Consumer

Consumer

HOW IT WORKS

1.  SignUp                                                                  3.  Wait for Admission to Ginicoe Family by email. 

2.  Receive Your Social Justice Rating (SoJOR)       4.  Use your credit & debit cards everywhere-all                                                                                                                           the Time.                                                                                                                                                                                                                

·  We Are a Purpose Driven Company

Scarcity is the basis of value. We transmit consumers voluntarily submitted pre-authenticated facial images as a security tool to every point of interaction 24x7, where our overall legitimate business practice is (a)  to reduce income inequality due to direct or indirect restrictive covenant housing or neighborhood policies where the object is to build intergenerational wealth at gentrified real estate addresses such that this practice is necessary to the safe and efficient operation of our Company’s legitimate business practice of Social Justice Outerchange Rating (SoJOR) and (b) to prevent identity theft of all associated business transactions. This is our remarkable patented Unique Selling Proposition (USP) to you[1].

·  BENEFITS & PERKS TO YOU

Ginicoe provides cashback rewards to you on the 20^th of every month that may be redeemed from your Ginicoe Wallet™ and returned back onto your charge cards. The cashback rewards are based on (i) your Social Justice Outerchange Rating (SoJOR)™ range, (ii) how much you spend, and (iii) if you use your credit and debit cards at any one of our 5000+ approved points of interaction merchant locations.

·  What is the SoJOR scoring system?

SoJOR is your Social Justice Outerchange Rating. It is comprised of four components based on your (1) Housing location relative to your neighbor’s race; (2) your positive conversation scoring; (3) your gender; and finally your (4) income. The scoring range is best to worst 850 – 300.

·  What is the purpose of SoJOR?

To reduce the income inequality racial wealth gap between the Two Americas; one is affluent, privileged, and elite; when compared to the majority of us who live paycheck to paycheck.  Put another way, our aim is NOT the disproportionate happiness of any one group, class, or race, but the greatest happiness of the whole. When our Nation prioritizes the collective good on behalf of all consumers over individual interests or oligarchy interests, It is at that time that we are more likely to achieve justice meaning fairness, equality, and the proper distribution of benefits and burdens within our society. To summarize - Justice is the equal sharing of power, resources, and responsibilities. 

·  How does SoJOR achieve this purpose?

Given that all consumer’s primary residence (not commercial or investment properties) geographic location is tightly linked to building wealth – and given that all consumer’s geographic location is tightly linked to your home’s value that equates to good schools, roads, medical, supermarkets, equal police protection – in effect your neighborhood – it is, therefore, efficient to measure the disconnect between the Two Americas. Click here to learn more. https://ginicoe.com/service/How-to-fix-income-inequality

·  Is SoJOR scoring system voluntary for consumers?

It depends on whether the merchant uses it and if so, how. The SoJOR scoring system is a reliable and independent measure of consumers’ social justice risk level to fulfill their social justice obligations.

·  I Did Not SignUp – Why is my SoJOR score set at 300?

Your SoJOR score does not start at zero.  Having no SoJOR score is not the same as having a zero SoJOR score.  While the starting point of SoJOR is 300, starting this low is unlikely unless you have not signed up or if you remain out of bounds regarding the housing component and positive conversation component of your SoJOR.

·  What is meant by P52?   PLAHNET52 is an acronym for the below-protected groups:

Pacific Islander Americans      

LGBTQIA+       

African Americans          

Asian

Asian Indians        

Alaska Natives      

Alaska Native Corporations     

Hasidic Jews

Hispanic-Americans

Native Americans

Ex-Offenders

Tribal entities   52 (There are 5A’s & 2H’s that comprise the acronym)

See 15 C.F.R. §1400 e.g. Muslims, Eskimos, Disabled, economically disadvantaged.

·  Why is the Housing Component so important?

The United States' identity is not rooted in religion (like Austria and Saudi Arabia), or ethnicity (like Korea and Japan). Our identity is rooted in ideals as spelled out in the Bill of Rights and our Constitution.  Put another way, politicians have us divided by race as seen in congressional gerrymandering. U.S. politicians are supposed to advocate for policies that help mankind and are rooted in ideals – not race.  We should not let them off the hook so easily. They have enjoyed a free ride for too long without doing their jobs.

By peacefully assembling at every financial transaction as Ginicoe members - we can course-correct our elected officials to help them to understand that living in racially segregated enclaves of clustered housing, communities, neighborhoods, and congressional districts, that different races find fewer opportunities to intermingle and to understand each other.

State and local politicians, civil servants, and community leaders develop narrow views of society's interests. As a result, the enclaves or clustered housing become the seedbeds for communal agitation leading to political violence.

·  Does Geo-segmented integrated housing dilute political power?

The impact of segregated housing on P52s political efficacy is theoretically ambiguous. On the one hand, increased contact among P52s in more segregated congressional districts may mean that P52s are better able to coordinate political behavior. On the other hand, lesser contact with European-Americans may mean that P52s have less political influence over voters of other races.

For example, imagine a state with 10 districts. P52s make up 10% of the state population. If all P52s are located in one district then that district will likely elect a P52 representative. Yet, on average P52s will not likely have their substantive interests met by this legislative delegation as P52s only directly influence (through the vote) one-tenth of their state’s representatives. The remaining 90% remains in control of European-Americans.  To learn more on this subject, check it out here:

·  SEGREGATION AND BLACK POLITICAL EFFICACY

By Elizabeth Oltmans Ananat & Ebonya L. Washington

Working Paper 13606

NATIONAL BUREAU OF ECONOMIC RESEARCH

1050 Massachusetts Avenue, Cambridge, MA 02138 - November 2007

Click here to learn more. http://www.nber.org/papers/w13606

In effect, positive conversation ratings found on the Ginicoe Mobile App used between both P52s and European-Americans influence each other leading to (a) requiring their congressional representative to service their districts based on policy and not race. This results in a just State where the State is rightfully larger and of more importance than the individual congressperson.

·  How can we be sure that full housing integration can work?

Singapore’s Ethnic Integration Policy (EIP) was adopted in 16 February 1989 and it serves as a blueprint of

what we as Americans can achieve.  Singapore’s EIP works by setting racial quotas on housing ownership

within each block and neighborhood to avoid concentrations of anyone ethnic group.  We differ it that

Singapore’s EIP is government enforced and Ginicoe is wholly owned by private sector shareholders as

implemented by it consumer and business members.  Additionally, we see successfully racially integrated

institutions with our U.S. Armed Forces, Sports Teams, Employment, Shopping, University Dorms,

Restaurants, Transportation, and now from The-Roadway-to-the-Driveway.  

·  Is this a segregation tax?

No. You are paying to secure your card transaction with your biometric once you complete the SignUp.

If you have not signed up yet, then the merchant may consider your transaction a high-security risk.

Put another way, it is a geo-segmented fee like Uber, orchestra seats, out-of-state tuition, and similar.

·  Wanna close the deficit?

Citigroup estimates the U.S. economy lost $16 trillion over the past 20 years as a result of discrimination

against African Americans.

Racism Has An Economic Cost, Atlanta Fed President Warns

Specifically, the study came up with $16 trillion in lost GDP by noting four key racial gaps between African

Americans and whites:

 $13 trillion lost in potential business revenue because of discriminatory lending to African American entrepreneurs, with an estimated 6.1 million jobs not generated as a result.

 $2.7 trillion in income lost because of disparities in wages suffered by African Americans.

 $218 billion lost over the past two decades because of discrimination in providing housing credit.

Citigroup urges a slew of actions to reverse discriminatory practices and boost GDP over the next five years,

including addressing the wage gap suffered by African Americans and promoting diversity at the top within

banks and companies.  Citigroup's recommendations aren't new: Various studies have shown similar findings,

and experts have called for similar action for years, though so far progress has been slow.

Ginicoe challenges Citigroup and others to donate their resources to our efforts.

·  Tell me more about the Two Americas

There is an overwhelming body of work on this topic throughout the cyber landscape. You might

examine Knocking on the Door: The Federal Government's Attempt to Desegregate the Suburbs     ISBN-13:

978-0-691-11934-2  Copyright 2006  by:  Christopher  J. Bonastia – Lehman College Professor.  Attention is

also drawn to Ingrid Gould Ellen who is recognized as a distinguished Scholar as a Paulette Goddard

Professor in the field of Urban Policy & Planning at NYU Furman Center.  She and many other professors,

economists, philanthropists, nonprofits, research centers, think tanks, and institutions who concentrate on

neighborhoods, housing, gerrymandering, redlining, poverty, crime, health disparities, DEI, ESG, rooted in

residential segregation also lend their collective body of knowledge and experiences.

We drill down beyond these professors with a focus on Congressional Districts, all 3,007 counties, 64

parishes, 19 organized boroughs, 11 census areas, 41 independent cities, and the District of Columbia for a

total of 3,143 counties and county-equivalents in the United States.

The 2020 census conducted by former President Trump informs us that there are 19,495 incorporated cities,

towns and villages in the United States. 14,768 of these have populations below 5,000. Only ten have

populations above 1 million and none are above 10 million. 310 cities are considered at least medium cities

with populations of 100,000 or more. We then drill down even further by zip codes, avenues, roads, streets,

and your address. Click here to learn more.

·  HOMEOWNERS RELOCATION ADVANTAGE

·        If you currently enjoy an 781 or higher Social Justice Outerchange Rating (SoJOR)™ or upon

your forward looking new relocation address; you may be eligible to receive a full point (1%)

reduction from your bank off of today’s 30yr fixed interest rate at the bank that has partnered with

Ginicoe.

·       The inverse of this may be true if your SoJOR is 600 or lower. Additionally, your residential appraisal may perform a downward value adjustment on FNMA 1004, related to income inequality anti-covenants.

·       New homeowners remain eligible for up to $25,000 assistance for first-time homebuyers as part of President Harris’ policy.  Additionally, there maybe increased assistance if you are a first-generation homebuyer. 

·       The United States First Amendment gives Social Justice Warriors the right to peacefully assemble in public spaces, such as the internet, as a form of collective expression. We invoke the right to associate with others, have a voice, and advocate for change while raising awareness about issues that matter to us.

·       Special purpose credit programs (SPCPs) are well established systems within the Consumer Financial Protection Bureau (CFPB), The FDIC, The Community Reinvestment Act (CRA),  and the Department of Housing and Urban Development (HUD) coming out with guidance in support of SPCPs in recent years. Banks, nonprofits, public and private investors, as Ginicoe members can establish or work within these programs to narrow racial gaps in business and home ownership.

For example, U.S. Bank implemented a SPCP to offer loans for businesses owned by women, minorities, and veterans. These loans have a limit of $2.5 million, have lower credit score requirements, and offer more flexible lending options than traditional loans. The National Fair Housing Alliance’s toolkit and the American Bankers Association’s regulation guidance are helpful resources for interested investors. 

To learn more about these and other systems, click here.

·  I’m having a hard time selling my home.

The side effect of this Roadway-to-the-Driveway Action Plan is that over time when people want to sell, if you are a P52 and you have reached the maximum number of P52 potential buyers, it may be best to sell to another person self-identified as a P52. The same holds for European Americans. This will inevitably improve both parties' SoJOR. However, buyers and sellers may transact with whomever they choose. 

Because P52s by definition represent a smaller demand pool, you might take longer to sell, or there might be pressure on the price.

·       Ginicoe exercises flexibility for this type of transaction on a case-by-case basis by giving households more time to sell, waiving SoJOR ratings in exceptional cases, or facilitating buying back their homes directly for those who genuinely find it difficult to sell their homes.

·       So our approach keeps the United States cohesive – we exercise flexibility in a targeted way, to deal with the effects directly, for the small number who may be affected.

·       We will also be introducing The Maintenance of Racial Harmony Act following the footsteps of Dr. MLK jr once we meet our donation goal and begin to see progress on reducing income inequality via the SoJOR.

·  If you look at our current challenges, we are still a work in progress. No society can claim that it is free from racism, and I think if you claim that, you wouldn't be telling the truth.

·   The reality is that we don’t paper over our differences. We don't adopt what some government officials call a race-blind approach. We don’t think we should ignore race – that will not solve our problems. So we take a race-sensitive approach.

·       And while the government has bungled race-related issues, to ensure that P52s are not disadvantaged we ask that all Americans join us in forming a more perfect Union.

·  DATA BREACH ADVANTAGE

·       Your social security number, credit and debit card number, address, date of birth, and similar private information can NOT be used by bad actors at merchants, banks, government agencies, health care facilities, and educational institutions that partner with us for FREE once you become a Social Justice Warrior with us.

·       Start monitoring your data out on the dark web by clicking here.              We fix this for you.

·  GERRYMANDERING, POLICE ABUSE, AND POLITICAL VIOLENCE

·       More unequal societies tend to be more violent. Therefore, by joining and actively using our service and products, you are moving our Nation to a more peaceful perfect union.

·       Income gap and Risk:  Income inequality can have negative effects on society, including Increased rates of crime, Impediments of productivity and economic growth, gambling, drugs, health problems including higher rates of violence, and police abuse, shorter life expectancies, and Impaired functioning of representative democracy known as gerrymandering.

·  What is meant by Risk?

Living in separate enclaves, communities, or neighborhoods, the different races find fewer opportunities to intermingle and understand each other. State and local politicians, civil servants, and community leaders develop narrow views of society's interests. As a result, the enclaves or clustered housing become the seedbeds for communal agitation leading to political violence. 

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