Foreclosing on the American dream? The financial consequences of low-income homeownership

Federal programs have consistently encouraged ever-lower-income households to buy homes, despite concerns about the long-term sustainability and desirability of homeownership from the perspective of wealth-building, especially since the recent housing market collapse and the epidemic of mortgage foreclosures. We ask in this paper: can very low-income households build wealth through sustainable homeownership, with the aid of an innovative public program? We answer this question by examining 122 very low-income households who purchased their homes between 1996 and 2007 after completing an extensive asset-building and homeownership education/counseling program offered by the Housing Authority of the City and County of Denver (DHA), called HOP. We analyze our own longitudinal surveys and focus groups, as well as data compiled from administrative agency sources, real estate records, and longitudinal census data from the Neighborhood Change Database and the Piton Foundation's Neighborhood Facts Database. We find that homeownership attained through HOP typically did provide very low-income households with opportunities to build home equity (both absolutely and relative to generic homeowner cohorts in Denver) and net wealth, although this was contingent on time of purchase and ethnicity. Our multivariate analyses revealed that changes in annualized home equity appreciation were associated with the ethnic composition of the neighborhood and age of property. Annualized wealth accumulation was associated with annualized home equity appreciation, being married throughout the tenure of homeownership, and year of home purchase. HOP homebuyers received exceptionally favorable initial mortgage terms and conditions, often enhanced with down-payment assistance from their own DHA escrow account or from local housing and neighborhood development organizations, resulting in a dramatically low rate of default and foreclosure to date. Moreover, HOP homebuyers were not immune to financial stresses, and the continuing lack of wealth for many makes them vulnerable to future interruptions in primary wage earner's employment or health. We discuss the implications for low-income homeownership policy and argue that the goal of expanding homeownership opportunities should not be abandoned.     

Discourses of morality and truth in social welfare: the surveillance of British widows of the First World War

Drawing on Sarangi and Slembrouck's work on the language of State-sanctioned bureaucracy, this paper will explore one of the ways in which this developed in Britain in the early twentieth century. Looking in particular at the war widows' pension scheme as implemented under the Royal Warrant of 1916, this paper will explore how the first (financially) non-contributory pension, and the first specifically directed towards women in Britain, developed a system of State-sanctioned surveillance and parsimony that continues to this day. The data used draw upon a number of individual case studies, showing how the State saw part of its role as the obligation to subject women to scrutiny and judgement, making infidelity and misbehaviour grounds for the denial of their widows' pension. As this article will explore, a wide variety of agents positioned themselves as, in some way, responsible for the moral surveillance of widows and even the most gossipy reports appear to have been treated with some degree of seriousness. This article will illustrate how a “new” type of bureaucratic relationship developed between State and citizens in the early twentieth century that remains in place a century later.     

Stretching the limits of "rights talk": securing health care entitlements for children

Health care rights by their very nature have to be considered not only in a traditional legal context structured around the ideas of human autonomy but in a new analytical framework based on the notion of human interdependence. "A healthy life depends upon [social] interdependence: the quality of air, water, and sanitation which the [state] maintains for the public good; the quality of one's caring relationships, which are highly correlated to health; [as well as] the quality of health care and support furnished officially by medical institutions and provided informally by family, friends, [and the community]."     

The Analysis of Extracurricular Activities and Their Relationship to Youth Violence

The purpose of this study was to examine how extracurricular activities relate to rural youth violence. Gender differences were examined across all of the study variables. Self-report data were collected from 235 teenagers from a rural, ethnically diverse, Virginia community. Correlations revealed a significant inverse relationship between church activity and weapon carrying. Time in non-school clubs (B = .444, p = .000) was the best predictor of fighting frequency for boys. Time in non-school clubs (B = .315, p = .001) and time in religious activities (B = −.291, p = .003) were the best predictors of weapon carrying for boys. Time in extracurricular activities (B = −.267, p = .016), time volunteering (B = .262, p = .007), exercise frequency (B = −.221, p = .046), and number of sports team memberships (B = .240, p = .021) were significant predictors of fighting frequency for girls. None of the activity participation variables were predictive of female weapon carrying. Findings suggest that different types of extracurricular activities are predictive of violent activity. Deanna C. Linville is an Assistant Professor in the Marriage and Family Therapy program at University of Oregon. Received Ph.D. from Virginia Tech in Marriage and Family Therapy. Major research interests are international adoption, collaborative healthcare, and youth resilience. Dr. Angela J. Huebner is an Assistant Professor in the Department of Human Development at Virginia Tech in Falls Church, Virginia. Her research interests include examining adolescent risk and protective factors in context as well as studying the effects of U.S. military deployments on adolescents in military families.     

The biomedical researcher and subpoenas: judicial protection of confidential medical data

An increasing number of medical researchers are being subpoenaed to testify or to supply records in cases in which they have not agreed to become involved as expert witnesses. The researchers' published works are alleged to have formed the basis of the opinions of physicians testifying as expert witnesses in these cases. Although the courts usually protect confidential medical data, the considerable burden of quashing these subpoenas is still imposed upon researchers and their universities. This Article argues that courts should protect these research records from subpoenas.     

Do Mothers and Teens Disagree About Sexual Communication? A Methodological Reappraisal

This study investigated whether parent–teen disagreement in reports of sexual discussions is due to methodological factors. Forty-four mothers and their 12- to 15-year-old daughters (n = 18) and sons (n = 26) completed parallel questionnaires including measures of communication about 18 different sexual topics during the teen's entire life and during the past year. Analyses examined whether congruence rates were influenced by the use of global as compared to specific items, assessment of conversations during the teen's entire life as compared to the past year, and use of forced-choice as opposed to continuous-response categories. Taken as a whole, results support the notion that methodological limitations are partly responsible for lack of congruence in parent–teen reports. Suggestions for methodological improvements in future research are discussed.     

Perceived Conditions of Confinement: A National Evaluation of Juvenile Boot Camps and Traditional Facilities

In a national study of juvenile correctional facilities, the perceived environment of 22 juvenile boot camps was compared to the perceived environment of 22 traditional facilities. Self-report surveys completed by 4,121 juveniles recorded information on demographics, risk factors, and perceptions of the facility's environment. Compared to juveniles in traditional correctional facilities, boot camp residents consistently perceived the environment as significantly more controlled, active, and structured, and as having less danger from other residents. Boot camp juveniles also perceived the environment as providing more therapeutic and transitional programming. Overall, from the perspective of the juveniles, boot camps appear to provide a more positive environment conducive to effective rehabilitation considering almost allof the conditions measured. A major concern is that in both types of facilities, juveniles perceived themselves to occasionally be in danger from staff (rated as rarely to sometimes).     

Defining Asia Capabilities for Australia's Public Service

Twenty‐three years ago, questions posed in this journal asked whether and how the Australian public service was prepared to engage effectively in Asia. More recent meta‐analyses of public policy scholarship suggest that Western policy scholars and administrators continue to pay limited attention to Asian policymaking, despite the rise of Asia in the 21st century. This article contributes a research‐derived Asia capabilities framework for Australia's public service, distilled from a qualitative study with public administration leaders at Commonwealth, state, and local government levels. It taps scholarly literature in ‘cultural intelligence’, global leadership competencies, and training to provide a robust conceptual underpinning for the framework. The framework defines the knowledge, skills, capabilities, and experiences vital for Australia's public service to engage effectively with the region in a rapidly changing policy environment.