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The Housing Crisis And The Working Poor
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Book Synopsis The Housing Crisis and the Working Poor by : Casas del Pueblo Community Land Trust
Download or read book The Housing Crisis and the Working Poor written by Casas del Pueblo Community Land Trust and published by . This book was released on 2012 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This paper is about the housing crisis, both the endemic crisis that makes decent affordable housing an unrealizable dream for one-third of all American households, and the housing bubble that burst in 2006 forcing millions of working poor homeowners into foreclosure. It is written from the perspective of the working poor, a perspective that is sorely lacking in the national debate around housing. The information presented is grounded in a thorough review of the academic literature combined with our collective experiences in real life housing foreclosures. Based on calculations by the Federal Reserve Bank of Philadelphia, we develop a simple formula for calculating the bank costs for the foreclosure/eviction/REO liquidation process. We offer a creative alternative that saves banks money while also stabilizing families and neighborhoods - donation of properties to community-based organizations. Finally, we outline a functioning Community Land Trust and we invite financial institutions to discuss collaborations that can improve the bank's bottom line while also keeping families out of poverty"--Executive summary.
Book Synopsis The Housing Crisis and the Working Poor by : Tom Hansen
Download or read book The Housing Crisis and the Working Poor written by Tom Hansen and published by . This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper is about the housing crisis, both the endemic crisis that makes decent affordable housing an unrealizable dream for one-third of all American households, and the housing bubble that burst in 2006 forcing millions of working poor homeowners into foreclosure. It is written from the perspective of the working poor, a perspective that is sorely lacking in the national debate around housing. The information presented is grounded in a thorough review of the academic literature combined with our collective experiences in real life housing foreclosures. Based on calculations by the Federal Reserve Bank of Philadelphia, we develop a simple formula for calculating the bank costs for the foreclosure/eviction/REO liquidation process. We offer a creative alternative that saves banks money while also stabilizing families and neighborhoods -- donation of properties to community-based organizations. Finally, we outline a functioning Community Land Trust and we invite financial institutions to discuss collaborations that can improve the bank's bottom line while also keeping families out of poverty. We draw the following important conclusions: •The working poor, especially people of color, suffered the greatest losses from the current housing crisis, while real estate speculators are the only winners. •The foreclosure/eviction process sentences working poor families to lives of poverty and has negative impacts on entire neighborhoods. •In one-third to one-half of foreclosure cases in low income neighborhoods, banks lose more by proceeding with foreclosure than be simply donating the properties to community groups. In section 4, we outline an alternative to foreclosure -- donation of unprofitable properties to Community Land Trusts. We address several possible concerns about this approach to loss mitigation, and we invite the major financial institutions in the US to discuss with us the donation option as an alternative to foreclosure. This paper is researched and written by members of the Casas del Pueblo Community Land Trust, part of the Centro Autónomo community center located on the north side of Chicago in Albany Park. The Centro Autónomo membership is largely Latino, and Albany Park is a majority Latino neighborhood, though also said to be the third most ethnically diverse neighborhood in the US. The community center is focused on four principal areas that are critical to the lives of working immigrants: education (adult high school, ESL and computer classes, gender workshop), work (women's house-cleaning cooperative), health (community clinic), and housing. Both Casas del Pueblo and the Centro Autónomo are projects of the Mexico-US Solidarity Network, a non-profit 501(c)(3) organization registered in the State of Illinois.
Book Synopsis Paths To Homelessness by : Doug A Timmer
Download or read book Paths To Homelessness written by Doug A Timmer and published by Routledge. This book was released on 2019-06-04 with total page 189 pages. Available in PDF, EPUB and Kindle. Book excerpt: The major theme in this book is that people are homeless because of structural arrangements and trends that result in extreme impoverishment and a shortage of affordable housing in U.S. cities. It explains the economic and historical causes of homelessness with accounts of individuals and families.
Download or read book Shelter Poverty written by Michael Stone and published by Temple University Press. This book was released on 2010-08-12 with total page 438 pages. Available in PDF, EPUB and Kindle. Book excerpt: "...the most original--and profoundly disturbing--work on the critical issue of housing affordability...." --Chester Hartman, President, Poverty and Race Research Action Council In Shelter Poverty, Michael E. Stone presents the definitive discussion of housing and social justice in the United States. Challenging the conventional definition of housing affordability, Stone offers original and powerful insights about the nature, causes, and consequences of the affordability problem and presents creative and detailed proposals for solving a problem that afflicts one-third of this nation. Setting the housing crisis into broad political, economic, and historical contexts, Stone asks: What is shelter poverty? Why does it exist and persist? and How can it be overcome? Describing shelter poverty as the denial of a universal human need, Stone offers a quantitative scale by which to measure it and reflects on the social and economic implications of housing affordability in this country. He argues for "the right to housing" and presents a program for transforming a large proportion of the housing in this country from an expensive commodity into an affordable social entitlement. Employing new concepts of housing ownership, tenure, and finance, he favors social ownership in which market concepts have a useful but subordinate role in the identification of housing preferences and allocation. Stone concludes that political action around shelter poverty will further the goal of achieving a truly just and democratic society that is also equitably and responsibly productive and prosperous.
Book Synopsis Homelessness Is a Housing Problem by : Gregg Colburn
Download or read book Homelessness Is a Housing Problem written by Gregg Colburn and published by Univ of California Press. This book was released on 2022-03-15 with total page 283 pages. Available in PDF, EPUB and Kindle. Book excerpt: Baseline -- Evidence -- Individual -- Landscape -- Market -- Typology -- Response.
Download or read book Poor Housing written by Jim Silver and published by . This book was released on 2015 with total page 242 pages. Available in PDF, EPUB and Kindle. Book excerpt: "There is, in all of Canada, a severe shortage of decent quality housing that is affordable to those with low incomes, and a great deal of inadequate, and often appalling, housing. This has been the case for many decades. The poor condition of their housing adds to the weight of the complex poverty that poor people endure-their health is likely to worsen, their children's education may be adversely affected, their neighbourhoods may be prone to violence. However, the federal government has almost always been ideologically opposed to public investment in low-income housing, moreso now than earlier federal governments. The irony is that the social costs of poor housing and its attendant complex poverty with which it is typically associated are greater than the costs of investing in subsidized, social housing and associated anti-poverty measures. It is long past time that we set in motion the means by which this problem can finally be solved. Poor Housing examines some of the consequences of the dogged persistence of poor housing for low-income people using Winnipeg as a case study, and it looks at some innovative community-based strategies that have been and are being tried in an attempt to solve at least some aspects of the problem."--
Download or read book Sunbelt Blues written by Andrew Ross and published by Metropolitan Books. This book was released on 2021-10-26 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: An eye-opening investigation of America’s rural and suburban housing crisis, told through a searing portrait of precarious living in Disney World's backyard. Today, a minimum-wage earner can afford a one-bedroom apartment in only 145 out of 3,143 counties in America. One of the very worst places in the United States to look for affordable housing is Osceola County, Florida. Once the main approach to Disney World, where vacationers found lodging on their way to the Magic Kingdom, the fifteen-mile Route 192 corridor in Osceola has become a site of shocking contrasts. At one end, global investors snatch up foreclosed properties and park their capital in extravagant vacation homes for affluent visitors, eliminating the county’s affordable housing in the process. At the other, underpaid tourist industry workers, displaced families, and disabled and elderly people subsisting on government checks cram themselves into dilapidated, roach-infested motels, or move into tent camps in the woods. Through visceral, frontline reporting from the motels and encampments dotting central Florida, renowned social analyst Andrew Ross exposes the overlooked housing crisis sweeping America’s suburbs and rural areas, where residents suffer ongoing trauma, poverty, and nihilism. As millions of renters face down evictions and foreclosures in the midst of the COVID-19 recession, Andrew Ross reveals how ineffective government planning, property market speculation, and poverty wages have combined to create this catastrophe. Urgent and incisive, Sunbelt Blues offers original insight into what is quickly becoming a full-blown national emergency.
Book Synopsis Homelessness Is a Housing Problem by : Gregg Colburn
Download or read book Homelessness Is a Housing Problem written by Gregg Colburn and published by Univ of California Press. This book was released on 2022-03-15 with total page 283 pages. Available in PDF, EPUB and Kindle. Book excerpt: Using rich and detailed data, this groundbreaking book explains why homelessness has become a crisis in America and reveals the structural conditions that underlie it. In Homelessness Is a Housing Problem, Gregg Colburn and Clayton Page Aldern seek to explain the substantial regional variation in rates of homelessness in cities across the United States. In a departure from many analytical approaches, Colburn and Aldern shift their focus from the individual experiencing homelessness to the metropolitan area. Using accessible statistical analysis, they test a range of conventional beliefs about what drives the prevalence of homelessness in a given city—including mental illness, drug use, poverty, weather, generosity of public assistance, and low-income mobility—and find that none explain the regional variation observed across the country. Instead, housing market conditions, such as the cost and availability of rental housing, offer a far more convincing account. With rigor and clarity, Homelessness Is a Housing Problem explores U.S. cities' diverse experiences with housing precarity and offers policy solutions for unique regional contexts.
Book Synopsis Poverty, by America by : Matthew Desmond
Download or read book Poverty, by America written by Matthew Desmond and published by Penguin. This book was released on 2024-03-28 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: 'Urgent and accessible, its moral force is a gut punch' New Yorker 'A fierce polemic on an enduring problem' The Economist *A searing study of American poverty from the Pulitzer Prize-winning author of Evicted* The United States is the richest country on earth, yet has more poverty than any other advanced democracy. One in seven Americans live below the poverty line, a line which hasn't shifted over the last fifty years, despite the efforts of successive governments. Why is there so much scarcity in this land of dollars? In Poverty, by America, acclaimed sociologist Matthew Desmond examines American poverty today and the stories we tell ourselves about it. Spanning social isolation, mass incarceration, the housing crisis, domestic violence, crack and opioid epidemics, welfare cuts and more, Desmond argues that poverty does not result from a lack of resources or good policy ideas. We already know how to eliminate it. The hard part is getting more of us to care. To do so, we need a new story. As things stand, liberals explain poverty through insurmountable structural issues, whereas conservatives highlight personal failings and poor life choices. Both abdicate responsibility, and ignore the reality that the advantages of the rich only come at the expense of the poor. It is time better-paid citizens put themselves back in the narrative, recognizing that the depth and expanse of poverty in any nation reflects our failure to look out for one another. Poverty must ultimately be met by community: all this suffering and want is our doing, and we can undo it.
Book Synopsis In Defense of Housing by : Peter Marcuse
Download or read book In Defense of Housing written by Peter Marcuse and published by Verso Books. This book was released on 2024-08-27 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: In every major city in the world there is a housing crisis. How did this happen and what can we do about it? Everyone needs and deserves housing. But today our homes are being transformed into commodities, making the inequalities of the city ever more acute. Profit has become more important than social need. The poor are forced to pay more for worse housing. Communities are faced with the violence of displacement and gentrification. And the benefits of decent housing are only available for those who can afford it. In Defense of Housing is the definitive statement on this crisis from leading urban planner Peter Marcuse and sociologist David Madden. They look at the causes and consequences of the housing problem and detail the need for progressive alternatives. The housing crisis cannot be solved by minor policy shifts, they argue. Rather, the housing crisis has deep political and economic roots—and therefore requires a radical response.
Download or read book House Poor written by June Fletcher and published by Harper Collins. This book was released on 2010-05-11 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: The housing market, like any other investment, has always had its ups and downs. But ever since it started its upswing at the beginning of this decade, the ride has become more thrilling—and more dangerous. One day, home values are skyrocketing and cheap money is up for grabs; the next day, houses linger on the market and interest rates rise alarmingly high. Home buyers and sellers are beginning to recognize that however the market moves where they live, they must be prepared to make smart housing decisions. Written by veteran real estate reporter June Fletcher, House Poor teaches you everything you need to know to weather the ups and downs of the housing market, including: How to tell whether your hometown is likely to boom or bust When to take equity out of your house How to buy as a first-time home owner or as an investor during turbulent times How to protect your home investment When and how to sell your home Today's volatile housing market could make you house poor. This book will keep you house proud.
Book Synopsis Housing America by : Randall G. Holcombe
Download or read book Housing America written by Randall G. Holcombe and published by Routledge. This book was released on 2017-07-05 with total page 408 pages. Available in PDF, EPUB and Kindle. Book excerpt: Housing policy not only aff ects all Americans' quality of life, but has a direct impact on their fi nancial well being. About 70 percent of American households own their own homes, and for most, their homes represent the majority of their net worth. Renters are aff ected by housing policy. Even the small minority of Americans who are homeless are aff ected by housing policies specifi cally targeted to low-income individuals.The government's increasing involvement in housing markets, fed by popular demand that government "do something" to address real problems of mortgage defaults and loans, provides good reason to take a new look at the public sector in housing markets. Crises in prime mortgage lending may lower the cost of housing, but the poor and homeless cannot benefi t because of increases in unemployment. Even the private market is heavily regulated. Government policies dictate whether people can build new housing on their land, what type of housing they can build, the terms allowed in rental contracts, and much more.This volume considers the eff ects of government housing policies and what can be done to make them work better. It shows that many problems are the result of government rules and regulations. Even in a time of foreclosures, the market can still do a crucial a job of allocating resources, just as it does in other markets. Consequently, the appropriate policy response may well be to signifi cantly reduce, not increase, government presence in housing markets. Housing America is a courageous and comprehensive eff ort to examine housing policies in the United States and to show how such policies aff ect the housing market.
Download or read book Poor Housing written by Josh Brandon and published by Fernwood Publishing. This book was released on 2017-01-18T00:00:00Z with total page 235 pages. Available in PDF, EPUB and Kindle. Book excerpt: Across Canada, there is a severe shortage of decent quality housing that is affordable to those with low incomes, and much of the housing that is available is inadequate, even appalling. The poor condition of housing for those below the poverty line adds to the weight of the complex poverty they already endure, which includes worsening health, adversely affected education and neighbourhoods that are more prone to crime and violence. Using Winnipeg, Manitoba, as an example, Poor Housing examines the real-life circumstances of low-income people who are forced to live in these conditions. Contributing authors examine some of the challenges faced by low-income people in poor housing, including difficulties with landlords who abuse their power, bedbugs, racism and discrimination and a wide range of other social and psychological effects. Other selections consider the particular housing problems faced by Aboriginal people and by newcomers to Winnipeg as well as the challenges faced by individuals living in rooming houses. A central theme in the collection is that the private, for-profit housing market cannot meet the housing needs of low-income Canadians, and, therefore, governments must intervene and provide subsidies. But all levels of government have shown a consistent unwillingness to invest in decent housing for low-income people. The irony is that the social costs of poor housing and the complex poverty of which it is a part are almost certainly greater than the costs of investing in subsidized social housing and related anti-poverty measures. Finally, the authors describe a number of creative and successful housing strategies for low-income people in Winnipeg, including Aboriginal housing co-ops, a revitalized 1960s-style public housing complex and a highly creative repurposing of an inner-city church into supported social housing. In these successful cases, communities and governments have worked cooperatively to good effect.
Download or read book Evicted written by Matthew Desmond and published by Crown. This book was released on 2017-02-28 with total page 450 pages. Available in PDF, EPUB and Kindle. Book excerpt: NEW YORK TIMES BESTSELLER • WINNER OF THE PULITZER PRIZE • NAMED ONE OF TIME’S TEN BEST NONFICTION BOOKS OF THE DECADE • One of the most acclaimed books of our time, this modern classic “has set a new standard for reporting on poverty” (Barbara Ehrenreich, The New York Times Book Review). In Evicted, Princeton sociologist and MacArthur “Genius” Matthew Desmond follows eight families in Milwaukee as they each struggle to keep a roof over their heads. Hailed as “wrenching and revelatory” (The Nation), “vivid and unsettling” (New York Review of Books), Evicted transforms our understanding of poverty and economic exploitation while providing fresh ideas for solving one of twenty-first-century America’s most devastating problems. Its unforgettable scenes of hope and loss remind us of the centrality of home, without which nothing else is possible. NAMED ONE OF THE BEST BOOKS OF THE YEAR BY President Barack Obama • The New York Times Book Review • The Boston Globe • The Washington Post • NPR • Entertainment Weekly • The New Yorker • Bloomberg • Esquire • BuzzFeed • Fortune • San Francisco Chronicle • Milwaukee Journal Sentinel • St. Louis Post-Dispatch • Politico • The Week • Chicago Public Library • BookPage • Kirkus Reviews • Library Journal • Publishers Weekly • Booklist • Shelf Awareness WINNER OF: The National Book Critics Circle Award for Nonfiction • The PEN/John Kenneth Galbraith Award for Nonfiction • The Andrew Carnegie Medal for Excellence in Nonfiction • The Hillman Prize for Book Journalism • The PEN/New England Award • The Chicago Tribune Heartland Prize FINALIST FOR THE LOS ANGELES TIMES BOOK PRIZE AND THE KIRKUS PRIZE “Evicted stands among the very best of the social justice books.”—Ann Patchett, author of Bel Canto and Commonwealth “Gripping and moving—tragic, too.”—Jesmyn Ward, author of Salvage the Bones “Evicted is that rare work that has something genuinely new to say about poverty.”—San Francisco Chronicle
Book Synopsis Where are Poor People to Live?: Transforming Public Housing Communities by : Larry Bennett
Download or read book Where are Poor People to Live?: Transforming Public Housing Communities written by Larry Bennett and published by Routledge. This book was released on 2015-03-26 with total page 355 pages. Available in PDF, EPUB and Kindle. Book excerpt: This groundbreaking book shows how major shifts in federal policy are spurring local public housing authorities to demolish their high-rise, low-income developments, and replace them with affordable low-rise, mixed income communities. It focuses on Chicago, and that city's affordable housing crisis, but it provides analytical frameworks that can be applied to developments in every American city. "Where Are Poor People to Live?" provides valuable new empirical information on public housing, framed by a critical perspective that shows how shifts in national policy have devolved the U.S. welfare state to local government, while promoting market-based action as the preferred mode of public policy execution. The editors and chapter authors share a concern that proponents of public housing restructuring give little attention to the social, political, and economic risks involved in the current campaign to remake public housing. At the same time, the book examines the public housing redevelopment process in Chicago, with an eye to identifying opportunities for redeveloping projects and building new communities across America that will be truly hospitable to those most in need of assisted housing. While the focus is on affordable housing, the issues addressed here cut across the broad policy areas of housing and community development, and will impact the entire field of urban politics and planning.
Book Synopsis Egypt's Housing Crisis by : Yahia Shawkat
Download or read book Egypt's Housing Crisis written by Yahia Shawkat and published by American University in Cairo Press. This book was released on 2020-09-08 with total page 303 pages. Available in PDF, EPUB and Kindle. Book excerpt: A provocative analysis of the roots of Egypt’s housing crisis and the ways in which it can be tackled Along with football and religion, housing is a fundamental cornerstone of Egyptian life: it can make or break marriage proposals, invigorate or slow down the economy, and popularize or embarrass a ruler. Housing is political. Almost every Egyptian ruler over the last eighty years has directly associated himself with at least one large-scale housing project. It is also big business, with Egypt currently the world leader in per capita housing production, building at almost double China’s rate, and creating a housing surplus that counts in the millions of units. Despite this, Egypt has been in the grip of a housing crisis for almost eight decades. From the 1940s onward, officials deployed a number of policies to create adequate housing for the country’s growing population. By the 1970s, housing production had outstripped population growth, but today half of Egypt’s one hundred million people cannot afford a decent home. Egypt's Housing Crisis takes presidential speeches, parliamentary reports, legislation, and official statistics as the basis with which to investigate the tools that officials have used to ‘solve’ the housing crisis—rent control, social housing, and amnesties for informal self-building—as well as the inescapable reality of these policies’ outcomes. Yahia Shawkat argues that wars, mass displacement, and rural–urban migration played a part in creating the problem early on, but that neoliberal deregulation, crony capitalism and corruption, and neglectful planning have made things steadily worse ever since. In the final analysis he asks, is affordable housing for all really that hard to achieve?
Book Synopsis Race for Profit by : Keeanga-Yamahtta Taylor
Download or read book Race for Profit written by Keeanga-Yamahtta Taylor and published by UNC Press Books. This book was released on 2019-09-03 with total page 364 pages. Available in PDF, EPUB and Kindle. Book excerpt: LONGLISTED FOR THE 2019 NATIONAL BOOK AWARD FINALIST, 2020 PULITZER PRIZE IN HISTORY By the late 1960s and early 1970s, reeling from a wave of urban uprisings, politicians finally worked to end the practice of redlining. Reasoning that the turbulence could be calmed by turning Black city-dwellers into homeowners, they passed the Housing and Urban Development Act of 1968, and set about establishing policies to induce mortgage lenders and the real estate industry to treat Black homebuyers equally. The disaster that ensued revealed that racist exclusion had not been eradicated, but rather transmuted into a new phenomenon of predatory inclusion. Race for Profit uncovers how exploitative real estate practices continued well after housing discrimination was banned. The same racist structures and individuals remained intact after redlining's end, and close relationships between regulators and the industry created incentives to ignore improprieties. Meanwhile, new policies meant to encourage low-income homeownership created new methods to exploit Black homeowners. The federal government guaranteed urban mortgages in an attempt to overcome resistance to lending to Black buyers – as if unprofitability, rather than racism, was the cause of housing segregation. Bankers, investors, and real estate agents took advantage of the perverse incentives, targeting the Black women most likely to fail to keep up their home payments and slip into foreclosure, multiplying their profits. As a result, by the end of the 1970s, the nation's first programs to encourage Black homeownership ended with tens of thousands of foreclosures in Black communities across the country. The push to uplift Black homeownership had descended into a goldmine for realtors and mortgage lenders, and a ready-made cudgel for the champions of deregulation to wield against government intervention of any kind. Narrating the story of a sea-change in housing policy and its dire impact on African Americans, Race for Profit reveals how the urban core was transformed into a new frontier of cynical extraction.
