Chasing the American Dream
Chasing the American Dream

Author: William M. Rohe

Publisher: Cornell University Press

Published: 2018-07-05

Total Pages: 326

ISBN-13: 1501731130

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Providing decent, safe, and affordable housing to low- and moderate-income families has been an important public policy goal for more than a century. In recent years there has been a clear shift of emphasis among policymakers from a focus on providing affordable rental units to providing affordable homeownership opportunities. Due in part to programs introduced by the Clinton and Bush administrations, the nation's homeownership rate is currently at an all-time high. Does a house become a home only when it comes with a deed attached? Is participation in the real-estate market a precondition to engaged citizenship or wealth creation? The real estate industry's marketing efforts and government policy initiatives might lead one to believe so. The shift in emphasis from rental subsidies to affordable homeownership opportunities has been justified in many ways. Claims for the benefits of homeownership have been largely accepted without close scrutiny. But is homeownership always beneficial for low-income Americans, or are its benefits undermined by the difficulties caused by unfavorable mortgage terms and by the poor condition or location of the homes bought? Chasing the American Dream provides a critical assessment of affordable homeownership policies and goals. Its contributors represent a variety of disciplinary perspectives and offer a thorough understanding of the economic, social, political, architectural, and cultural effects of homeownership programs, as well as their history. The editors draw together the assessments included in this book to prescribe a plan of action that lays out what must be done to make homeownership policy both effective and equitable.

A Safety Net That Works
A Safety Net That Works

Author: Robert Doar

Publisher: Rowman & Littlefield

Published: 2017-02-13

Total Pages: 262

ISBN-13: 0844750069

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This is an edited volume reviewing the major means-tested social programs in the United States. Each author addresses a major program or area, reviewing each area’s successes and recommending how to address shortcomings through policy change. In general, our means-tested programs do many things well, but some adjustments to each could make the system much more effective. This book provides policymakers with a broad overview of the issues at hand in each program and how to address them.

A Roadmap to Reducing Child Poverty
A Roadmap to Reducing Child Poverty

Author: National Academies of Sciences, Engineering, and Medicine

Publisher: National Academies Press

Published: 2019-09-16

Total Pages: 619

ISBN-13: 0309483980

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The strengths and abilities children develop from infancy through adolescence are crucial for their physical, emotional, and cognitive growth, which in turn help them to achieve success in school and to become responsible, economically self-sufficient, and healthy adults. Capable, responsible, and healthy adults are clearly the foundation of a well-functioning and prosperous society, yet America's future is not as secure as it could be because millions of American children live in families with incomes below the poverty line. A wealth of evidence suggests that a lack of adequate economic resources for families with children compromises these children's ability to grow and achieve adult success, hurting them and the broader society. A Roadmap to Reducing Child Poverty reviews the research on linkages between child poverty and child well-being, and analyzes the poverty-reducing effects of major assistance programs directed at children and families. This report also provides policy and program recommendations for reducing the number of children living in poverty in the United States by half within 10 years.

Asset Building and Low-income Families
Asset Building and Low-income Families

Author: Signe-Mary McKernan

Publisher: The Urban Insitute

Published: 2008

Total Pages: 304

ISBN-13: 9780877667544

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Low-income families have scant savings to cushion a job loss or illness, and can find economic mobility impossible without funds to invest in education, homes, or businesses. And though a lack of resources leaves such families vulnerable, income-support programs are often closed to those with a bit of savings or even a car. Considering welfare-to-work reforms, the increasingly advanced skill demands of the American workforce, and our stretched Social Security system, such an approach is inadequate to lift families out of poverty. Asset-based policies--allowing or even helping low-income families build wealth--are an increasingly popular strategy to facilitate financial stability.

Neighborhood and Life Chances
Neighborhood and Life Chances

Author: Harriet B. Newburger

Publisher: University of Pennsylvania Press

Published: 2011-02-17

Total Pages: 394

ISBN-13: 081220008X

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Does the place where you lived as a child affect your health as an adult? To what degree does your neighbor's success influence your own potential? The importance of place is increasingly recognized in urban research as an important variable in understanding individual and household outcomes. Place matters in education, physical health, crime, violence, housing, family income, mental health, and discrimination—issues that determine the quality of life, especially among low-income residents of urban areas. Neighborhood and Life Chances: How Place Matters in Modern America brings together researchers from a range of disciplines to present the findings of studies in the fields of education, health, and housing. The results are intriguing and surprising, particularly the debate over Moving to Opportunity, an experiment conducted by the Department of Housing and Urban Development, designed to test directly the effects of relocating individuals away from areas of concentrated poverty. Its results, while strong in some respects, showed very different outcomes for boys and girls, with girls more likely than boys to experience positive outcomes. Reviews of the literature in education and health, supplemented by new research, demonstrate that the problems associated with residing in a negative environment are indisputable, but also suggest the directions in which solutions may lie. The essays collected in this volume give readers a clear sense of the magnitude of contemporary challenges in metropolitan America and of the role that place plays in reinforcing them. Although the contributors suggest many practical immediate interventions, they also recognize the vital importance of continued long-term efforts to rectify place-based limitations on lifetime opportunities.

Where are Poor People to Live?: Transforming Public Housing Communities
Where are Poor People to Live?: Transforming Public Housing Communities

Author: Larry Bennett

Publisher: Routledge

Published: 2015-03-26

Total Pages: 355

ISBN-13: 1317452089

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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.

Developing Affordable Housing
Developing Affordable Housing

Author: Bennett L. Hecht

Publisher: John Wiley & Sons

Published: 2006-05-11

Total Pages: 842

ISBN-13: 0471793922

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Praise for Developing Affordable Housing A Practical Guide for Nonprofit Organizations Third Edition "Ben Hecht's book explains in clear language everything needed to successfully engage in nonprofit housing development. He tells how to find the money, how to generate good design and quality construction, and how to improve management--a complete, well-researched, and well-presented 'A to Z' approach." --Henry G. Cisneros, former secretary U.S. Department of Housing and Urban Development "Ben Hecht's book makes the affordable housing development process accessible for communities and practitioners everywhere. Developing Affordable Housing should be on the bookshelf of every organization that cares about people and wants to make affordable housing possible." --Rey Ramsey, former chairman, Habitat for Humanity CEO, One Economy Corporation "The development of affordable housing is as much a journey as a destination. Ben Hecht's book provides maps and bridges while not losing sight of the challenging but elusive goal of providing decent, safe, and affordable housing." --Nicolas P. Retsinas, Director, Joint Center for Housing Studies Harvard University "In our work to increase the supply of safe, decent homes for those who need homes the most, we appreciate the power of partnerships and the value of information. So does Ben Hecht. Developing Affordable Housing is more than a practical guide for nonprofits--it's a library, a trusted advisor, and a road map. Read this book and benefit from its wisdom." --Stacey D. Stewart, President and CEO, Fannie Mae Foundation