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How Many Hours Americans Need to Work to Pay Their Mortgage

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How Many Hours Americans Need to Work to Pay Their Mortgage

How Many Hours Americans Need to Work to Afford a Home

When it comes to the cost of living in cities, a general rule of thumb is that housing prices are much higher in the country’s economic and population hubs, especially in the cities along the coasts.

Particularly in recent years, prices have been pushed sky-high in places like New York City or San Francisco through a combination of limited supply of new homes, increasing demand, shifting demographics, and government regulations.

Putting it Into Perspective

Today’s visualization from HowMuch.net applies a common denominator to compare 97 of the biggest cities in the United States. Using a measure of median household income against the average mortgage payment in each city, we get a gauge of how many hours must be worked each month just to pay down the house.

The visualization uses data from the U.S. Census for household income and Zillow for median home listing price, while calculating mortgage payments based on a standard 30-year term.

The Results

Using the above method to compare the amount of hours it takes to pay down a monthly mortgage, we see some interesting contrasts in the country.

Here are the five most expensive cities in the United States for housing:

RankCityMedian IncomeMedian ListingHours of Work to Pay Mortgage
#1New York City$53,373$798,000113.5
#2Los Angeles$50,205$748,000112.4
#3Miami$31,051$449,000109.4
#4San Francisco$82,294$1,150,000106.7
#5Boston$55,777$699,00094.7

With about 170 hours in a normal work month, the average people in these cities are spending 50% or more of their income just to pay down their mortgages. It’s worst in New York City and Los Angeles, where at least 65% of income is going towards housing.

These cities stand in stark contrast to the five cheapest cities based on hours of work needed:

RankCityMedian IncomeMedian ListingHours of Work to Pay Mortgage
#93Baltimore$42,241$139,00024.9
#94Buffalo$31,918$90,00021.4
#95Cleveland$26,150$70,00020.3
#96Memphis$36,445$88,50018.4
#97Toledo$33,687$74,90016.9

In a city like Memphis, TN it takes only 18.4 hours of work a month to pay down the average mortgage. That’s equal to only about 10% of monthly household income.

Coastal Disparity

Interestingly, even though coastal hubs have high prices relative to the cities in the middle of the country, they differ quite widely against each other. This discrepancy does not necessarily show in terms of ranking, but more in terms of the actual hours of work needed.

RankCityMedian IncomeMedian ListingHours of Work to Pay Mortgage
#1New York City$53,373$798,000113.5
#2Los Angeles$50,205$748,000112.4
#4San Francisco$82,294$1,150,000106.7
#5Boston$55,777$699,00094.7
#10San Jose$84,647$825,00073.5
#12Seattle$70,594$679,00072.8
#24Washington, D.C.$70,848$550,00058.9

Washington, D.C., for example, requires less than half the hours of work to pay down a mortgage than Los Angeles or New York City. Meanwhile, a popular west coast hub like Seattle only needs 72.8 hours in comparison to New York’s 113.5 hours.

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Maps

Mapped: The State of Facial Recognition Around the World

Mass surveillance is becoming the status quo. This map dives into the countries where facial recognition technology is in place, and how it’s used.

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Mapping The State of Facial Recognition Around the World

View the high resolution version of this infographic by clicking here.

From public CCTV cameras to biometric identification systems in airports, facial recognition technology is now common in a growing number of places around the world.

In its most benign form, facial recognition technology is a convenient way to unlock your smartphone. At the state level though, facial recognition is a key component of mass surveillance, and it already touches half the global population on a regular basis.

Today’s visualizations from SurfShark classify 194 countries and regions based on the extent of surveillance.

Facial Recognition StatusTotal Countries
In Use98
Approved, but not implemented12
Considering technology13
No evidence of use68
Banned3

Click here to explore the full research methodology.

Let’s dive into the ways facial recognition technology is used across every region.

North America, Central America, and Caribbean

In the U.S., a 2016 study showed that already half of American adults were captured in some kind of facial recognition network. More recently, the Department of Homeland Security unveiled its “Biometric Exit” plan, which aims to use facial recognition technology on nearly all air travel passengers by 2023, to identify compliance with visa status.

Facial Recognition North America Map

Perhaps surprisingly, 59% of Americans are actually in favor of implementing facial recognition technology, considering it acceptable for use in law enforcement according to a Pew Research survey. Yet, some cities such as San Francisco have pushed to ban surveillance, citing a stand against its potential abuse by the government.

Facial recognition technology can potentially come in handy after a natural disaster. After Hurricane Dorian hit in late summer of 2019, the Bahamas launched a blockchain-based missing persons database “FindMeBahamas” to identify thousands of displaced people.

South America

The majority of facial recognition technology in South America is aimed at cracking down on crime. In fact, it worked in Brazil to capture Interpol’s second-most wanted criminal.

Facial Recognition South America Map

Home to over 209 million, Brazil soon plans to create a biometric database of its citizens. However, some are nervous that this could also serve as a means to prevent dissent against the current political order.

Europe

Belgium and Luxembourg are two of only three governments in the world to officially oppose the use of facial recognition technology.

Facial Recognition Europe Map

Further, 80% of Europeans are not keen on sharing facial data with authorities. Despite such negative sentiment, it’s still in use across 26 European countries to date.

The EU has been a haven for unlawful biometric experimentation and surveillance.

—European Digital Rights (EDRi)

In Russia, authorities have relied on facial recognition technology to check for breaches of quarantine rules by potential COVID-19 carriers. In Moscow alone, there are reportedly over 100,000 facial recognition enabled cameras in operation.

Middle East and Central Asia

Facial recognition technology is widespread in this region, notably for military purposes.

Facial Recognition Middle East and Central Asia Map

In Turkey, 30 domestically-developed kamikaze drones will use AI and facial recognition for border security. Similarly, Israel has a close eye on Palestinian citizens across 27 West Bank checkpoints.

In other parts of the region, police in the UAE have purchased discreet smart glasses that can be used to scan crowds, where positive matches show up on an embedded lens display. Over in Kazakhstan, facial recognition technology could replace public transportation passes entirely.

East Asia and Oceania

In the COVID-19 battle, contact tracing through biometric identification became a common tool to slow the infection rates in countries such as China, South Korea, Taiwan, and Singapore. In some instances, this included the use of facial recognition technology to monitor temperatures as well as spot those without a mask.

Facial Recognition East Asia Oceania Map

That said, questions remain about whether the pandemic panopticon will stop there.

China is often cited as a notorious use case of mass surveillance, and the country has the highest ratio of CCTV cameras to citizens in the world—one for every 12 people. By 2023, China will be the single biggest player in the global facial recognition market. And it’s not just implementing the technology at home–it’s exporting too.

Africa

While the African continent currently has the lowest concentration of facial recognition technology in use, this deficit may not last for long.

Facial Recognition World Map

Several African countries, such as Kenya and Uganda, have received telecommunications and surveillance financing and infrastructure from Chinese companies—Huawei in particular. While the company claims this has enabled regional crime rates to plummet, some activists are wary of the partnership.

Whether you approach facial recognition technology from public and national security lens or from an individual liberty perspective, it’s clear that this kind of surveillance is here to stay.

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History

Incredible Map of Pangea With Modern-Day Borders

Many millions of years ago, the world was one. This nifty map shows this Pangea supercontinent overlaid with modern country borders.

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Incredible Map of Pangea With Modern-Day Borders

As volcanic eruptions and earthquakes occasionally remind us, the earth beneath our feet is constantly on the move.

Continental plates only move around 1-4 inches per year, so we don’t notice the tectonic forces that are continually reshaping the surface of our planet. But on a long enough timeline, those inches add up to big changes in the way landmasses on Earth are configured.

Today’s map, by Massimo Pietrobon, is a look back to when all land on the planet was arranged into a supercontinent called Pangea. Pietrobon’s map is unique in that it overlays the approximate borders of present day countries to help us understand how Pangea broke apart to form the world that we know today.

Pangea: The World As One

Pangea was the latest in a line of supercontinents in Earth’s history.

Pangea began developing over 300 million years ago, eventually making up one-third of the earth’s surface. The remainder of the planet was an enormous ocean known as Panthalassa.

As time goes by, scientists are beginning to piece together more information on the climate and patterns of life on the supercontinent. Similar to parts of Central Asia today, the center of the landmass is thought to have been arid and inhospitable, with temperatures reaching 113ºF (45ºC). The extreme temperatures revealed by climate simulations are supported by the fact that very few fossils are found in the modern day regions that once existed in the middle of Pangea. The strong contrast between the Pangea supercontinent and Panthalassa is believed to have triggered intense cross-equatorial monsoons.

By this unique point in history, plants and animals had spread across the landmass, and animals (such as dinosaurs) were able to wander freely across the entire expanse of Pangea.

Breaking Up is Hard to Do

Around 200 million years ago, magma began to swell up through a weakness in the earth’s crust, creating the volcanic rift zone that would eventually cleave the supercontinent into pieces. Over time, this rift zone would become the Atlantic Ocean. The most visible evidence of this split is in the similar shape of the coastlines of modern-day Brazil and West Africa.

Present-day North America broke away from Europe and Africa, and as the map highlights, Atlantic Canada was once connected to Spain and Morocco.

The concept of plate tectonics is behind some of modern Earth’s most striking features. The Himalayas, for example, were formed after the Indian subcontinent broke off the eastern side of Africa and crashed directly into Asia. Many of the world’s tallest mountains were formed by this process of plate convergence – a process that, as far as we know, is unique to Earth.

What the Very Distant Future Holds

Since the average continent is only moving about 1 foot (0.3m) every decade, it’s unlikely you’ll ever be alive to see an epic geographical revision to the world map.

However, for whatever life exists on Earth roughly 300 million years in the future, they may have front row seats in seeing the emergence of a new supercontinent: Pangea Proxima.

As the above video from the Paleomap Project shows, Pangea Proxima is just one possible supercontinent configuration that occurs in which Australia slams into Indonesia, and North and South America crash into Africa and Antarctica, respectively.

Interestingly, Pangea Proxima could have a massive inland sea, mainly made up of what is the Indian Ocean today. Meanwhile, the other oceans would combine into one superocean that would take up the majority of the Earth’s surface.

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