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Housing Our Heroes

United States. Congress. Senate. Committee on Appropriations. Subcommittee on Transportation and Housing and Urban Development, and Related Agencies

Published: 2009

Total Pages: 88


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There have always been homeless people in the United States, but their plight has only recently stirred widespread public reaction and concern. Part of this new recognition stems from the problem's prevalence: the number of homeless individuals, while hard to pin down exactly, is rising. In light of this, Congress asked the Institute of Medicine to find out whether existing health care programs were ignoring the homeless or delivering care to them inefficiently. This book is the report prepared by a committee of experts who examined these problems through visits to city slums and impoverished rural areas, and through an analysis of papers written by leading scholars in the field.
Grand Prize Winner of the 2014 Great Southwest Book Festival and Silver Medal Winner of the 2014 Global Ebook Awards - Homeless Hero: Understanding the Soul of Home considers the human mission to know the soul and navigate life experiences. Tapscott's book explores humanity in a way that is vibrantly vivid and personally accessible to the reader. Many questions that we have probably asked ourselves at one time or another are addressed: what is homelessness, why does it exist, are they just on drugs, how do I help, when is helping really enabling, and why does it bother me so much in the first place? Here is a compilation of experiences from Tapscott's experimental journey into life on the streets, his own volunteer work, and his fascinating interviews with individuals utilizing and individuals working for the social service system. Homeless Hero is a case study, an experiment, an adventure, and a multi-layered examination of American society that seeks to help you expand your understanding of homelessness and more importantly your own humanity.
Homes fit for Heroes looks at the pledge made 100 years ago by the Lloyd George government to build half a million ‘homes fit for heroes’ – the pledge which made council housing a major part of the housing system in the UK. Originally published in 1981, the book is the only full-scale study of the provision and design of state housing in the period following the 1918 Armistice and remains the standard work on the subject. It looks at the municipal garden suburbs of the 1920s, which were completely different from traditional working-class housing, inside and out. Instead of being packed onto the ground in long terraces, the houses were set in spacious gardens surrounded by trees and open spaces and often they contained luxuries, like upstairs bathrooms, unheard-of in the working-class houses of the past. The book shows that, in the turbulent period following the First World War, the British government launched the housing campaign as a way of persuading the troops and the people that their aspirations would be met under the existing system, without any need for revolution. The design of the houses, based on the famous Tudor Walters Report of 1918, was a central element in this strategy: the large and comfortable houses provided by the state were intended as visible evidence of the arrival of a ‘new era for the working classes of this country’.
Finalist for the Pulitzer Prize in History Winner of the Gov. John Andrew Award (Union Club of Boston) An acclaimed, groundbreaking, and “powerful exploration” (Washington Post) of the fate of Union veterans, who won the war but couldn’t bear the peace. For well over a century, traditional Civil War histories have concluded in 1865, with a bitterly won peace and Union soldiers returning triumphantly home. In a landmark work that challenges sterilized portraits accepted for generations, Civil War historian Brian Matthew Jordan creates an entirely new narrative. These veterans— tending rotting wounds, battling alcoholism, campaigning for paltry pensions— tragically realized that they stood as unwelcome reminders to a new America eager to heal, forget, and embrace the freewheeling bounty of the Gilded Age. Mining previously untapped archives, Jordan uncovers anguished letters and diaries, essays by amputees, and gruesome medical reports, all deeply revealing of the American psyche. In the model of twenty-first-century histories like Drew Gilpin Faust’s This Republic of Suffering or Maya Jasanoff ’s Liberty’s Exiles that illuminate the plight of the common man, Marching Home makes almost unbearably personal the rage and regret of Union veterans. Their untold stories are critically relevant today.
In 1918, at the end of the First World War, Britain believed she had been victorious. But victory had come at a colossal price and Prime Minister David Lloyd George knew he must also win the peace. Within a fortnight of signing the armistice his famous speech spoke of the future, "What is our task? To make Britain a fit country for heroes to live in." After the trauma of the war, those returning home required jobs and, with them, clean and modern homes for their families. The slums and tenements of the pre-war years were not going to enable a healthy workforce that was fit to tackle the challenges of the new post-war world. At all costs Britain had to avoid the riot and revolution that had swept Europe in the later stages of the war. This book describes the re-building of the country during the decades after 1918. Bold advances were made in social provision, especially in housing, with ambitious schemes by local authorities, no longer solely through private builders. These early developments were not always able to keep ahead of the economic realities of the time and many faltered. But through such pioneering improvements, housing was fixed firmly at the center of British politics. It remains so today.
The definitive account of the housing bubble that caused the Great Recession—and earned Wall Street fantastic profits. The American housing bubble of the 2000s caused the worst global financial crisis since the Great Depression. In this definitive account, Adam Levitin and Susan Wachter pinpoint its source: the shift in mortgage financing from securitization by Fannie Mae and Freddie Mac to “private-label securitization” by Wall Street banks. This change set off a race to the bottom in mortgage underwriting standards, as banks competed in laxity to gain market share. The Great American Housing Bubble tells the story of the transformation of mortgage lending from a dysfunctional, local affair, featuring short-term, interest-only “bullet” loans, to a robust, national market based around the thirty-year fixed-rate mortgage, a uniquely American innovation that served as the foundation for the middle class. Levitin and Wachter show how Fannie and Freddie’s market power kept risk in check until 2003, when mortgage financing shifted sharply to private-label securitization, as lenders looked for a way to sustain lending volume following an unprecedented refinancing wave. Private-label securitization brought a return of bullet loans, which had lower initial payments—enabling borrowers to borrow more—but much greater back-loaded risks. These loans produced a vast oversupply of underpriced mortgage finance that drove up home prices unsustainably. When the bubble burst, it set off a destructive downward spiral of home prices and foreclosures. Levitin and Wachter propose a rebuild of the housing finance system that ensures the widespread availability of the thirty-year fixed-rate mortgage, while preventing underwriting competition and shifting risk away from the public to private investors.