A5082612952- Housing, Finance, and Neoliberalism
- Housing Market and Economics
- Financial Literacy, Pension, Retirement Analysis
- Banking stability, regulation, efficiency
- Urban, Neighborhood, and Segregation Studies
- Regional Development and Policy
- Health disparities and outcomes
- Urban and Rural Development Challenges
- Migration, Aging, and Tourism Studies
- Geriatric Care and Nursing Homes
- Cultural Industries and Urban Development
- Community Development and Social Impact
- German Economic Analysis & Policies
- Banking Systems and Strategies
- Global Public Health Policies and Epidemiology
- Insurance and Financial Risk Management
- Aging and Gerontology Research
- finance, banking, and market dynamics
- Microfinance and Financial Inclusion
- Homelessness and Social Issues
- Employment and Welfare Studies
- Pericarditis and Cardiac Tamponade
- Night-time city culture
- Narrative Theory and Analysis
- Elder Abuse and Neglect
University of California, Berkeley
2012-2023
University of California System
2021
Federal Reserve Bank of Philadelphia
2019
Berkeley College
2012-2013
University of Florida
2013
Center for Responsible Lending
2012
Federal Reserve Bank of San Francisco
2006-2011
University of California, Irvine
2006
University of Washington
2003-2004
Stobhill Hospital
1988
The impacts of the foreclosure crisis have been widespread, catalyzing worst economic downturn since Great Depression and leading to dramatic declines in housing equity wealth. However, Black Hispanic households communities disproportionately affected by crisis, contributing a tightening credit standards retrenchment lending these communities. This study uses unique, national data set purchase mortgages originated between 2004 2007 examine racial ethnic dimensions subprime practices that...
Abstract We assessed whether early childhood and adulthood experiences of neighborhood privilege, measured by the Index Concentration at Extremes (ICE), were associated with preterm delivery related racial/ethnic disparities using intergenerationally linked birth records 379,794 California-born primiparous mothers (born 1982–1997) their infants 1997–2011). ICE measures during approximated economic dimensions privilege disadvantage separately (ICE-income, ICE-race/ethnicity) in combination...
Abstract State antipredatory lending laws ( APL s) are designed to protect borrowers against predatory that can increase the risk of default and deplete home equity held by borrowers. Federal regulators instituted preemption limited scope reach state regulations for certain lenders. Based on variation in regulatory environment among lenders, this paper identifies effects federal s quality mortgages originated preempted The results provide evidence a relatively higher loans exempted from...
Homeownership has long been associated with a myriad of economic, social and civic benefits, prompting countries such as Norway to expand access homeownership for socio-economically disadvantaged households. In this paper, we explore the impact on residential stability using longitudinal data-set renters who applied state mortgage programme in between 2004 2010. These data allow us specifically address issue selection bias our analysis. We find that even after controlling wide range...
1. We have previously shown that salbutamol induced hypokalaemia, like adrenaline is the result of stimulation a membrane bound beta 2-adrenoreceptor linked to Na+/K+ ATPase. also demonstrated hypokalaemia potentiated by therapeutic concentrations theophylline. 2. In single-blind study 14 normal volunteers, we infused in doses used clinical practice and examined effects addition theophylline alone or combined with (-)-adrenaline on plasma potassium levels, heart rate blood pressure. The...
We reviewed the M-mode and two-dimensional echocardiograms of 100 consecutive patients with rheumatic heart disease. All were subsequently studied by cardiac catheterization angiography. In four patients, showed tricuspid stenosis (average mean diastolic gradient 6.2 mm Hg), which was confirmed during surgery. echocardiography a diminished EF slope in 12 (mean 26 mm/sec), including stenosis. Seven eight without had significant pulmonary hypertension; reasons for other patient could not be...
This paper extends scholarship on the 'everyday practices' of global finance by specifically examining decisions, motivations, and financial practices homeowners caught up in subprime lending boom California. Drawing evidence from 80 in-depth interviews Oakland Stockton, explores how enacted their own subject positions within ecologies markets. The research enriches complicates our understanding interplay between financialization formation subjects, highlights race class, affective ties,...
In 2017, California revised its Qualified Allocation Plan to encourage more Low-Income Housing Tax Credit (LIHTC) development in high-opportunity neighborhoods, with the goal of improving residents' economic mobility. However, very little research exists on LIHTC residents, their barriers mobility, or neighborhood preferences. this article, I draw qualitative surveys and interviews residents living 18 developments across explore linkages between housing affordability, conditions, access...
Purpose The purpose of this paper is to explore opportunities and barriers using lean construction address issues related the value, quality scalability affordable housing production in Latin America. Design/methodology/approach This presents a case study developer Ecuador that used design stages an project. describes how addressed operational challenges derived from implementing customization strategy analyzes qualitative quantitative data assess outcomes initiatives. Findings reduced cost...
ABSTRACT:In this study, we examine the impact of state antipredatory lending laws (APLs) on neighborhood foreclosure and delinquency rates using a set panel data regression models. We find strong evidence that neighborhoods have lower default in states with extended federal coverage and/or restricted more mortgage contract terms, broader subprime loans high points fees, restrictive regulations prepayment penalties. A typical APL lowers by between 3.8% 18%, depending risk measure considered....
As policymakers develop underwriting guidelines for qualified residential mortgages (QRM) — which are exempt from risk retention requirements privately securitized under the Dodd-Frank Wall Street Reform and Consumer Protection Act both consumer industry groups have raised concerns about disproportionate impact that restrictive QRM may on low-income, low-wealth, minority, other households traditionally underserved by mainstream mortgage market. In this study, we examine way different affect...