The Economic Consequences of Homelessness in The US

More documents

Recommendations

Info

Moody's S&P Fitch Longterm Shortterm Longterm Shortterm Longterm Shortterm rating description Aaa AAA AAA Prime Aa1 AA+ AA+ A-1+ F1+ Aa2 AA AA P-1 Aa3 AA− AA− High grade A1 A+ A+ A-1 F1 Upper medium A2 A A grade A3 A− A− P-2 F2 Baa1 BBB+ A-2 BBB+ Lower medium Baa2 BBB BBB P-3 F3 grade Baa3 BBB− A-3 BBB− Ba1 BB+ BB+ Non-investment Ba2 BB BB grade Ba3 BB− BB− speculative B B B1 B+ B+ B2 B B Highly speculative B3 B− B− Caa1 CCC+ CCC+ Caa2 Not Prime CCC CCC Substantial risks Caa3 CCC− CCC− C C Extremely CC CC Ca speculative C C Default imminent C RD DDD / SD D DD D In default / D D Credit Rating Agencies In addition to "the Big Three" of Moody's, Standard & Poor's, and Fitch Ratings, other agencies and rating companies include (in alphabetical order): Agusto & Co. (Nigeria), A. M. Best (U.S.), China Chengxin Credit Rating Group (China), Shanghai Brilliance Credit Rating & Investors Service Co.,Ltd (China), Credit Rating Agency Ltd (Zambia), Credit Rating Information and Services Limited (Bangladesh), CTRISKS (Hong Kong), Dagong Europe Credit Rating (Italy), DBRS (Canada), Dun & Bradstreet (U.S.), Egan-Jones Rating Company (U.S.), Global Credit Ratings Co. (South Africa), HR Ratings (Mexico), PACRA Limited (Pakistan) ICRA Limited (India), Page 240 of 289
Japan Credit Rating Agency (Japan), Levin and Goldstein (Zambia), Morningstar, Inc. (U.S.), Muros Ratings (Russia, alternative rating company), Public Sector Credit Solutions (U.S., not-for profit rating provider), Rapid Ratings International [26] (U.S.), RusRating (Russia), Universal Credit Rating Group (Hong Kong), Veda (Australia, previously known as Baycorp Advantage), Wikirating (Switzerland, alternative rating organization), Humphreys Ltd (Chile, previously known as Moody´s Partner in Chile), Credit Research Initiative (Singapore, non-profit rating provider). 4. Next We Review Each Partner’s Percentage of Income, and, as Determined by National/ International Averages, We Determines the Percentage of Payment for Each Partner The Twenty-Eight Percent (28 %) Threshold Therefore, the bank thinks you can devote up to 28 percent of your household income to your mortgage payment and expenses (including taxes, insurance and association dues). Banks will also typically allow a total debt-to-income ratio of up to around 36 percent. ______ Mortgages: How Much Can You Afford? By James E. McWhinney Regardless of where you live, how much you earn or what type of house you are shopping for, as soon as you find out how much the seller is asking, your first reaction might be something like, "Wow! That's expensive!" Your initial assessment is correct. With prices rising quickly, particularly in areas like New York and Boston, even starter homes can carry hefty six-figure price tags. Your next reaction is likely to be, "Can I afford that?" Generally speaking, most prospective homeowners can afford to mortgage a property that costs between 2 and 2.5 times their gross income. Under this formula, a person earning $100,000 per year can afford to mortgage between $200,000 and $250,000. But this calculation is only a general guideline. Ultimately, when deciding on a property, you need to consider a few more factors. First, it's a good idea to have an understanding of what your lender thinks you can afford – to gain a precise idea of what size of mortgage their clients can handle, lenders use formulas that are much more complex and thorough. Secondly, you need to determine some personal criteria by evaluating not only your finances but also your preferences. Page 241 of 289
Page 1 and 2:
The e-Advocate Monthly …a Compila
Page 3 and 4:
The Social Cost of Homelessness Ave
Page 5 and 6:
The Advocacy Foundation, Inc. Helpi
Page 7 and 8:
Dedication ______ Every publication
Page 9 and 10:
The Transformative Justice Project
Page 11 and 12:
The Advocacy Foundation, Inc. Helpi
Page 13 and 14:
Biblical Authority ______ Proverbs
Page 15 and 16:
Table of Contents …a compilation
Page 17 and 18:
I. Introduction 10 Facts About Home
Page 19 and 20:
studies. Half of this population se
Page 21 and 22:
May 620 417 712 348 903 August 951
Page 23 and 24:
7. National opioid crisis. Foll
Page 25 and 26:
4. A coordinated approach to crisis
Page 27 and 28:
22 The 3 most commonly cited causes
Page 29 and 30:
II. Unemployment Employment and Hom
Page 31 and 32:
fact, in the median state a minimum
Page 33 and 34:
increasing number of involuntary pa
Page 35 and 36:
POLICY ISSUES Although funding for
Page 37 and 38:
Youth Homelessness Matters Day is b
Page 39 and 40:
Amid Booming Economy, Homelessness
Page 41 and 42:
— Rising rents are the main culpr
Page 43 and 44:
Now 54, she grades papers and prepa
Page 45 and 46:
The question was, “What can we do
Page 47 and 48:
With an eviction on her record and
Page 49 and 50:
III. The Working Poor The working p
Page 51 and 52:
liberals argue that working poverty
Page 53 and 54:
Using the US Census Bureau's defini
Page 55 and 56:
Although the service sector has the
Page 57 and 58:
The working poor face many of the s
Page 59 and 60:
month in major metro areas, and fal
Page 61 and 62:
Some states distribute funds throug
Page 63 and 64:
opportunity structure is improved,
Page 65 and 66:
e falling toward economic catastrop
Page 67 and 68:
side. Sure, these individuals strug
Page 69 and 70:
But finding employment can also ris
Page 71 and 72:
The specific income thresholds used
Page 73 and 74:
higher paying jobs—such as manage
Page 75 and 76:
common problem, with 68 percent sub
Page 77 and 78:
maintaining the family, as well as
Page 79 and 80:
IV. Mental Health Mental Health The
Page 81 and 82:
Below are their edited responses to
Page 83 and 84:
What about forced medication or oth
Page 85 and 86:
There most definitely is a relation
Page 87 and 88:
Mental Illness and Homelessness: Fa
Page 89 and 90:
V. Affordable Housing Affordable Ho
Page 91 and 92:
Improve access to federally funded
Page 93 and 94:
numbers are then combined with a co
Page 95 and 96:
experiencing homelessness were Hisp
Page 97 and 98:
transportation, and have more limit
Page 99 and 100:
difficulties in obtaining psychiatr
Page 101 and 102:
A review of 31 studies focusing on
Page 103 and 104:
Housing) Program, which combines HC
Page 105 and 106:
mental illnesses. Across these stud
Page 107 and 108:
developing affordable housing optio
Page 109 and 110:
While the HCV program provides much
Page 111 and 112:
eduction approaches to housing and
Page 113 and 114:
Assessing the Role of Public Housin
Page 115 and 116:
PHAs are serving formerly homeless
Page 117 and 118:
VI. Public Assistance Pennsylvania
Page 119 and 120:
Armstrong County Community Action A
Page 121 and 122:
Clinton County Planning Commission,
Page 123 and 124:
Lackawanna County Department of Hum
Page 125 and 126:
Northumberland County Adult Service
Page 127 and 128:
10 Public Avenue, P.O. Box 366 Mont
Page 129 and 130:
While permanent housing, often coup
Page 131 and 132:
VII. Homeless Shelters Homeless She
Page 133 and 134:
Homeless women who are of childbear
Page 135 and 136:
homes. In Hawaii, a Honolulu-based
Page 137 and 138:
stores by homeless people begging f
Page 139 and 140:
Hispanics: 13% Native Americans: 4
Page 141 and 142:
Government Assistance Programs in t
Page 143 and 144:
for work and when there are no acco
Page 145 and 146:
In 1992 Dr. Sam Tsemberis, a facult
Page 147 and 148:
cost of administering the housing,
Page 149 and 150:
Homelessness to the Obama Administr
Page 151 and 152:
Housing First has grown in populari
Page 153 and 154:
Clients are given any needed help w
Page 155 and 156:
on the relationship between evidenc
Page 157 and 158:
VIII. The Criminalization of Homele
Page 159 and 160:
Additionally, the criminalization o
Page 161 and 162:
A lack of affordable housing is the
Page 163 and 164:
Criminalization of Homelessness Inc
Page 165 and 166:
to a baby boy and currently has a r
Page 167 and 168:
In Dallas, police issued 11,000 “
Page 169 and 170:
Begging in Public (Panhandling) Acc
Page 171 and 172:
These charges often carry fines tha
Page 173 and 174:
else to go, then enforcement of the
Page 175 and 176:
IX. Traditional Solutions Housing A
Page 177 and 178:
Housing First Housing First is a re
Page 179 and 180:
contrast to models that require the
Page 181 and 182:
In Utah, there has been "a 72 perce
Page 183 and 184:
On June 11, 2014 the 100,000 Homes
Page 185 and 186:
towards their rent: 85 percent of P
Page 187 and 188:
are a couple of Housing First-like
Page 189 and 190: X. The Advocacy Foundation Balanced
Page 191 and 192: neighboring property who, by combin
Page 193 and 194: method can change depending upon th
Page 195 and 196: Reconcile the multiple value indica
Page 197 and 198: ecame clear in recent years that ap
Page 199 and 200: the data entry team works all day a
Page 201 and 202: calculations, tables (e.g., economi
Page 203 and 204: specializes in property valuation).
Page 205 and 206: advisory group consisting of leader
Page 207 and 208: of members had reached 6,723. A gen
Page 209 and 210: 2. Next We Determine the Income of
Page 211 and 212: = -PMT(6.5 / 100 / 12, 30 * 12, 200
Page 213 and 214: which is the formula originally pro
Page 215 and 216: "float". As a result, payment amoun
Page 217 and 218: This monthly payment formula is eas
Page 219 and 220: funding will usually be related to
Page 221 and 222: frequency of the interest rate chan
Page 223 and 224: Like other ARMs, hybrid ARMs transf
Page 225 and 226: option to make a minimum payment is
Page 227 and 228: (aka "Fully Indexed Rate") between
Page 229 and 230: Sobol sequences. In these technique
Page 231 and 232: ank board rate, SIBOR, or SOR Typic
Page 233 and 234: The one-liner for a program would b
Page 235 and 236: if (guessed_pmt > actual_payment) {
Page 237 and 238: Credit ratings are determined by cr
Page 239: BB/Ba2 299 8.82% B/B2 404 31.24% CC
Page 243 and 244: Being House Poor: a Personal Decisi
Page 245 and 246: hiring an attorney to encourage eve
Page 247 and 248: Calculating the Percentage of Each
Page 249 and 250: the USDA and the Federal Housing Fi
Page 251 and 252: The program will provide one-time b
Page 253 and 254: Our Program, however, is different.
Page 255 and 256: XI. References 1. https://www.huffi
Page 257 and 258: Notes _____________________________
Page 259 and 260: Page 259 of 289
Page 261 and 262: The U.S. Department of Housing and
Page 263: Contents Key Findings..............
Page 266 and 267: Definition of Terms Please note: Ke
Page 268 and 269: Progress on Preventing and Ending H
Page 270 and 271: About This Report The Department of
Page 272 and 273: 1National Estimates Homelessness in
Page 274 and 275: 1National Estimates Homelessness in
Page 276 and 277: 1State Estimates Homelessness in th
Page 278 and 279: 1State Estimates Homelessness in th
Page 280 and 281: 1Estimates by CoC Homelessness in t
Page 282 and 283: 1Estimates National by Estimates Co
Page 284 and 285: 2National 1National Estimates Homel
Page 286 and 287: 2National 1National Estimates Homel
Page 288 and 289: 2State 1National Estimates Homeless
Page 290 and 291:
2State 1National Estimates Homeless
Page 292 and 293:
2Estimates 1National Estimates by C
Page 294 and 295:
2 Data 1National Estimates Estimate
Page 296 and 297:
3National 1National Estimates Homel
Page 298 and 299:
Page 300 and 301:
Page 302 and 303:
Page 304 and 305:
Page 306 and 307:
Page 308 and 309:
Page 310 and 311:
Page 312 and 313:
Page 314 and 315:
Page 316 and 317:
Page 318 and 319:
Page 320 and 321:
Page 322 and 323:
Page 324 and 325:
Page 326 and 327:
Page 328 and 329:
Page 330 and 331:
Page 332 and 333:
Page 334 and 335:
Page 336 and 337:
7Inventory 1National Estimates of B
Page 338 and 339:
Page 340 and 341:
Page 342 and 343:
Appendix ALABAMA -7.7% change from
Page 344 and 345:
Appendix CONNECTICUT -13.2% change
Page 346 and 347:
Appendix IDAHO -9.3% change from 20
Page 348 and 349:
Appendix LOUISIANA -17.3% change fr
Page 350 and 351:
Appendix MISSISSIPPI -15.3% change
Page 352 and 353:
Appendix NEW JERSEY -4.0% change fr
Page 354 and 355:
Appendix OKLAHOMA +2.2% change from
Page 356 and 357:
Appendix TENNESSEE -5.4% change fro
Page 358:
Appendix WEST VIRGINIA -5.6% change
Page 361 and 362:
Page 261 of 289
Page 363 and 364:
Ending Chronic Homelessness in 2017
Page 365 and 366:
Page 263 of 289
Page 367 and 368:
January 2005 Report No. 05-01 Econo
Page 369 and 370:
Report No. 05-01 OPPAGA Report emer
Page 371 and 372:
Report No. 05-01 OPPAGA Report Prog
Page 373 and 374:
Report No. 05-01 OPPAGA Report loca
Page 376:
Page 380:
Page 384 and 385:
Report No. 05-01 OPPAGA Report Appe
Page 386 and 387:
Report No. 05-01 OPPAGA Report Agen
Page 388 and 389:
Page 265 of 289
Page 390 and 391:
Advocacy Foundation Publishers The
Page 392 and 393:
XVI for Drug-Free Communities Landm
Page 394 and 395:
Vol. VIII 2022 ComeUnity ReEngineer
Page 396 and 397:
Vol. XV 2029 Inner-Cities Revitaliz
Page 398 and 399:
The e-Advocate Monthly Review 2018
Page 400 and 401:
The e-Advocate Quarterly Special Ed
Page 402 and 403:
Legal Missions International Page 2
Page 404 and 405:
Vol. V 2019 XVII Russia Q-1 2019 XV
Page 406 and 407:
The e-Advocate Newsletter Genesis o
Page 408 and 409:
Extras The Nonprofit Advisors Group
Page 410 and 411:
About The Author John C (Jack) John
Page 412:
Page 289 of 289
show all

The Economic Consequences of Homelessness in The US

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?