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The false promise of homeownership
In the late 20th century, homeownership became entrenched in a wider societal project that sought to transform the economy and increase social inclusion. This project focused on mortgaged owner-occupation as a means not only to acquire a stable home, but also to realise greater economic security via asset accumulation. The underlying ideology featured an implicit promise that homeownership would be widespread, equalising and secure. Despite transformations in market conditions, such narratives have continued to underscore policy approaches and housing marketisation. This article directly confronts this promise. It first unpacks its key tenets before investigating their currency across three classic ‘homeowner societies’: the US, the UK and Australia. Our empirical findings reveal declining access to homeownership, increasing inequalities in concentrations of housing wealth and intensifying house-price volatility undermining asset security. The article contends that the imperative of homeownership that has sustained housing policy since the 1970s may be increasingly considered a ‘false promise’. Our analyses expose contemporary housing market dynamics that instead appear to enhance inequality and insecurity.
在20世纪后期，房屋所有权在一个更广泛的社会项目中变得根深蒂固，这个项目寻求经济转型和提升社会包容度。该项目强调抵押房主自住，这不仅作为获得稳定住房的一种手段，也作为通过资产积累提升经济安全的一种手段。这其中潜在的意识形态所强调的是这样一个期许：房屋所有权将是广泛的、平等的和安全的。尽管市场环境发生了变化，但这种论述继续强调政策方法和住房市场化。本文直接质疑这个期许。在对这些主要信条在美国、英国和澳大利亚这三个典型的“房主社会”的现实体现进行调查之前，我们首先对这些信条进行了解析。我们的经验研究结果显示，获得住房所有权的机会在减少，住房财富集中的不平等在加剧，而破坏资产安全的房价波动则在加剧。本文认为，自20世纪70年代以来一直作为住房政策基石的房屋所有权必要性理论可能会越来越被视为一种“错误的期许”。我们的分析揭示了当代住房市场的动态，而这种动态似乎加剧了不平等和不安全。
Journal Article
The Norton anthology of short fiction
The Norton Anthology of Short Fiction features 152 works many of them new to this edition by 130 authors, offering a broad collection of short stories with the most thoughtful annotations and apparatus on the market. With a new Authors in Depth feature, an extensive Reviews and Commentaries section, and expanded coverage of Writers on Writing, the Eighth Edition provides a wealth of criticism of key works and authors, as well as the opportunity to look deeper into the craft of fiction.
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‘Generation Rent’ and Intergenerational Relations in The Era of Housing Financialisation
Home ownership has been in decline in a number of developed societies since the early-2000s driven, primarily, by declining entry among younger households who have been increasingly pushed into the rental sector. This trend has been associated with a growing intergenerational divide, or even conflict, and the emergence of ‘Generation Rent’. This paper explores the conditions surrounding diminishing access to owner-occupation among new households with a focus on the historic maturation of home ownership sectors, the restructuring of the political economy around financialized housing wealth and the inter-cohort dynamics surrounding the accumulation and transfer of housing wealth. The paper takes an international perspective drawing on evidence from two parallel, but contrasting cases: Japan and the UK. The analysis illustrates the interrelatedness of inter- and intra-generational inequalities, with the former reinforcing the latter. It also focuses on the role of families as both a moderator of generational inequity at the micro level as well as an enhancer of socioeconomic inequalities overall.
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The shocking world of electricity with Max Axiom super scientist : an augmented reading science experience
\"Join Max Axiom for an electrifying adventure to learn all about how power is produced and harnessed for human use. Young readers will supercharge their knowledge of the shocking world of electricity! Download the free Capstone 4D app for an augmented reality experience that goes beyond the printed page. Videos, writing prompts, discussion questions, and hands-on activities make this updated edition come alive and keep your collection current.\"-- Provided by publisher.
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What ever happened to asset-based welfare? Shifting approaches to housing wealth and welfare security
This paper contributes to current debates by reframing recent transformations in housing, policy and property equity in terms of a transfigured asset-based welfare regime. The analysis thereby advances earlier, more descriptive evaluations of asset-based welfare and challenges suggestions that its relevance has faded since the global financial crisis. We argue, drawing on the UK as a case with broad international salience, that the home has become even more central as an asset base of individual welfare since the global financial crisis, yet under distorted conditions of access and distribution, with housing wealth polarisation undermining financial inclusion and welfare security more broadly.
Journal Article
‘Not for Housing’ Housing: Widening the Scope of Housing Studies
Historically, the main focus of the study of housing in advanced economies has been on houses that meet the accommodation needs of households: houses as the main residence of families. In recent decades there has been the growth in the numbers of houses used for purposes other than as a main residence, for example in the forms of the recent global spread of Airbnb and of foreign engagement in housing as an investment tool. Specifically, the advance of disruptive, financialized technologies in various sectors has meant that alongside a set of ‘for housing’ houses (FHH) another, overlapping, set of ‘not for housing’ houses (NFHH) is emerging. The present paper begins by identifying four types of NFHH, and considers the significance of their growth. It argues that while the NFHH sector is relatively small it has large impacts, and these are such that they challenge housing researchers and policy makers to develop additional ways of looking at housing systems.
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Supported Home Ownership and Adult Independence in Milan
This article analyses practices of intergenerational support for homeownership among different generations of families in Milan, Italy, highlighting the role of housing in family welfare relations and life-course transitions. It makes use of an original dataset of qualitative interviews investigating homeownership pathways and the negotiations of support that they pre-suppose. The article explores the meanings and moral reasoning behind the decision to accept (or not) support in context of contemporary discourses surrounding the liquidity and availability of housing and finance. It highlights the moral compromises and emotional negotiations inherent in the giving and receiving of support for housing, contributing to a body of literature concerned with the reproduction of home and family. Furthermore, it stresses the importance of homes and housing assets in mediating dependence and re-affirming family bonds within a family-oriented welfare context, despite conflict, resistance and frustrated aspirations.
Journal Article
The unraveling of Amsterdam's unitary rental system
The Netherlands has traditionally been considered an iconic 'unitary' rental housing market in which social and private sectors directly compete. More recently however, this unitary market has been undermined by changes in the status of housing associations, the privatization of social housing stock and the promotion of home ownership. It has subsequently been suggested that the Netherlands is drifting toward a 'dualist' system in which social and private sectors are critically unequal. This paper takes on this claim, providing, on the one hand, palpable evidence of the waning influence of the unitary housing system in the Netherlands and, on the other, a deeper examination of processes of dualisation as well as the outcomes. We focus on Amsterdam, where housing privatization has been most intense. We specifically draw on a geospatial analysis of changing tenure distributions at the neighbourhood level as well as a household analysis of the shifting profile of tenants and home owners to show how the unitary rental market, which helped establish Amsterdam as an iconic 'just city', has been unraveling. We demonstrate the relevance of the unitary/dualist model to understanding contemporary urban processes, especially those featuring social and economic polarization.
Journal Article
Young Adults’ Pathways into Homeownership and the Negotiation of Intra-Family Support
Emerging affordability problems in British housing have accentuated the role of parental support in facilitating entry to homeownership, with financial transfers and in-kind support smoothening transitions for many. This article explores housing trajectories, focusing on how dependency and autonomy are negotiated within and across generations in relation to gifts, loans and in-kind transfers for home purchase. It draws on the experiences of a group of young adults aged 25–35 and those family members who supported them in acquiring a home. We consider the nature of support, and how those giving and receiving it understand this exchange. We show that gifting for homeownership is an ‘ideal gift’, allowing givers to exercise moral control over the receivers by supporting a normalized tenure choice. Managing relationships of indebtedness between kin presupposes negotiations in which the maintenance of autonomy is paramount. The article examines four types of negotiations and their impact on intergenerational relations.
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