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Poll: Neighbors key to coping with disasters

EMILY C. DOOLEY
Associated Press

HOBOKEN, N.J. (AP) — Neighbor helping neighbor. Trust in a community. Looking out for each other.

An Associated Press-NORC Center for Public Affairs Research survey suggests that those factors — collectively termed “social resilience”– have a big impact on how prepared communities feel for disasters such as Superstorm Sandy, and are seen as more valuable in a crisis than even government.

The survey polled more than 1,000 residents in a dozen communities hit by the 2012 hurricane in New York and New Jersey. It found that, regardless of income, residents in areas where people say their neighbors actively seek to fix problems in the neighborhood are three times more likely to say their community is extremely or very prepared for a disaster than people in communities without such social resilience.

Likewise, 37 percent of residents in areas reporting high levels of neighbors helping each other are very or extremely confident their neighborhood would recover quickly from a disaster, compared to 22 percent in areas with lower levels of neighborly cooperation.

The survey also showed residents rely more on neighbors than government. Sixty-nine percent of respondents said they got help from neighbors in recovering from the storm, while 57 percent said local government assisted them and 55 percent cited federal government agencies as helpful. The survey has a margin of sampling error of plus or minus 4.3 percentage points.

Experts say fostering that type of bottom-up help is just as crucial as addressing infrastructure needs and policy makers should take heed.

“Having that level of trust, that preexisting level of trust means you sort of have this reservoir to draw from in times of need,” said the survey’s principal researcher Kathleen Cagney, a University of Chicago sociology professor and director of the Population Research Center at NORC at the University of Chicago. “Money doesn’t buy these informal reservoirs. You need to foster this.”

In Hoboken, New Jersey, where the survey revealed high community trust levels, government officials and residents are focusing on ways to foster social resilience.

The city is launching a pilot program in a public housing development that will designate floor captains on each level to collect information on who is staying during a storm and what medical needs they may have. If successful, Hoboken’s budget includes $25,000 to expand the program to public and senior housing throughout the city.

“People, if they are individually prepared, can also make sure they are individually safe and their communities are safe,” Mayor Dawn Zimmer said.

Hoboken resident Steve Peloquin, who works as a motion picture studio mechanic, has crafted another proposal to model rapid response teams based on how movie crews move in and out of areas. His job routinely entails setting up power, arranging for food and other amenities for crew members, and those same needs can arise during a disaster.

“We’re the guys that figure (problems) out on a moment’s notice,” said Peloquin.

In West Islip on New York’s Long Island, another community found to have high levels of social resilience, health insurance executive Sandra Galian has drawn upon her experiences during Sandy to find more ways for neighbor to help neighbor.

Galian’s home was flooded with three feet of water during the storm, forcing her family to flee. She, her two kids and husband spent 12 weeks living with friends before finding temporary housing. She used her contacts as part of a civic association and created an email chain sharing information and giving updates on recovery resources.

“I felt obligated to my family, friends and neighbors to help as much as I could,” Galian said. “I was faced with a lot of questions and people just not having the right information.”

The AP-NORC survey findings are similar to those of Purdue University professor Daniel Aldrich, who studied 120 coastal communities in Japan struck by the earthquake-generated tsunami in 2011 that killed 18,000 people.

Areas with higher crime rates prior to the tsunami recorded higher death rates than areas with lower crime rates. Survivors reported being saved by people they trusted in their community.

Creating cohesion needn’t be expensive, Aldrich said. Using existing networks — community groups, civic associations, religious authorities — and working to strengthen those or build more is one way to build social resources.

“Social capital is not some random outcome,” he said. “It’s a resource that can be deliberately created.”

___

Emily C. Dooley, a Newsday reporter on leave, is studying community resilience issues, the ability of communities to bounce back from various shocks, as part of a nine-month fellowship at the AP-NORC Center for Public Affairs Research, which joins NORC’s independent research and AP journalism. The fellowship is funded by the Rockefeller Foundation.

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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