Subsidized Housing and Household Hardship Among Low‐Income Single‐Mother Households

We investigate associations of housing assistance with housing and food‐related hardship among low‐income single‐mother households using data from the National Survey of America’s Families (N = 5,396). Results from instrumental variables models suggest that receipt of unit‐based assistance, such as traditional public housing, is associated with a large decrease in rent burden and modest decreases in difficulty paying rent or utilities and residential crowding. Receipt of tenant‐based assistance, such as housing vouchers or certificates, is associated with a modest increase in housing stability but also with modest increases in rent burden and difficulty paying rent or utilities. We find no associations between either type of housing assistance and food related hardship.     

The Relationship Between Life Satisfaction Among Wives and Financial Preparedness of Households in Japan

The wealth gap between the rich and poor is widening and contributing to Japan’s shrinking middle class. This study examined concerns about the future and life satisfaction and their association with household financial preparedness (e.g., savings, investments, life insurance) among married women in Japan. Double-hurdle models assessed the probability of having savings and the amount of these savings, using the sample from the 2006 Japanese Panel Survey of Consumers (n = 1,206). Supporting earlier works from several other countries, concerns about the future were positively associated with the probability of having supplemental life insurance. Moreover, life satisfaction levels were positively associated with the probabilities of having savings, investments, and supplemental life insurance and with the amount of the investments. The findings suggest economic inequalities among women could widen in the future, as those who have and are expecting to have more financial resources are more likely to be prepared for future financial needs than those who do not.     

Ethnic Differences in Financial Outcomes Among Low-Income Older Asian Immigrants: A Financial Capability Perspective

ABSTRACT

This exploratory study examined ethnic differences in financial outcomes among low-income older Asian immigrants from a financial capability perspective. We used survey data collected from a convenience sample of Chinese, Korean, and “Other Asian” ethnic participants in a subsidized employment program (n = 159). We ran logit regressions of dichotomous financial outcomes. Regression analysis showed significant ethnic differences in some financial outcomes after controlling for financial capability and other factors. Findings did not support our hypothesis that financial capability explains ethnic differences in financial outcomes. Findings suggest the need to develop culturally suitable financial capability measures for future research.     

The Physical Housing Environment and Subjective Well-Being Among Older People Using Long-Term Care Services in Japan

Abstract

For older people using long-term care services, the conditions of their life-space may be critical. The relationships between the physical housing environment and aspects of health were examined among older people in Japan (aged 65+ years, N?=?1,928) by multivariable logistic regression analysis, adjusting for sociodemographic characteristics. Lack of safety, low access to emergency assistance, low or high indoor temperature, poor sanitary conditions, and state of home disrepair were significantly associated with negative aspects of health among people with low activities of daily living (ADL) independence. Home care service providers and policymakers need to consider the importance of appropriate environmental conditions for the most vulnerable groups.     

Chapter 3. Housing Older Canadians

ABSTRACT

Reflecting a world-wide trend toward avoidance of institutionahzation and the fostering of aging in place in the community, a range of housing alternatives has been developed for older persons in Canada. This paper examines: (1) current patterns of housing and living arrangements of older Canadians; (2) philosophies that have dominated policy and production of housing for seniors for the last 30 years; and (3) seniors' preferences and utilization rates of various options. Data sources include the 1991 census and two cross-Canada studies, one urban and one rural, in which seniors were asked about their housing and related support service needs, usage patterns and preferences. The paper concludes with a discussion of emerging trends blending shelter and services and of policy gaps that need to be addressed in meeting the future housing needs of older Canadians.     

Housing Dissatisfaction and Cognitive Decline in Older Adults

Analysis of a nationally representative, longitudinal survey of community-dwelling Americans older than 50 years of age indicated that rating the physical condition of one's dwelling unit as “poor” predicted significantly more rapid cognitive decline in subsequent years. This relationship persisted after controlling for a variety of factors such as wealth, income, education, health, family status, neighborhood safety, depression, and initial cognitive ability. Dissatisfaction with the physical conditions of one's housing may have a direct effect on the rate of cognitive decline in older adults. Addressing housing inadequacy for older adults may thus produce a wider range of societal benefits than previously realized.     

The Rise of Three-Generation Households Among Households Headed by Two Parents and Mothers Only in Australia

This study offers knowledge about factors associated with a key type of family change, namely, two- to-three-generation household transformations, which are poorly understood, despite increasing numbers of three-generation households, especially ones headed by females. Using a representative sample of 5,874 Australian children, results showed that the circumstances of children in two-generation households differed greatly by family structure. Thus, before investigating determinants of three-generation household formation, children were first grouped as living in either two-parent or single-mother households. For both groups of children, several factors were found associated with three-generation household formation. In two-parent households, the odds of three-generation household formation decreased with mothers?? ages, fathers?? higher educational attainments, and more children, but increased as children grew older. In single-mother households, the odds of three-generation household formation decreased with mothers?? higher educational attainments, increasing income, and more children, but increased if mothers had never been married and worked more hours. Living in rural areas decreased odds of three-generation household formation for children in both types of households. Overall, grandparents appear to play a relatively more important resource role in three-generation, mother only households than in three-generation, two-parent households.     

Geographic Migration Among Residents in Seniors Housing and Care Communities: Evidence From the Residents Financial Survey

ABSTRACT

Although the elderly as a while show relatively little geographic migration in the U.S., we were interested in the geographic migration patterns among a specific subset of elderly that we know have moved out of the traditional family home—those living in assisted living and independent living communities. We analyze data from the Residents Financial Survey, a survey of 2,617 residents in assisted living and independent living communities that asked about their previous living arrangement, where they lived before moving to their current community, and how their care needs were previously met. We find there is substantial migration among respondents. Using self-reported and community-reported location and zip code information, we calculated whether people moved across state lines and we computed the distance people moved between their previous location and their current community. While the median distance moved is less than 10 miles, 20% moved across state lines and 21% of the sample moved more than 100 miles, with the average distance moved among the sample being 165 to 190 miles. The evolution of living arrangements shows that there are strong correlations among respondents' current living arrangements, previous living arrangements, and their plan to move in the future.     

Financial Exploitation of Older Persons

Abstract

Financial exploitation is a recognized social problem of unknown, though likely increasing, magnitude. It can occur through numerous methods, including the misuse of powers of attorney and guardianship, illegal transfers of property, and outright fraud and theft. Financial crimes against older persons are difficult to address because they often go unreported. This paper provides a summary of findings from a study of financial exploitation of older persons. We review what is known about the nature and scope of financial exploitation of older persons and describe barriers to addressing the problem. We also identify gaps in knowledge, discuss current methods for addressing financial exploitation, and provide recommendations and suggested policy approaches for prevention and remediation.     

The Changing Financial Circumstances of Households with Children

SUMMARY. The last fifteen yeas have seen rapid changes in the financial circumstances of households with children. They are increasingly found among those on the lowest incomes and are over-represented among households dependent on income support for their survival. At the same time, changes in the social security system have left claimant families with greater financial responsibility and reduced access to additional sources of financial support from the state. The article reviews these changes in the economic welfare of households with children, paying particular attention to the circumstances of low-income families. It looks in turn at trends in household income, at changes in the social security system and at the patterns of debt and unmet needs reported by parents caring for children on low incomes.     

Factors Predicting Relocation Among Older Adults

Having a greater understanding of what influences the older adults decisions to move and the characteristics of older adults who are more likely to move is valuable to help plan for the housing needs of the expanding older adult population. The authors examined how contextual, push and pull factors influence preferences of older adults to relocate. A total of 1,015 community-dwelling older adults completed a survey. Results of logistic regression analysis indicated the following variables as significantly related to relocation: gender, age, household income, province resided in, driving status, whether the current home met the older adult's needs, and unmet heavy cleaning needs. Policies and services need to focus on identification of those at most risk of relocation and support them either in their preference to age in place or through the relocation process.     

Housing Satisfaction Among Rural Small-Town Elderly

This study models the impact of ecological/architectural, psychosocial, demographic and well-being variables on house/neighborhood satisfaction of 989 community-based rural elderly (65 years or older) in 18 small Kansas towns. Using standard structured interview data, a holdout sample strategy was employed to test the path model. Results of tests of the model confirmed the statistical reliability (p < .05) of all direct predictors of house/neighborhood satisfaction; however, some indirect paths were not confirmed. Results showed that the strongest direct predictor of house/neighborhood satisfaction was satisfaction with specific dwelling features. Implications of the model for design and social planning intervention and policy are discussed.     

Conceptions of Family and Adoption Among Older Adoptees

ABSTRACT

Research on older child adoptions that incorporates the adoptee's perspective is noticeably absent from the literature. Drawing on the theoretical, clinical and empirical literature on children's understanding of family and adoption, this paper reports a study that examined older adoptees' conceptions of family and adoption relative to nonadopted peers. Interviews with 15 children adopted between ages 8 and 11 and a sample of 15 demographically matched nonadopted children (47% male; 84% Caucasian, 13% African American, 3% Biracial Asian/American) provided data that were analyzed for differences in children's understanding and elaboration of family and adoption concepts. Although no group differences were found in children's basic understanding of family or adoption, differences emerged in children's ratings of the acceptability and typicality of family constellations, as well as in the nature of concept elaboration. Older adoptees were more likely to accept and view as typical nontraditional family constellations. Whereas nonadopted children relied more on biological themes, older adoptees' concept elaboration was qualitatively richer, reflecting their varied birth family and foster care experiences. Within-group comparisons among older adoptees revealed differences: Children with more experience in foster care and children who lived in the adoptive home longer displayed higher levels of family understanding and a more realistic perspective of the permanence of the placement. Implications for future research and adoption service delivery are discussed.     

Interhousehold Transfers of Goods and Services and Reported Well-Being Among Polish Households

Analyses of data from 600 households in the province of Lubin, Poland, five years after the economic transformation indicated the transfers of goods and services between households to be quite prevalent, with households with high levels of resources giving goods and services and those with low levels of resources receiving goods and services. The receipt of such transfers does not improve the living conditions of the receiving households relative to those who do not receive help; in fact, those receiving help report lower levels of satisfaction than those not receiving assistance.     

The Diffusion of Home Computers Among Households in Silicon Valley

No abstract available for this article.     

Leverage,Hand-to-Mouth Households,and Heterogeneity of the Marginal Propensity to Consume: Evidence from South Korea

Review of Economics of the Household - This study examines the link between households’ leverage, their liquid assets such as cash holdings or checking accounts, and the Marginal Propensity...     

Differential Health and Social Needs of Older Adults Waitlisted for Public Housing or Housing Choice Vouchers

Affordable housing is an important form of income security for low-income older persons. This article describes characteristics of older persons waitlisted for either public housing or a housing choice voucher (HCV; previously Section 8) in Portland, Oregon. 358 persons (32% response rate) completed a mailed survey with questions about demographics, health and housing status, food insecurity, and preference for housing with services. Findings indicate that many waitlisted older persons experienced homelessness or housing instability, poor health, high hospital use, and food insecurity. Public housing applicants were significantly more likely to report lower incomes, homelessness, and food insecurity than HCV applicants. We conclude with policy implications for housing and health agencies that serve low-income older persons.     

Wealth: Determinants of Savings Net Worth and Housing Net Worth of Pre-Retired Households

The objectives of this study are to determine effects of household members' characteristics, financial resources, and attitude toward intergenerational support on change in savings net worth and change in housing net worth. Subsamples of White respondents, Black respondents, and Hispanic respondents were analyzed to identify the effects of race or ethnicity on the dependent variables. Attitude toward intergenerational support was the intervening variable. Change in labor income had a positive impact on change in savings net worth for all three racial or ethnic groups. An additional child in a household and an older age of the household head were likely to decrease the change in savings net worth. Effects of the remaining variables differed by subsample. The effects of labor and nonlabor income were different for the change in savings net worth but not for the change in housing net worth. Some different effects for variables across the three racial or ethnic groups were noted.