Suchergebnisse

published_or_final_version ; Urban Planning ; Master ; Master of Science in Urban Planning

This study investigates the purchase and consumption of a house. An interpretive methodology was used, which resulted in multiple indepth interviews with fourteen informants and ten months of participant observation with Appalachian Mountain Housing building two houses for needy consumers. Chapters two to four describe the major emergent themes from the study. Specifically, chapter two looks at the house as a constraint on consumption. The purchase of a house channels a large portion of the consumers resources into payment of the mortgage and purchase of complementary items, and constrains future consumption. Chapter three examines the transformation of a house into a home, and describes four ways by which the informants for this study made this transformation. Chapter four provides an interpretation of the emergent themes discussed in chapters two and three, and suggests the home is a continuously evolving entity. The home changes both physically and symbolically to reflect changes in the lives of the informants. Chapters five and six connect the findings of this study to the existing literature on consumer acquisitiveness. Specifically, chapter five discusses materialism in the context of the purchase of a house, and concludes that the experiences of the informants for this study are substantially different from the existing theories of materialism. This may be due to nonmaterialistic informants, but it may also reflect inadequate theories of materialism. The ideological assumptions of current theories of materialism are examined, and the study concludes an ideological bias exists. Some of the results are then reinterpreted using political ideology as a guide. The chapter concludes with a discussion of the impact of children on materialistic consumption. Chapter six expands on McCrackens (1988a) theory of Diderot unities and the Diderot effect to better understand the findings of this study. McCrackens theory is expanded by integrating 1) sources of the correspondence between possessions and certain cultural categories; 2) meaning extraction and creation; 3) the extended self; and 4) materialism. The results of previous chapters of this study are then reinterpreted in light of the integrated model. The study concludes with a summary of the findings, and a discussion of the contribution of the study, as well as limitations and future directions for subsequent research. ; Ph. D.

Frontmatter -- Contents -- Tables and Figures -- Contributors -- Chapter One. Introduction: Social Stratification, Welfare Regimes, and Access to Home Ownership -- Chapter Two. Home Ownership and Social Inequality in West Germany -- Chapter Three. Home Ownership and Social Inequality in France -- Chapter Four. Home Ownership and Social Inequality in Belgium -- Chapter Five. Home Ownership and Social Inequality in the Netherlands -- Chapter Six. Home Ownership and Social Inequality in Denmark -- Chapter Seven. Home Ownership and Social Inequality in Norway -- Chapter Eight. Home Ownership and Social Inequality in Italy -- Chapter Nine. Home Ownership and Social Inequality in Spain -- Chapter Ten. Home Ownership and Social Inequality in Britain -- Chapter Eleven. Home Ownership and Social Inequality in Ireland -- Chapter Twelve. Home Ownership and Social Inequality in the United States -- Chapter Thirteen. Home Ownership and Social Inequality in Israel -- Chapter Fourteen. Summary and Conclusions -- Index

Norman Ginsburg's article, Home ownership and socialism in Britain: A bulward against bolshevism, CSP, Issue 7, contains a programme for action which might have made good sense following a Labour victory in the recent election. It now seems clear that this programme is unrealisable. The article aims to and an alternative socialist programme based on universal home ownership.

Abstract.  We study the extent to which differences in home ownership investment are caused by differences in information known about the property. We study the advantages accruing to buyers who have complete information and who can pay less than the equilibrium price if sellers undervalue their properties. The reduction in home ownership investment can increase consumption or investment in other assets. We develop an empirical model to capture the gain to such buyers. We estimate this to have been 12.6%−27.6% of the equilibrium price of houses at maximum in the Tokyo metropolitan area during the 1980s.

published_or_final_version ; Politics and Public Administration ; Master ; Master of Public Administration

The United States government has promoted home ownership for over 50 years. The U. S. tax code provides a tax exemption on income earned on state and local mortgage revenue bonds issued to finance home ownership subsidy programs. The president's tax proposals to Congress would eliminate federally tax-exempt mortgage revenue bonds (MRBs). A total of 45 state housing finance agencies (HFAs) issue MRBs and impose income limits on program participants even without a federal requirement to do so. In 1983, a U.S. General Accounting Office report concluded that most MRB-financed single-family housing programs aided higher-income households in the majority. This author's study found, however, that the majority of assistance went to low- and moderate-income households. One-third of the HFAs did provide a majority of assistance to higher-income households. The study conducted for this article determined that the income limit imposed on program participants was an effective control on the degree to which low- and moderate-income households were program beneficiaries. The existence of legislative and executive oversight powers did not, however, have a significant impact on single-family program performance. National income limits or income-limit guidelines could result in greater target efficiency in home ownership programs.

The effect of discrimination on black-white racial segregation is studied using a confidential supplement of the Panel Study of Income Dynamics (PSID). Audit studies reveal that the rate of discrimination in rental housing is substantially higher than in owner-occupied housing. Thus, a variable indicating home ownership is used to proxy for the discrimination rate faced by blacks. The fixed-effects estimates of segregation imply that home ownership is associated with a decline in black-white segregation. This effect decreases slightly at higher income levels but increases substantially with the education of the head of household. Evidence is presented that the effect of discrimination on segregation disappears in cross-sectional data but reappears when using a panel and controlling for fixed-effects. The findings of this study suggest that increased government enforcement of fair housing laws may have a quantitatively different effect on different segments of society and that future research on racial segregation should emphasize the use of panel, as opposed to cross-sectional, data.

'Active ageing' has become core to ageing policy internationally. This paper argues that housing, and specifically home purchase, is fundamental to the governance of active ageing in liberal welfare states such as Australia, the UK, the US and Canada. Specifically, the paper expands understanding of how neoliberally inflected active ageing agendas are advanced in conjunction with housing consumption, and builds new knowledge of the governance of asset-based welfare, the investor subject, and housing marginality, showing how these practices and identities are governed temporally through ideas about what it means to age well. Arguments are advanced through analysis of Australian government ageing and age-connected housing strategies in the 20 years to 2015. These strategies construct three key connections between housing and ageing. First, housing is framed as a base (or location) for active ageing, with secure, appropriate and affordable housing depicted as enabling participation. Second, home ownership is positioned as an individual responsibility. In this framing home ownership becomes a 'choice' and means through which individuals can demonstrate responsibility by self-insuring against the fiscal risks of older age. Third, home ownership is connected to the activation of ideal ageing identities by enabling home owners as productive agers (the home as a form of income) and active consumers (home as a resource to fund prudential and age-defying consumption in older age). Significantly, in framing home ownership as an individual responsibility and choice the importance of structural factors shaping housing access are downplayed. This is a question of key geographical significance, foregrounding an interlinked agenda of not just how, but where, ageing should take place.