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Housing Finance and Mortgage-Backed Securities in Mexico
by Luisa Zanforlin Marco EspinosaA report from the International Monetary Fund.
Housing Finance Systems
by Sock-Yong PhangThe term 'housing crisis' has recently been associated with rising foreclosure rates and tottering financial institutions, particularly in the US and Europe. However, in many emerging countries, the housing crisis is about urban poverty, unplanned settlements, overcrowded slums and homelessness.
Housing Fit For Purpose: Performance, Feedback and Learning
by Fionn StevensonHousing Fit for Purpose sets out a research-focused approach to looking at the challenges facing the built environment in approaching the design, construction and management of housing. This book uses original research by the author on housing performance evaluation and distils it for built environment professionals, arguing that learning from feedback should be taking place at every stage of the housing project lifecycle, improving outcomes for end users. Drawing on active research, this book shows why and how the design, construction and management of housing can be linked to feedback and actual evidence of how people choose, and learn, to use their homes. It examines the key concepts which underlie participatory design, occupancy feedback and learning, and includes a practical primer on how to undertake housing occupancy feedback.
Housing for Degrowth: Principles, Models, Challenges and Opportunities (Routledge Environmental Humanities)
by Anitra Nelson François Schneider‘Degrowth’, a type of ‘postgrowth’, is becoming a strong political, practical and cultural movement for downscaling and transforming societies beyond capitalist growth and non-capitalist productivism to achieve global sustainability and satisfy everyone’s basic needs. This groundbreaking collection on housing for degrowth addresses key challenges of unaffordable, unsustainable and anti-social housing today, including going beyond struggles for a 'right to the city' to a 'right to metabolism', advocating refurbishment versus demolition, and revealing controversies within the degrowth movement on urbanisation, decentralisation and open localism. International case studies show how housing for degrowth is based on sufficiency and conviviality, living a ‘one planet lifestyle’ with a common ecological footprint. This book explores environmental, cultural and economic housing and planning issues from interdisciplinary perspectives such as urbanism, ecological economics, environmental justice, housing studies and policy, planning studies and policy, sustainability studies, political ecology, social change and degrowth. It will appeal to students and scholars across a wide range of disciplines.
Housing for Hope and Wellbeing
by Flora SamuelHousing and neighbourhoods have an important contribution to make to our wellbeing and our sense of our place in the world. This book, written for a lay audience (with policy makers firmly in mind) offers a useful and intelligible overview of our housing system and why it is in ‘crisis’ while acting as an important reminder of how housing contributes to social value, defined as community, health, self development and identity. It argues for a holistic digital map-based planning system that allows for the sensitive balancing of the triple bottom line of sustainability: social, environmental and economic value. It sets out a vision of what our housing system could look like if we really put the wellbeing of people and planet first, as well as a route map on how to get there. Written primarily from the point of view of an architect, the account weaves across industry, practice and academia cross cutting disciplines to provide an integrated view of the field. The book focusses on the UK housing scene but draws on and provides lessons for housing cultures across the globe. Illustrated throughout with case studies, this is the go-to book for anyone who wants to look at housing in a holistic way.
Housing in the United States: The Basics (The Basics)
by Katrin B. AnackerHousing matters to people, be they owner, renter, housing provider, homeless individual, housing professional, or policymaker. Housing in the United States: The Basics offers an accessible introduction to key concepts and issues in housing—and a concise overview of the programs that affect housing choices, affordability, and access in the United States today. Part I covers the fundamentals of housing: households, housing units, and neighborhoods; housing as basic need vs. human right; supply and demand; construction, rehabilitation, and renovation; and demographic, socioeconomic, and cultural trends. Part II focuses on housing policy and its evolution from the early 20th century, through the Great Recession to the present day; policies related to owner- and renter-occupied housing; tax policies and expenditures; place- and people-based programs; and shortages of affordable housing.Written in a clear and engaging style, this guide allows readers to quickly grasp the complex range of policies, programs, and factors that shape the housing landscape. Essential reading for students, community advocates, homebuyers/renters, and professionals with an interest in housing, it also serves as an ideal text for introductory courses in urban planning, urban studies, sociology, public administration, architecture, and real estate.This book provides a valuable and practical foundation for informed housing discussions at the kitchen table, in the classroom, at work, or on Capitol Hill.
Housing Market Renewal and Social Class (Housing, Planning and Design Series)
by Chris AllenHousing market renewal is one of the most controversial urban policy programmes of recent years. Housing Market Renewal and Social Class critically examines the rationale for housing market renewal: to develop 'high value' housing markets in place of the so-called 'failing markets' of low-cost housing. Whose interests are served by such a programme and who loses out? Drawing on empirical evidence from Liverpool, the author argues that housing market renewal plays to the interests of the middle classes in viewing the market for houses as a field of social and economic 'opportunities', a stark contrast to a working class who are more concerned with the practicalities of 'dwelling'. Against this background of these differing attitudes to the housing market, Housing Market Renewal and Social Class explores the difficult question of whether institutions are now using the housing market renewal programme to make profits at the expense of ordinary working-class people. Reflecting on how this situation has come about, the book critically examines the purpose of current housing market renewal policies, and suggests directions for interested social scientists wishing to understand the implications of the programme. Housing Market Renewal and Social Class provides a unique phenomenological understanding of the relationship between social class and the market for houses, and will be compelling reading for anybody concerned with the situation of working class people living in UK cities.
Housing Market Response to Sea-Level Rise in Florida (Coastal Research Library #37)
by Risa Palm Toby BolsenSouth Florida continues to attract new residents despite its susceptibility to sea-level rise. This book explores the views of real estate agent with respect to how prospective homebuyers assess the risk of flooding. It reports on their observations as to whether house prices are stagnant or falling in coastal areas vulnerable to flooding, and their conclusions after working with prospective homebuyers as to whether coastal south Florida is a good place to find a home or, alternatively, a risky investment in a place that will eventually be submerged by rising seas. The book reports on a 2020 survey of real estate agents and concludes that it is not clear that the housing market has integrated flood risk either into reduced demand for housing or in reduced prices for houses susceptible to flooding. These conclusions have important implications for understanding how the risks of climate change and sea-level rise are reflected in the housing market both now and in the near-term future.
Housing Markets and Household Behavior in Japan (Advances in Japanese Business and Economics #19)
by Miki SekoThis book addresses essential questions about housing by building theoretical models based on various real world problems in Japan and testing these models using econometric methods. Almost all related empirical analyses use Japanese household longitudinal data. Accordingly, the author analyzes whole aspects of the data, based on an understanding of the actual situation, theory, and empirical analysis, to directly derive a vision of a future housing policy. Why are houses expensive and difficult to obtain in Japan? Why do people have to live in small houses? Why do people not relocate frequently? Why is the earthquake insurance subscription rate so low, particularly in an earthquake-prone country such as Japan, even after such a catastrophic event as the Great East Japan Earthquake of 2011? How do existing housing finance and tax policies or laws relate to these real world problems? To answer these questions, the book clarifies the unique criteria that characterize housing problems in Japan and presents a vision of future housing policy. The short answer is that existing housing finance policy that adopts criteria based on the floor space of houses creates incentives for people to live in even smaller houses. Furthermore, the Japan Rental Act, which affects people renting homes, reduces residential mobility. The incidence of underinsurance against earthquake risk is a result of earthquake insurance market imperfections such as crude and rough geographical risk ratings. The book elaborates on these factors in four parts and will be of interest to all readers who are concerned with the housing market and household behavior in Japan.
Housing Needs and Policy Approaches: Trends in Thirteen Countries
by Elizabeth Huttman Willem Van Vliet— Sylvia F. FavaDrawing upon research from six continents, Housing Needs and Policy Approaches analyzes the social problems involved with providing housing in the industrialized nations and in the Third World. The book focuses on four areas of concern: current trends in housing in specific Western countries, the role of Western governments in creating this housing, housing provisions in less developed nations, and the relationship of societal structure and housing, particularly with respect to the decentralization of population occurring in many regions.
Housing Policy and Equality: A Comparative Study of Tenure Conversions and Their Effects (Routledge Library Editions: Inequality #6)
by Lennart J. LundqvistOriginally published in 1986, this book compares and evaluates the effects of converting rental housing into owner occupancy in the USA, the UK and Germany. The evaluation examines the pros and cons of such conversions. The conversion controversy is more than a technical discussion of outcomes of different housing strategies. By viewing tenure conversions as strategies for limiting direct governmental involvement, this comparative evaluation indicates something about the effects not only on housing, but on general social welfare, of such strategies.
Housing Policy and Rented Housing in Europe
by Michael Oxley Jaqueline SmithThe book will inform a wide audience about the provision of rented housing in several European countries. The material is relevant to many housing, surveying and planning undergraduate and postgraduate courses which have a European housing element/option.
Housing Policy in Australia: A Case for System Reform
by Judith Yates Hal Pawson Vivienne MilliganThis book, the first comprehensive overview of housing policy in Australia in 25 years, investigates the many dimensions of housing affordability and government actions that affect affordability outcomes. It analyses the causes and implications of declining home ownership, rising rates of rental stress and the neglect of social housing, as well as the housing situation of Indigenous Australians. The book covers a period where housing policy primarily operated under a neo-liberal paradigm dominated by financial de-regulation and fiscal austerity. It critiques the broad and fragmented range of government measures that have influenced housing outcomes over this period. These include regulation, planning and tax policies as well as explicit housing programs. The book also identifies current and future housing challenges for Australian governments, recognizing these as a complex set of inter-connected problems. Drawing on its coverage of the economics, politics and administration of housing provision, the book sets out priorities for the transformational national strategy needed for a fairer and more productive housing system, and to improve affordability outcomes for the most vulnerable Australians.
Housing Policy in Britain and Europe (Routledge Library Editions: Urban and Regional Economics)
by Gavin McCrone Mark StephensOriginally published in 1995. A comprehensive survey of housing policy throughout Europe, anchored in a thorough analysis of the UK, this book is a text for students of housing at the undergraduate and graduate levels. The book considers housing tenure types and looks at standards of living, housing stock, housing allowances and subsidies and European funds. There are separate chapters for France, Germany, Spain, The Netherlands and Sweden. The later chapters focus on Britain and look more in depth at population issues and economics and address regional policy.
Housing Policy, Wellbeing and Social Development in Asia (Routledge Studies in International Real Estate)
by Rebecca Lai Chiu Seong-Kyu HaThis book investigates how housing policy changes in Asia since the late 1990s have impacted on housing affordability, security, livability, culture and social development. <P><P> Using case study examples from countries/cities including China, Hong Kong, India, Japan, Taiwan, Korea, Malaysia, Bangladesh, Singapore, Indonesia, Thailand and Vietnam, the contributors contextualize housing policy development in terms of both global and local socio-economic and political changes. They then investigate how policy changes have shaped and re-shaped the housing wellbeing of the local people and the social development within these places, which they argue should constitute the core purpose of housing policy. <P><P> This book will open up a new dimension for understanding housing and social development in Asia and a new conceptual perspective with which to examine housing which, by nature, is culture-sensitive and people-oriented. It will be of interest to students, scholars and professionals in the areas of housing studies, urban and social development and the public and social policy of Asia.
Housing Reform and China’s Real Estate Industry: Review and Forecast (Research Series on the Chinese Dream and China’s Development Path)
by Pengfei Ni Linhua Zou Guangchun Gao Xuemei JiangThis book provides an in-depth analysis of China’s housing system and real-estate industry .The author weaves together the different elements of the real estate industry into a logically coherent whole, in which the relationship between the real-estate industry and the macroeconomy sets the background, the housing market forms the core, real estate finance makes up a necessary condition, public policy provides the guarantee and the housing system the foundation.The book constructs an analytical framework for the development of China’s housing system that considers a comprehensive range of factors, highlights the most important issues, and is soundly structured, logical and clear. By applying this framework, the authors present an overview of the past, present and future of China’s housing industry.
Housing Sustainability in Low Carbon Cities (Routledge Equity, Justice and the Sustainable City series)
by Ralph HorneHousing affordability, urban development and climate change responses are great challenges that are intertwined, yet the conceptual and policy links between them remain under-developed. Housing Sustainability in Low Carbon Cities addresses this gap by developing an interdisciplinary approach to urban decarbonisation, drawing upon more established, yet quite distinctive, fields of built environment policy and design, housing, and studies of social and economic change. Through this approach, policy and practices of housing affordability, equity, energy efficiency, resilience and renewables are critiqued and alternatives are presented. Drawing upon international case studies, this book provides a unique contribution to interdisciplinary urban and housing studies, discourses and practices in an era of climate change. This book is recommended reading on higher level undergraduate and taught postgraduate courses in architecture, urban studies, planning, built environment, geography and urban studies. It will also be directly valuable to housing and urban policy makers and sustainability practitioners.
Houston Legends: History and Heritage of Dynamic Global Capitol
by Hank MooreTwo hundred years of Houston history through the prism of business, entrepreneurship, and innovation in this essential and epic overview. The first Houston history book to be written from a business perspective, where the stories behind the city&’s many legendary successes are told. Moore presents historical perspectives in several key industries—from real estate to banking to music and sports—in the Bayou City&’s dynamic growth. Each topic offers chronicles the economic impact, the business contributions, and the people who have made a mark in the nation&’s fourth largest city. Recurring themes include entrepreneurial spirit, business survival, strategies, growth and vision. The names, dates, and events are intertwined with memorable anecdotes applicable to modern business practices. Common themes include giving back generously to the community, stages in the evolution of a business, creativity, and mentoring the next generation of leaders. A unique, informative, and instructive approach to corralling the breadth and scope of Houston&’s outstanding history and the people who led the way, Houston Legends is an indispensable entry into one of the modern world&’s great cities.
Houston, We Have a Problem: NASA and Open Innovation (A)
by Hila Lifshitz-Assaf Michael L. Tushman Kerry HermanJeff Davis, director of Space Life Sciences Directorate at NASA, has been working for several years to raise awareness amongst scientists and researchers in his organizations of the benefits of open innovation as a successful and efficient way to collaborate on difficult research problems regarding health and space travel. Despite a number of initiatives, SLSD members have been skeptical about incorporating the approach into their day-to-day research and work, and have resisted Davis's and his strategy team's efforts. The (A) case outlines these efforts and the organization members' reactions. The (B) case details what Davis and the SLSD strategy team learned, and how they adapted their efforts to successfully incorporate open innovation as one of many tools used in collaborative research at NASA.
Houston, We Have a Solution: NASA and Open Innovation (B)
by Hila Lifshitz-Assaf Michael L. Tushman Kerry HermanJeff Davis, director of Space Life Sciences Directorate at NASA, has been working for several years to raise awareness amongst scientists and researchers in his organizations of the benefits of open innovation as a successful and efficient way to collaborate on difficult research problems regarding health and space travel. Despite a number of initiatives, SLSD members have been skeptical about incorporating the approach into their day-to-day research and work, and have resisted Davis's and his strategy team's efforts. The (A) case outlines these efforts and the organization members' reactions. The (B) case details what Davis and the SLSD strategy team learned, and how they adapted their efforts to successfully incorporate open innovation as one of many tools used in collaborative research at NASA.
How: Why How We Do Anything Means Everything
by Dov SeidmanThe flood of information, unprecedented transparency, increasing interconnectedness-and our global interde¬pendence-are dramatically reshaping today's world, the world of business, and our lives. We are in the Era of Behavior and the rules of the game have fundamentally changed. It is no longer what you do that matters most and sets you apart from others, but how you do what you do. Whats are commodities, easily duplicated or reverse-engineered. Sustainable advantage and enduring success for organizations and the people who work for them now lie in the realm of how, the new frontier of conduct. For almost two decades, Dov Seidman's pioneering organi¬zation, LRN, has helped some of the world's most respected companies build "do it right," winning cultures and inspire principled performance throughout their organizations. Seidman's distinct vision of the world, business, and human endeavor has helped enable more than 15 million people do¬ing business in more than 120 countries to outbehave the competition. In HOW: Why HOW We Do Anything Means Everything, Dov Seidman shares his unique approach with you. Now updated and expanded, HOW includes a new Fore¬word from President Bill Clinton and a new Preface from Dov Seidman on why how we behave, lead, govern, operate, consume, engender trust in our relationships, and relate to others matters more than ever and in ways it never has before. Through entertaining anecdotes, surprising case studies, cutting-edge research in a wide range of fields, and reveal¬ing interviews with a diverse group of leaders, business executives, experts, and everyday people on the front lines, this book explores how we think, how we behave, how we lead, and how we govern our institutions and ourselves to uncover the values-inspired "hows" of twenty-first-century success and significance. Divided into four comprehensive parts, this insightful book: Exposes the forces and factors that have fundamentally restructured the world in which organizations operate and their people conduct themselves, placing a new focus on their hows Provides frameworks to help you understand those hows and implement them in powerful and productive ways Helps you channel your actions and decisions in order to thrive uniquely within today's new realities Sheds light on the systems of how-the dynamics between people that shape organizational culture-andintroduces a bold new vision for leading and winning through self-governance The qualities that many once thought of as "soft"-values, trust, and reputation-are now the hard currency of success and the ultimate drivers of efficiency, performance, innova¬tion, and growth. With in-depth insights and practical advice, HOW will help you bring excellence and significance to your business endeavors- and your life-and refocus your efforts in powerful new ways. If you want to stand out, to thrive in our fast changing, hyper¬connected, and hypertransparent world, read this book and discover HOW.
How
by Dov SeidmanThe flood of information, unprecedented transparency, increasing interconnectedness-and our global interde¬pendence-are dramatically reshaping today's world, the world of business, and our lives. We are in the Era of Behavior and the rules of the game have fundamentally changed. It is no longer what you do that matters most and sets you apart from others, but how you do what you do. Whats are commodities, easily duplicated or reverse-engineered. Sustainable advantage and enduring success for organizations and the people who work for them now lie in the realm of how, the new frontier of conduct. For almost two decades, Dov Seidman's pioneering organi¬zation, LRN, has helped some of the world's most respected companies build "do it right," winning cultures and inspire principled performance throughout their organizations. Seidman's distinct vision of the world, business, and human endeavor has helped enable more than 15 million people do¬ing business in more than 120 countries to outbehave the competition. In HOW: Why HOW We Do Anything Means Everything, Dov Seidman shares his unique approach with you. Now updated and expanded, HOW includes a new Fore¬word from President Bill Clinton and a new Preface from Dov Seidman on why how we behave, lead, govern, operate, consume, engender trust in our relationships, and relate to others matters more than ever and in ways it never has before. Through entertaining anecdotes, surprising case studies, cutting-edge research in a wide range of fields, and reveal¬ing interviews with a diverse group of leaders, business executives, experts, and everyday people on the front lines, this book explores how we think, how we behave, how we lead, and how we govern our institutions and ourselves to uncover the values-inspired "hows" of twenty-first-century success and significance. Divided into four comprehensive parts, this insightful book: Exposes the forces and factors that have fundamentally restructured the world in which organizations operate and their people conduct themselves, placing a new focus on their hows Provides frameworks to help you understand those hows and implement them in powerful and productive ways Helps you channel your actions and decisions in order to thrive uniquely within today's new realities Sheds light on the systems of how-the dynamics between people that shape organizational culture-andintroduces a bold new vision for leading and winning through self-governance The qualities that many once thought of as "soft"-values, trust, and reputation-are now the hard currency of success and the ultimate drivers of efficiency, performance, innova¬tion, and growth. With in-depth insights and practical advice, HOW will help you bring excellence and significance to your business endeavors- and your life-and refocus your efforts in powerful new ways. If you want to stand out, to thrive in our fast changing, hyper¬connected, and hypertransparent world, read this book and discover HOW.
How 30 Great Ads Were Made: From Idea To Campaign
by Eliza WilliamsThis book takes readers behind the scenes in the world of advertising, showcasing 30 phenomenally successful campaigns from the last decade. Fascinating not only for industry professionals but for anyone with an interest in how ads are made.Technical information on how the ads were developed is accompanied by anecdotes from the creatives, directors and clients, with accounts of how the ads were made and the problems encountered along the way. Each campaign is illustrated with imagery showing the stages it went through in development – including sketches and early ideas that may have been abandoned, storyboards, animatics and photos from shoots, as well as shots of the final ads. In addition to offering an insight into the working practices within advertising, the book also demonstrates how the industry is currently experiencing a period of rapid change, and shows the different skills that are now required to work in advertising.
How 30 Great Ads Were Made: From Idea to Campaign
by Eliza WilliamsThis book takes readers behind the scenes in the world of advertising, showcasing 30 phenomenally successful campaigns from the last decade. Fascinating not only for industry professionals but for anyone with an interest in how ads are made.Technical information on how the ads were developed is accompanied by anecdotes from the creatives, directors and clients, with accounts of how the ads were made and the problems encountered along the way. Each campaign is illustrated with imagery showing the stages it went through in development – including sketches and early ideas that may have been abandoned, storyboards, animatics and photos from shoots, as well as shots of the final ads. In addition to offering an insight into the working practices within advertising, the book also demonstrates how the industry is currently experiencing a period of rapid change, and shows the different skills that are now required to work in advertising.
How a Mother Should Talk About Money with Her Daughter: A Step-by-Step Guide to Budgeting, Saving, Investing, and Other Important Lessons
by Aja McClanahanA Guide to Talking Finances with Our Daughters! As many as 56% of women feel that they&’d rather not talk about money with their loved ones. Some women say they were raised not to discuss money and others feel like the information is just too personal. Yet with many women controlling household budgets and raising the next generation of female earners, this could be a recipe for disaster in some homes and for society at large.How a Mother Should Talk About Money with Her Daughter helps readers broach money topics with their daughters in a meaningful, compassionate, and even fun way. It speaks to parents who may feel inadequate about their own money skills but still want to discuss money with their daughters while helping them build good financial habits. The goal is to start conversations that leave parents and girls empowered to love themselves (through good money management) and make the world a better place with their financial resources. Topics include how to save as a young person, the pros and cons of investing, how to determine which college is right (in terms of finances and future job prospects), how to determine a future partner is right (in terms of similar financial goals), and more.