g. problem solving) |
800 | |||
**** |
Good Conversationalist starts in one place and ends up in
another. |
750 | |||
*** |
The other person
fails to see how you experience the world. |
675 | |||
*** |
Listen to Learn has deteriorated and the other person has
shifted to response mode. |
650 | |||
** |
The other person
mis-sees you. |
550 | |||
* |
Angry – loud yelling, argumentative (hate noise) |
450 | |||
- |
Non-verbal (back
turned, hand over ears, flipping the bird, talk to the hand, etc |
300 | |||
- |
Yelling (e.g. Hate noise) |
300 | |||
- |
Threats of violence;
Acts of violence |
300 |
How often is verbal scoring updated? once a month
You can generally expect your score to
update at least once a month, but it can be more frequently if you have multiple
verbal communication reviews. Each time any one of your reviewers sends us
information — your score may refresh.
Other examples of positive verbal conversation: is at
your place of worship. BTW: You earn
2x points for positive conversations on your day of worship. Ironically,
this is the most segregated day of the week!
3. Occupation
Contributing 5% to your SoJOR. Once we
verify and authenticate your reported occupation your SJP score will be
adjusted accordingly. Consumers who revel in power, responsibility, and
resources enjoy a direct correlation with the affluent. Conversely, those who
do not have access to power, responsibility, and resources suffer from a direct
correlation as the forgotten. This applies to all ethnic groups.
Examples of two types of occupations: the
affluent and the forgotten.
LOWER SCORE (the affluent 300 - 580)
11-0000 Management Occupations
13-0000 Business and Financial Operations Occupations
13-2020 Property Appraisers and Assessors (decrease
score)
15-0000 Computer and Mathematical Occupations (exempt
Educational Instructors)
23-0000 Legal Occupations
27-2022 Sport Coaches and Scouts
27-2042 Musicians and Singers
29-0000 HealthCare Practitioners and Technical
Operators
33-0000 Protective Service Occupations
41-3011 Sales, Advertising Agents and Brokers
41-3021 Sales, Insurance Agent and Brokers
41- 3031 Sales, Commodities, and Financial Services Sales
Agents
41 -9022 Sales, Real Estate Agents and Brokers
___________
HIGHER SCORE (the forgotten 580 - 850)
11-3071 Transportation, Storage, and Distribution
Managers
11-9021 Construction Managers (increase score)
11-9031 Education and Childcare Administrators,
Preschool and Daycare (increase score)
11-9032 Education Administrators, Kindergarten
through Secondary
11-9033 Education Administrators, Postsecondary
11-9039 Education Administrators, All Other
11-9051 Food Service Managers
11-9151 Social and Community Service Managers
17-0000 Architecture and Engineering Occupations
19-0000 Life, Physical, and Social Science
Occupations (Euthenics and Ellen Swallow Richards)
21-0000 Community and Social Service Occupations
25-0000 Educational Instructions and Library
Occupations
27-0000 Art, Design, and Media Occupations
29-1141 Registered Nurses
29-2042 Emergency Medical Technicians (First
Responders)
29-2043 Paramedics (First Responders)
29-2061 Licensed Practical (LPN) and Licensed
Vocational Nurse
31-0000 Healthcare Support Occupations
33-2011 Firefighters (First Responders)
35-0000 Food Preparation and Service Related
Occupations
37-0000 Building and Grounds Cleaning and Maintenance
Occupations
39-0000 Personal Care and Service Occupations
41-0000 Sales and Related Occupations
43-0000 Office and Administrative Support Occupations
45-0000 Farming, Fishing, and Forestry Occupations
47-0000 Construction and Extraction Occupations
49-0000 Installation, Maintenance, and Repair
Occupations
51-0000 Production Occupations
53-0000 Transportation and Material Moving
Occupations
53-3031 Driver/Sales Workers (increase score for
household goods)
53-3032 Heavy and Tractor-Trailer Truck Drivers
(increase score for household goods and new home materials)
53-3033 Light Truck Drivers (increase score for box
truck of household goods)
Don't see your job? Check it here: https://www.bls.gov/oes/current/oes_3900002.htm#top
4. Income
Contributing 5% to your SoJOR. Once we verify and authenticate your reported total net worth your SoJOR will be adjusted accordingly. Here is a use case:
If Your gross income is greater than $130,000 usd = You
will earn a Lower Score
If Your gross income is less
than $130,000 usd = You will earn a Higher Score
Other examples of "segmentation pricing" such as Income
social justice pricing are wealth advisors, financial
planners, sliding scales, co-pays, deductibles, assets under management, houses
of worship collect a tithe, child adoption agencies, lawyers receive 33.3% of
your damage award from contingency fee pricing, state lottery agents, ESG ratings, risk assessments, political violence insurance (PVI) carriers, Get a rate based on you aka DriveWise (Allstate TM), and many
others.
_______________________________
Exclusions and Limitations from your SoJOR Housing Score
As a reminder, your
housing component makes up over half, or 55% of your SoJOR rating. Consumers who
are in the listed 'exclusion' category will never fall below 580. However,
all consumers are encouraged to improve their housing scores. Consumers
who enjoy this exempt safeguard may opt-in and participate to help our
Nation become a more perfect union, pursuant to the guidelines
above.
-Tribal Lands
-Ancestral Grounds
-Corporations that purchase single-family homes e.g.
-Strategic Acquisition
-Blackstone Subsidiary Invitation Homes
-Colony
Capital
-Starwood Waypoint Management
-Farmers, including Family Farms
A family farm is excluded. It is any farm in which the
majority of the business is owned by an operator and any individuals related to
them by blood, marriage, or adoption, including relatives who do not live in
the operator’s household.
A ranch is also excluded. It is by most definitions defined
as between 400 to 500 acres or more in size, and devoted primarily to livestock
(although there is some variation depending on the region and how it's
managed). In some areas, a ranch may have a specific legal definition. At least
two vaqueros also meet our exclusion criteria.
Also excluded is
-
Natural Disaster Rebuilding due to Fires, floods, hurricanes,
earthquakes, tornadoes, tsunamis, mudslides, and similar housing and
community natural disasters. Victimized consumers are exempt for 36 months
after FEMA closes the case.
- Senior
Citizens age 80 or older
-
Disabled Veterans
- Episodes
of extreme, unusual weather or other natural events that create a natural
environment ripe for conflict or large-scale humanitarian crises of human
migration & refugee relocation are also exempt.
-
Dedicated commercial property (mixed-use is not exempt), mobile &
trailer homes, group homes, on-campus student housing, correctional facilities,
military bases, health care facilities, temporary lodging, hotels, motels, and
shelters are all also exempt.
//////////////////////////////////////////
NOT Excluded From your Housing Score
- Man-made Disasters –
when an event organizer is granted a permit to protest, assemble, parade,
rally, march, chant, sing, display
slogans, sit-in, picket, demonstrate, participate in the blockade of food,
medical, or political expression on land, air, or sea or technology or other
forms of expression and if that organizer is racially or ethnically or
religiously controversial and/or targeted against or in favor of PLAHNET52,
then the reality is such that opposing demonstrators invariably will contest or
clash one another. It is that clash that often triggers insurance claims of
property damage, defamation, injury, or in the worst-case scenario – loss of
life. Events that trigger these insurance claims should result in a
downgrade to speculative or junk of the venued municipal bond that granted the
permit in the first place. For these purposes, the event organizers will
receive an auto-generated lower housing score.
Adjusting Your SoJOR rating
We are happy to update your SoJOR profile.
Just drop us a line and let us know how we can help.