Affordable housing

“There are 1.56 million homeless people that used an emergency shelter or transitional housing program this year alone” (Family Promise of Greater Orlando) There is also a capricious number of destitute people living on the streets. One story in contrast would be by a man known as Steve Lopez. Steve Lopez, author of the book The Soloist, gives us an inside on the daily life of a middle aged man known by the name Nathaniel Ayers. Ayers, talented musician, has been living on the streets of Skid…

The effects of local and national politics on racism in postwar Detroit. According to Sugrue, “...most important in shaping the concept of race in the postwar period, I argue, were local and national politics.”(9) While both local and national politics played key roles in the shaping of postwar Detroit, local politics had the greatest impact, good or bad. Under pressure from national groups, such as the NAACP and UAW, congress passed several laws that helped lift the racial boundaries and bias…

As the number of homeless people in the country keeps growing, we wonder what is being done or what has been done to improve this social issue. For most people, when they hear the word homeless they imagine a person that sleeps on a sidewalk, under a tent, or under a bridge. We often fail to realize that the definition of homelessness goes beyond what we imagine. According to the McKinney-Vento Homeless Assistance Act, a homeless person or family is someone who lacks a fixed regular residence…

13007: Indian Sacred Sites In addition, there is the: Community Reinvestment Act (CRA) which congress pushed through in 1977 to reduce discriminatory credit practices against low-income neighborhoods. The Federal Housing Administration (FHA) Put into place in 1937 in order to improve housing standards and conditions, as well as providing mortgage insurance on loans in order to stabilize the mortgage…

countless American families. This was caused by the housing bubble in which house prices peaked to unsustainable values and then burst causing a depreciation in property value. The consumers bought properties at astronomical prices. In order to pay for these properties, the consumers had to take out loans in which a limited financial background check was done to see if the individual could keep up with the payments. Due to the extreme cost of housing, the consumer was not able to pay back the…

government, or regulators. Was significant after the housing market bubble busted, the government become more involved in the banking industry and issued new government regulations and the government, also had to bail out some of the other lending companies. Another impact on societal stakeholders was the community lost all confidence in Wells Fargo to do responsible banking. Undoubtedly, Wells Fargo did not have a CSR filters in place until after the housing market burst and they found…

This essay will assess the value of individual reparations against corporation funding for social change. In doing so this essay will address slavery outside of the plantations. It will specifically assess the long-term effects of socioeconomic slavery and how best to calculate and address reparations. Should the U.S. government provide reparations for slavery? The answer to this is a definitive yes. The purpose of this essay is to determine how to scale this. It would require large scale…

Life in the 1950s vs. Today In comparison with recent times, throughout the 1950s, there was equal unemployment, more births, less women employed, a movement from large cities to the suburbs, housing shortages, changes in health, changes in transit, and multiple corporations maximized. Although some of these can be deemed negative, it always shapes history and leads us to where we are today. The 1950s decade became known as the “Baby Boom”. There was a prediction of 5 million births by the end…

must meet certain criteria for health and building codes and there are a number of qualifications to meet as well. It helps with the transition of relocation. It also ensures that the banks have an excellent tenant until the house is sold. The housing crash meant a lot of homeowners suddenly became renters. If you rent after your foreclosure, look for a landlord who participates in Experian’s “RentBureau program”. Timely rental payments are reported and can also help boost your credit score.…

The nation 's inner cities and suburbs appear to be racially segregated because of the policies of Federal Housing Administration (FHA) and Home Owners Loan Corporation (HOLC) in the past. The HOLC was signed into law on June 13, 1933 by the request of President Roosevelt. HOLC devised an appraisal system that undervalued neighborhoods that were dense, mixed, or aging. In this appraisal system, the green A area, as the first grade, was a new, homogeneous, and suitable to live in; the blue B, as…