The potential and limitations of mortgage innovation in fostering homeownership in the United States

Abstract

This article presents an empirical analysis of mortgage innovation as a vehicle to enable renters, especially those from traditionally underserved populations, to realize home‐ownership. It examines the financial and underwriting criteria of a typology of mortgage products, from those adhering to historical standards to some of today's most liberal loans, and develops synthetic models to account for all direct purchase costs. These models are calibrated using 1995 data on renter demographic and financial characteristics from the Survey of Income and Program Participation.

Compared with historical mortgages, today's more innovative loans increase the number of renters who could hypothetically qualify for homeownership by at least a million and expand potential home‐buying capacity by $300 billion. Certain policies could greatly expand the potential gains. Nevertheless, even the most aggressive innovations can play only a limited role in efforts to deliver the material benefits of homeownership to underserved populations.     

Marital Violence: Is it a Factor Affecting the Reproductive Health Status of Women?

The aim of this study is to determine the effects of violence on the reproductive health of women and utilization of reproductive health services. The study population consisted of 250 married women aged 15 to 49, selected from patients at two different hospitals’ obstetrics and gynecology clinics in Ankara, Turkey. A data collection form and the “Scale of Marital Violence Against Women” were used to obtain data. According to the study, women who have lower education levels and who first experience marriage and sexual intercourse at a younger age suffer from violence more frequently. Women experiencing violence have higher gravida and para numbers. The majority of these women has not undergone appropriate prenatal care and delivered their babies under the supervision of a health care professional. These women have been using traditional and ineffective contraceptive methods. Marital violence has led to unfavorable effects on these women’s reproductive health and utilization of reproductive health services.     

Selective or Generic Activism? Types of Participants,Political Action Repertoires and Mobilisation Capacity in a Post-Communist Society

This study develops and tests two arguments for how repertoires of political action are reconfigured in post-communist Romania. Using multivariate statistical analysis, it examines whether citizens' engagement in post-communist politics is linked with generic socioeconomic and attitudinal traits or, alternatively, if it is connected with selective mobilisation opportunities provided by social networks and organisations. The findings reveal that while most Romanians are politically inactive two decades after the fall of communism, those who engage in politics do so selectively and their political action repertoires are largely influenced by four mobilising agents: trade unions; political parties; social networks; and civil society organisations.     

Deaths Related to Tractor Accidents in Eskişehir,Turkey: A 25‐Year Analysis

This study aimed to analyze deaths related to tractor accidents in Eski?ehir Province and characteristics of these cases to provide data and suggestions along with the literature. The cases involved individuals died due to tractor‐related accidents were retrospectively examined between 1992 and 2016 (25‐year period). Demographic data related to the cases and crime scenes, characteristics of events, and autopsy findings were evaluated. In the 25‐year period, 61 individuals (88.5% males, average age: 48.7 years) died due to tractor accidents in Eski?ehir Province, and approximately 45.9% of these accidents most commonly involved tractor rollover. Deaths due to tractor accidents will be decreased by raising awareness among tractor drivers, preventing young individuals from driving tractors, not allowing individuals to drive without license, making mechanical and physical features of tractors suitable for agricultural activity to be performed, ensuring their safety for travel and use, and avoiding carrying passengers on tractors.     

Lessons learned from inter-laboratory studies of carbon isotope analysis of honey

Forensic application of carbon isotope ratio measurements of honey and honey protein to investigate the degree of adulteration with high fructose corn syrup or other C₄ plant sugars is well established. These measurements must use methods that exhibit suitable performance criteria, particularly with regard to measurement uncertainty and traceability – low levels of adulteration can only be detected by methods that result in suitably small measurement uncertainties such that differences of 1‰ or less can be reliably detected. Inter-laboratory exercises are invaluable to assess the state-of-the art of measurement capabilities of laboratories necessary to achieve such performance criteria. National and designated metrology institutes from a number of countries recently participated in an inter-laboratory assessment (CCQM-K140) of stable carbon isotope ratio determination of bulk honey. The same sample material was distributed to a number of forensic isotope analysis laboratories that could not participate directly in the metrological comparison. The results from these studies have demonstrated that the majority of participants provided isotope delta values with acceptable performance metrics; that all participants ensured traceability of their results; and that where measurement uncertainties were reported; these were fit-for-purpose. A number of the forensic laboratories only reported precision rather than full estimates of measurement uncertainty and this was the major cause of the few instances of questionable performance metrics. Reporting of standard deviations in place of measurement uncertainties is common practice outside metrology institutes and the implications for interpretations of small differences in isotopic compositions are discussed. The results have also highlighted a number of considerations that are useful for organisers of similar inter-laboratory studies in the future.     

Democratic BRICS as role models in a shifting global order: inherent dilemmas and the challenges ahead

India, Brazil and South Africa constitute an important subset of Brazil, Russia, India, China and South Africa (BRICS) and emerging powers at large in a shifting global order. The article examines the capacity of these democratic BRICS to serve as a role model to the rest of the developing world, at a time when liberal democracy seems to be experiencing serious challenges and dislocations in the Global North. The article considers the important achievements of democratic BRICS, in terms of their individual performances as well as through active cooperation strategies through organisations such as the India, Brazil and South Africa (IBSA) Dialogue Forum. Attention is drawn to the inherent structural dilemmas confronted by democratic BRICS to serve as genuine role models, given their domestic weaknesses as well as inherent constraints on their collective action strategies. Our central argument is that these countries, individually and collectively, are likely to have a crucial bearing on the future of liberal democracy on a global scale.