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Author: Marja Elsinga
Publisher: IOS Press
ISBN: 1586038303
Category : Political Science
Languages : en
Pages : 352
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Book Description
Offers information by linking developments on home ownership with developments in the financial and labor markets in the context of globalization. This book is the conclusion of a body of research that started with a workshop held at the University of York in October 2000, and which resulted in the book Globalisation and Home Ownership.
Author: Marja Elsinga
Publisher: IOS Press
ISBN: 1586038303
Category : Political Science
Languages : en
Pages : 352
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Book Description
Offers information by linking developments on home ownership with developments in the financial and labor markets in the context of globalization. This book is the conclusion of a body of research that started with a workshop held at the University of York in October 2000, and which resulted in the book Globalisation and Home Ownership.
Author: Eric S. Belsky
Publisher: Brookings Institution Press
ISBN: 0815725655
Category : Business & Economics
Languages : en
Pages : 497
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Book Description
A Brookings Institution Press and Harvard University Joint Center for Housing Studies publication The ups and downs in housing markets over the past two decades are without precedent, and the costs—financial, psychological, and social—have been enormous. Yet Americans overwhelmingly still aspire to homeownership, and many still view access to homeownership as an important ingredient for building wealth among historically disadvantaged groups. This timely volume reexamines the goals, risks, and rewards of homeownership in the wake of the housing bubble and subprime lending crisis. Housing, real estate, and finance experts explore the role of government in supporting homeownership, deliberate how homeownership can be made more sustainable, and discuss how best to balance affordability, access, and risk, particularly for minorities and low income families. Contributors: Eric S. Belsky (JCHS); Raphael W. Bostic (University of Southern California); Mark Calabria (Cato Institute); Kaloma Cardwell (University of California, Berkeley); Mark Cole (Hope LoanPort); J. Michael Collins (University of Wisconsin– Madison); Marsha J. Courchane (Charles River Associates); Andrew Davidson (Andrew Davidson and Co.); Christopher E. Herbert (JCHS); Leonard C. Kiefer (Freddie Mac); Alex Levin (Andrew Davidson and Co.); Adam J. Levitin (Georgetown University Law Center); Mark R. Lindblad (University of North Carolina at Chapel Hill); Jeffrey Lubell (Abt Associates); Patricia A. McCoy (University of Connecticut School of Law); Daniel T. McCue (JCHS); Jennifer H. Molinsky (JCHS); Stephanie Moulton (Ohio State University); john a. powell (University of California–Berkeley); Roberto G. Quercia (University of North Carolina at Chapel Hill); Janneke H. Ratcliffe (University of North Carolina); Carolina Reid (University of California–Berkeley); William M. Rohe (University of North Carolina at Chapel Hill); Rocio Sanchez-Moyano (JCHS); Susan Wachter (University of Pennsylvania); Peter M. Zorn (Freddie Mac)
Author: Nick Horsewood
Publisher: IOS Press
ISBN: 1586036998
Category : Business & Economics
Languages : en
Pages : 213
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Book Description
Home ownership has both positive as well as negative aspects for individuals and society. This book is based on a research, which gives an insight into the security and insecurity aspects of home ownership across Europe. It helps you to understand the relationship between the structural position of home ownership in different European countries.
Author: Christopher Cadet
Publisher: Cadet Enterprises
ISBN: 9780578505145
Category : Business & Economics
Languages : en
Pages : 152
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Book Description
A home provides much more than shelter, but often we do not see the value in purchasing a home outside of the security and comfort it provides. Chris shows readers the common pitfalls to avoid when homeownership is within reach. He touches on how to leverage your home to create earning potential. He covers how purchasing a home can become an instrument of wealth for future generations. Chris' aim is to equip the reader with techniques to harvest the equity in their home for later income. One of his purpose's is to shed light on the opportunities that home ownership offers beyond immediate gratification. He wants to empower readers to use their resources to expand their earning potential. In his book, Chris cadet explores the route to homeownership and the steps to achieve the "American Dream". He shows how owning a home can translate into generational wealth and how to purchase an asset instead of liability. The American Dream is possible. Homeownership can be yours too!
Author: Claudius Garten
Publisher:
ISBN:
Category :
Languages : en
Pages : 0
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Book Description
Homeownership has been shown to be related to various aspects of well-being, although both the causal nature of this relationship and the possible channels behind it have been difficult to identify. We focus on one of the most often quoted mechanisms which could be responsible for the positive effects of homeownership, namely its role in providing material security in old age. Using data from 15 European countries collected in wave 2 of the Survey of Health, Ageing and Retirement in Europe (SHARE), we analyse the relationship between homeownership and material security, as measured through subjective expectations of being better or worse off in the future. We find that homeowners have a higher level of material security than renters, and this association is especially strong for those living in big cities. For this subsample, in comparison to renters, owning a property in the top quartile of the home value distribution is associated with an increase in the probability of expecting to be better off in the future by as much as 43%. With respect to our measure of material security we find no such correlations with education, income or financial assets. We interpret the results as support for the argument that homeownership offers a very particular form of material security, which may be behind its positivse implications for well-being.
Author: Aaron Mullins
Publisher:
ISBN:
Category : Home ownership
Languages : en
Pages : 0
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Book Description
Owning a home has long been a part of the American dream. This paper will review the many reasons for that, including wealth building, stability, and other household, individual, and community benefits, and how and why philanthropy should play a prominent role in increasing homeownership rates among U.S. households, expecially those with children. Although not for everyone, the benefits of homeownership are significant enough that owning a home should be attainable for everyone who seeks it. Unfortunately, for many households in the U.S., owning a home is simply not an option, either because of its prohibitive initial cost, limited availability, or long-standing systemic discrimination. Owning a home is viewed as an investment in well-being because of the stability and security it provides, both financially and physically. Homeowners in the U.S. hold more wealth than households who rent. For most homeowners, equity in their home is their largest financial asset. Beyond financial security, homeownership provides many additional tangible benefits for both the homeowner and children of homeowners experience better health outcomes. Children of homeowners also do better in school. Research also shows that communities with higher levels of homeownership have lower crime and higher civic engagement. The purpose of philanthropy is to pursue and invest in a more just society where individuals, families, and communities can thrive. Homeownership can play a key role in creating a more equitable world and working to make it affordable is a noble and impactful opportunity for philanthropy. Furthermore, the current housing market has priced out most low- and moderate-incomve households, which is where philanthropy is uniquely positioned to help remedy this situation.
Author: Gary N. Smith
Publisher: Financial Times/Prentice Hall
ISBN: 9780137133789
Category : Home ownership
Languages : en
Pages : 0
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Book Description
“This book couldn't be timelier. With hundreds of thousands of Americans expected to lose their homes because they took out mortgages beyond their ability to pay, it is clear that home buyers need assistance-beyond the reassurance of the mortgage broker trying to close the deal and get his commission. This book, written in an easily accessible manner, provides that assistance; it lays out the economics of buying, owning, and financing a home.” –Joseph Stiglitz, Columbia University, 2001 Nobel Prize in Economics “The purchase of a home is the most significant investment decision confronting nearly all adults. Yet sound advice, untainted by the self-interest of real estate and mortgage brokers, is extremely scarce. In Houseonomics, the Smiths provide simple and understandable answers to the vexing questions surrounding homeownership, making it a valuable resource for anyone serious about their financial future.” –Bryan White, Managing Director, BlackRock “ Houseonomicsoffers great insights about how to think about homeownership. Its approach is innovative, but the analysis is grounded in common sense. A useful primer for what is the most important investment most people make in their lives.” –Paul Efron, Retired Partner and Advisory Director, Goldman Sachs & Co. “This book is a common sense response to those who question the value of homeownership. The Smiths validate the argument that homeownership is normally a key component of lifelong wealth building. They present a practical guide to basic financial analysis for those planning on owning a home or who currently own a home.” –Doug Duncan, Chief Economist, Mortgage Bankers Association “There is a lot of wisdom in Gary and Margaret Smith's Houseonomicsregarding the biggest investment that most people ever make. It is so well written that reading it is a joy and yet almost everyone can gain valuable knowledge in the process. The time you take to read this book will be a smart investment indeed. Having taught economics at Stanford for 35 years, I can only wish that more authors were as knowledgeable as the Smiths and wrote this well.” –John B. Shoven, Stanford University, co-author with Secretary George P. Shultz, Putting Our House in Order: A Guide to Social Security and Health Care Reform “The “Home Dividend” is a powerful concept and, indeed, an engine for prosperity.” –Ed Yardeni, President, Yardeni Research For generations, buying a home has been the best investment Americans could make. But, now, some so-called “experts” claim that it's foolish to be a homeowner. They're wrong. Houseonomicsexplains why a home is still an excellent investment for most people in most places&and helps you make smarter housing decisions wherever you are. This book isn't for aspiring slumlords or flippers: It's for anyone who wants to move toward financial security, with a roof over their heads, and a home to call their own. You won't find “too good to be true” schemes here: You'll find a sensible, intelligent, and totally up-to-date explanation of the real economics of homeownership. Discover how to develop an achievable vision for financial prosperity via homeownership, and treat housing decisions as the investment decisions they really are. Then, learn how to negotiate more effectively when purchasing, selling, financing, refinancing, or remodeling; decide whether to prepay your mortgage&even intelligently evaluate rental/vacation properties. It's never been more important to get clear-headed, sensible, objective advice on homeownership-and that's exactly what Houseonomicsdelivers. "Your home: an investment, not a speculation Understanding and calculating your “home dividend” "Why now is still a good time to own a home Even if home prices don't increase in the coming years "Choosing the right house-and the right mortgage Sensible advice that cuts through the lies, hype, and fear "Refinancing, home equity loans, and remodeling The right ways to make the right decisions
Author: Stephen Day Cauley
Publisher:
ISBN:
Category :
Languages : en
Pages : 42
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Book Description
Personal preferences and financial incentives make homeownership desirable for most families. Once a home is purchased they find it impractical (costly) to frequently change their ownership of residential real estate. Thus, by deciding how much home to buy, a family constrains their ability to adjust their asset allocation between residential real estate and other assets. To analyze the impact of this constraint on consumption, welfare, and post-retirement wealth, we first investigate a representative individual's optimal asset allocation decisions when they are subject to a quot;homeownership constraint.quot; Next, we perform a quot;thought experimentquot; where we assume the existence of a market where a homeowner can sell, without cost, a fractional interest in their home. Now the housing choice decision does not constrain the individual's asset allocations. By comparing these two cases, we estimate the differences in post-retirement wealth and the welfare gains potentially realizable if asset allocations were not subject to a homeownership constraint. For realistic parameter values, we find that a representative homeowner would require between a 2 and 25 percent increase in total net worth to achieve the same level of utility as would be achievable if the choice of a home could be separated from the asset allocation decision.
Author: Karin Kurz
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 412
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Book Description
This cross-national comparative study analyzes the relationship between social inequality and the attainment of home ownership over the life course in 12 countries.
Author:
Publisher:
ISBN:
Category : Home ownership
Languages : en
Pages : 271
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Book Description
