Making Mississippi Competitive- Solutions for Building Assets in Low-Wealth Communities

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OSMOE^O^ KAX@^@OEO D@^^@^^@RR@

DOM@EF D@ @ @RR@ NADRHY@Y@ZH^AKXY@AE^JASCX@KI@EFO^^HY^ @EKAV$VHOKYGNADDXE@Y@H^

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Ocaxy Yg`~ RsalhnyYg`~ shrasy ~ o la`ey rsalhny chyvhhe ygh D`~~`~~`rr`Hnaead`n Rak`np Nheyhs 'DHRN oei ygh Jaxeioy`ae jasygh D`i axyg%

DHRN ~ o eaersaj`y+ eaerosy`~oe asfoe`|oy`ae ygoynaeixny~ eihrheihey sh~hosng ae rxck`n rak`np ~~xh~ojjhny`ef vasm`ef D`~~`~~`rr`oe~% Ygsaxfg rxck`n

axyshong hjjasy~+ rak`npdomhs hixnoy`ae oei hefof`ef yghdhi`o+ DHRN x~h~ y~ oeokp~`~ ya he~xsh ygoy ygh ehhi~ ajkav$ oei daihsoyh$`enadh D`~~`~~`rr`oe~+ e rosy`nxkos+osh nae~`ihshi e ygh ihzhkardhey oei drkhdheyoy`aeaj rxck`n rak`np v`yg ygh xky`doyh faok aj drsaz`efonnh~~ ya hnaead`n arrasyxe`yp%

DHRN ~ doeofhi cp ygh Garh Heyhsrs`~h Nasrasoy`ae'GARH+ o shf`aeok j`eoen`ok e~y`yxy`ae oei naddxe`ypihzhkardhey eyhsdhi`osp ihi`noyhi ya ~yshefyghe`efnaddxe`y`h~+ cx`ki`ef o~~hy~ oei drsaz`ef k`zh~ ehnaead`nokkp i`~ysh~~hi osho~ ygsaxfgaxy ygh D`i axyg%

Ygh Jaxeioy`ae jas ygh D`i axyg 'JD^ ~ o shf`aeokjaxeioy`ae ihi`noyhi ya drsaz`ef k`zh~ cp hwroei`efmeavkhifh `e Osmoe~o~+ Kax`~`oeo+ oei D`~~`~~`rr % Yghjaxeioy`ae ~hhm~ ya ensho~h arrasyxe`yp jas sh~`ihey~ oeinaddxe`y`h~ cp ~xrrasy`ef oei ~yshefyghe`ef ygh ~m`kk~oei noron`y`h~ aj asfoe`|oy`ae~ oei ei`z`ixok~ vasm`ef yacs`ef ocaxy ngoefh% JD^ ~xrrasy~ hjjasy~ ygoy nshoyhg`fg$qxok`yp hixnoy`ae+ henaxsofh rgp~`nok oei dheyokghokyg+ rsadayh j`eoen`ok ~hnxs`yp+ oei heockhnaddxe`y`h~ ya fsav oei rsa~rhs%

Onmeavkhifdhey~Yg`~ shrasy naxki eay gozh chhe nadrkhyhi v`ygaxy ygo~~`~yoenh aj ~hzhsok ayghs ei`z`ixok~ oei asfoe`|oy`aeVh vaxki k`mh ya ygoem Okoe Chsxch oei Hd`kp Foss aygh Csaam`ef~ @e~y`yxy`ae jas ygh`s ~rhn`ok oeokp~`~ aj @Syow shyxse ioyo% Vh osh ok~a fsoyhjxk jas ygh j`eoen`ok~xrrasy aj ygh Oee`h H% No~hp Jaxeioy`ae oei yghJaxeioy`ae jas ygh D`i axyg jas ygh ihzhkardhey oe

shkho~h aj ygh shrasy% Sozhe nayy+ o Jo`yg oei Vasm`eyhse jsad D`kk~or~ Nakkhfh+ ok~a doih zokxockhnaeys`cxy`ae~ ya ygh j`e`~ghi rsaixny%

Jas dash ocaxy DHRN+ fa yavvv%dhrnaek`eh%asf

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Jas dash ocaxy JD^+ fa yavvv%jeid`i~axyg%asf

O N M E A V K H I F D H E Y ^

Okk s`fgy~ sh~hszhi% Oep rasy`ae aj yg`~ shrasy dop ch shrsaixnhi v`ygaxy rs`as rhsd`~~`ae+ rsaz`ihi ygh ~axsnh `~ n`yhi o~< Hivosi`zom oei Oefhko Ixsoe% Ygh G`fg Na~y aj Ch`ef Raas e D`~~`~~`rr`%Lonm~ae+ D^< D`~~`~~`rr` Hnaead`n Rak`np Nheyhs% 32??

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H W H N X Y @ Z H ^ X D D O S P

Onsa~~ ygh ~yoyh aj D`~~`~~`rr`+ jod`k`h~ osh vasm`ef gosi+

cxy jo`k ya domh hei~ dhhy% Kav vofh vasm oei yghoc~henh aj o~~hy~ hwonhscoyh oe hwnhhi`efkp yaxfghez`saedhey jas vasm`ef jod`k`h~% O~~hy~+ `e rosy`nxkos+rkop o gxfh sakh e ihyhsd`e`ef vg`ng jod`k`h~ ozhsyj`eoen`ok i`~o~yhs ixs`ef oe hdhsfhenp oei vg`ng jod`k`h~dazh jasvosi ygsaxfg gadhavehs~g`r+ heyshrshehxs~g`ras nakkhfh hixnoy`ae%

Phy+ D`~~`~~`rr`oe~ jonh o exdchs aj ac~yonkh~ e cx`ki`efo~~hy~% O g`fghs rhsnheyofh aj D`~~`~~`rr`oe~ konm onghnm`ef as ~oz`ef~ onnaxey ygoe oepvghsh hk~h e yghnaxeysp% @e ygh oc~henh aj o shkoy`ae~g`r v`yg o coem asnshi`y xe`ae+ jod`k`h~ v`ygaxy shyo`k onnaxey~ osh shkp`ef

ae g`fg na~y j`eoen`ok ~hsz`nh~% O~ jod`k`h~ j`ei ygoy yghposh e ~`yxoy`ae~ vghsh yghp dx~y x~h g`fg na~y j`eoen`ok~hsz`nh~+ kh~~ daehp ~ ozo`kockh ya ~ozh oei cx`ki o~~hy~%

Ygh jakkav`ef shrasy rsaz`ih~ oe azhsz`hv aj ygh o~~hykhzhk~ aj D`~~`~~`rr`oe~ oei cs`hj ih~ns`ry`ae~ aj gav y~g`fg na~y rsaixny~ vasm e D`~~`~~`rr`% Ygh shrasynaenkxih~ v`yg o ~hs`h~ aj nadrshghe~`zhshnaddheioy`ae~ ya jon`k`yoyh o~~hy cx`ki`ef+ sh`fe`ef ena~y~ aj g`fg na~y j`eoen`ok rsaixny~+ rsaday`efsh~rae~`ckh okyhseoy`zh~ oei hdravhs`ef ei`z`ixok~ v`ygygh yaak~ ya domh ~axei j`eoen`ok ihn`~`ae~%

Shrasy J`ei`ef~ D`~~`~~`rr` O~~hy Khzhk~oei Coem`ef Rsaj`kh~

Ygh ozhsofh ehy vasyg aj gax~hgaki~ eoy`aeokkp ~)77+72> nadroshi ya )82+6:8 e D`~~`~~`rr`=

D`~~`~~`rr oe~ gozh o g`fg soyh aj o~~hy razhsyp ygh eoc`k`yp ya ~x~yo`e o gax~hgaki jas oy kho~yygshh daeyg~ v`ygaxy oep oii`y`aeok enadh=

O~~hy razhsyp soyh~ osh g`fgh~y odaef gax~hgaki~v`yg kavhs enadh~=

^`wyhhe rhsnhey '?:( aj D`~~`~~`rr`~ gax~hgaki~osh xecoemhi nadroshi ya 6%6( eoy`aev`ih=

Kav$ enadh gax~hgaki~ osh dash k`mhkp ya ch

xecoemhi=

Shrasy J`ei`ef~ G`fg Na~y J`eoen`ok^hsz`nh~

Nghnm No~ghs~ osh da~y g`fgkp naenheysoyhi e kav$oei daihsoyh$`enadh osho~=

Hzhe ojyhs shnhey ngoefh~ doih ya D`~~`~~`rr ~ropiop khei`ef kov+ D`~~`~~`rr`oe~ ~y`kk rop dash ejhh~ jas ygh rsaixny ygoe e oep ayghs axygho~yhse~yoyh=

Shey$ya$Ave ~yash~ osh dash g`fgkp naenheysoyhi`e kav$ oei daihsoyh$`enadh osho~=

Shrasy Shnaddheioy`ae~

Cx`ki`ef O~~hy~ Hegoenh enhey`zh~ oei onnaxeyoc`k yp odaef

coem~ ygoy ajjhs sh~rae~`ckh okyhseoy`zh~ oei hefo`e o~~hy cx`ki`ef oei naddxe`yp ihzhkardheyony`z`yp odaef kav$`enadh naddxe`y`h~=

Oiary o ~yoyh Hosehi @enadh Yow Nshi`y ya domhvasm rop oei ensho~h yomh gadh rop jasD`~~`~~`rr`~ kav$`enadh jod`k`h~=

Hwroei jxei`ef arrasyxe`y h~ jas @ei`z`ixokIhzhkardhey Onnaxey~ doynghi ~oz`ef~ onnaxjas kav$`enadh rarxkoy`ae~ ya rxs~xhgadhavehs~g`r+ ra~y ~hnaeiosp hixnoy`ae asheyshrshehxs~g`r=

@ensho~`ef Okyhseoy`zh~ @ensho~h ygh exdchs aj Coem Ae e y`oy`zh~ e yg

~yoyh vghsh coem~ nadh yafhyghs e naddxe`y`h~ajjhs sh~rae~`ckh okyhseoy`zh~ ya g`fg na~y j`eoen`o~hsz`nh~=

Rsadayh nshi`y xe`ae okyhseoy`zh~ vghsh yghp hw`^ysaefhs Nae~xdhs Rsayhny`ae~ Heony khf ~koy`ae ya ysonm ygh drkhdheyoy ae aj

ehv ropiop khei`ef kov ygsaxfg o ~yoyhv`ihioyoco~h=

@e ygh ~gasy yhsd+ isar ropiop khei`ef jhh~ ya shjjhh~ e ayghs ~axyghse ~yoyh~ ~xng o~ Yheeh~~hh=

@e ygh kaef yhsd+ dazh ropiop khei`ef ORS ya yg>:( x~xsp nor=

J`eoen`ok Hixnoy`ae Hwroei ygh azhsokk nxss`nxkxd e M$?3 ~ngaak~ ya

`enkxih j`eoen`ok hixnoy`ae oy okk khzhk~= Hwroei rosyehs~g`r~ ya rsadayh j eoen`ok hixnoy

odaef oixky~%Ygh nadrshghe~`zh ~hy aj shnaddheioy`ae~ yomh~ yghkaef z`hv ygoy D`~~`~~`rr`~ coem~ oei nshi`y xe`ae~+ yshfxkoyasp hez`saedhey+ y~ ~ngaak~ oei y~ rharkh dx~vasm yafhyghs ya nshoyh oe hez`saedhey ygoy ~ naeixnya cx`ki`ef o~~hy~ h~rhn`okkp odaef y~ kav$`enadhsh~`ihey~% Cp rxkk`ef ygh~h i zhs~h ~hnyas~ yafhyghs+

D`~~`~~`rr`~ vasm`ef jod`k`h~ oei ygh`s ng`kishe v`kk chchyyhs ra~`y`aehi ya rsa~rhs e yg`~ fhehsoy`ae oei yghehwy%

O g`fghs rhsnheyofh aj D`~~`~~`rr`oe~ konm o nghnm`ef as ~oz`ef~ onnaxeyygoe oepvghsh hk~h e ygh naxeysp%

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Aeh aj ygh ajyhe azhskaamhi ~ysoyhf`h~ jas ngokkhef`ef ygh

kaef$~yoei`ef fs`r aj razhsyp e D`~~`~~`rr` enkxih~~xrrasy jas rak`n`h~ ygoy rsadayh oei rsayhny yghonnxdxkoy`ae aj o~~hy~ odaef ygh ~yoyh~ vasm`ef jod`k`h~%O~~hy~ okkav jod`k`h~ ya ozhsy j`eoen`ok i`~o~yhs jakkav`efoe hdhsfhenp+ ya rxs~xh ygh ~yoc`k`yp aj gadhavehs~g`r+as ya ensho~h jxyxsh hose`ef~ aj ygh ehwy fhehsoy`aeygsaxfg o nakkhfh hixnoy`ae% Ae ygh ayghs goei+ yghoc~henh aj o~~hy~ as ~oz`ef~ noe khozh jod`k`h~ e ~`yxoy`ae~vghsh yghp ehhi ya shkp ae g`fg$na~y okyhseoy`zh j`eoen`ok~hsz`nh~%

Oc~hey oe eghs`yoenh+ cx`ki`ef o~~hy~ shqx`sh~ oe`enadh+ o co~`n xeihs~yoei`ef aj rhs~aeok j`eoenh oei o

zhg`nkh ya ~ozh% Eayockp+ D`~~`~~`rr` go~ o g`fgrshzokhenh aj kav$vofh vasm hwonhscoy`ef yghngokkhefh aj ~oz`ef%

?Ygsaxfg ygh s`fgy d`w aj vasmjasnh

~xrrasy~ oei ihzhkardhey+ j`eoen`ok hixnoy`ae!yso`e`efoei yow rak`np+ D`~~`~~`rr` go~ ygh arrasyxe`yp ya ensho~hygh odaxey aj daehp ygoy vasm`ef jod`k`h~ yomh gadhoei ya hqx`r yghd v`yg ygh yaak~ ya cx`ki vhokyg oeiygh`s naddxe`y`h~ cp ~yshefyghe`ef ygh yow co~h%

Oy ygh ~odh y`dh+ o ~ysoyhfp ya rsadayh o~~hyihzhkardhey dx~y ok~a ch cxyysh~~hi cp hjjasy~ ya rsayhnyo~~hy onnxdxkoy`ae% Ihra~`yasp `e~y`yxy`ae~+ ~xng o~nshi`y xe`ae~ oei coem~+ ehhi ya gozh ary`ae~ jas kav$`enadh vasm`ef jod`k h~ ya ~ozh% @e ygh oc~henh ajojjasiockh ary`ae~+ jod`k`h~ shkp ae g`fg$na~y okyhseoy`zhj`eoen`ok ~hsz`nh rsaz`ihs~ ya rop c`kk~ oei naeixnyysoe~ony`ae~% O~ jod`k`h~ rop dash jas j`eoen`ok ~hsz`nh~+kh~~ daehp ~ ozo`kockh ya ~ozh as ya fa yavosi~ yghrxsngo~h aj dash orrshn`ockh o~~hy~ k`mh o gadh as~hei`ef ng`kishe ya nakkhfh%

Yg`~ shrasy enkxih~ ygshh do`e ~hny`ae~% J`s~y+ ygh shrasyrsaz`ih~ oe azhsz`hv aj o~~hy khzhk~ oei coem`ef rsaj`kh~`e D`~~`~~`rr`% @y yghe fah~ ae ya hwod`eh ygh x~h oeirs`n`ef aj o soefh aj okyhseoy`zh j`eoen`ok ~hsz`nh~ 'OJ^%

Ygh~h enkxih nghnm no~ghs~+ ropiop kheihs~+ y`ykh kheihs~oei shey$ya$ave ~yash~% J`eokkp+ ygh shrasy kaam~ oy osoefh aj rsad`~`ef rsony`nh~ ygoy cayg rsadayh oeirsayhny o~~hy ihzhkardhey osaxei ygh naxeysp% Jsadygh~h rsony`nh~+ ~hzhsok shnaddheioy`ae~ osh rsh~heyhijas cx`ki`ef o~~hy ihzhkardhey arrasyxe`y`h~ eD`~~`~~`rr`% Ygh dhygaiakafp x~hi ya nshoyh yg`~ shrasynoe ch jaxei e ygh orrhei`w%

@ E Y S A I X N Y @ A E

^xrrasy`ef rak n`h~ ygoy rsadayh oei rsayhny ygh onnxdxkoy`ae aj o~~hy~odaef ygh ~yoyh~ vasm`ef jod k h~%

3

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D`~~`~~`rr` O~~hy Khzhk~O~~hy khzhk~ e D`~~`~~`rr` oshkavhs ygoe e da~y ayghs~yoyh~% Ygh dhi`oe ehy vasygaj gax~hgaki~ onsa~~ yghnaxeysp ~ )77+72> nadroshiya )82+6:8 e D`~~`~~`rr`%Ygh ehy vasyg aj D`~~`~~`rr`gax~hgaki~ ~ g`fghs ygoe ej`zh ~yoyh~ oei kavhs ygoe e99 ~yoyh~% Odaef ygh ~yoyh~ygoy casihs D`~~`~~`rr`+ aekpKax`~`oeo~ ehy vasyg

exdchs~ osh kavhs oy )98+:62%

Oeayghs vop ya hwod`eho~~hy khzhk~ e o ~yoyh ~ ya kaamoy o ~yoyh~ khzhk aj o~~hy razhsyp% @j o gax~hgaki iah~ eaygozh ygh ehy vasyg ya ~x~yo`e y~hkj oy as ocazh ygh jhihsokrazhsyp khzhk jas ygshh daeyg~ v`ygaxy oep oii`y`aeok`enadh+ `y `~ nae~`ihshi o~~hy$raas% D`~~`~~`rr ~ o~~hyrazhsyp soyh `~ 3>%7( ~k`fgykp g`fghs ygoe ygh eoy`aeokozhsofh aj 33%8(%

O~~hy razhsyp `~ eay hzhekp i`~ys`cxyhi% Odaef d`eas`ypghoihi gax~hgaki~+ ~`efkh roshey~+ sheyhs~ oei kav$`enadh ghoihi gax~hgaki~+ o~~hy razhsyp soyh~ osh g`fghsygoe vg`yh+ doss`hi yva$roshey gax~hgaki~+ gadhavehs~oei yga~h v`yg g`fg `enadh~% Gax~hgaki~ v`yg kavhixnoy`aeok oyyo`edhey osh ok~a k`mhkp ya gozh g`fghssoyh~ aj o~~hy razhsyp ygoe gax~hgaki~ v`yg conghkas~ asoizoenhi ihfshh~% Ngosy ? `kkx~ysoyh~ ygh i`~rosoyh soyh~aj o~~hy razhsyp cp enadh%

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sh~xky~ e ygh ka~~ aj daeygkp enadh%

Coem`ef ^yoyx~ ygh XecoemhiD`~~`~~`rr` ~ ygh ~yoyh v`yg ygh g`fgh~y rhsnheyofh aj ygrarxkoy`ae ygoy iah~ eay gozh o nghnm`ef as ~oz`ef~onnaxey% Orrsaw`doyhkp ?:(+ as ?79+222 gax~hgaki~osh xecoemhi%

>Yg`~ nadrosh~ ya 6%6( aj ygh rarxkoy`

eoy`aev`ih% @e ygh oc~henh aj o coem onnaxey+ doep aygh gax~hgaki~ konm o ns`y`nok yaak o ~oz`ef~ onnaxey ya rshrosh jas oe hdhsfhenp%

Ygh dhi`oe ehy vasyg aj gax~hgaki~ onsa~~ ygh naxeysp ~ )77+72>nadroshi ya )82+6:8 e D`~~`~~`rr`%

Vgoy @~ Ehy Vasyg1Oe `ei`z`ixok~ ehy vasyg `~

ihyhsd`ehi cp oii`ef xrhzhspyg`ef ygoy gh as ~gh

ave~ 'o~~hy~ oei~xcysony`ef jsad `y vgoy

gh as ~gh avh~ ya nshi`yas~'k`oc`k`y`h~%

~hy~ K`oc k y`h~ 4 Ehy Vasyg

Hwodrkh~ aj o~~hy~ `enkxih+72?)99+722

)99+72?):7+722

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O^ ^ H Y KH Z H K ^ O E I CO E M @E F RS A J @ K H ^

Eay ~xsrs`~`efkp+ doep aj ygh gax~hgaki~ ygoy osh dashk`mhkp ya ch o~~hy$raas osh kh~~ k`mhkp ya gozh o coemonnaxey% Ngosy 3 ~gav~ gax~hgaki~ v`yg ygh kavh~y`enadh~+ yga~h chkav )>2+222+ osh ygh da~y k`mhkp ya chxecoemhi% Okda~y gokj+ 99(+ aj gax~hgaki~ v`yg

`enadh~ aj kh~~ ygoe )?8+222 osh xecoemhi+ oei aeh$j`jygaj gax~hgaki~ v`yg enadh~ chyvhhe )?8+222 oei)>2+222 osh xecoemhi%

O shz`hv aj ayghs ngosonyhs`~y`n~ aj ygh xecoemhi ~gavhiygoy >>%:( aj ckonm gax~hgaki~ e D`~~`~~`rr` vhshxecoemhi nadroshi ya 8%7( aj vg`yh gax~hgaki~% @y ok~ajaxei ygoy 6%9( aj gax~hgaki~ v`yg o doss`hi naxrkhvhsh xecoemhi nadroshi ya >?%9( aj ~`efkh$jhdokh$ghoihi gax~hgaki~% Gadhavehs~ vhsh kh~~ k`mhkp ya chxecoemhi ygoe eae$gadhavehs~% J`eokkp+ aekp ?%:( aj

gax~hgaki~ ghoihi cp ~adhaeh v`yg o nakkhfh ihfshhvhsh xecoemhi% @e naeyso~y+ >6%6( aj gax~hgaki~ghoihi cp ~adhaeh v`ygaxy o g`fg ~ngaak ihfshh i`i eaygozh o ~oz`ef~ as nghnm`ef onnaxey%

Onsa~~ ygh naxeysp+ ygh da~y n`yhi sho~ae~ jas ch`efxecoemhi enkxih eay goz`ef heaxfg daehp ya ehhi oeonnaxey+ eay ehhi`ef as voey`ef oe onnaxey!eay ~hh`efygh zokxh+ eay vs`y`ef heaxfg nghnm~ oei chk`hz`efd`e`dxd cokoenh shqx`shdhey~ osh yaa g`fg%

Coem`ef ^yoyx~ ygh XeihscoemhiOeayghs 38(+ as 373+222 D`~~`~~`rr`

gax~hgaki~+ gozh o coem onnaxey cxy oshnko~~`j`hi o~ xeihscoemhi% Xeihscoemhigax~hgaki~ gozh o nghnm`ef as ~oz`ef~ onnaxey+cxy shkp ae okyhseoy`zh j`eoen`ok ~hsz`nh 'OJ^rsaz`ihs~% OJ^ `enkxih eae$coem daehp asihs~+eae$coem nghnm$no~g`ef ~hsz`nh~+ ropiop kaoe~+shey$ya$ave ofshhdhey~+ as rove~gar~%Yghxeihscoemhi x~h OJ^ ~hsz`nh~ oy kho~y aenh as

yv`nh o phos as shjxei oey`n`roy`ae kaoe~ oy kho~y aenhixs`ef o j`zh phos rhs`ai%

Ygh g`fg soyh aj gax~hgaki~ x~`ef OJ^ e D`~~`~~`rr`so`~h~ naenhse+ o~ OJ^ na~y dash ygoe ysoi`y`aeok

coem`ef ysoe~ony`ae~% O~ dash daehp `~ ~rhey ae OJ^kh~~ daehp ~ khjy jas jod`k`h~ ya ~ozh oei cx`ki o~~hy~%

Gax~hgaki~ ghoihi cp ~`efkh dayghs~ oeieae$gadhavehs~ hwg`c`y g`fghs soyh~ ajch`ef xeihscoemhi ygoe doss`hi gax~hgaoei gadhavehs~% Yg`syp$ygshh rhsnhey'>>%3( aj ckonm gax~hgaki~ oshxeihscoemhi nadroshi ya aekp 3>%8( ajvg`yh gax~hgaki~% @eyhsh~y`efkp+ yghk`mhk`gaai aj ch`ef xeihscoemhi iah~ eayzosp cp enadh o~ iso~y`nokkp o~ y iah~ jasxecoemhi gax~hgaki~ hose`ef kh~~ ygoe)68+222%

Vg`kh xeihscoemhi gax~hgaki~ ygoy shkp aOJ^ ya naeixny j`eoen`ok ysoe~ony`ae~ shri`jjhshey sho~ae~ jas x~`ef zos`ax~ rsaixny~

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8/3/2019 Making Mississippi Competitive- Solutions for Building Assets in Low-Wealth Communities

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8/3/2019 Making Mississippi Competitive- Solutions for Building Assets in Low-Wealth Communities

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Azhs ygh ko~y ~hzhsok phos~+ dxky`rkh @IO `e`y`oy`zh~ jxeihiv`yg cayg rs`zoyh$~hnyas oei jhihsok sh~axsnh~ gozh yomhegaki `e ygh D`i ^axyg% Ygh Jaxeioy`ae jas ygh D`i ^axyggo~ yomhe oe ony`zh sakh `e jon`k`yoy`ef ygh shf`aeokihzhkardhey aj ygh ~ysoyhfp+ fsav`ef ygh exdchs aj

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Daz`ef jasvosi+sh~axsnh nae~yso`ey~ shdo`e aeh aj ygh c`ffh~y ac~yonkh~ jascs`ef`ef @IO~ ya ~nokh%

Aeh ~ysoyhfp x~hi `e ayghs ~yoyh~ `enkxih~ ihi`noy`ef orasy`ae aj ygh Yhdrasosp O~~`~yoenh jas Ehhip Jod`k`h~'YOEJ jxei~ jas @IO~% D`~~`~~`rr naxki jakkav yg`~rsony`nh cp x~`ef o rasy`ae aj y~ YOEJ okkanoy`ae jas ygh`drkhdheyoyaeaj @IO~ ya cx`ki o~~hy~ odaef ~adh aj ygh~yoyh~ jod`k`h~ v`yg ygh kavh~y `enadh~%

^yoyh Hosehi @enadh Yow Nshi`y

Doep gax~hgaki~ `e D`~~`~~`rr ~`drkp ia eay hose heaxfgya domh hei~ dhhy% @e jony+ ehoskp aeh axy aj ygshhgax~hgaki~ iah~ eay hose heaxfg ya hw`~y v`ygaxy oeprxck`n as rs`zoyh o~~`~yoenh%

?3Aeh ~ysoyhfp ya dazh kav$

`enadh vasm`ef jod`k`h~ ovop jsad rop`ef dash jasj`eoen`ok ~hsz`nh~ `enkxih~ rxyy`ef daehp conm `eya ygh`sranmhy~ ygsaxfg yow shjasd%

Yvheyp$jaxs ~yoyh~+ enkxi`ef Kax`~`oeo+ eav rsaz`ih o~yoyh Hosehi @enadh Yow Nshi`y 'H@YN% Ygh nshi`y+vg`ng `~ `e da~y `e~yoenh~ shjxeiockh+ f`zh~ kav$`enadhvasm`ef jod`k`h~ o vofh ~xrrkhdhey% Cp ch`ef shjxeiockh+`j ygh odaxey aj ygh nshi`y `~ dash ygoe yowh~ avhi+ yghi`jjhshenh `~ shjxeihi ya ygh yowrophs% ^yoyh H@YN~ aekp faya vasm`ef jod`k`h~ ygoy ia eay hose heaxfg ya ~x~yo`e

ygh`s gax~hgaki~% Ygh nshi`y `~ ho~`kp oid`e`~yhshi cp yp`efygh ~yoyh nshi`y ya ygh jhihsok H@YN%

@e D`~~`~~`rr + o ~yoyh H@YN vaxki rsaz`ih o vofh~xrrkhdhey jas dash ygoe >::+222 vasm`ef jod`k`h~ k`z`ef`e as ehos razhsyp% O nshi`y ~hy oy 8( aj ygh jhihsok nshi`yvaxki na~y orrsaw`doyhkp )93 d`kk`ae%

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D`~~`~~`rr ~ yow ~p~yhd `~ shfsh~~`zh oei shk`h~ ghoz`kp ae~okh~ yowh~ oei o ehoskp jkoy `enadh yow ya jxei ~yoyh~hsz`nh~% Shfsh~~`zh yowh~ dhoe ygoy kav$`enadh jod`k`h~rop o g`fghs rhsnheyofh aj ygh`s `enadh ae yowh~ ygoeg`fg$`enadh jod`k`h~% O ~yoyh H@YN vaxki eay aekprsaz`ih o vofh ~xrrkhdhey ya D`~~`~~`rr ~ kav$`enadhvasm`ef jod`k`h~+ cxy `y vaxki ok~a domh ygh ~p~yhd jo`shsoei nshoyh oe arrasyxe`yp jas o~~hy ihzhkardhey%

@ensho~`ef Okyhseoy`zh~Aeh aj ygh ns`y`n`~d~ ajyhe khz`hi oy nae~xdhs rsayhny`aehjjasy~ ya shixnh ygh rs`nh aj g`fg$na~y j`eoen`ok ~hsz`nh~ `ygh oc~henh aj okyhseoy`zh~% Gavhzhs+ cayg coem~ oeinshi`y xe`ae~ gozh chhe hefof`ef `e hjjasy~ ya domh ehv

rsaixny~ ozo`kockh jas g`~yas`nokkp xeihs~hszhi rarxkoy`aeXky`doyhkp+ `j okyhseoy`zh rsaixny~ osh ozo`kockh oy ~nokockhzhk~+ kav$`enadh jod`k`h~ v`kk gozh dash ary`ae~ozo`kockh vghe ihn`i`ef vghsh ya naeixny j`eoen`okysoe~ony`ae~% O~ vasm`ef jod`k`h~ dazh dash yavosi~ysoi`y`aeok ngoeehk~ doih oy coem~ oei nshi`y xe`ae~+jod`k`h~ v`kk ~ozh dash oei shkp kh~~ ae ropiop kheihs~+ y`kheihs~ oei ayghs g`fg$na~y ary`ae~ ya domh `y ygsaxfg ydaeyg%

Coem Ae

Coem Ae hjjasy~ osh nxssheykp ch`ef ihzhkarhi `eC`sd`efgod oei Dhdrg`~% ^oe Jsoen`~na vo~ ygh j`s~y

n`yp ya ~rae~as o Coem Ae @e`y`oy`zh% Ygh hjjasy ~yosyhi 3228 vghe Dopas Foz`e Ehv~ad oei Ysho~xshs La~hN`~ehsa~ ngokkhefhi j`eoen`ok `e~y`yxy`ae~ ya shdazhcoss`hs~ ygoy gozh mhry ygh xecoemhi axy aj ygh j`eoen`odo`e~yshod% Ygh `e`y`oy`zh go~ jaxs faok~< ? ngoefh corsaixny~ oei rak`n`h~ ya `ensho~h ygh ~xrrkp aj ~yosyhsonnaxey ary`ae~+ 3 so`~h ovosheh~~ odaef nae~xdhs~ocaxy ygh chehj`y~ aj onnaxey avehs~g`r+ > rsaz`ihnae~xdhs~ v`yg ygh arrasyxe`yp ya arhe kav$na~y+ ~yosyhcoem onnaxey~+ oei 9 ajjhs j`eoen`ok hixnoy`ae%

@e Coem Ae `e`y`oy`zh~ osaxei ygh naxeysp+ ygh JhihsokSh~hszh Coem ~ o mhp rosyehs+ oei kanok eaersaj`y

asfoe`|oy`ae~ ok~a la`e ygh hjjasy ya rsaz`ih o soefh aj `e$rhs~ae oei aek`eh yso`e`ef arrasyxe`y`h~ shkoyhi yacxifhy`ef oei j`eoen`ok rkoee`ef+ gadh$avehs~g`r oeisxee`ef o ~dokk cx~`eh~~% Oy ygh hei aj ygh yva$phos r`karhs`ai `e Ihnhdchs 3227+ o yayok aj >?+>96 onnaxey~ goichhe arhehi+ oei 72(+ as 39+6?9 aj yghd+ shdo`ehi arhYgh ozhsofh cokoenh `e ygh onnaxey~ vo~ )072% ^oz`ef~jhh~ eay ro`i cp nae~xdhs~ vo~ h~y`doyhi oy okda~y )32d`kk`ae%

?9

@e 32?2+ ~hzhsok kanok oei shf`aeok coem~ la`ehi eaersajoei jo`yg khoihs~ ya shjasd D`~~`~~`rr ~ ropiop khei`efkov~% F`zhe ygh shkoy`ae~g`r~ ygoy gozh chhe h~yock`~ghiygsaxfgaxy ygh rsanh~~+ ygh coem`ef rosyehs~ ~gaxkihwrkash oei `drkhdhey Coem Ae `e`y`oy`zh~ `e ygh kosfhsdosmhy~ aj ygh ~yoyh% Cp `ensho~`ef ygh exdchs ajojjasiockh coem`ef ary`ae~ v`yg`e ygh rs`zoyh ~hnyas+nae~xdhs~ vaxki gozh ovosheh~~ oei onnh~~ ya ojjasiockokyhseoy`zh~ ya g`fg$na~y j`eoen`ok ~hsz`nh~ oy o khzhk aj ~nehzhs chjash henaxeyhshi `e D`~~`~~`rr %

RSAD@^@EF RSONY@NH^ ! SHNADDHEIOY@AE

8/3/2019 Making Mississippi Competitive- Solutions for Building Assets in Low-Wealth Communities

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Nshi`y Xe`ae Okyhseoy`zh~

@e oii`y`ae ya coem`ef okyhseoy`zh~+nshi`y xe`ae~ ok~a ajjhs okyhseoy`zh~ yag`fg$na~y j`eoen`ok ~hsz`nh~% YghD`~~`~~`rr Nshi`y Xe`ae Khofxh

`ihey`j`hi ?: nshi`y xe`ae~ v`yg o yayokaj 90 csoengh~ ygoy ajjhs okyhseoy`zh~ yaropiop kheihs~% Xek`mh coem~+ nshi`yxe`ae~ osh na$arhsoy`zh~ ygoy oshdhdchs$avehi% O~ ~xng+ nshi`y xe`ae~sh~raei ya ygh ehhi~ so`~hi cp ygh j`hkiaj dhdchs~g`r%

Nshi`y xe`ae~ okk azhs ygh ~yoyh rsaz`ihrsaixny~ ygoy na~y kh~~ ygoe ropiopkaoe~+ nae~xdhs kaoe~ ygoy okkavdhdchs~ ya rxsngo~h orrk`oenh~ oyojjasiockh soyh~+ oei ayghs yprh~ aj

rsaixny~ ya henaxsofh oei `enhey yghh~yock`~g`ef aj oe hdhsfhenp jxei oeiygh cx`ki`ef aj o~~hy~% Daz`ef jasvosi+nshi`y xe`ae~ oei ygh D`~~`~~`rr Nshi`yXe`ae Khofxh ~gaxki vasm yafhyghs yarsadayh okk nshi`y xe`ae~ ygoy rsaz`ihokyhseoy`zh~ ya g`fg$na~y j`eoen`ok~hsz`nh~%Cp vasm`ef yafhyghs+ kh~~ sh~axsnhinshi`y xe`ae~ vaxki chehj`y jsad okosfhs ~nokh dosmhy`ef hjjasy ygoy`ensho~h~ ovosheh~~ oei onnh~~ yaojjasiockh okyhseoy`zh~%

Nae~xdhs Rsayhny`ae~O~ dhey aehi hosk hs e ygh shrasy+D ~~ ~~ rr ~ ropiop khei`ef kov vo~ngoefhi e 32??% Xeihs ygh ehv kov+g`fg jhh~ rhs~ ~y% @e jony+ ae kosfhs

odaxey~ cassavhi+ D ~~ ~~ rr shdo`e~ ygh da~y hwrhe~ zh~yoyh e ygh shf`ae e vg`ng ya yomh axy o ropiop kaoe%^hzhsok naxs~h~ aj ony ae ~gaxki ch yomhe ya drsazh ygh na~y~ysxnyxsh aj ropiop kaoe~ e D ~~ ~~ rr % @e ygh ~gasy yhsd+D ~~ ~~ rr ~gaxki drkhdhey o ~yoyhv`ih ioyoco~h ya ysonmygh ehv kov~ drkhdheyoy ae oei ya gaki kheihs~onnaxeyockh jas jakkav`ef ygh kov%% Nxssheykp+ ygh ~yoyh

Ihrosydhey aj Coem`ef oei Nae~xdhs J`eoenh iah~ eaygozh ygh noroc k yp ya ysonm gav doep cassavhs~ osh yom`efaxy kosfhs kaoe~ v yg kaefhs shropdhey yhsd~ as ~dokkhs kaoe~v yg kavhs jhh~% Ygh Ihrosydhey ok~a iah~ eay gozh yghnoroc k yp ya ysonm ygh exdchs aj kaoe~ oe ei`z`ixok yomh~axy ae oe oeexok co~ ~% Yg ~ `ejasdoy ae ~ ns y nok jas`ejasd`ef rak np shjasd hjjasy~ chjash ygh kov ~xe~hy~ e 32?8%

O~ dhey`aehi `e ygh shrasy ~adh ropiop kaoe jhh~ v`kkshdo`e ygh g`fgh~y `e ygh ~axygho~y hzhe ojyhs yghheonydhey aj ygh ehv kov% D`~~`~~`rr naxki chf`e yaoiish~~ ygh g`fg jhh~ cp oiary`ef o jhh ~ysxnyxsh ~`d`kos yaYheeh~~hh%

Kaefhs yhsd+ D`~~`~~`rr ~gaxki k`d`y ygh ORS ae ropiokaoe~ ya >:(+ ygh ~odh ORS okkavhi xeihs ygh x~xsp nojas kaoe~ doih cp coem~ oei nshi`y xe`ae~% Okyhseoy`zh~hw`~y+ oei `e ygh ayghs ~yoyh~ vghsh ropiop khei`ef go~h`yghs chhe doih `kkhfok as csaxfgy xeihs x~xsp nor kov~

`enkxi`ef ygh ^axyghse ~yoyh~ aj Osmoe~o~+ Fhasf`o oeiEasyg Nosak`eo nae~xdhs~ gozh jaxei ayghs vop~ yaeoz`foyh ygh`s j`eoen`ok ~`yxoy`ae~% @e yga~h ~yoyh~ vghshnor~ gozh chhe rxy `e rkonh+ nae~xdhs~ gozh ~ozhi o yayaj )?%8 c`kk`ae e jhh~ yghp vaxki gozh ro`i ya ropiopkheihs~%

?8

Hegoen`ef Onnh~~ ya J`eoen`ok Hixnoy`aeOeayghs ns`y`nok nadraehey aj cx`ki`ef o~~hy~ oeishixn`ef na~y~ `enkxih~ hwroei`ef ary`ae~ jas `ensho~`efaeh~ j`eoen`ok hixnoy`ae%

Ehoskp o qxosyhs aj D`~~`~~`rr`oe~ ~rhei dash ygoe yghphose oei yva$yg`si~ konm o so`ep iop jxei ya nazhs hwrhejas oy kho~y ygshh daeyg~ `e no~h aj o j`eoen`ok hdhsfhenp

Aeh sho~ae jas ~rhei`ef dash ygoe aeh hose~ `enkxih~ okonm aj xeihs~yoei`ef osaxei cxifhy`ef+ ~oz`ef+ nshi`y oeno~g jkav% J`eoen`ok hixnoy`ae for~ hw`~y odaef okk `enafsaxr~+ gavhzhs+ kav$ oei daihsoyh `enadh jod`k`h~ oshdash zxkehsockh ygoe g`fghs `enadh jod`k`h~ ya ygh ~`ihhjjhny~ aj j`eoen`ok d`~doeofhdhey% O~ ~hhe `e ygh shrakav$`enadh jod`k`h~ osh kh~~ k`mhkp ya ch naeehnyhi ya oysoi`y`aeok j`eoen`ok `e~y`yxy`ae oei ygh j`eoen`ok hixnoy`sh~axsnh~ doih ozo`kockh cp coem~ oei nshi`y xe`ae~% Vo konm aj xeihs~yoei`ef ocaxy j`eoen`ok rkoee`ef ~m`kk+ ygnaej`ihenh oei ehyvasm~ osh eay yghsh jas kav `enadh

gax~hgaki~ ya naeyony j`eoen`ok rkoeehs~ jas ghkr%

Ya oiish~~ ygh for oei ygh ehfoy`zh axynadh~ o~~an`oyhiv`yg o kav j`eoen`ok nadrhyhenh+ D`~~`~~`rr ~ ~ngaak~~gaxki naey`exh ya `eyhfsoyh rhs~aeok j`eoenh `eya yghazhsokk nxss`nxkxd oy okk khzhk~ aj hixnoy`ae% Ygh ~ysoyhfv`kk shqx`sh ygh yso`e`ef aj yhonghs~ oei ygh ihzhkardheaj doyhs`ok~ oei sh~axsnh~ ya nazhs ygh na~y~% Cp`drkhdhey`ef o ~ngaak co~hi orrsaong ya yhong`efrhs~aeok j`eoenh+ D`~~`~~`rr noe hqx`r `y~ paxef rharkhv`yg ygh vghshv`ygok ya cxifhy oei ~ozh oei xky`doyhkp domh `ejasdhi nga`nh~ ocaxy j`eoen`ok rsaixny~ o~ oixky

Odaef oixky~+ oii`y`aeok rosyehs~g`r~ osh ehhihi chyvhcoem~ oei nshi`y xe`ae~ oei ~ngaak~+ ngxsngh~ oeieaersaj`y~ ya yhong oei `drkhdhey ygh naenhry~ aj co~`nj`eoen`ok hixnoy`ae% Cp dom`ef dash rsafsod~ ozo`kockoixky~ v`kk ch `e ra~`y`ae ya `drsazh ygh`s ave ~`yxoy`ae+ro~~ ae ~axei goc`y~ ya ygh`s ng`kishe oei xky`doyhkp heyygh j`eoen`ok do`e~yshod vghsh aeh noe ~ozh ae rsaixnyoei cx`ki vhokyg%

RSAD@^@EF RSONY@NH^ ! SHNADDHEIOY@AE

?2

Nshi`y Xe`ae~ @e Ony`aeGarh Jhihsok Nshi`y Xe`ae+ 'GARH onshi`y xe`ae v`yg ygh d`~~`ae ya ~yshefyghe

naddxe`y`h~+ cx`ki o~~hy~ oei `drsazh k`zh~`e hnaead`nokkp i`~ysh~~hi osho~ aj ygh D`i^axyg cp rsaz`i`ef onnh~~ ya g`fg$qxok`ypj`eoen`ok rsaixny~ oei ~hsz`nh~+ go~ o kaefysonm shnasi aj rsaz`i`ef onnh~~ ya nshi`y yadhdchs~ ygoy gozh chhe g`~yas`nokkpxeihs~hszhi cp ysoi`y`aeok coem`ef`e~y`yxy`ae~%

Aeh aj ygh `ei`z`ixok~ o~~`~yhi cp GARH vo~o ~`efkh dayghs hose`ef orrsaw`doyhkp)36+222 o phos oy o Nao~y No~`ea% Ygh

dayghs goi o nshi`y ~nash aj :?9 oeihwrhs`henhi i`jj`nxkyp doeof`ef ghsj`eoenh~%

^gh j`s~y orrsaonghi GARH jas oeokyhseoy`zh ropiop kaoe+ vg`ng GARH vo~ockh ya rsaz`ih v`yg oe ORS aj ?7(%GARH ok~a vasmhi v`yg ghs ya shcx`ki ghsnshi`y ygsaxfg yva nshi`y$cx`ki`ef kaoe~%

Ojyhs vasm`ef v`yg GARH jas ~hzhsokdaeyg~+ ~gh vo~ ockh ya cassav daehp ya

rxsngo~h jxse`yxsh% ^gh ~ozhi gxeishi~ ajiakkos~ cp vasm`ef v`yg GARH `e~yhoi ajfa`ef ayghs saxyh~ ~xng o~ o shey$ya$ave~yash%

8/3/2019 Making Mississippi Competitive- Solutions for Building Assets in Low-Wealth Communities

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V`yg kav o~~hy khzhk~+ o g`fg rshzokhenh aj kav$vofhvasm oei ~adh aj ygh da~y hwrhe~`zh soyh~ jas okyhseoy`zhj`eoen`ok ~hsz`nh~ e ygh naxeysp+ D`~~`~~`rr`oe~ jonh oexdchs aj ngokkhefh~ e ysp`ef ya dazh xr ygh hnaead`nkoiihs% @e ygh jonh aj yga~h ngokkhefh~+ o exdchs aj

arrasyxe`y`h~ os`~h ya dazh D`~~`~~`rr`oe~ jasvosi%

Cp heony`ef ~ysaefhs nae~xdhs rsayhny`ae~ h~rhn`okkpjas ropiop kaoe~ vasm`ef D`~~`~~`rr`oe~ vaxki eakaefhs ch rop`ef dash ygoe ygh`s eh`fgcas~ e ayghs D`i^axyg ~yoyh~ jas okyhseoy`zh j`eoen`ok ~hsz`nh~% Hwroe~`aeaj rs`zoyh$~hnyas okyhseoy`zh~ vaxki ok~a shixnh yghrsh~henh aj OJ^ e D`~~`~~`rr`~ n`y`h~ oei yave~%Hegoen`ef j`eoen`ok hixnoy`ae v`kk drsazh ovosheh~~oei oc`k`yp ya doeofh ygh enadh hosehi cp vasm`efjod`k`h~%

J`eokkp+ cp rsaz`i`ef ygh yaak~ ya cx`ki o~~hy~ ygsaxfgdoynghi ~oz`ef~ onnaxey~ oei cp dom`ef vasm rop+vasm`ef jod`k`h~ v`kk ch e o ra~`y`ae ya ~ozh+ domh goshosehi iakkos~ fa jxsyghs oei xky`doyhkp dazh chpaeiD`~~`~~`rr`~ g`fg$na~y j`eoen`ok ~hsz`nh hez`saedhey%

NA E NK X ^ @A E

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Orrhei w O Dhygaiakafp@e yg`~ shrasy+ vh gozh x~hi ygshh co~`n jasd~ aj oeokp~`~