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To: TheMightyQuinn; MissesBush
Something is definitely causing Utah's high forclosure rate, but to blame Mormons for something non-Mormons are doing is non sequitur.

Wow! Are you really claiming that Mormons in UT aren't getting foreclosures? (Wow! What a re-statement of the situation!) Did you read the article? It said the % rate was only "slightly higher" among non-Mormons -- NOT rampantly so! Do you really understand statistics?

Let's look @ some actual #s as the proper backdrop...CNBC says the foreclosure rate in Utah is 1 in every 231 households. Mortgage.nextag.com says there's just over 700,000 total number of households in the state. So how many foreclosures is that? (Just over 3,000)

So, let's say you live in a community of 2,300 households -- and you've heard 10 of your neighbors have foreclosed in the last year. Now you know that almost 60% of your neighbors are Lds population-wise (over 1,300 households). So, if you figured if that rate cut demographically across the board, you'd have 6 lds & 4 non-lds. But THEN you hear, "No, slightly more non-Mormon than Mormon households (% rate-wise) are getting the foreclosures."

Now given those #s...what does the above then translate into? If 5 Non-Lds households out of the almost 1,000 got foreclosures, that's a rate of under 1 in 200, which would be HIGHER than the Mormon rate of about 1 in 265 households. Now, is 1 in almost 200 higher than 1 in 265? (Yes) Is it "slightly higher"? (No, it's significantly higher). So in THIS example, I've even skewed the rates more favorably toward Mormons...yet Mormons are then still responsible for at least half -- and likely over half -- of the foreclosures in that community...[Remember, if you're 60% of the population & 57% of the foreclosures...sure, you're doing slightly better than 40% of the population & 43% of the foreclosures...but it doesn't mean one foreclosure household is any "worse" than another (your statement that "if the worst offenders are non-Mormon, why again in this the Mormons' fault?")]

Now we don't even have to rely on just statistical logic:
(1) According to a July 2009 Salt Lake Tribune article Provo-Orem tops state in foreclosure-related filings , which Utah metro area had the highest # of foreclosures? (Answer, the Provo-Orem area -- Utah County -- which "coincidentally" has the HIGHEST % of Lds concentration in the entire state!)

In fact this 2003 article says that 88% of this county is LDS! 88% of Utah County is LDS And the 2009 Trib article says: The Provo-Orem area is ranked No. 31 in foreclosure-related filings among more than 200 areas nationwide, a new report shows.

So the area w/88% Mormon population is actually ranked #31 nationwide for regional areas! The Trib said: The Utah County community is the highest-ranked Utah metro area on the list, with 3,168 properties -- approximately 2.2 percent of all housing units-- receiving a filing in the first half of the year. That's up 129 percent from the same time period last year.

According to the Trib, the other 2 areas (known for having 56-58% Lds population) that were responsible for the second & third highest rates: The Salt Lake metro area was at No. 58, with Ogden-Clearfield at No. 59 in the report by RealtyTrac, which monitors a wide range of filings from default notices -- in which homeowners are simply behind on their payments but not yet in danger of losing their properties -- to notices that the bank is taking possession of the property. In the Salt Lake metro area, 5,322 properties -- 1.4 percent of all housing units -- received a foreclosure-related filing in the first half of the year, up 63.2 percent from the same time period last year. In Ogden-Clearfield, 2,397 homes, or 1.4 percent of all homes, received some type of filing. That's up a whopping 82 percent from last year.

So, bottom line even with these two other areas, what I was getting above & in my last post is that no minority population group that has 40% or so of the population -- which has a SLIGHTLY higher foreclosure rate -- is going to "carry the load" in accounting for a state that has a foreclosure rate almost half of the national average. It just isn't statistically possible.

(2) Also, as further evidence, which state has the 2nd highest Lds population % wise? (Answer? Idaho) And where is Idaho in the national foreclosure ranking? (Right behind Utah in 6th place -- 1 in 246 households!)

28 posted on 02/12/2010 11:01:12 PM PST by Colofornian (As the Lds once were, the fLDS are; as the fLDS are, the LDS will become.)
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To: Colofornian; All
http://www.gallup.com/poll/125849/Hawaii-Tops-Utah-Nation-Best.aspx

I guess those "evil Mormons/Utahns" don't have such a bad thing going afterall.Utah comes in at a close number 2 to Hawaii in its citizens having a sense of well-being, after spending several years at number 1. Hawaii probably only topped them because they're one of the few states spared from the recession:

Well-Being: Hawaii Tops Utah for Nation’s BestCompared with 2008, 27 states improved, 18 deteriorated, and 5 unchanged

by Elizabeth Mendes

Well Being

WASHINGTON, D.C. -- Hawaii's residents had the highest well-being in the nation in 2009, pulling ahead of 2008 leader Utah, and coming in with a new high state Well-Being Index score of 70.2. Utah and Montana are also among the top well-being states in the country, sharing the same score of 68.3. Kentucky (62.3) and West Virginia (60.5) have the two lowest well-being scores, as they did in 2008.

Gallup-Healthways Well-Being Index 2009 state-level data encompass more than 350,000 interviews conducted among national adults aged 18 older across all 50 states. Gallup and Healthways started tracking state-level well-being in 2008. The Well-Being Index score for the nation and for each state is an average of six sub-indexes, which individually examine life evaluation, emotional health, work environment, physical health, healthy behaviors, and access to basic necessities.

The Well-Being Index is calculated on a scale of 0 to 100, where a score of 100 would represent ideal well-being. Well-Being Index scores among states vary by a narrow range of 9.7 points. The 2009 Well-Being Index score for the country is 65.9, unchanged from 2008.

Nine of the top 10 well-being states -- Hawaii, Minnesota, Iowa, North Dakota, Kansas, Montana, Colorado, Utah, and Alaska -- are in the Midwest and the West. Seven of the 11 lowest well-being states are in the South. The general geography of well-being in 2009 remained similar to 2008.

In addition to having the highest overall Well-Being Index score, Hawaii was best in the nation on three of the six well-being sub-indexes, Life Evaluation, Emotional Health, and Physical Health. At the opposite end of the spectrum is West Virginia, which performed the worst on the same three sub-indexes. Utah does the best on the Work Environment sub-index, with a score more than 10 points higher than that of the worst state on this measure, Delaware. As in 2008, Mississippi is at the bottom on Basic Access, and Kentucky scores the worst on Healthy Behavior.

Each state's sub-index score reflects the average of the positive percentages found for each of items detailed in the chart above. For example, Mississippi's Basic Access score of 77.3 means that, on average, more than three-quarters of its residents do have access across each of the basic necessities asked about in the sub-index, but that still leaves a large number who are in need, representing millions of people.

Change in Well-Being From 2008 to 2009

Generally speaking, well-being has been fairly stable over time; most states exhibited little change from 2008 to 2009. Only four states -- South Dakota, Mississippi, Hawaii, and Iowa -- saw an increase of two or more points in their Well-Being Index score from 2008 to 2009. Wyoming saw the largest decrease at 1.3 points. Overall, 18 states moved in a negative direction, 27 in a positive direction, and 5 remained unchanged.

Some of the six sub-indexes scores are more likely to move because of several factors including the number of questions included in the sub-index and the content of the questions. For example, the Life Evaluation sub-index, which is calculated using two questions asking respondents to rate their lives now and in the future, score changes a good deal throughout the course of the year. Across states, 2008 to 2009 change in Life Evaluation scores ranged from 11.0 in Maine to -1.7 in Wyoming. After Maine, two of the biggest gains in Life Evaluation scores from 2008 to 2009, 10.7 and 10.5 points, were in North Dakota and South Dakota, respectively, also the two states with the highest percentage of residents who were satisfied with their standard of living in 2009. Although Wyoming was the only state in which the Life Evaluation score decreased last year in comparison to 2008, the downtick is not statistically significant.

Basic Access scores, on the other hand, are less likely to change over time. This sub-index is made up of 13 individual questions, many of which are items that require community, business, or governmental intervention to change such as if the city where the respondent lives in is getting better or worse as a place to live and if it is easy to get affordable fruits and vegetables where the respondent lives. The year-over-year range of change on this measure is from 0.8 points to -2.1 points and most of the change is not statistically significant, meaning that access to the basic necessities a person needs to have high well-being is essentially stagnant across the United States. However, cities and communities potentially have the opportunity to move the needle on the Basic Access metric by taking significant steps to improve the health and well-being of their residents.

While certain metrics are in the control of the individual and others fall upon businesses and the government to change, what is clear is that a much bigger society-wide effort is needed for more Americans to move their Well-Being Index score closer to the optimal level of 100 points.

Gallup's "State of the States" series reveals state-by-state differences on political, economic, and well-being measures Gallup tracks each day. New stories will be released throughout the month of February.

Survey Methods

Results are based on telephone interviews with more than 353,849 national adults, aged 18 and older, conducted Jan. 1-Dec. 31, 2009, as part of the Gallup-Healthways Well-Being Index. For results based on the total sample of national adults, one can say with 95% confidence that the maximum margin of sampling error is ±0.2 percentage points.

The margin of sampling error for most states is ±1 to ±2 percentage points, but is as high as ±4 points for smaller states such as Wyoming, North Dakota, South Dakota, Delaware, and Hawaii.

The Gallup-Healthways Well-Being categorizes the District of Columbia as a congressional district.

Interviews are conducted with respondents on landline telephones (for respondents with a landline telephone) and cellular phones (for respondents who are cell phone only).

In addition to sampling error, question wording and practical difficulties in conducting surveys can introduce error or bias into the findings of public opinion polls.

About the Gallup-Healthways Well-Being Index™

The Gallup-Healthways Well-Being Index measures the daily pulse of U.S. well-being and provides best-in-class solutions for a healthier world. To learn more, please visit well-beingindex.com.

75 posted on 02/15/2010 1:56:29 PM PST by MissesBush (I Don't Debate Haters)
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