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Author: Wyatt Abbitt
Publisher:
ISBN: 9781438955186
Category : Business & Economics
Languages : en
Pages : 80
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Book Description
Are you tired of listening to the overcomplicated explanations on why the housing market collapsed? Are you wondering why our economy is struggling and what you can do to help? Are you questioning the government bailouts and wondering if they will work? Are you spending money you don't have? Are we, as a society, spending money that doesn't exist? If you answered yes to any of these questions, this book is for you! The Simple Answer and Solution to our Housing and Economic Crisis is based on my personal experiences with the housing market's sharp rise and dramatic fall. I decided to write this book to discuss my views on our current economic crisis in simple, everyday terms. Several years ago, I made a few risky decisions that could have led to financial disaster. Thankfully, my decisions only taught me a hard earned lesson, but I know how easy it was, and still is to become one of the victims of the recent housing market collapse. From my personal experiences, I learned some valuable lessons. I don't have all the answers or information, but hope to share my ideas on the cause and possible solutions to our current economic crisis.
Author: Wyatt Abbitt
Publisher:
ISBN: 9781438955186
Category : Business & Economics
Languages : en
Pages : 80
Get Book Here
Book Description
Are you tired of listening to the overcomplicated explanations on why the housing market collapsed? Are you wondering why our economy is struggling and what you can do to help? Are you questioning the government bailouts and wondering if they will work? Are you spending money you don't have? Are we, as a society, spending money that doesn't exist? If you answered yes to any of these questions, this book is for you! The Simple Answer and Solution to our Housing and Economic Crisis is based on my personal experiences with the housing market's sharp rise and dramatic fall. I decided to write this book to discuss my views on our current economic crisis in simple, everyday terms. Several years ago, I made a few risky decisions that could have led to financial disaster. Thankfully, my decisions only taught me a hard earned lesson, but I know how easy it was, and still is to become one of the victims of the recent housing market collapse. From my personal experiences, I learned some valuable lessons. I don't have all the answers or information, but hope to share my ideas on the cause and possible solutions to our current economic crisis.
Author: Charles L. Marohn, Jr.
Publisher: John Wiley & Sons
ISBN: 1119984521
Category : Business & Economics
Languages : en
Pages : 247
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Book Description
Housing is an investment. Investment prices must go up. Housing is shelter. When the price of shelter goes up, people experience distress. This is the housing trap. It’s time to escape. In Escaping the Housing Trap: The Strong Towns Response to the Housing Crisis, renowned urbanists Charles (Chuck) Marohn and Daniel Herriges introduce a first-of-its-kind discussion of the tension between housing as a financial product and housing as shelter. This is the key insight that’s been missing from the Housing Crisis Conversation; and the insight that can help cities fight back against the crisis from the bottom-up. This book offers a serious, yet accessible, history of housing policy in the United States and explains how it led us to this point in time: where we face a market that is rigged against people who, only a few decades ago, could have been homeowners or stable, long-term rentals. Only local change, on a neighborhood or city-wide scale, can begin to restore balance to the housing market. Escaping the Housing Trap is the must-read resource for everyone with a stake in the future of housing in America—and that means everyone. Readers will find: Discussions of housing as an investment and how the country's neighborhoods are being transformed by the introduction of large amounts of investment Explorations of housing as shelter, including discussions of zoning policy and NIMBYism A comprehensive overview of the Strong Towns approach to solving the American housing crisis
Author: Tom Hansen
Publisher:
ISBN:
Category :
Languages : en
Pages : 0
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Book Description
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.
Author: Casas del Pueblo Community Land Trust
Publisher:
ISBN:
Category : Housing
Languages : en
Pages : 48
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Book Description
"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.
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: Gregg Colburn
Publisher: Univ of California Press
ISBN: 0520383796
Category : Social Science
Languages : en
Pages : 283
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Book Description
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.
Author:
Publisher: DIANE Publishing
ISBN: 1437985297
Category :
Languages : en
Pages : 64
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Book Description
Author: Andy Green
Publisher: Springer
ISBN: 3319585479
Category : Education
Languages : en
Pages : 161
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Book Description
This book is open access under a CC BY 4.0 license. This book provides an original and challenging analysis of one of the most pressing social issues of our times: intergenerational inequality. Based on recent mixed-method research, it explores the extent and scope of generational divides through an up-to-date analysis of the changing opportunities for young people in Britain across different life domains. A central question addressed is whether current changes are best understood as growing inequalities within and across age groups, or whether we face a genuine intergenerational decline over the life course of this and future generations of youth. Andy Green’s controversial manifesto for intergenerational equity includes replacing higher education fees with a tax on graduates of all ages; the introduction of capital gains tax on sales of first homes; voting at 16, and a new charter of rights for private tenants.
Author: Rob Quail
Publisher: John Wiley & Sons
ISBN: 0470561777
Category : Business & Economics
Languages : en
Pages : 708
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Book Description
The world's best financial minds help us understand today's financial crisis With so much information saturating the market for the everyday investor, trying to understand why the economic crisis happened and what needs to be done to fix it can be daunting. There is a real need, and demand, from both investors and the financial community to obtain answers as to what really happened and why. Lessons from the Financial Crisis brings together the leading minds in the worlds of finance and academia to dissect the crisis. Divided into three comprehensive sections-The Subprime Crisis; The Global Financial Crisis; and Law, Regulation, the Financial Crisis, and The Future-this book puts the events that have transpired in perspective, and offers valuable insights into what we must do to avoid future missteps. Each section is comprised of chapters written by experienced contributors, each with his or her own point of view, research, and conclusions Examines the market collapse in detail and explores safeguards to stop future crises Encompasses the most up-to-date analysis from today's leading financial minds We currently face a serious economic crisis, but in understanding it, we can overcome the challenges it presents. This well-rounded resource offers the best chance to get through the current situation and learn from our mistakes.
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.
