Overview Of Housing Microfinance

Overview of Housing Microfinance
Housing Microfinance
"Inadequate sanitation and housing threaten the lives and health of some 600 million urban dwellers
world–wide." – CGAP (Bonnie Brusky)
This research paper will concentrate on the innovation of housing microfinance. Housing
microfinance is helping to give loans to individuals that are suffering from poor infrastructure. This
type of microfinance will aid in increasing the level of living standards. This paper will analyze the
current organizations that deal with housing microfinance and it will implement new ways that it can
be implemented. Housing microfinance will be evaluated on the impact it has had to date and the
future implications of this innovation at a local, national, and international level.
Housing ... Show more content on Helpwriting.net ...
The National Cooperative Housing Union of Kenya has made $4.19 million worth of 530 housing
loans (Rooftops Canada, Web). In a mere span of two years this organization has grown by 292
percent and members were able to save, in total, $3.1 (Rooftops Canada, Web).
The Homeless International organization in the UK has been increasing their investments because of
the loans and guarantees through Rooftops Canada and other affiliated organizations. The
organizations throughout Africa are able to grow their capacity through the collaborations with
Rooftops Canada. Capital and land are more accessible thanks to this organization. Rooftops Canada
has been the key to creating growth and prosperity in many of the organizations. For example, the
Kuyasa Fund has grown at a fast rate with 31,000 loans administered to poorer households
(Rooftops Canada, Web).
The second case study to study is the Bhavanashree housing microfinance in India, conducted by the
government of Kerala. Kerala is located in the south–west region of India. India is another country
where housing lacks for most of the lower class, with the record high housing shortage rate for the
underprivileged class in India being 99.84% (P.J. 2010). Bhavanashree refers to the Kudumbashree
alleviation program. India is known for having a consistently growing population with a shortage of
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Prevention For Homelessness
Improving Preventions for Homelessness
A) Organizational Culture and Readiness Assessment
Homelessness has been around for many years and today there are still many people who are
homeless or living in some sort of substandard condition. Although most Americans have adequate
food and shelter along with other necessities, the homeless do not reap any of these basic benefits.
Instead, millions of homeless people do not have suitable shelter to sleep in or food to eat. The
United states, a country that is considered one of the wealthiest places in the world still have not
conquered homelessness.
Often it is seen that the more fortunate population are disgusted by the homeless and their
misfortunes. ... Show more content on Helpwriting.net ...
The transitional Model is useful in making a positive impact with the homeless dilemma by
addressing all social factors. This model is central to leaders guiding the homeless through three
stages with the anticipated end results to include a new outlook on life, reduced homeless
recidivism, affordable and stable housing, housing assistance, better health care, food, and
vocational training. There are many ways that can assist in homeless prevention, this is not a one
size fits all situation, therefore it will take further research to determine the methods and solutions
needed to eradicate

Essay on Housing Vouchers: More Than a Housing Solution
Housing Vouchers
Vouchers: More Than a Housing Solution
Introduction
Many advocates and policymakers of housing for the poor believe that to achieve optimal human
development of low–income households the location of the housing must be considered as well as
the quality of the housing unit (Newman, 2008). According to Newman (2008), housing of the poor
has to allow for economic independence and self–care while providing a safe and adequate place to
live. The debate about decent housing alone is sufficient to provide a healthier living environment
has its roots in the late 1920s, when the unhealthy environment of the slums was associated with
numerous social ills. The hands–on approach of the housing and social service agencies was ...
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For the past fifty years the shift from meeting the housing needs of the poor through government
projects–based housing to a more individual approach, has been slowly implemented. Housing
vouchers now enable underprivileged populations to move from high–poverty, segregated
neighborhoods to more un–segregated, low–poverty neighborhoods. Low–poverty neighborhoods
have less crime, better opportunities for employment, and more diverse schooling options. Some
housing advocates however, contend that housing assistance is unnecessary and is an income
subsidy that should be combined with other social safety nets (Clark, W. 2008).
Literature Review
The Housing and Community Development Act of 1974 enacted a voucher program, the Section 8
Housing Allowance program that has since been renamed the Housing Choice Voucher program
(HCV). In the original program vouchers were sent directly to qualifying landlords, however, in
1988, the terms were changed so that the tenants now receive the vouchers. Tenants were given
more leeway in where and how the vouchers could be used (Teater, 2008).
Teater (2008) explained that the original intent of the Section 8 program was to allow minority
households to move to neighborhoods that were less racially segregated and safer. Other intentions
of Section 8 program were to open

Housing Affordability in Australia Essay
Background
Housing Affordability in Australia has become the focus point for urban planners in recent years. In
particular, South East Queensland (SEQ) has experienced significant pressure as the demand for
property and affordable dwellings increases and population growth in the region continues. The
issue has come to the forefront in discussions for local governments in the region and there is a real
need to address the problem of housing affordability. The subject of affordability is complex and is
contributed to by a number of factors including the impost created by Council processes, which is
the scope of the HAF–T5 Project.
The need to reduce these imposts is a key driver for continued improvement in Council processes to
streamline ... Show more content on Helpwriting.net ...
Part 4 – Recommendations (To Follow)
Improvement Program – including regional and council–specific recommendations.
The underlying intention of this document in its current form (Parts 1 and 2) is to establish an "As
Is" picture, so to speak, of a Council's development assessment processes.
Parts 1 and 2 will be presented to Council for validation and discussion with HAF representatives.
File Survey Overview
HAF–T5 programme Objectives
The aim of the Target 5 Days (HAF–T5) project is to reduce government's impact on the
development assessment process through reductions in assessment time. This will reduce the
holding costs and infrastructure costs for applicants, contributing greatly to the bottom line
overheads experienced by developers, both professional and non professional (without considering
the greater issue of land supply).
The objectives of HAF–T5 project are to deliver process reform such that Councils in SEQ will
deliver:
Reduced assessment timeframe for 95% of residential development applications; and
75% reduction in approval timeframe for residential developments with a five–day turn around for
low risk/complying applications.
Residential Application Focus
The typical types of applications that were surveyed are:
Reconfiguration of lots up to 50 lots;
Dual Occupancies (Duplexes);
Multiple Unit Developments (generally 6 or less);
Boundary Realignments; and
Houses in overlays (e.g. character,

What Did The Farms? A History Of Development?
What Happened to the Farms? A History of Development in Possumtown, Piscataway
Piscataway Township, founded in 1666 is one of the oldest English settlements in New Jersey and
all of America. Its strategic placement along the Raritan Valley led to the "later establishment of
towns like New Brunswick, Bound Brook, Somerville... and even Princeton," according to Walter
Meuly in his book The History of Piscataway Township: 1666–1976. Piscataway, which started off
as a largely agricultural community, now embodies the quintessential American suburb. It has a mix
of residential, commercial, and industrial zoning that has made it more metropolitan. It is ideally
located between New York and Philadelphia making it an appealing location for ... Show more
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By this time the mechanical age had still not significantly impacted Piscataway. There were about
200 families (40 percent of the town's population) that did not live on farms. Despite this, their main
support system was farm labor and "hand trades" (blacksmithing, carriage–making, and milling).
Farming was a crucial part of Piscataway life; they had not yet been exposed to the technological
advances of the day as much of their labor was still performed by hand. Even though steel plows
and chemical fertilizers had been invented in the earlier 1800s; these were not used in quaint
Piscataway. The Civil War caused an economic boom and bust cycle in Piscataway's farm life. Farm
life prospered as inflation caused farmland in Piscataway to peak at $140 per acre, which is about
$2,477 in 2015. After the civil war, land prices then continued to decline until the 1900s. Also, the
expansion of factories and other forms of "urban employment" caused competition for laborers as
factories generally offered better wages. In 1870 the presence of new railroads brought a new
population of people who relied on the train system to get to work. This provided links between
Piscataway and the outside world as farm life began to decline. However, Piscataway still remained
largely rural (Meuly).
By the twentieth century, suburban development began, as more former farmland was developed to
create housing. Much of this was because family farms could

New Zealand 's National Parties
New Zealand's National parties 'social housing policy, 2014' is a very significant policy as it intends
to put a roof over people who are in need and also intends to better the health and wellbeing of
citizens and communities in Aotearoa. They do this by assisting them in getting a home where they
can gain some sort of sustainability in their daily lives. The social housing policy has been round for
a numerous amount of years and has changed over time with different political parties being part of
it. National is a neoliberal party but also a social democratic. Since National has come into
government. There has been a significant amount of change which has had negative and positive
effects on citizens and communities in Aotearoa and the factors contributing to the impacts of this
policy are social, economic and environmental impacts.
Social factors contributing to this policy are that National has made it possible for registered
community housing providers to access the same income related housing subsides as housing New
Zealand which is another social housing company, which means tenants who need social housing
will be able to access discounted rents (Hamilton, 2014). This will have a positive impact on citizens
in Aotearoa who need housing assistance as it will be more affordable for people on a low income to
be able to pay rent. Another social impact is that in the next three years National intends to support
3000 more New Zealand families in gaining the housing support

Permanent Housing For Homeless : Homeless
Permanent Housing for Homeless
Today, there are many problems that plague the world. And unfortunately, poverty is one of them.
Many people chose to ignore this issue, not only on a global scale, but also on a local scale. In
suburban areas, homelessness isn 't as obvious, but it is still an issue. Just because you do not see as
many homeless people on the streets as you do in Chicago, doesn 't mean it's not a problem here in
Elgin. There are a couple of shelters in the Elgin area, but they have limitations as to how long they
are open to the homeless. Usually, the homeless can only access them at night time between the
hours of seven pm to seven am and they have to go through a long process in order to stay. There are
other resources offered to them at these shelters, but none of the options include permanent housing.
Shelters are great for temporary relief but do not reduce the problem of people not having a
permanent place to stay. Having supportive housing will be a place that is stable for the homeless
and will provide them with the help they need. I feel that permanent housing and supportive housing
that is immediately available should be created for homeless and low income people.
Those who are against the idea of creating this kind of housing, say that it would cost the taxpayers
too much money to accomplish. The possibility is that their property value can go down and other
tax funded resources may be used to support the housing for the homeless. The taxes for the

Advantages And Disadvantages Of Build-Then-Sell
1.1 Introduction
Build–then–sell (BTS) concept and adoption of the system had been discussed and debated a long
time by various construction and properties related parties in Malaysia. The idea was originally
mooted in the 1980s and since then various attempts to implement the system had met with dead
ends (BTS Review, USM, Nor Aini). However the system was proposed again by our previous
Malaysia Prime Minister, Tun Abdullah Bin Ahmad Badawi as a way to promote better quality
housing and provide greater protection for home buyers. Therefore, the BTS delivery system was
introduced and implemented in April 2007 by the Malaysia government.
Build–then–sell concept will be executed together with the sell–then–build (STB) concept during
two years ... Show more content on Helpwriting.net ...
The aims and objective of this research is clearly stated in this chapter. The scope of study of this
research was significantly mention and the limitation in carrying out this research is clarified. The
details on research methodology will be discussed in chapter 3 while literature review for this
research will be discussed on the following chapter.
1.8 Chapter Outline
Chapter 1: Introduction Introduction of a report will be giving a brief expalantion on research title, a
general introduction to the study, aims and objective, scope f study, methodology used in this study
and conclusion.
Chapter 2: Literature Review In this chapter, the objective of the study will be discussed which is
the difference between sell then build(STB) and build then sell (BTS) as well as BTS advantages
and disadvantages.
Chapter 3: Research Methodology It consist of research method, data collection method, data
measurement method, method of analysis that carried out for the reseach.
Chapter

The Impact of Housing Benefits on Pregnant Teenagers
The Impacts of Housing Benefits on Pregnant Teenagers Abstract: UK Benefits System is
responsible for providing many deserving groups with financial and material support. As such we
consider the various factors that create beneficial opportunities for individuals. We delve into the
specific case of pregnant teenagers who make for a particularly deserving group with regards to
their special circumstances. Housing benefits are generally considered and their obvious socio–
economic impacts are recognized. Public Services in most developed countries are targeted towards
making lives convenient and hence productive. It is safe to say that a comfortable and secure life
promises to be a socially and economically prolific life. With regard to this, the United Kingdom has
successfully structured a social security system that aims to manage government expenditure and
efficient welfare provision with respect to credible claimants. The UK Benefit System is
concentrated towards a number of deserving groups such as the unemployed, senior citizenry,
disabled individuals, chronically sick individuals or bereaved claimants. (Emmerson & Leicester,
2002) The basic aim of this endeavor is to make lives of British citizens contented enough to ensure
a valid level of national contribution and of course give back to the needy. Not only will this help
them become more illustrious people but will also go on to pull them out of the unforgiving vortex
of vicious poverty. This system caters to the

Housing Persuasive Speech
Today, I am going to speak about the affordable housing in Pittsburgh .First let me tell about why
the affordable housing is preferred. People who live in affordable housing today want safe, decent
housing for the same reasons that we all do. The reasons are mainly to provide a nurturing
environment to raise their children. Another reason is to remain in the community where they were
raised or to become part of a community in which they want to settle. Finally, to live in an attractive,
safe environment that they can afford. People who need affordable housing are ones that are
employed as secretaries, school teachers, local government employees, restaurant workers and sales
clerks. These workers need affordable housing because of the wide gap ... Show more content on
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The completed Eastside and Bond apartment complex in East Liberty is perched directly above the
MLK East Busway transit stop, and is a block from amenities like Target, Giant Eagle and a plethora
of restaurants. In a sense, the apartment complex with 360 brand–new units is a perfect example of
how city living can be extremely beneficial to residents of any income bracket: great public–transit
access, close to grocery stores, and quality living conditions.
Unfortunately for Pittsburghers of lower– and middle–income means, living in Eastside and Bond
isn't attainable; a one–bedroom apartment there starts a $1,900 and two–bedroom units start at
$2,300. And a group of affordable–housing advocates are upset about it.
East Liberty Development Inc. statistics from 2015 show that East Liberty had 866 subsidized units,
comprising about 32 percent of the rental units in the neighborhood. This is actually one of the
higher percentages of affordable–units of any Pittsburgh neighborhood. However, these stats were
compiled before the completion of the 360 Eastside and Bond luxury units. Additionally, the waitlist
for subsidized housing in East Liberty is incredibly long and low–income residents have to wait
between two to five years to be

Housing Issues Of Housing Policies
"Housing in Context – The Right to Buy" Report for Management Board prepared by Caroline
Peters, June 2017 1. Introduction 1.1 Report purpose 1.2 Housing Policy 1.3 Report Content 1.4
Report Summary 2. The Right to Buy 2.1 Historical Policy 2.2 The Right to Buy 1980 3. Legislative
Framework 3.1 Legislation 3.2 Further Legislative amendments 3.3 Extension of Right to Buy 4.
Comparative Study – The Right to Buy Wales 4.1 Historical Policy 4.2 Legislative framework 4.3
Abolition of the Right to Buy 4.4 Comparison to Right to Buy England 5. Conclusion 5.1 Summary
of the report 5.2 Lessons Learned 5.3 Future Trends 6. References 1. Introduction 1.1 The purpose
of this report is to look at Housing in Context by ... Show more content on Helpwriting.net ...
As not all local authorities were keen to provide social housing, they found ways to sell their
housing stock. There was at that time legislation in place to enable this, but as the houses had been
built with government funds, these sales had to receive approval from the ministry of health. These
approvals were not forthcoming and, property prices were too high for many to afford. The onset of
WW1 impacted on sales during 1914–1938 due to restrictions and after WW11 the acting Labour
Government formerly opposed such sales. The Housing Act in 1952 revoked the Housing Act 1936
restricting requirement to obtain the best sale price for these properties and between 1952–1979 the
acting government granted various consents, in 1967, to prevent under–pricing, market value sale
price was introduced and remains so to this day. 2.2 The Right to Buy 1980 Contrary to popular
belief Right to Buy existed under the Conservative party before Margaret Thatcher was elected as
party leader or indeed Prime Minister. Over 370,000 properties were sold between 1952 and 1980,
this was largely down to the generous discounts offered and would have increased regardless of the
introduction of the Right to Buy legislation in1980. It is important to note that local authorities were
restricted on using monies generated by Right to Buy for rebuilding as these funds were reverted
back to the treasury and there was no policy in place to build

The City 's Housing Market
'Location efficient ' neighborhoods, and employment and recreational opportunities in walking and
biking distances are attracting more and more people to reside in the downtown core. Studies show
that, since 1976, the residential population has doubled, with more than 240000 people living in the
Area and the ownership share has increased by almost two times since 1996 (City of Toronto.
2014b). Accordingly, the City 's housing market is dealing with more and more housing needs
(CHBA, 2012; Landau, 2013). Also, Toronto Official Plan identifies the Area, as a place to
accommodate significant population growth by 2041 (Ontario. Ministry of Finance, 2014). As a
consequence, the value of land in the Area is extensively increasing and ... Show more content on
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To overcome the limitations in land supply, a number of municipal and provincial policies and
programs have been initialized to redirect growth, intensification to the existing built–up sites in the
Area. These policies promote transforming or conversion of brown–field sites (formerly–
deteriorating industrial and commercial sites) as well as improvement of the un–/under–utilized
lands and buildings, and at–grade parking lots, for high/dense condominium developments
(Pantalone, 2014). The City permits the conversion through re–zoning or re–designating of land
from one use to the other, which also overcomes the density controls imposed on those lands. For
example, employment or brownfield lands to mixed–use or residential developments (Lehrer &
Wieditz, 2009). The conversion of land from one use to another requires an amendment to zoning
bylaws and, sometimes, an amendment to the municipal Official Plan. This conversion is possible
when the developers make a S37 agreement, Density Bonusing agreement with the City of Toronto.
5.1.4 Housing Affordability Issues The City of Toronto is recognized for its highest market–based
economy and housing costs in the country (Wellesley Institute, 2014). In a market–based economy,
the market decides the major share of housing. Today, the market of housing is burgeoning on most
expensive

The Plan For Public Health And Safety
The next component of the General Plan is the plan for public health and safety which addresses
issues of: Geology and Seismicity, Flooding and Drainage, Noise, Air Installation Land Use
Compatibility, Hazardous Materials, Crime Prevention and Protection Services, Fire Prevention and
Suppression Services, Disaster Preparedness, Emergency Medical Facilities. The issue of geology
and seismicity is important to the Lancaster area at large due to its location being less than ten miles
south of the San Andreas Fault. Major earthquakes in the area present a problem for citizen's safety
and possible property damage. A similar issue is that of flooding and drainage. Because Lancaster
exists within a valley and is relatively flat, the area is prone to flooding. One of the current
propositions is to include flood water basins. The water basins to mitigate for the 100 year flood are
essentially large ditches on the corner of neighborhood streets. When a water basin sits in the middle
of a neighborhood it is not a functional part of the surrounding environment and can become an
eyesore in a community. This probably causes the NIMBY–ism around water basins, no matter how
beneficial they may be. Noise is a very prevalent issue in Lancaster, due to the amount of
aeronautical activity conducted on EAFB. The City has rezoned the flight area in order to decrease
the amount of overhead flights in the urbanized areas. This plan is mimicked in the Air Installation
Land Use Compatibility portion.

Women In Poverty In The United States
In the United States today, women are far more likely than men to have lived below the poverty line
at some point in their lives. One in seven women are living in poverty today, with the number
hovering right around 14.7% compared to 10.9% of men (NWLC, 2015). It is undeniable that that is
a serious wage gap in the United States with women making cents to every dollar that a man makes
for the same work, and on top of that women are often working lower paying "pink–collar" jobs in
the first place; for women of color, wages are even lower. Compound these problems with factors
such as domestic violence, children, and lack of healthcare and you can begin to see how dire of a
situation women living below the poverty line find themselves in. As an ... Show more content on
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Childcare would be a main concern, and affordable or even free childcare would be offered for the
residents children. This would allow for women to work outside of the home or go to school without
the added stress of worrying where there children are, who is taking care of them, and how much
that care is costing them. Childcare would also be beneficial to the children by giving them structure
and stability throughout their daily lives, something many of these children would be lacking. Apart
from childcare, the centers would also offer resources and programs such as GED courses, job
training, personal finance courses (for managing money, checkbooks, etc.), and even low cost health
care. GED courses are important for many women and could be instrumental in allowing that
woman to find a better job and eventually bettering her socioeconomic standing; with education
comes mobility, and women so desperately need some upward mobility to rise out of poverty. Job
training would also help address the lack of mobility that many women have. Through job training
programs, women could gain crucial skills such as how to dress and present themselves during their
job hunt and how to create a résumé, all of which could be helpful in finding a better paying, non–
pink collar

Literature Review
Literature Review – Accommodation Crisis in UK
Soaring prices of residential property in UK
Over the passage of time the value of residential property has increased around the globe and the
UK is no exception to this.All classes have become victim to this new wave of soaring residential
property prices across the UK. This new wave has pushed the poorest from a post to the pillar and
started the accommodation crisis in the UK. According to one survey held by Nationwide, only in
March 2014 the property prices in the UK have hiked by 0.4 percent. Now, less people own the
residential property and more are opting either for mortgaged property or property for rent.
However, it seems as a great opportunity for residential property owners as the ... Show more
(Property Wire, 2014)
Change in residential property market
The property researchers over the time have been releasing certain reports and surveys addressing
the problems faced by the residential property owners and the gradual increase in the residential
property prices. The recent reports released by property researchers shows a drastic change in
figures and how rapidly the residential property is changing (Property Wire, 2012).
Current residential market in the UK is under the dark cloud of hardships and the current situation is
no different than the one prevailing when Elizabeth II came into power in 1952.
The housing price in the UK since then has increased by more than 250 percent over and as a result
the accommodation crisis has increased greatly in the UK especially in London. (Property Wires,
2014)
Over the past decades, we have observed great changing in the housing market of UK. Over the
period of time the demands and requirements regarding housing have also changed, in short, the
housing property has part become a necessity, part luxury and investment.
Granting to the director of research Savills, "The mismatch demand for living accommodations and
supply and further transfer to smaller households shows that nation's surplus income is more aimed
towards housing, as a result of this investment in housing the prices of

The Problem Of The Homelessness Epidemic
Jacob Setton
How to end Homelessness in D.C.?
The chasm between the law and, the law as applied in practice is vast. The law provides funding for
homeless people, but this often leads to discrimination because it is so difficult to gain access to
these funds. Roscoe Pound, one of the most cited legal scholars of the 20th century, points out how
the "laws on the street" too often differ from the "laws on the books" and result in discrimination.
Homeless people suffer from government bureaucracy that makes it almost impossible for a
homeless person to successfully receive aid without help from others. The application process for
applying for aid is both strenuous and difficult, that requires a level of literacy skills and legal
expertise that would likely preclude an otherwise healthy person from becoming homeless in the
first place. In order to fix this injustice, experiments in the field of healthcare and government–
policy, must be applied to help the homeless in our community in D.C.. To solve the homelessness
epidemic, we need to expand collaborations between institutions that already exist in D.C.to help the
homeless and create a "housing first" plan that provides both rapid housing for the temporarily
homeless and permanent supportive housing for those who are chronically homeless. This policy
change may seem intuitive "give homeless people housing", however detractors argue that it is a
naive approach to a complex issue that also costs too much.

Homelessness : The New York City Shelter System
Homelessness in America Homelessness in America has been slowly decreasing since 2013. In 2014
the New York City shelter system reported an increase of seven percent, from 50,135 in 2013 to
53,615 in 2014. In 2013 more than 111,000 different New Yorkers looked to the shelter system to
give them safety, this is also including 40,000 different children. Overall homelessness has dropped
by at least 2.3 percent, homelessness has decreased among every subpopulation. Veterans make up
10.5 percent of all homeless people, Veteran homelessness has dropped down to 25.5 homeless
veterans out of every 10,000 veterans. The New York shelter system does more than provide places
to sleep. The New York, Times Square Homeless In–reach Center (Project FIND) provides a safe
place for homeless seniors where they can shower, get food, and a meal. They will connect them
with a social worker who can get them all of the benefits they need. It also gives them access to an
onsite clinic to assess their medical and mental health. Some homeless seniors lost touch with family
and friends, so they reconnect them with his/her supportive network. On average they place one
formerly homeless seniors in housing every five and a half days– all year long. Veterans make up
more than 10 ½ percent of the population in the United States, simply because what they've been
through prevents them from having normal lives. Veterans out number every other subpopulation of
homelessness. A majority of the states had

Homes for the Homeless
Homelessness is a major health issue around the world that needs to be addressed. Many individuals
in a community often misinterpret the cause of homelessness. Comments towards homeless people
such as "get a job" or "go to school" often are used freely by members of soci–ety because they fail
to look at the comprehensive of this oppressing issue. Homelessness has a strong link to the
determinants of health (DOH), most notably income and social status (Fingfeld, 2010). The article,
"No Funding for Homes for the Homeless" speaks on the issue of homeless–ness within the city of
Prince Albert. Furthermore, the article illustrates that homelessness is a community issue not solely
an individual issue. Therefore, this paper will discuss the ... Show more content on Helpwriting.net
...
The program coordinator verbalized that without the program the people in need have nowhere else
in the city to go for help (Froes, 2011). Refer to the appendix to view the ar–ticle. Homes for the
Homeless program is trying to assist members in the Prince Albert com–munity to overcome
barriers in order to have a second chance. More specifically, the program is doing its part to form
equity in health and assist with social justice in the community. As stated in A Population Health
Promotion Framework For Saskatchewan Regional Health Authorities document "the healthiest
societies are those in which there is a relatively small gap between the best–off and worst–off
members" (p. 5). However, no single program contains the resources needed to prevent
homelessness (Burt, Pearson, Montgomery, 2007). Therefore social action needs to occur in order to
keep the program doors open and to address the issue of homelessness.
Proposed Solution Critical social theory (CST) can be used as a framework to approach the issue of
home–lessness. "CST examines relationships of power and the underlying structures in society that
produce population inequities" (Grahms & Christ as cited in Mohammed, 2006). The theory looks at
inequities in relation to cultural, political, and economic aspects of society (Mohammed, 2006).
Further, the aspects of society that cause remedial differences can be

Black Political Actors, Methods And Approach
Black Political Actors
Methods and Approach Our group followed political races in Baltimore City focusing on the
Democratic races for Mayor and some city council districts. We limited our scope to six candidates.
Originally, they included former Mayor Sheila Dixon, State Senator Catherine Pugh, attorney
Elizabeth Embry, businessman David Warnock, City Councilmember Nicholas Mosby, and City
Councilmember Carl Stokes. Based on a Baltimore Sun/University of Baltimore poll, these
candidates placed in the top six within a crowded field. On April 13, however, Councilmember
Mosby dropped out of the race and pledged his support to Senator Pugh. Therefore, we included the
top five remaining candidates. Criminal justice reform and the economy were the issues candidates
discussed the most on the campaign trail. Given the events of Freddie Gray's murder and the city's
high unemployment rate, the emphasis on these issues is understood. Yet, these discussions did not
complement our research. Between January 2016 and primary day, only one housing related forum
was held. This forum focused on neighborhood revitalization, but did not address renter issues. At
another general issues debate, the Right to Housing Alliance asked the mayoral candidates the first
rent court question in nearly two decades. Thus, our group did not find it surprising that the
candidates offered little policy proposals on reforms for renters. On April 26, the Democratic Party
held its primary. Senator Pugh won

Homelessness Is A Basic Need And All Human Beings Essay
Shelter is a basic need and all human beings are entitled to it. Though some may have shelter, they
not find a home. Homelessness has become rampant throughout the US population. Each day more
and more people are reported not to have this basic need, sleeping in the streets and wandering all
day long. This has become a major area of concern for the government, social services providers and
social policy makers. The government through the US Department of Housing and Urban
Development has put in enormous efforts to combat the annual rise in homelessness but the situation
has not significantly been curbed. Last year, for instance, there were 92, 593 homeless people who
were reported to be chronically homeless. Although this is a 16 percent drop from 2010 statistics,
the current figure is enormous enough to give sleepless nights to policy makers and the federal
government. (US Department of Housing and Urban Development). This brings to question what
the real odds bedeviling access to proper shelter are. While there is interplay of numerous factors,
key among them is the rise in poverty levels. As the poverty index rises, so does the inability to
afford basic shelter units.
Many of the US state governments (majorly New York) have placed rent controls so as to make
housing affordable to its citizens. Landlords rent their housing units to tenants at government–
controlled prices. This is done by the introduction on price ceilings and price floors. Tenants are
therefore enabled

Improving The Performance Of Rapid Re Housing Programs And...
Alternative 3 – Home to Stay One way D.C. can enhance the performance of Rapid Re–Housing
programs and lower the rate of individuals/families returning back to homelessness is to emulate the
model that NYC has been following for the past few years. A few years ago NYC launched the
Home to Stay program (Bornstein, 2014). Home to Stay is a partnership between New York's
Department of Homeless Services and four other organizations committed to fighting homelessness
(Bornstein, 2014). Home to Stay uses an evidence–based protocol known as Family Critical Time
Intervention which is intended to motivate individuals and heads of families over nine months to
take an advantage of support services, such as addiction and mental health counseling, conflict
mediation, and improvement of job prospects (Bornstein, 2014). The program follows an extensive
and rigorous screening procedure in order identify and select the most vulnerable and needy
homeless individuals and families who must have access to the supportive services the program
provides (Bornstein, 2014). Though Home to Stay does not target the homelessness population as a
whole, program expansion is a future possibility. While there is no concrete data that measures the
performance of Home to Stay, testimonies from individuals and families that participated in the
program indicate that there is a promising future (Bornstein, 2014). Individuals and families that
were previously homeless believe that Home to Stay is a

Homelessness : A Costly Burden Of Unethical Behavior Essay
Homelessness: A Costly Burden of Unethical Behavior In the society of America today, there is a
large and wide migratory group of individuals that are without homes. The homeless can adapt to an
atmosphere that most of our structured society would find undesirable as they are usually without
sanitation, material possessions of monetary value and vastly unemployed; however, the homeless
can find themselves more comfortable, happier and fulfilled as a unit rather than an individual. After
review of the presented literature there is far more misunderstanding and ignorance on the approach
of the homeless populace. While most think homelessness can be rooted from a variety of mental
health illnesses, the laws and bans placed on the homeless has created an involuntary environment
of social conflict, effects on homeless people without shelter is established by forcing them to seek
costly alternatives ruled by the federal government. A commonly denoted theme relies heavily on
the data gathered suggesting mental health to be the culprit behind the start of a homeless person's
position whether it be through hospitalization, detention centers or inpatient treatment reported from
various research. Dennis P. Culhane et al, authors of "The Pattern and Costs of Services Use Among
Homeless Families," state that families with psychiatric needs of inpatient hospital services are in
higher demand of methods that continue providing services during and after the placement of the
individuals in

Key Characteristics Of Gentrification
Gentrification is the process of renovating and revitalizing undervalued and dilapidated residential
and commercial areas by the middle or upper class. It is driven by the notion called the "rent gap".
The "rent gap" is the difference between current rent and potential rental income. People will invest
in these deteriorated urban areas to obtain potential rent in the future. Consequently, once new
money flows in these areas, it forces rent to surge. High rents force low income residents to relocate
from the area. This is one of the key characteristics of gentrification, the displacement of local
residents. Gentrification is driven by both private investment and government policies.
Gentrification is a growing concern in New York. It causes ... Show more content on
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The Nation publication writes "Miguel Robles–Durán.....makes a convincing case that among the
most useful tools are limited–equity cooperatives of the kind established under New York's 1955
Limited–Profit Housing Companies Act, better known as Mitchell–Lama. Under these programs,
households own shares in a building, but the price at which they can sell their shares is limited for a
certain period of time, usually twenty years. These arrangements offer stability of ownership without
the skyrocketing prices that accompany real estate speculation." There are numerous benefits of this
program. Mitchell–Lama Housing projects promote economic and social integration in their
communities. They have become stable and burgeoning communities. The integral components in
ensuring the success of this program are maintaining the quality of the cooperatives and making sure
housing units over time are slowly pushed to market values. As the designated time for subsidized
rent ends, the surge in rents forces some households to leave the area. However, if there was a more
gradual increase in rent prices over time, then this would not be the case. Oversight of these
cooperatives is pivotal to their success. State Sen. Jeff Klein said that "The Mitchell–Lama program,
I believe, was probably the greatest housing program we ever created in New York State because it
was based on a very simple premise: that various

A Reflection On The Shelter At The Uu Fellowship Of San...
Introduction Participating in the overnight shelter at the UU Fellowship of San Luis Obispo, was an
eye opening experience. When people think of homeless people, right away they think of the
stereotypical description of a homeless person, such as dirty, on drugs, or mentally ill. I was one of
those people who had a stereotypical picture in my mind, but participating in this shelter changed
my perceptive on the description of homeless. As my shift began, I realized for the most part the
shelter was composed of single women, and two families, including the fathers. Most of the people
were already resting in bed, therefore there wasn't as much interaction between the volunteers and
the clients. I was able to interact with one of the families because they were out in the hallway with
their little boy. From this family, I learned that the father had a job, but he didn't earn enough to
provide housing for his family. The mom didn't work because she was taking care of her little boy
and she was 7 months pregnant. Since the shelter is only provided for overnight stay, the mom and
the little boy sometimes stay at the boyfriend's mother house during the day. In addition, I noticed
that these people have been at the shelter for quite some time. They were interacting among each
other as if they knew who they were, and I noticed each individual had their own specific bed.
Another thing I noticed was a young lady around 20 years old doing homework, which I assume she
must be either

Is3350 Unit 4
In 2000 the housing unit density for all of Mercer County was just over 74 houses per square mile.
The city of Sharon has the highest housing density in the entire county with almost 1,997 unites per
square mile. Considering this ratio there are more apartments and people renting rather than owning
their own homes to save space. The Northern Tier Area has the lowest density with just 22 houses
per square mile so there are no apartments just houses (Housing pg. 41–42). There are a total of
49,859 housing units in Mercer County and 93.7% are occupied. Roughly one third of Mercer's
housing units were constructed in 1939 or earlier. Compared to other counties this number is very
high. 99% of the county's occupied housing units have complete plumbing facilities and complete
kitchen facilities. This is great because it makes the citizens happy and content with their home. The
predominant housing unit design is the single–family detached home with around 75% of owned
houses. This is important because if people are owning their own homes rather than renting they are
more likely to stay in the community (Housing pg. 46). 16% of owned houses are cost burdened,
which isn't that bad of a number, however, it can be lower. 34% of renter occupied homes are cost
burdened. Compared to the state it is slightly less, which is a plus. The average ... Show more
Shenango Township has been trying to extend their water service south for the past few years. This
would most likely promote growth because the current services reach their full capacity. These water
sources include wells, Shenango River, springs, and Big Run. There are no planned improvements,
which I feel that there should definitely be some goals since the people rely on these services so
heavily. Some areas use a few million gallons of water per day. I feel that they should try to evolve
and better their systems for the future (Utility Services pg.

Affordable Housing For Elderly Or Disabled Persons Essay
Affordable housing for elderly or disabled persons The United States government provides housing
assistance for the elderly or disabled with low income statues through various programs in the form
of rental assistance or affordable housing. However, most of these governments housing assistance
for the disabled or elderly persons are managed through the local public housing authorities (PHAs).
Several other agencies providing the same government benefits includes the local Department of
Housing and Community Development, the individual State Housing Finance Agencies and the
Rural Development offices through the U.S Department of Agriculture (USDA). Additionally, some
financial aid channeled toward the housing assistance programs are retrieved from the U.S
Department of Housing and Urban Development (HUD) as well as the USDA's Rural Housing
Services. Within this paper, several aspects of the housing policy for the disabled and the elderly
persons will be delved into in brooder details. One major characteristic of the government housing
aid for the elderly persons is that they are overly subscribed with waiting lists that differ in length.
Currently, the government housing assistance accessible to elderly persons with low income status
include: the Housing Choice Voucher Program, the HOPE for elderly independence program, the
Rural Housing Services Rental Assistance Program, Local Rental Assistance Programs and the
Section 202 Supportive Housing for the Elderly Program.

Boston City : A Fast Growing Millennial Population
I. Executive Summary
Baltimore has a fast growing millennial population. Partnered with a slowly recovering economy
and new urban energy, there is as a chance to reinvigorate communities in the inner–city of
Baltimore. Baltimore benefits from its proximity to other East Coast cities, which have also
experienced growth, while remaining more affordable. Also Baltimore is willing to give a tax credit
for apartment builders, now available citywide; is an effort to inspire growth of the type of building
ideal for the younger population. In addition, a handful of businesses, such as Pandora Jewelry and
the expanding Under Armour, have moved to the city, serving as another anchor in Baltimore's
workforce; which would need more affordable housing, which is where leasing and land
development comes into play. By creating this considered alliance with Baltimore City, The
Hanover Engineering Company which has experience in all aspects of land development, including
residential subdivisions, commercial and industrial development. It will better position Hanover's
residential and land services to obtain more market share as this region of Baltimore continues to
grow and develop its communities.
II. Mission Statement
Land subdivision is the industry that paves the way for construction of buildings. The industry
services raw land and subdivides property into lots for sales to builders or into residential housing. It
can also include preparing the land for utility services and roads.

Regeneration in Public Housing Essay
Australia's public housing is not adequately providing safe and secure housing for the disadvantaged
and needy. This paper will demonstrate the issues that arise from the poorly planned public housing
developments, particularly the issues concerning spatial concentration of commission homes in low
socio–economic areas. Australian government agencies are currently exploring solutions to the
problems caused by public housing estates, developed primarily following World War II to address
the shortage of housing. These homes built around the period of 1940–1960 have created 'stressed'
suburbs (National Archives of Australia, 2011). The physical problems of aged infrastructure and
inadequately designed housing reflect only part of the issues ... Show more content on
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This paper suggests reforms for developments to incorporate broader selections of estates that will
be helped, which also should include low cost private rental areas. Moreover, it demonstrates the
need for urgent media attention on this issue to generate more funding towards these projects.
Concentrated Public Housing Concerns Research has shown that there is a cycle of negative effects
that result from highly concentrated public housing which further impacts on disadvantaged tenants
(Baum et al., 1999). Within this research, those residing in public housing estates and areas of
concentrated low income private rental housing were identified as the most disadvantaged, in terms
of employment, income levels and education opportunities ( Arthurson, 2008, p. 1). Public policy in
the field of housing needs to address the balance of social mix within older public housing estates to
prevent this continuous cycle. In the urban studies literature, this concept is variously referred to as
'social mix', 'tenure mix' or 'residential mix' (Athurson, 2002, p. 22). "Housing tenants from areas of
high concentrations of social housing are perceived as having significant associations, whether
rightly or wrongly, with a range of issues including antisocial behaviour, crime, welfare dependency
and depictions of a socially excluded underclass" (Arthurson, 2005). To remedy some of these
issues, the housing authorities have implemented various regeneration policies to

The Community Stability Act ( Csa ) Essay
The "Community Stability Act" (CSA) is a policy designed to reduce housing transiency in low–
income urban and rural communities by providing housing subsidies to low–income families, and
financial assistance to families at risk of or experiencing eviction. The CSA will alleviate poverty
through removing the various stressors associated with housing transiency, and have subsidiary
effects related to education and economic opportunity. This policy is predicated on one key
understanding. It is indisputable that the nature of the housing market has changed–– most urban
low–income households are spending a significant portion of their income (>50%) on housing
expenses. The present is an aberration of long held expectations–– that housing costs should not
exceed 30% of one's income–– and it needs to be addressed. However, the problem of housing costs
is multifaceted, and addressing it requires systemic changes (augmenting the power dynamic
between labor and capital in the U.S., fixating on public and affordable housing rather than private
development) that would not be practical in the current political environment, or in the foreseeable
future. This policy, in contrast, derives its attractiveness from how it can be framed, and the
widespread effects (from a geographical and socioeconomic perspective) that it will have. The CSA
will provide a housing subsidy to all parents of schoolchildren (aged four to eighteen). The subsidy
would reduce the family's housing costs to 30% of said

Life After Stroke Essay
Life after stroke
Stroke affects everybody differently, and it is difficult to say how much of a recovery is possible.
Many stroke survivors experience the most dramatic recovery during their stay in hospital in the
weeks after their stroke.
But many stroke survivors continue to improve over a longer time, sometimes over a number of
years. Their recovery is in fact a long period of rehabilitation, as they learn to deal with the effects
the stroke has had on them.
Rehabilitation is about getting back to normal life and living as independent a life as possible. It
involves taking an active approach to ensuring that life goes on for people who have had a stroke.
This can mean helping them to acquire new skills or relearn old ones. It may ... Show more content
on Helpwriting.net ...
It is possible that the assessment will find that caring for someone at home is not the best option. If
this happens, a social worker can help you investigate other accommodation options and other
sources of support.
Keeping a positive attitude
Negative emotions are normal
It is normal to feel angry, desperate, anxious or depressed after a stroke. You may feel worried about
work, money and relationships, and the tiredness caused by stroke can make things worse.
Your GP can refer you to a clinical psychologist or psychiatrist to help you understand and cope
with psychological symptoms.
Staying positive can help rehabilitation
Negative feelings can get in the way of progress, and it is important to concentrate on what you
want to achieve and to make the most of the support that is on offer.
Make the most of support in your community
Rehabilitation depends on a combination of support from a range of health professionals, social
services, financial support, and help from family and carers.
How family and carers can help
As a carer, you can help rehabilitation in a variety of ways: * You can help a stroke survivor to
practise tasks set by their therapists. * You can give emotional support to help them stay motivated
and positive. * You can learn skills to deal with specific challenges (such as helping the stroke
survivor move

Gender Differences Between Women And Women Facing Housing...
Because the program targets at homeless families' population, they are both men and women. The
analysis of CVA to this program has no significant influence on gender difference when both men
and women facing housing crisis and entering in the program.
Physical/material Capacities
 CCH provides temporary residence to clients, so that they can live in private apartment. Families
obtain more time and privacy in their own home, compared to live at the family shelter, where
families have to share restroom and kitchen with others. Living at private apartment, the family can
enjoy cooking with some older child sometimes, and they can have a private space to enjoy other
leisure. The apartment is a clean, safe and homely studio room. The program provides some basic
household essentials and furniture. A program staff is in charge of residential repairment to ensure
families live in a safe environment. CCH also is a drug and alcohol free program, so families do not
worry about exposing drug, alcohol, and smoking. In addition, children can play at the community
playground inside the resident area. The program enhances both women and men's capacity of
physical safety.
 CCH is a transitional housing program that aims to prepare homeless families moving in their
permanent home. It provides one–on–one case management meeting with the client once a week.
The case manage helps the client developments educational plan, and employment plan. Program
also provides on–site childcare

Social Housing Sociology
1 Introduction and Context of Study
1.1 INTRODUCTION
This study will assess the ability of the Private Rented Sector (PRS) taking on the responsibility of
housing homeless people especially families, as the number of homeless families in the UK is on an
increase.
In a newspaper article by The Guardian, June 2015 states official data published by the Department
for Communities and Local Government (DCLG), which revealed that there are 48,880 families in
England living in temporary accommodation, which is an increase of 25% in the last 5 years and a
13% increase in the last year alone and among these families there are 93,320 children.
Approximately 44% of families in temporary accommodation are led by single mothers while, 24%
are couples ... Show more content on Helpwriting.net ...
This can be due to a number of reasons such as a rising demand for homes in the private sector.
Social housing is available for anyone who wishes to start a tenancy in that sector, however in most
parts of the country there are insufficient houses in the SRS for everyone who might want one.
Therefore, social housing providers will identify and issue criteria that will determine which
household can gain access to social housing (Chartered Housing Institute, 2010). Using the
allocation process, social housing in England have a role in providing accommodation for the most
vulnerable in society e.g. homeless people, single parents people with low income etc. (Chartered
Housing Institute, 2010). This allocation process can however be seen as strict, and many people
who don't fall in to this category cannot access social housing, and thus the PRS in increasing being
used by local authorities and agencies to house homeless

Section 8 Housing Subsidy Program
In order to help meet housing needs for struggling families, the United States Government, through
the Housing and Urban Development (HUD), provides benefits to help those families pay rent and
support their own homes through the Section 8 Housing Subsidy Program. Carlson, Haveman,
Kaplan, and Wolfe (2011) found that an estimated 5.2 million Americans rely on the housing
vouchers, and the vouchers help "very low–income families, the elderly, and the disabled to afford
decent, safe, and sanitary housing in the private market" (p. 233). The family or individual is able to
lease a rental home with the help of the voucher and the voucher amount depends on the family's
income. The Section 8 Housing Subsidy Program not only provides a home for families

Essay on The United States: The Reluctant Welfare State
The United States is often referred to as a 'reluctant welfare state.' There are various reasons for this
description. One of the primary reasons for this is the differences and diversity of the political
parties which are the motivating forces that control government. The Liberal Party, for instance
supports government safety nets and social service programs for those in need. "Liberals believe in
government action to achieve equal opportunity and equality for all." ("Studentnews," 2006) They
believe it is the responsibility of government to ensure that the needs of all citizens are met, and to
intervene to solve problems. The responsibility of government is to alleviate social ills, to protect
civil liberties and sustain individual ... Show more content on Helpwriting.net ...
Supposedly, established to thwart the experience of dire poverty for most Americans upon
retirement, in reality it is an income transfer program whereby the comparatively rich subsidize the
poor, the widowed, the orphaned, and the disabled. However, Conservatives do support social
welfare services to the most susceptible members of American society. "But conservatives believe
that the most effective way to provide assistance is at the level of the individual states, in
conjunction with private, for–profit, market–driven and not–for profit non–governmental
organizations, and through faith–based social service programs." ("Studentnews," 2006)
Conservatives believe that welfare programs should not be funded solely based on 'need,' but the
costs and effectiveness should be taken into effect. The terms liberal and conservative more widely
apply to the Democratic Party, which generally upholds liberal principles and the Republican Party,
which generally upholds conservative principles. It is this division of thinking between the
Democrats and the Republicans that contributes to the United States being considered a reluctant
welfare state. Throughout history there have been shifts in power between the two parties. This
transfer of power greatly impacts the rise and fall of our social service programs and policies.
European countries have had welfare programs that are relatively stable; however, the American

Mauritius, Social Housing: Social Movement and Low Income...
Mauritius: Social Housing
Social Movement and Low Income Housing in Mauritius
Abstract: The Republic of Mauritius has been a model success story in both economic and social
progress among both the African nations and the whole world. Despite many odds, the country has
made tremendous economic progress and has succeeded at the same time to uplift significantly the
living standards of the population in general. This paper gives an overview of the matter of the low–
income housing in Mauritius. The first part of the paper gives the economical background and the
evolution of the social movement in Mauritius. The second part introduces the current housing
conditions and the situation of poverty and low–income groups in Mauritius. Finally the ... Show
more content on Helpwriting.net ...
5 Source: UN Statistics, from WorldBank.org 6 Source: http://hdr.undp.org 7 Mauritius Ranking
64th out of 156 countries with 5.5 points, on a 0–10 scale, 0 being extremely unhappy and 10 being
extremely happy
compulsory education up to age of 16. Health care including tertiary care, like heart surgery) is
also free. Basic foodstuffs (rice and flour) as well as housing for lower middle–income group are
heavily subsidized. Income support is provided to household with low income. The government
provides annual grants to a number of NGOs that cater for the specific needs of handicapped
persons and vulnerable groups (Deerpalsingh, 2011). There are also price controls on some other
commodities such as cement, petroleum products, bread, onions and edible oils. The state plays a
key role in social welfare and security. In fact, expenditure on community and social services
attracts the largest share of total government expenditure. The percentage out of total government
expenditure spent on health, education, social security and welfare, and housing, over the period
1980 to 1988 averaged 43% and by 1999 was as high as 52%. Preferential access to markets in the
European Union and the USA has facilitated this strong welfare state (Bundoo, 2006) The
construction of a comprehensive welfare state in Mauritius did not emerge out of a smooth and
steady process. Each of the three episodes of welfare reform – the formal

The Bedroom Tax: Is It Fair? Essay
THE BEDROOM TAX – IS IT FAIR? Mention the words "bedroom tax" in conversation and the
responses range from firsthand accounts of people being evicted from their homes to newly
bereaved pensioners faced with the prospect of losing their homes because they can't afford the rent.
You can't fail to have heard horror stories of desperate pensioners such as Stephanie Bottrill feeling
suicide to be the only way out (DAILY MAIL, 2013) or a middle aged man "sick of all this shit..."
slitting his throat in a benefit advice office. (DAILY MAIL JULY 2013) Is it fair to persecute the
most vulnerable members of society? That all depends on how you define fair. The bedroom tax, or
under–occupancy charge as the government prefers it to be known, was ... Show more content on
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Unsurprisingly, this figure is also hotly disputed by Rachel Reeves, Shadow Secretary for Work and
Pensions who said "This research is another nail in the coffin for David Cameron's crumbling case
for the bedroom tax. Labour has repeatedly warned it could end up costing more than it saves."
(THE INDEPENDENT, 2013) What is fair about forcing older people from homes where they have
lived and raised a family for decades because their children may have flown the nest? Is it fair to
reduce the benefits of a disabled person who is unable to find a smaller home with the crucial
adaptations they need to be able to live independently? It is thought that as many as 660,000
families have been affected by the tax, facing average cuts in benefit of £14 per week (CRISIS,
2013) The tax punishes the most vulnerable in society – the poor, sick, bereaved and disabled.
Whether you are recently separated and sharing care of your children, using the space to recover
from illness or a disabled person in an adapted home, if you are deemed to have a "spare" bedroom,
then you will lose out. The tax has spawned legal appeals from the disabled, countless protest

Pros And Cons Of Vacant Homes
Across the United States, vacant homes are sitting useless and have a negative impact on the
housing market. According to census.gov (2018), at the end of 2017, the vacancy rates of homes
were 6.9% for rentals and 1.6% for homeowners. Thousands of homes are sitting empty when they
could be demolished to benefit the housing market or repurposed to benefit someone else. This is a
problem that needs to be solved so that homeowners, the economy, and communities can reap the
benefits. Although vacant homes are a large issue, it is important that the pros and cons of
bulldozing homes are heavily weighed before choosing whether or not demolition is performed.
There are many homes in the U.S. owned by banks that have become vacant, and these houses ...
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Renovating would mean that the money being used is not wasted on destroying a home, but put into
something beneficial to society. According to the U.S. Department of Housing and Urban
Development (2014), "Empty homes can become assets in neighborhood stabilization and
revitalization that can be renovated and reoccupied." After renovation, the homes can be rented or
sold as commercial properties to small business owners to be used as an office or work space.
Furthermore, these businesses would attract people to the communities that they are located in,
which would bring in even more money for the area. The business that purchases the property would
need workers on site as well; therefore more jobs would be brought into the surrounding community.
If the bank or government did not want to spend the time and effort it takes to renovate and sell
properties, there are companies that buy homes that are in need of revitalizing so that money can be
brought into the economy when the home is sold. Furthermore, if the bank could not financially
justify selling or renting the renovated house, the bank could sell the home to a land bank. Land
banks can purchase property for future development; therefore, the banks could sell vacant homes to
these companies in order to ease the

The City Of Dallas Housing Development Program Evaluation
In looking at the City of Dallas Affordable Housing Programs, the focus of this report will be in the
form of a two–part series. The first part will be a program evaluation that examines the quantitative
numbers or measurable objectives, goals, & achievements as established by the City of Dallas
Community Development & Housing Department over a five–year consolidated plan period; and the
second part will be a program analysis that seeks to take this quantified data of the program
evaluation and really measure how effective these Dallas housing programs have been in not only
achieving pre–determined objectives and goals but in changing low–income area housing buying
trends; through creating more housing choices for low–to–moderate income families; in bringing
about more mixed–income neighborhoods; improving infill affordable housing development
opportunities; thru providing financial and training opportunities of minority businesses; etc.
Introduction
City of Dallas Housing Development Program and Infill Evaluation
(Current Snapshot 2008/9 – 2013/14)
The program evaluation of the City of Dallas Housing Development programs will consist of a five–
year review (2008/9 – 2013/14) of quantitative data available through public records of Dallas'
General Funds, HUD Consolidated Annual Performance and Evaluation Reports (CAPER), HUD
Annual Action Plans, etc. The program evaluation for the purpose of this snapshot, will factor those
programs or activities that will effect

The Benefits of a Gender-Neutral Housing Facility
Introduction There are at least 54 universities and colleges which have, in the past 10 years, instated
the gender–neutral housing and option for the students (National Student, 2012). These options have
been implemented in various different ways in the colleges and universities. There are universities
such as the Brandeis University that only provides the upper–class students with the option of
gender–neutral housing whereas, in the Hampshire College, students from any year can have any
roommate that they want even if they are from the opposite sex. Rutgers University also allows the
upper–class students with the option of living in gender–neutral housing; this option was
implemented in the university after a student committed suicide as he was being victimized by a
homophobic. In case of Harvard University only the self–identified transgender students are allowed
to live in the gender–neutral houses. The possible reason for this increasing trend of gender–neutral
housing in many colleges and universities is the fact that these universities have accepted the fact
that the sex–segregated housing can't fulfill the needs of all the students studying and living there
(Students for a Democratic Society, 2012). This paper thus analyzes the impact that the growing
popularity of gender–neutral housings has had on the overall academic environment. The gender
group chosen for this paper is the stereotypes of the self–identified homosexuals. What are the
advantages and

Overview Of Housing Microfinance

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