Housing and wealth inequality: Racial-ethnic differences in home equity in the United States

In our study, we took a first step toward broadening our understanding of the sources of both housing and wealth inequality by studying differences in housing equity among blacks, Hispanics, Asians, and non-Hispanic whites in the United States. Using data from the American Housing Survey, we found substantial and significant gaps in housing equity for blacks and Hispanics (but not for Asians) compared with whites, even after we controlled for a wide range of locational, life-cycle, socioeconomic, family, immigrant, and mortgage characteristics. Furthermore, the payoffs to many factors are notably weaker for minority than for white households. This finding is especially consistent across groups for the effects of age, socioeconomic status, and housing-market value. Blacks and Hispanics also uniformly receive less benefit from mortgage and housing characteristics than do whites. These findings lend credence to the burgeoning stratification perspective on wealth and housing inequality that acknowledges the importance of broader social and institutional processes of racial-ethnic stratification that advantage some groups, whites in this case, over others.     

A comparison of the determinants of white and nonwhite interstate migration

The primary objective of this study is to present an explanation of the interstate migratory movements of white and nonwhite persons which occurred over the period 1955–1960. The study is similar to several other recent studies in that we estimate the magnitudes in which various factors have influenced interstate or interregional migration in the United States. It differs from earlier studies in two important respects. First, we estimate and compare the magnitudes in which certain factors have influenced both white and nonwhite interstate migration. Second, unlike previous studies, many of which have made “country-wide” estimates of the determinants of migration, we have disaggregated data to the state level and obtained white and nonwhite “migration elasticities” for every state. These elasticities are in turn used to test several additional hypotheses relating to racial and regional differences in the elasticities themselves. We argue that discrimination against nonwhites and/or differences in “social milieu” between South and nonsouth provide a unifying explanation for most of the observed differences in white and nonwhite migration elasticities.     

What’s happening to the age at first birth in the United States? A study of recent cohorts

This paper analyzes cross-cohort trends in the age pattern of women at first birth in the United States. The analysis involves fitting the Coale-McNeil marriage model to the age distribution of first birth frequencies for a number of recent white and nonwhite cohorts. Methodologically, the results (a) provide support for the application of the Coale-McNeil marriage model to first birth data, and (b) demonstrate the ability of the model to accurately project first birth fertility for cohorts which have yet to complete their childbearing years. Substantively the results indicate (a) that the proportion of women who will never have a first birth is increasing across cohorts and can be expected to be as high as .25 and .20 for recent white and nonwhite cohorts respectively; (b) that recent nonwhite cohorts have an appreciable number of first births at earlier ages than their white counterparts, as well as a lower mean age at first birth and increasingly less dispersion (across cohorts) in their age at first birth; and (c) that the mean age at first birth and the proportion of first births occurring between ages 25 and 34 is increasing across cohorts of white women but is stable across cohorts of nonwhite women.     

A research on the assurance of family planning and providing for the aged]

An important cause of resistance to China's family planning (FP) program in rural areas is the need to have children to support parents in their old age. Provision of insurance for old age support will facilitate the implementation of the FP program among the rural population. A trial project was initiated in five cities and counties in Fujian province i 1986. The program included schemes for both eligible couples and for single children. The township or the village pays a lump sum or monthly premium to the insurance company for each couple, which enables them to collect 30-35 Yuan/month after they reach 55 years of age. To further expand the insurance program, a survey was conducted in 1987 to determine whether rural farmers would be willing and able to pay the insurance premium themselves. 77% of the respondents reported that they could afford to pay 60% of the premium. Among them, 59% were willing to pay. It was suggested that besides individual purchase of the insurance plan, the rural communities could contribute to the payment of the premium from the fines for unplanned births, from the local tax, and from the country government budget. Preferential treatment should be given to the couples of two daughters who receives sterilization; the communities should pay for a larger share of their premium. The current insurance scheme needs to be reformed so that the plan can offer more than the individual's bank savings. To do so, the insurance company needs to be able to invest their premium income and obtain higher returns. The employees of the insurance company need to improve their work efficiency to win the trust of the people in the program.     

Health Insurance and the Aging: Evidence From the <Emphasis Type="Italic">Seguro Popular</Emphasis> Program in Mexico

Aimed at covering the large fraction of workers in the informal sector without access to a social security program, the Mexican public health insurance program Seguro Popular began in 2002 and now reaches more than 50 million individuals. We estimate impacts of Seguro Popular for the population aged 50 and older on a set of indicators related to health care including utilization, diagnostic/preventive tests, and treatment conditional on being ill. Using the longitudinal Mexican Health and Aging Study over the period 2001–2012, we conduct before and after difference-in-difference matching impact estimators. Our results suggest large and important effects of the Program on utilization and diagnostic tests. We find overall smaller effects on the probability of being in treatment for individuals with chronic diseases, but these effects are concentrated in rural areas with relatively more health services versus rural areas with lower levels of health services. These results suggest that, to the extent that health services become more available in rural areas lacking services, effects of health insurance may increase.     

White-nonwhite differentials in occupational mobility among men in the United States, 1962–1972

Intercohort shifts between 1962 and 1972 in the occupation distributions of white and nonwhite men are analyzed and compared at ages 35-44, 45-54, and 55-64. Both white and nonwhite occupation distributions were upgraded over the decade, but among nonwhites the shifts away from the lowest-status occupations were expressed partly in increasing rates of absence from the labor force. There are indications of especially rapid shifts in the occupation distributions of nonwhite men at ages 35-44. Among whites and nonwhites intercohort shifts in the occupation distribution can be attributed primarily to changing patterns of movement from first full-time civilian jobs to current occupations, rather than to changing occupational origin distributions or patterns of movement to first jobs. The white and nonwhite occupation distributions did not show a clear pattern of convergence over the decade. They became less similar at ages 35-44 and more similar at older ages. White and nonwhite distributions were most likely to converge in those occupation groups where the share of whites was stable or declining, rather than in groups whose share of the occupation distribution was increasing. Later cohorts of nonwhites would have a much more favorable occupational distribution if they had enjoyed the mobility patterns of whites in earlier cohorts. In 1972, as in 1962, the inferior occupational chances of nonwhites are due primarily to their disadvantageous patterns of occupational mobility, rather than to impoverished social origins.     

居家养老:中国城镇老人的必然选择

居家养老是对传统家庭养老方式的改革与创新 ,是社会经济充分发展条件下的必然产物。选择居家养老的客观依据是 :城镇老年人的经济供养方式基本实现了社会供养 ;城镇老年人口的生活服务开始出现社会化趋向 ;符合中国国情。就目前社会状况来看 ,养老社会保险和老年服务社会化方面还存在一些不利于实现居家养老的现实矛盾。大力发展企业经济 ,加快城镇职工的养老保险改革 ,加强社会化养老服务设施建设是可行之路     

Cohort Succession in the US Housing Market: New Houses, the Baby Boom, and Income Stratification

Federal housing policy in the US across the postwar period supported the construction of new houses more than public provision or renovation of older structures as a means of ensuring a sufficient supply of quality dwellings. Understanding trends in new housing in particular is thus crucial to understanding the housing regime. Following Myers (Housing demography: Linking demographic structure and housing markets. University of Wisconsin Press, 1990; Housing Studies, 14, 473–490,1999), this paper conceptualizes historical change in the housing stock within a demographic framework as the movement of cohorts of households through cohorts of housing stock. Recent evidence suggests that a new cohort of houses arose in the 1980s and 1990s (larger with more amenities than past vintages), and that buyers of those new houses were increasingly affluent. In this paper, I link the succession to a new cohort of houses to household cohort succession and examine the increasing affluence of new house buyers by age and cohort, focusing especially on the entry of the Baby Boom generation exactly when the new cohort of houses arrived. I use US Census microdata for 1960–2000 to develop a cohort longitudinal dataset, and analyze historical change in stratification in new house ownership. I find significant shifts between cohorts in income inequality among new house buyers, with implications for the capacity of the housing regime to meet the future needs of an increasingly diverse population.

Racial and Ethnic Disparities in Health Insurance Coverage: Dynamics of Gaining and Losing Coverage Over the Life-Course

Health insurance coverage varies substantially between racial and ethnic groups in the United States. Compared to non-Hispanic whites, African Americans and people of Hispanic origin had persistently lower insurance coverage rates at all ages. This article describes age- and group-specific dynamics of insurance gain and loss that contribute to inequalities found in traditional cross-sectional studies. It uses the longitudinal 2008 Panel of the Survey of Income and Program Participation (N = 114,345) to describe age-specific patterns of disparity prior to the Affordable Care Act (ACA). A formal decomposition on increment–decrement life tables of insurance gain and loss shows that coverage disparities are predominately driven by minority groups’ greater propensity to lose the insurance that they already have. Uninsured African Americans were faster to gain insurance compared to non-Hispanic whites, but their high rates of insurance loss more than negated this advantage. Disparities from greater rates of loss among minority groups emerge rapidly at the end of childhood and persist throughout adulthood. This is especially true for African Americans and Hispanics, and their relative disadvantages again heighten in their 40s and 50s.     

Considering the Extremely Poor: Multidimensional Poverty Measurement for Germany

This paper applies the Alkire and Foster (J Public Econ 95:476–487, 2011) index of multidimensional poverty to German data. This is done with respect to the politically most important dimensions of poverty mentioned in the German Federal Government’s report on poverty and wealth. Additionally, a modification of the identification step of the Alkire–Foster index is proposed to guarantee that individuals, who are extremely poor in only few dimensions, are not omitted by the index.     

Family sizes of children and family sizes of women

This paper demonstrates the relation that obtains between the average family size of women and the average family size of offspring of those women. It estimates the value of these two measures for cohorts of American women aged 45–49 in various years from 1890 to 1970. It shows that children born during the post-war baby boom actually derived from smaller families than those born during the low-fertility 1930’s; that under current patterns a woman would have to bear an average of almost two children fewer than were borne by her mother merely to keep population fertility rates constant from generation to generation; and that average family size for nonwhite children exceeds that for white by 50 percent, although the racial difference in family sizes of women is only 19 percent.     

Reexamining the moving to opportunity study and its contribution to changing the distribution of poverty and ethnic concentration

For the past decade and a half a concerted effort has been undertaken to determine whether policy interventions in residential location can solve the problems of inner-city poverty and racial concentration. Studies based on data from the Gautreaux litigation and the U.S. Department of Housing and Urban Development (HUD)-sponsored Moving to Opportunity (MTO) program have provided an overall optimistic interpretation of the possibilities of improving inner-city lives via mobility vouchers and counseling. A reanalysis of the data from the MTO program, focusing specifically on African American households, suggests greater caution in the interpretation of the findings from either Gautreaux or the MTO program. No statistically significant difference exists between the percentage of poor or the percentage of African Americans in the current neighborhoods between MTO and Section 8 experimental groups. In some cases, there is no statistically significant difference between those who move with a voucher and those who move without any assistance at all. Although there is some evidence that MTO programs have brought specific gains for individual families, claims for the MTO program as a whole need to be treated with a great deal more caution than they have been to date.     

Housing Cost Burden and New Lawful Immigrants in the United States

Housing in the United States constitutes the largest expenditure for many households. Increasing rents and home prices, changes in the mortgage industry, and the growing importance of immigrants in the U.S. housing market underscore the value of examining the economic hardship that housing costs pose for immigrants. As is true for the native-born, immigrants’ allocation of financial resources to housing influences the funds available for savings, investments, survival of emergencies, and the overall economic well-being of children and families. This project employs 2003 national-level data of legal permanent residents from the New Immigrant Survey to examine an outcome lacking sufficient empirical study: the proportion of household income spent on housing. The study examines whether disparities in immigrant housing cost burden by country/region of origin persist after accounting for differences in human capital, stage in the life cycle, assimilation, and other factors. The analyses disaggregate immigrants from Latin America, Asia, Europe and other areas into more nuanced categories. The results document that after controlling for a diverse array of variables, legal immigrants vary widely in housing cost burdens by country/region of origin. These disparities have implications for the future wealth accumulation and long-term financial security of immigrants in the United States.     

Does large volatility help?—stochastic population forecasting technology in explaining real estate price process

This paper investigates the association between real estate demand and the volatility of population changes. In a financial liberalized housing market, the housing mortgage loan implies insurance function to homeowners through the default option. Larger expected volatilities in the population imply a higher value of the default option. When analyzing the impact of the long-term population development on housing prices, the traditional deterministic population forecasting employed by previous research provides limited credibility. By means of the newly developed stochastic population forecasting methodology and counterfactual numerical simulations, we found a huge volatility associated with long-term population forecasting. A positive correlation between the expected volatility of population changes and real estate demand is ascertained.     

Social Backwardness in Mexico City Metropolitan Area

This paper presents a methodology for estimating the index of social backwardness by urban blocks at Mexico City Metropolitan Area. The index, originally developed by the National Council for the Evaluation of Social Development Policy is a measure that seeks to establish differences between geographical areas located in the same region. The area of interest is inhabited by more than 20 million people assuming to be heterogeneous in their levels of quality of life. By closely following the official guidelines and by using the Population and Housing Census 2010, the obtained results are surprising. The urban block estimation suggests a 10.1 % of total population suffering from a high degree of social backwardness, contrary to the official measurements which sets it out around 0.3 %.     

论失业“救济”制度向就业“保险”制度的转型及其政策探析

我国的失业保险就其目标定位和运行状况看,基本还是一种“生活保障型”的失业保障制度,其“再就业导向”功能明显不足,甚至严重缺失,难以适应我国劳动力市场不断攀高的失业人口的压力。必须进行制度设计理念的转变和功能调整,按‘就业是最好的失业保险’原则,重构以促进失业者尽快就业和鼓励企业扩大雇佣、稳定就业为导向的“就业保险型”失业保障制度。     

Fertility trends in Pakistan--the decline that wasn't

The own-child method of fertility estimation was applied to data from 4 successive household surveys in Pakistan--the 1973 Housing, Economic, and Demographic Survey; the 1975 Pakistan Fertility Survey; the 1979 Population, Labor Force, and Migration Survey; and the 1981 Census. Results suggest large fertility oscillations 8-15 years before each survey, a sharp decline during the next 6 years, and a slight upturn in the year preceding the survey. However, when the 4 data sources are analyzed together, it becomes clear that the reported fertility declines are spurious. In fact, the results indicate that Pakistan's total fertility rate actually increased in the 2 decades preceding the 1981 Census, from slightly under to slightly above 7 children/women. This pattern is apparent when fertility data are aggregated over calendar years, allowing the tendency for errors from age misreporting to cancel one another out. Whatever fertility decline may have occurred has been confined to the very small group of Pakistan women with more than a primary education. It appears that births were misplaced away from the survey date, because of a pattern of exaggerations of children's ages that increases with age, thereby underestimating fertility in the 5-year period just before the survey. This analysis points to the value of juxtaposition of trends from multiple data sources. It further suggests a need for serious attention to family planning program performance in Pakistan if the Government's goal of achieving a birth rate of 36/1000 by 1988 is to be achieved.     

Is the Pro-Poor Premium Exemption Policy of Ghana’s NHIS Reducing Disparities Among the Elderly?

Under the act that established the National Health Insurance Scheme (NHIS), persons 70 years of age or above are automatically enrolled in the scheme and therefore can access health services free at the point of use. This suggests that the elderly who are unable to afford the premiums of private health insurance can enrol in the NHIS thereby eliminating the possibility of disparities in health insurance coverage. Notwithstanding, few studies have examined health insurance coverage among the elderly in Ghana. The lack of studies on the elderly in Ghana may be due to limited data on this important demographic group. Using data from the Study on Global Ageing and Health and applying logit models, this paper investigates whether the pro-poor exemption policy is eliminating disparities among the elderly aged 70 years and older. The results show that disparities in insurance coverage among the elderly are based on respondents’ socio-economic circumstances, mainly their wealth status. The study underscores the need for eliminating health access disparities among the elderly and suggests that the current premium exemptions alone may not be the solution to eliminating disparities in health insurance coverage among the elderly.     

Applied social reporting: A social indicators system for West German Society

This paper presents a ‘system’, i.e. systematic compilation, of about 200 social indicators in 10 areas of life, for the Federal Republic of Germany, 1955–1975. The construction of this indicator system is explained and an abridged version is introduced that can be comprised into one master table. Next, an overall evaluation of welfare development in West Germany is given and four models for a time-sequence interpretation are discussed. Finally, the present effort is put in perspective, e.g. in regard of the OECD program and of recent quality-of-life survey research.     

多层次医疗保障体系中的商业医疗保险的定位

商业医疗保险是多层次医疗保障体系的重要组成部分。本文拟从商业医疗保险的界定、发展商业医疗保险的必要性、我国商业医疗保险存在的问题及其原因以及我国商业医疗保险的发展前景四个方面展开论述 ,说明我国商业医疗保险面临的机遇与挑战