Radical Housing Solutions: A Plan to Fix America's Housing Crisis PDF Download
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Author: Tony Bonitati
Publisher: Speak It to Book
ISBN: 9781945793660
Category : Business & Economics
Languages : en
Pages : 166
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Book Description
Imagine if we could save the American Dream for a generation in crisis-if only we'd dare to think outside the box. Why have so many millennials not bought their first home yet? For the first time in generations, the American Dream-in particular, homeownership-is becoming less and less achievable for the average young adult. Those who came of age around the financial crash of 2008 have struggled to find adequate employment and affordable housing, often finding their wages eaten up in high rent payments that prohibit saving for a down payment on that elusive first home. The lack of reasonable starter homes at the bottom of the housing ladder is reaching crisis proportions, making our communities less stable, secure, and prosperous. Drawing on extensive experience from a decades-long, successful career in real estate, Tony Bonitati lays out a compelling case for a long-overdue national discussion about the financial future of our country through the lens of home-buying. In Radical Housing Solutions: A Plan to Fix America's Housing Crisis, Tony offers a comprehensive survey of the problems and solutions introduced in his introductory volume, 11 Radical Housing Solutions. In Radical Housing Solutions, you will discover: - Why our nation's housing is in crisis and how we got here - Why entrenched attitudes and expectations about housing need to give place to new thinking - 11 radical solutions that can solve this massive problem and benefit all generations of Americans - How the government can help, not hinder, the opportunity for affordable housing for all - A 10-year timeline to systematically implement a thorough plan for positive change There is still time for Americans to come together with creativity, courage, and wisdom to turn a would-be crisis into a huge cultural shift in our expectations and choices about housing. Join the conversation by diving into Radical Housing Solutions today-and learn how you can help reshape our national future!
Author: Tony Bonitati
Publisher: Speak It to Book
ISBN: 9781945793660
Category : Business & Economics
Languages : en
Pages : 166
Get Book
Book Description
Imagine if we could save the American Dream for a generation in crisis-if only we'd dare to think outside the box. Why have so many millennials not bought their first home yet? For the first time in generations, the American Dream-in particular, homeownership-is becoming less and less achievable for the average young adult. Those who came of age around the financial crash of 2008 have struggled to find adequate employment and affordable housing, often finding their wages eaten up in high rent payments that prohibit saving for a down payment on that elusive first home. The lack of reasonable starter homes at the bottom of the housing ladder is reaching crisis proportions, making our communities less stable, secure, and prosperous. Drawing on extensive experience from a decades-long, successful career in real estate, Tony Bonitati lays out a compelling case for a long-overdue national discussion about the financial future of our country through the lens of home-buying. In Radical Housing Solutions: A Plan to Fix America's Housing Crisis, Tony offers a comprehensive survey of the problems and solutions introduced in his introductory volume, 11 Radical Housing Solutions. In Radical Housing Solutions, you will discover: - Why our nation's housing is in crisis and how we got here - Why entrenched attitudes and expectations about housing need to give place to new thinking - 11 radical solutions that can solve this massive problem and benefit all generations of Americans - How the government can help, not hinder, the opportunity for affordable housing for all - A 10-year timeline to systematically implement a thorough plan for positive change There is still time for Americans to come together with creativity, courage, and wisdom to turn a would-be crisis into a huge cultural shift in our expectations and choices about housing. Join the conversation by diving into Radical Housing Solutions today-and learn how you can help reshape our national future!
Author: Randall G. Holcombe
Publisher: Routledge
ISBN: 1351514997
Category : Business & Economics
Languages : en
Pages : 408
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Book Description
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.
Author: Institute for Policy Studies
Publisher: Boston : Routledge & Kegan Paul
ISBN:
Category : Political Science
Languages : en
Pages : 302
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Book Description
Author: Andre F. Shashaty
Publisher:
ISBN: 9780990518709
Category : Housing
Languages : en
Pages : 322
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Book Description
"Rebuilding a Dream" takes a refreshingly positive view of a difficult and seemingly intractable problem that affects millions of Americans: The increasing scarcity of housing we can afford. This hard-hitting book explains why media reports that America's housing crisis has ended are wildly misleading. Many people - especially lower-income groups but also the middle class - face an ever-increasing gap between what they can afford to pay for a home or apartment and what it costs to obtain one. This books explains why this gap will get steadily worse unless our elected officials stop working against housing affordability and start supporting it. It explains how the foreclosure crisis continues to have a devastating impact on minority communities, spawning a new wave of urban (and increasingly suburban) decay. It shows how the housing problems of lower income groups tie directly to the growth of income inequality and the resurgence of racial and economic segregation, hurting our economic and social stability. But "Rebuilding a Dream" also delivers the good news that all these problems can be solved. It explains how the dream of homeownership and the upward mobility it brings can be restored - and how we can resume progress toward Martin Luther King Jr.'s vision of equal opportunity in housing. The book reports on the progress that has been made since the tumultuous days 50 years ago, when dozens of cities exploded in violent riots and Congress enacted a wide array of government housing and community development programs. This book shows that many of the programs enacted back then and in subsequent years have succeeded in transforming neighborhoods and improving millions of lives. Great innovations in community development are underway, including plans to better link housing and transportation to provide for greater environmental as well as economic sustainability. The book describes how veterans, homeless families and lonely elders have had their lives transformed, and even saved, by government housing programs (contrary to a concerted right-wing campaign to paint all such programs as failures.) But, while these programs are more important than ever, they are also under a full-scale political attack. Advocates of budget austerity (and extremists with an "us vs. them" agenda) have forced deep cuts in spending for housing and urban programs, including elimination of housing construction for poor elders, among other things. With more cuts threatened under the new Republican-controlled Congress, the book warns, much of the progress of the last 50 years is being lost each year. "Rebuilding a Dream" calls for a new political consensus to reinvest in those programs and reverse the recent budget cuts and program eliminations. It calls for a new resolve to address the shameful reality that there are over 1.6 million children who are homeless in America, and many more whose families are barely able to pay their rent. Finally, the book explains how regular citizens can get involved and join the effort to get housing markets back in the business of provide affordable options and making sure governments have good, proactive housing policies.
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity
Publisher:
ISBN: 9780160788703
Category : Electronic government information
Languages : en
Pages :
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Book Description
Author: Jess Lederman
Publisher: Irwin Professional Publishing
ISBN:
Category : Business & Economics
Languages : en
Pages : 412
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Book Description
In his introduction, editor Jess Lederman argues that the crisis in affordable housing is a problem that affects us all, seriously undermining the health of our communities in both human and financial terms.
Author: Brian Phillips
Publisher: Independently Published
ISBN:
Category :
Languages : en
Pages : 0
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Book Description
Few people deny that America has a severe shortage of affordable housing for low- and moderate-income households. While there is agreement that a problem exists, there is little agreement about a remedy. Government officials at every level, along with housing advocates, frequently put forth a variety of policy proposals in an attempt to address the problem. For more than a century, government officials have created an assortment of programs and policies in an attempt to provide Americans with safe, decent, and affordable housing. The fact that today the affordable housing problem is worse than ever is testament that these programs and policies have failed. Despite this failure, we are routinely subjected to new policy proposals that are simply a variation on the same theme. The reason for this continued failure is the framework that has been employed since the beginning of the twentieth century. That manner of thinking led to numerous policies that exacerbated a modest housing problem. And the continued application of that framework has steadily made the problem worse. The affordability of housing is determined by many factors, not just the price for rent or a mortgage. For example, monetary policies have a direct impact on the interest rates charged for mortgages and new construction. Laws such as occupational licensing stifle the ability of individuals to start a business or enter a profession-i.e., improve one's income. The impact on the affordability of housing of these and other policies must be identified and considered. Unfortunately, the same flawed framework that has been guiding housing policy has also been guiding policies in other areas. If we truly want to solve the affordable housing crisis, then we must reject the thinking method that has dominated discussions of housing and related policies for more than a century. We must be willing to embrace a new framework, a new way of thinking about housing policy. In Part 1, I address the thinking that caused the housing crisis and continues to make it worse. We will examine the dominant framework, as well as an alternative. In Part 2, I look at the housing policies (and related policies) that were developed in the late 1800s and early 1900s. We will see how these policies impact the affordability of housing. In Part 3, I examine contemporary policies pertaining to housing. We will see that contemporary policies may differ from the failed policies of the past in details, but in principle they are the same. In Part 4, I present alternatives policies to address the housing crisis. I will show how we can truly enable all Americans to have safe, decent, and affordable housing.
Author: Susan Hunnicutt
Publisher: Greenhaven Press, Incorporated
ISBN: 9780737743104
Category : Financial crises
Languages : en
Pages : 0
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Book Description
This book explores the seriousness of the American housing crisis, the impacts, causes and solutions. Readers will learn about the threat to families and neighborhoods, homeownership as a wealth-building strategy, lending reform, and mortgage interest deduction. Includes primary and secondary sources from a variety of perspectives; eyewitnesses, scientific journals, government officials, and many others.
Author: Conor Dougherty
Publisher: Penguin
ISBN: 052556022X
Category : Social Science
Languages : en
Pages : 304
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Book Description
A Time 100 Must-Read Book of 2020 • A New York Times Book Review Editors' Choice • California Book Award Silver Medal in Nonfiction • Finalist for The New York Public Library Helen Bernstein Book Award for Excellence in Journalism • Named a top 30 must-read Book of 2020 by the New York Post • Named one of the 10 Best Business Books of 2020 by Fortune • Named A Must-Read Book of 2020 by Apartment Therapy • Runner-Up General Nonfiction: San Francisco Book Festival • A Planetizen Top Urban Planning Book of 2020 • Shortlisted for the Goddard Riverside Stephan Russo Book Prize for Social Justice “Tells the story of housing in all its complexity.” —NPR Spacious and affordable homes used to be the hallmark of American prosperity. Today, however, punishing rents and the increasingly prohibitive cost of ownership have turned housing into the foremost symbol of inequality and an economy gone wrong. Nowhere is this more visible than in the San Francisco Bay Area, where fleets of private buses ferry software engineers past the tarp-and-plywood shanties of the homeless. The adage that California is a glimpse of the nation’s future has become a cautionary tale. With propulsive storytelling and ground-level reporting, New York Times journalist Conor Dougherty chronicles America’s housing crisis from its West Coast epicenter, peeling back the decades of history and economic forces that brought us here and taking readers inside the activist movements that have risen in tandem with housing costs.
Author: Chrystin Ondersma
Publisher: Univ of California Press
ISBN: 0520391489
Category : Business & Economics
Languages : en
Pages : 279
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Book Description
An earth-shaking reimagining of household debt that opens up a new path to financial security for all Americans. American households have a debt problem. The problem is not, as often claimed, that Americans recklessly take on too much debt. The problem is that US debt policies have no basis in reality. Weaving together the histories and trends of US debt policy with her own family story, Chrystin Ondersma debunks the myths that have long governed debt policy, like the belief that debt leads to prosperity or the claim that bad debt is the result of bad choices, both of which nest in the overarching myth of a free market unhindered by government interference and accessible to all. In place of these stale narratives, Ondersma offers a compelling, flexible, and reality-based taxonomy rooted in the internationally recognized principle of human dignity. Ondersma’s new categories of debt—grounded in abolitionist principles—revolutionize how policymakers are able to think about debt, which will in turn revolutionize the American debt landscape itself.
