Pricing

     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 members of disliked groups, then to active discrimination against them, then to physical attacks, and finally to extermination (lynchings, massacres, genocide). Clearly, anyone who victimizes a whole group of people and seeks to eliminate them to resolve his or her internal conflicts and shortcomings meets the criteria for a delusional psychotic disorder; a major psychiatric illness.

     This highway to the driveway action plan seeks to shine a light on the behavior of each consumer’s own internal conflicts, teachings, 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 SJP Score 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.

DEFINITIONS

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

African Americans                                        Hispanic-Americans

Alaska Native Corporations                            LGBTQ            

Alaska Natives                                                Native Americans 

Asian                                                               Pacific Islander Americans

Asian Indians                                                  Tribal entities

Ex-Offenders                                                  52 (5A’s & 2H’s)

Hasidic Jews                                                  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 Social Justice Pricing (SJP) Score.

    There is no quick way to fix your SJP score. In fact, out of all of the ways to improve an SJP 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 SJP score 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 violence, and macroprudential risk for your neighborhood and our Country.  

4 Important Things You Can Do Right Now

     If you haven't done that, you need to review your housing profile and positive verbal conversation with a consumer who identifies as a race other than your own, your occupation, and your 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 SJP  score.

         How to improve my

Social Justice Pricing (SJP) Score®

Housing Profile

     Contributing 70% to your SJP score is this category. It has the greatest effect on improving your score.  There is a direct correlation between homeownership and building wealth.  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 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.

Man-made Disasters – riots, property damage, demonstrations, domestic terrorism, acts of violence, things that trigger high insurance claims will also receive a lower housing score.

Natural Disaster Rebuilding - Fires, floods, hurricanes, earthquakes, and tornadoes, will also receive a higher housing score for 24 months after FEMA closes the case.

     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 zone pricing = pricing of gasoline is 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.

Positive Verbal Conversation

     Contributing 15% to your SJP score. Simply by downloading the Ginicoe App and enabling the voice interactive slider along with Bluetooth enabled you and a would-be neighbor can both increase your SJP 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.

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.

Occupation

 Contributing 10% to your SJP score. Once we verify and authenticate your reported occupation your SJP score will be adjusted accordingly.

Generally, there are two types of occupations the haves and the have nots.

HIGHER SCORE

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)

https://www.bls.gov/oes/current/oes_3900002.htm#top

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LOWER SCORE

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

Exclusions and Limitations from your SoJOR Housing Score

-Tribal Lands

-Ancestral Grounds                             

-Historical District’s local designations

-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.

Also excluded is

-       Fire, flood, hurricanes, earthquakes, tornadoes, tsunami, mud slides, flooding and similar housing and community disaster consumers for 24 months after FEMA closes the case.

-       Senior Citizens move if possible? Graduated scale

-       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 is also excluded. 

-       Landlord owners (commercial only), mobile & trailer homes, group homes, on-campus student housing, correctional facilities, military bases, health care facilities, and shelters are all also exempt.

  Contributing 05% to your SoJOR rating. Once we verify and authenticate your reported total net worth your SJP score will be adjusted accordingly. Here is a use case:

Your total net worth is greater than $400,000 usd = Higher Score

Your total net worth is less      than $100,000 usd = Lower Score

      Examples of 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, and many others.

Disputing Your SoJOR rating

     Read more about Disputing Errors on Your Social Justice Pricing score.