Closing on a house feels like…

Based on my limited experience and scholarly interests, here are some possibilities for what closing on a house can be:

Fulfilling the American Dream of homeownership. On the positive side, owning your own property and providing space for a family. On the less positive side, establishing your class status.

-Agreeing to a sizable debt to a large financial institution. On one hand, you probably couldn’t buy that home without a long mortgage (thank goodness for the 30 year loan). On the other hand, you don’t really own your property for a long time and those mortgage payments just keep coming. Overall, a home is going to be the single largest investment/outlay of money for many.

-The end of a complicated process. I’ve seen several surveys suggesting many Americans dislike applying for mortgages (here is one example). It is one of those things in life many people don’t do more than a few times and it often requires a lot of paperwork (both to submit and to read).

-The start of a new era. (1) Even with the mobility of Americans and our relatively low attachment to places, we get used to the physical structures in which we live. (2) A new home often means new social arrangements as we navigate changing families and new neighborhoods and communities.

-Keeping another house occupied. Obviously, no one wants a lot of vacant properties – with lots of discussions of this in recent years involving foreclosures and particular locations like Detroit – but we can push the idea further: just how long will American homes last? Will post-war suburban homes be worth rehabbing when they hit 40-80 years of existence?

-Helping a community continue to exist. With your home purchase, you are making a commitment, if not socially (you could just retreat to the private world of your new home), then at least through your taxes. Even if we put too much emphasis on high population growth as a sign of success, communities can’t afford to lose too many residents and taxpayers.

Putting a price tag on Chicago’s segregation

A new report from the Metropolitan Planning Council and the Urban Institute suggests Chicago pays a high price for segregation:

The seven-county area’s murder rate could be cut by 30 percent, its economy could churn out an additional $8 billion in goods and services and its African-American residents could earn another $3,000 a year if it could reduce racial and economic segregation to the median level for the nation’s largest metro areas.

And 83,000 more residents could have earned bachelor’s degrees, spurring another $90 billion in collective lifetime earnings…

While the seven-county region has seen a slow reduction in racial and economic segregation between 1990 and 2010, it remained fifth-worst among the nation’s 100 most populous metro areas in 2010, the most recent full census year, the study found. The region includes Cook, DuPage, Lake, Kane, Kendall, McHenry and Will counties.

While segregation might benefit some – typically those who already have power and resources – this study suggests it harms the whole. Viewing issues of race, class, and gender might come down to these different perspectives of society: is it a zero-sum game where someone must lose for others to get ahead or can the pie be made bigger for everyone to share from? Take, for example, a period of history that is often held up as a good one for the entire country. The decades following World War II involved economic growth for most Americans as well as social change (Civil Rights, addressing poverty in cities and rural areas, the Great Society, etc.). We can’t recreate that period – it was contingent on a variety of other factors including winning World War II (and decimated economies elsewhere in the world) and the pent-up demand for many things after both a major war and the biggest global depression – but we could aim for policies that would help many people at all.

Las Vegas willing to pay record public subsidy to have NFL

How much power does the NFL have? Enough to have major cities commit incredible sums of public monies:

Las Vegas appears poised to claim the mantle of World’s Most Expensive Stadium from East Rutherford, New Jersey, where the Jets and Giants play in the $1.6 billion MetLife Stadium. (Los Angeles Stadium, Stan Kroenke’s project that will host the Rams and Chargers, is estimated at $2.6 billion—but that cost includes parts of the surrounding entertainment district.*)

Clark County taxpayers will contribute $750 million to the new arena, a record for a sports facility—about $354 per resident, taken from an increased tax on hotel rooms. That tax currently pays for schools and transportation, in addition to tourism-related expenditures.

Stanford economist Roger Noll said it was the “worst deal for a city” he had ever seen…

The state’s figures to justify that new tax are… ambitious. Its forecasts suggest 450,000 new visitors every year drawn by the 65,000-seat stadium, spending an average of 3.2 nights per visit. About a third of tickets are supposed to be purchased by tourists, although no other city manages 10 percent. Why half a million people would fly across the country to watch a team that no one wants to pay $20 to see in Oakland is not clear.

Even with the studies that show stadiums don’t contribute anything to cities, it seems that someone is always willing to pay. In this case, it wasn’t just Las Vegas: Oakland tried to put together a last-minute deal that they claimed would require even less of the team:

Schaaf told ESPN Friday she believes Oakland’s new stadium plan is viable.

“At the end of the day, this is the decision of the Raiders and the NFL,” Schaaf said. “What I am confident about is, if the Raiders want to stay in Oakland, we have a viable plan to build them a stadium with no upfront money from them, in financial terms that I believe are more favorable to them than the terms in Las Vegas — what we know of them.”

I’m still waiting for a city mayor or other big-name official to publicly bid a major sports franchise good riddance when they ask for a lot of local money. Perhaps that would be bad form – local officials are usually in the business of trying to attract everyone they can – but it could also send a strong signal about how private interests cannot overrule the long-term public interest.

Using a GRIM method to find unlikely published results

Discovering which published studies may be incorrect or fraudulent takes some work and here is a newer tool: GRIM.

GRIM is the acronym for Granularity-Related Inconsistency of Means, a mathematical method that determines whether an average reported in a scientific paper is consistent with the reported sample size and number of items. Here’s a less-technical answer: GRIM is a B.S. detector. The method is based on the simple insight that only certain averages are possible given certain sets of numbers. So if a researcher reports an average that isn’t possible, given the relevant data, then that researcher either (a) made a mistake or (b) is making things up.

GRIM is the brainchild of Nick Brown and James Heathers, who published a paper last year in Social Psychological and Personality Science explaining the method. Using GRIM, they examined 260 psychology papers that appeared in well-regarded journals and found that, of the ones that provided enough necessary data to check, half contained at least one mathematical inconsistency. One in five had multiple inconsistencies. The majority of those, Brown points out, are “honest errors or slightly sloppy reporting.”…

After spotting the Wansink post, Anaya took the numbers in the papers and — to coin a verb — GRIMMED them. The program found that the four papers based on the Italian buffet data were shot through with impossible math. If GRIM was an actual machine, rather than a humble piece of code, its alarms would have been blaring. “This lights up like a Christmas tree,” Brown said after highlighting on his computer screen the errors Anaya had identified…

Anaya, along with Brown and Tim van der Zee, a graduate student at Leiden University, also in the Netherlands, wrote a paper pointing out the 150 or so GRIM inconsistencies in those four Italian-restaurant papers that Wansink co-authored. They found discrepancies between the papers, even though they’re obviously drawn from the same dataset, and discrepancies within the individual papers. It didn’t look good. They drafted the paper using Twitter direct messages and titled it, memorably, “Statistical heartburn: An attempt to digest four pizza publications from the Cornell Food and Brand Lab.”

I wonder how long it will be before journals employ such methods for submitted manuscripts. Imagine Turnitin for academic studies. Then, what would happen to authors if problems are found?

It also sounds like a program like this could make it easy to do mass analysis of published studies to help answer questions like how many findings are fraudulent.

Perhaps it is too easy to ask whether GRIM has been vetted by outside persons…

CHA’s Plan for Transformation didn’t transform public housing much

A new report from WBEZ suggests the Chicago’s Plan for Transformation has not met its goals:

Now, more than 17 years and $3 billion later, only 7.81 percent of the 16,846 households under the Plan For Transformation live in mixed-income communities, according to data from the CHA obtained under the Illinois Freedom of Information Act through a joint study by WBEZ and Northwestern University’s Medill Social Justice News Nexus.

The rest of the households?

  • 20.81 percent live on a Housing Choice or Section 8 voucher
  • 15.97 percent live in traditional public housing
  • 11.99 percent were evicted
  • 9.59 percent have died

The remaining 33.82 percent are living without a government subsidy.

The Plan For Transformation is the largest remake of public housing in the nation. It has simultaneously produced new communities and tracts of vacant land, gentrification and segregation throughout the city.

Arguably, the most “successful” part of the Plan for Transformation was limiting the visibility of public housing  by demolishing high-rise buildings. But, that did little to help the public housing residents or the neighborhoods in which the high-rises were located (Cabrini-Green is an exception because it was already located near wealthier and whiter residents). All that money and effort…could it have worked out better if it (1) wasn’t managed by the CHA (which has a poor record over decades of providing public housing) or (2) wasn’t located in Chicago (the one Rust Belt city that has supposedly made it but still has serious problems including residential segregation)? Efforts elsewhere have also been mixed – leading to the thought that perhaps the federal government can’t do much in this area. This doesn’t mean that the idea of public housing is worthless but maybe that issues of race, class, and residential segregation are really difficult to overcome.

Does the population size of the US get in the way?

One idea I’ve had in my mind in recent years is how the population size of the United States interacts with the country’s stated ideals and policies. Is it possible to be the United States with over 320 million residents? When I hear discussions of policy, I am regularly struck by the size of the issue at hand. Healthcare is a good example. Any changes at the Federal level – whether adding to existing policies or retracting what currently exists – would have significant impact on millions of people as well as have a sizable effect on the budget. Additionally, we have multiple layers of government (federal – three branches, state, county, township – not everywhere, municipality, some regulatory and taxing bodies that span these layers) that can sometimes add to the complexity. Furthermore, we are a relatively open society that incorporates many people and comes out with something “American.” We may not be one of the happiest countries in the world but a number of the countries at the top of the list are simply not as socially complex. Indeed, of the 13 countries ahead of the United States, only one is 1/10 the population size (Canada) and the rest don’t come close to that.

On the other hand, we have had an explosion of the Internet and social media that allows us to drill down to individual experience after individual experience. One way to think about social media is that it allows the experiences or opinions of individual actors to reach a wide audience. However, these individual experiences can blur the wider patterns at play. How can we compare anecdotes?

Perhaps the practical question in this: how do we operate between these two scales of a large-scale complex society versus the individual actor? It is not easy to do as either scale has drawbacks and benefits. At the least, it highlights that the “American Experiment” continues, perhaps now less based on our democratic and republican aspirations but more in terms of size and complexity.

While all other major cities grow, Chicago loses population

According to the latest Census figures, Chicago continues to be an outlier among the largest US cities:

Of the country’s 10 largest cities, the Chicago metropolitan statistical area was the only one to drop in population between 2015 and 2016. The region, defined by the U.S. Census Bureau, includes the city and suburbs and extends into Wisconsin and Indiana.

The Chicago metropolitan area as a whole lost 19,570 residents in 2016, registering the greatest loss of any metropolitan area in the country. It’s the area’s second consecutive year of population loss: In 2015, the region saw its first decline since at least 1990, losing 11,324 people.

By most estimates, the Chicago area’s population will continue to decline in the coming years. Over the past year, the Tribune surveyed dozens of former residents who’ve packed up in recent years and they cited a variety of reasons: high taxes, the state budget stalemate, crime, the unemployment rate and weather. Census data released Thursday suggests the root of the problem is in the city of Chicago and Cook County: The county in 2016 had the largest loss of any county nationwide, losing 21,324 residents…

While Chicago suffered the largest population loss of any metropolitan area, the greatest metropolitan population gains were in Texas and Arizona. The Dallas-Fort Worth- Arlington, Texas, metropolitan area gained more than 143,000 residents in 2016, and the Houston region gained about 125,000. The Phoenix area gained about 94,000 residents and the Atlanta region gained about 91,000 people.

The ascendance of the Sunbelt continues. While this demographic shift has been in the works for decades, at what point can we declare that America is a Sunbelt nation? Granted, there is still significant power in other parts of the country – for example, New York, Chicago, Ohio, Pennsylvania – but the swath of America from Virginia to southern California both covers a lot of residents and has an increasing amount of influence.

A map that would reveal what was there before the highway was built

This article discusses a cool tool that removes highways on the map so you can see what else is using that space:

In true public-spirited manner, the map is built from an OpenStreetMap, with tags identifying highways, off-ramps, and exits to make the roads vanish or reappear. However, Sisson didn’t set out on a nihilistic quest to annihilate all highways—he just wanted to look underneath them.

I wish this went one step further: when the highway is removed from the map, could we see what was there before? Urban highways have famously altered numerous neighborhoods – whether the highway that was later replaced by the Big Dig in Boston or the fight between Jane Jacobs and activists in Manhattan and Robert Moses to avoid a new highway or the Dan Ryan in Chicago separating black and white neighborhoods – yet those neighborhoods mostly disappear. The highway seems permanent even though most have only been around for 50-70 years. Of course, it would be really difficult to project what those spaces might look like today if the highway had not been constructed but it would still be nice to be able to peel back the layers. Actually, this wouldn’t be a bad idea for many city locations: what if Google Maps had a timeline component where you could set it to 1950 and see what there then (particularly if images could be incorporated) or even earlier?

An award-winning redesigned McMansion entry inspired by baskets

Can you redeem a McMansion with redesigned spaces? Here is one such example from Juneau:

A Juneau McMansion’s redesigned entryway was recently celebrated at the 17th Annual Northwest Design Awards in Seattle. Juneau’s Bauer/Clifton Interiors took first place for most innovative design for their work. The entire home’s remodel was inspired by something you might not expect…

But the biggest influence for the entryway might surprise you.

“Looking at the bottom of a woven basket,” said Bauer. “It was something that the owner collected and was very fond of and we had one of them that we took as an inspirational piece that we had laying here on our island in our studio. That was the piece that we turned over and looked at, and it was when the light went off and went, ‘OK, let’s try doing this — let’s try creating a woven wood floor,’” said Bauer.

With farmhouse chic in mind, the designers found reclaimed 150-year-old American chestnut wood flooring from an old farm in West Virginia. The reuse factor is something the designers like, too.

We might imagine an odd scenario: those McMansions that critics say are so garish on the outside, such an ugly mishmash of styles, may just have beautifully designed interiors. Much of the architectural critique of McMansions emphasizes the outside and this makes some sense; they are easier to view and the exteriors are part of how the home presents itself to the world and thus influences social interactions. On the other hand, the prime private space that the McMansion has – thousands of square feet – is hidden from public view and is primarily meant for the residents. Granted, many McMansions may have problems on both the outside and inside but it is much harder to summarize their interiors.

Put differently, can McMansions be redeemed by designing them better from the inside out?

Toll Brothers still claiming they are not building McMansions

Few people want to claim the McMansion as their own. In particular, one of the noted national builders of large homes continues to say they do not build McMansions:

“We’re not seeing any reduction in the size of homes people want,” Tim Gehman, Toll Brothers’ director of design, told Business Insider. “The sizes of homes are back to pre-downturn dimensions, and sales are booming.”…

Toll Brothers is quick to dismiss the idea that Henley homes — or any of its other luxury home models, for that matter — are McMansions.

“It has to do with proportions. Is it just the same house with a lot more space in it, or is it more smartly designed with more rooms?” Gehman said. “We pride ourselves on the quality of the design, the livability, and the attractiveness of a home. We don’t want to be so devoid of what has been historical in any particular region just to get square footage. It’s important that it lives in its environment well.”

He added: “No one likes McMansions, ever, but a well-appointed luxury home, on the other hand, is still very popular. Our buyers are savvy buyers. As much as they have different tastes, they also know that they’re buying a commodity, and they’re investing in it. Until the market in general changes its point of view on what is valuable, most are not likely to spend on what they think won’t return value.”

Two quick thoughts:

  1. I get that they don’t want to associate themselves with McMansions. But, the explanation above seems forced. What exactly is the difference between a McMansion and “a well-appointed luxury home”? To the outside observer, not much. To the careful brand protector, everything.
  2. Toll Brothers has received a lot of press in recent decades regarding McMansions. Are they the worst offenders or just the biggest builder out there? Who else is building these homes – a bunch of regional builders? I have seen little about how all those McMansions were constructed without Toll Brothers invoked.