Author Archives: legallysociable

People who waste money purchase McMansions

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McMansions aren’t just critiqued on an architectural level. Another argument is that owners of such homes are not frugal with their money:

As a gift to the institution that gave her so much joy, the former school teacher left $2.5 million to the Council Bluffs Public Library…

Cook supported the library financially throughout her life, thanks in part to money inherited from her parents, who also passed on their love of books and learning to their daughter. As an adult, Cook would stop by after school let out. She taught from 1964 to 1997 at Norris and the now-closed Bancroft Junior Highs in the Omaha Public Schools system. After retirement she spent even more time at the library, volunteering with the Friends of the Library organization…

He said Cook maintained the wealth she inherited through an unassuming lifestyle, spending her money wisely while living in a modest home on the west end of the city.

“She lived frugally. She didn’t have a McMansion,” her attorney said. “She took care of her money.”

In other words, people who buy McMansions spend lavishly. Such homes are testaments to their money, perhaps through their size or bad design. In contrast, people who are good with their money (and can donate big sums to the local library) live in unassuming houses. They don’t feel a need to show off their money with a big, flashy home.

Of course, these are broad generalizations. Cases like these reinforce the idea that not spending on a big house helps lead to more long-term wealth. Someone who had $2.5 million to donate to the local library could have easily afforded a decent-sized McMansion near Omaha and still have had $1.5+ million to donate. I think the idea is that buying a McMansion is a sign of broader spending patterns but this is not necessarily the case. This is a good example of citing McMansions as shorthand for other undesirable behaviors.

Are America’s most admired simply America’s most powerful?

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Peter Beinart looks at the most recent Gallup’s most recent Most Admired poll and notices a trend:

Nor is it true that Gallup merely measures celebrity, since athletes and Hollywood icons are largely absent. Looking at the winners across the decades, the most common denominator is power. Indeed, the only female winners not in close proximity to political power are Mother Theresa in the 1980s and 1990s and Elizabeth Kenny, an Australian nurse who gained fame treating polio, in 1951.

The men tell a similar story. Presidents almost always win. When they’re deemed weak or unpopular, the public anoints another strong political figure: Douglas MacArthur supplants Harry Truman in 1946 and 1947; Dwight Eisenhower tops Lyndon Johnson in 1967 and 1968; Henry Kissinger replaces Richard Nixon between 1973 and 1975. Even the religious figures who do best are the ones closest to power. Although he never wins, the Reverend Billy Graham—famous for pastoring to presidents—makes the top-10 list more than other man between 1948 and 2005. The other highest-scoring religious figures are popes. Missing are any of the clergy, like William Sloane Coffin or Daniel Berrigan, who made their names fighting the Vietnam War.

In fact, activists protesting injustice rarely rank highly. That includes Martin Luther King. He doesn’t make America’s top 10 most admired men in 1963, the year of the March on Washington. King comes fourth in 1964 and sixth in 1965 but then falls out of the top ten again in 1966 and 1967. The same is true for Nelson Mandela. By the mid-1980s, the global anti-apartheid movement had made Mandela a household name. But as far as I can tell, he doesn’t crack Gallup’s top-10 list until he is elected South Africa’s president in 1994. (To be fair, I was only able to check 1983, 1984 , 1986, 1987, and 1992. For 1993, I could only find the top five. After 1994, Mandela becomes a top-10 regular. But by then, the Cold War is over, the controversy surrounding his communist sympathies has evaporated, and he’s become safe.

I suppose we shouldn’t be too surprised at this. Part of it could be that people get to vote for some of the political positions so they feel like they had a voice. Additionally, the media tends to cover the most powerful a lot. Celebrities may get a lot of attention but they tend not to do too well, whether star athletes or Hollywood stars, in job prestige rankings.

Beinart suggests the American public should pay more attention to activists, people fighting for justice rather than people holding the reins of justice. These two things are not mutually exclusive: powerful leaders can be good leaders. But, this could be a problem if people are admired simply for the power they command rather than for what they actually do with that power.

Colleges with whiter student bodies present more diversity in their promotional materials

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A sociologist talks about race and ethnicity in the promotional materials colleges offer:

Even without Photoshop, colleges try to shape the picture they present to prospective students, says Tim Pippert, a sociologist at Augsburg College in Minnesota.

“Diversity is something that’s being marketed,” Pippert says. “They’re trying to sell a campus climate, they’re trying to sell a future. Campuses are trying to say, ‘If you come here, you’ll have a good time, and you’ll fit in.’ ”

Pippert and his researchers looked at more than 10,000 images from college brochures, comparing the racial breakdown of students in the pictures to the colleges’ actual demographics. They found that, overall, the whiter the school, the more diversity depicted in the brochures, especially for certain groups.

“When we looked at African-Americans in those schools that were predominantly white, the actual percentage in those campuses was only about 5 percent of the student body,” he says. “They were photographed at 14.5 percent.”…

Rawlins says that showing inflated diversity can actually be a step toward creating a more diverse campus. It helps students imagine themselves at those schools. But balancing representation and aspiration is difficult.

It would be interesting to then take the next step and look at the effects of the differences between what is represented in the promotional materials versus what is actually happening on campus.

“They get McMansions, we get McJobs”

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One columnist suggests McMansions are for the few thriving in the current economy while everyone else gets low-paying jobs:

The Great Recession ended in mid-2009, but for middle class Americans the economic “recovery” never began.

Times will get harder in 2014 for thousands of families in Bucks and Montgomery counties. As reported in this newspaper, long-term unemployment benefits ceased on Saturday for 73,000 Pennsylvanians, about 6,000 of them in the two counties. These people and their dependents will have the penultimate hope ’n change experience – no job, few prospects for full-time work and no unemployment benefits.

The economic news for the majority of Americans has not been good in recent years. However, I’m intrigued by the argument about who McMansions are for. The suggestion here is that McMansions are only for the wealthy, those who have still done well in the economic crisis. Yet, the typical usage of the word McMansion implies that they are big houses for the masses, not just the wealthy. At the economic peak in the early 2000s, the idea of a McMansion meant that a middle-class American could purchase a large and ostentatious home.

At play here is the relative status of McMansion owners. Are they the nouveau riche who are trying to conspicuously present their wealth? Are they the top 10% of the population? The truly wealthy don’t need McMansions – they have mansions – but in times of more scarcity, McMansions might not be for the masses. Also, the article seems to present its criticism of McMansions from those of lower economic and social standing whereas some of the critique of McMansions in recent decades has come from the top in suggesting the owners aren’t really wealthy or don’t have much architectural taste.

Is the US housing stock too old?

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A recent article discusses an aging American housing stock:

According to a recent survey from research firm RealtyTrac, 71 percent of U.S. single-family homes were built before 1990. In some states, particularly in the Northeast, pre-1990 houses make up 80 percent of recent sales.

Experts say the new-home drought is mainly due to a hangover from the real estate bust. Homebuilding, which practically came to a halt five years ago, has been slow to restart as big developers have remained skittish. New-home construction this year is still 40 percent below normal long-term levels, says Jed Kolko, chief economist at real estate website Trulia.com.

Furthermore, builders have focused on multifamily homes, and individual buyers have not had access to all the new single-family houses coming to market.

“Wall Street-backed money has scooped up newer homes to use as rental properties,” said Daren Blomquist, vice president of RealtyTrac. “That’s pushed the already-low new-home inventory down to record levels.”

The article seems to suggest the housing stock is too old but then doesn’t provide much evidence that this is the case. Based on the figures presented here, it sounds like 29% of American homes have been built since 1990. Is this too high or too low? Here are a few ways we could approach this argument:

1. There is a certain percentage of the housing stock that should be from the last two decades in a healthy economy or housing market and the US has not met this.

2. Perhaps demand for newer homes has increased. It could be that more homebuyers want homes that require little work or homes with certain features. Thus, this is less about having a set amount of newer homes and rather about responding to what customers want. Theoretically, if more people wanted older homes, then fewer new homes would need to be built.

3. Citing these figures is more of an introduction for then talking about how homebuyers should approach purchasing an older home (As the rest of the article does).

4. The percent of new housing stock will differ quite a bit by metropolitan area and region. While the Sunbelt has been growing faster, Midwestern and Northeastern regions have been growing more slowly.

All together, the quick claim here that the American housing stock is too old needs some more explaining.

Small city mayors return to normal life

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While big city mayors get plenty of attention for trying to get stuff done, what happens to mayors of smaller communities when they leave office? Here are five examples from the Chicago suburbs:

The 57-year-old Birutis now works as the director of finance and administration for St. John the Baptist Catholic Church and school in Winfield. She took the job a few months before stepping down as mayor…

In September, DeWitte was named Kane County’s latest representative to the Regional Transportation Authority…

Mulder is a member of the Metra board, although she’s said she’ll step down when her term ends in June 2014.

She continues to lead the O’Hare Noise Compatibility Commission, a group dedicated to reducing aircraft noise in the neighborhoods surrounding the busy airport…

Since leaving the mayor’s office in Mundelein, the 49-year-old Kessler has continued working as a clinical psychologist and a professor of psychology at Roslyn Franklin University in North Chicago.

None of these mayors fought battles this large but for some reason I’m reminded of Cincinnatus and his return to normal life. From what I know of local government, many local officials get into it in the first place because of some issue they want to address or fix in the community in which they live. Such moves are rarely motivated by big party politics as local municipal elections in the US tend to be between local factions or unaffiliated candidates. And being a mayor is often not a full-time job so retaining a job still often matters. Yet, it is interesting to note that three of these five mayors are still involved with regional or intergovernmental boards. Being a mayor of a smaller community can lead to other positions that affect a broader range of residents.

While the article is headlined “Weren’t you the mayor?”, I suspect most residents in their communities wouldn’t know the former mayor if they saw them. Such is the fate of local officials in communities where voting turnout is often low.

The continued rise of the Sunbelt: Florida’s population to pass New York’s

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One of the largest demographic shifts in American history continues: Florida’s population will soon surpass that of New York.

When the 2013 census results are revealed on Monday, Florida is expected to edge out New York as the third most populous state. The population gap between New York and Florida has been closing quickly over the past few years, but the ranking swap could still signify changes ahead for both states.

According to The New York Times, the new census figures reflect the trend of migrants born outside the U.S. making their way toward sunnier states, like California, Texas — the top two most populous states — and Florida. The Times reports that roughly 50,000 New Yorkers move to Florida each year, compared with only 25,000 Floridians who come to New York. Though New York state’s population is still growing, it is far outpaced by Florida growth. And upstate New York is largely economically stagnant, while cities like Tampa and Jacksonville flourish…

A larger population can dictate a state’s future, in addition to simply reflecting its current circumstance. It means a larger chunk of the federal government’s money and more political representation. The New York Times explains:

The changing population pattern could have many practical and political implications, including diminished congressional delegations, a setback New York already suffered in 2010 — the year of the last decennial census count — when the state lost two districts, while Florida gained two seats. Census data also inform how billions of dollars in federal funding and grants are divvied up among the states, for things like highway planning and construction, public aid for housing and health care and education programs.

It is interesting to see the attention these estimates are getting. This population shift to the Sunbelt has been happening for decades now, spurred on by being closer to immigration sources (the 1965 Immigration Act helped increase immigration from Mexico and Latin America), warmer weather, more affordable housing, and economic growth. But, I suspect there are some other reasons in particular to point out the closeness in population of New York and Florida:

1. New York, particularly New York City, is seen as an American center of power (economic, political, cultural, social). Florida is seen as a place where people go on vacation or to retire. Yet, the population shift suggests Florida might be able to grow in power and influence while a relative population decline suggests New York has already peaked.

2. A conservative-liberal divide between the two states. For example, the New York Times article cited above mentions the stand your ground law in Florida as well as the implications for Congress. The horrors that might ensue if the people of Florida get to help dictate policy for the people of New York City…

3. It is more difficult to understand larger population trends without having these kinds of comparisons. In other words, we could say the Sunbelt population has grown 15% over 10 years while the population in the Northeast has grown 4% over the same period but these are big areas and vague numbers. Being able to pit two states against each other makes the data more understandable and produces a better news story.

Bigger gap in viewing race between white and black Christians

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A new study looks at how white and black Christians in America view race – and the two sides are still far apart:

“The new findings … lay bare the dramatic and growing gap in racial attitudes and experiences in America,” writes David Briggs in releasing the second wave of results from the Portraits of American Life Study (led by Michael Emerson of Rice University and David Sikkink of Notre Dame) via the Association of Religion Data Archives. “We do not live in a post-racial nation, the [new 2012 results] suggests, but in a land of two Americas divided by race, and less willing than ever to find a common ground of understanding.”…

1) More evangelicals and Catholics have come to believe that “one of the most effective ways to improve race relations is to stop talking about race.” In 2012, 64 percent of evangelicals and 59 percent of Catholics agreed with this statement, up from 48 percent and 44 percent respectively in 2006…

2) More evangelicals now agree that “it is okay for the races to be separate, as long as they have equal opportunity.” In 2012, 30 percent of all evangelicals agreed, up from 19 percent who said the same in 2006…

In 2006, more than 4 in 10 white non-evangelical Protestants agreed that the government should do more, versus only 3 in 10 white evangelicals and white Catholics. But in 2012, researchers found that “the religion effect disappeared” thanks to “substantial declining support” among white mainline Protestants (dropping from 42 percent to 21 percent) and white “other” Protestants (42 percent to 20 percent). Thus, “regardless of religious affiliation, whites were statistically identical to each other” by 2012.

5) More Americans now say they have been “treated unfairly” because of their race. And moreover, the increase from 2006 to 2012 was statistically significant for all groups: blacks (36% to 46%); Hispanics (17% to 36%); Asians (16% to 31%); whites (8% to 14%); as well as all Americans (13% to 21%).

Looks like more evidence for continuing to assign Divided By Faith to my Introduction to Sociology classes…

Jaywalkers vs. car culture in downtown Los Angeles

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The battle for Los Angeles may not involve aliens but rather jaywalking pedestrians versus cars in downtown Los Angeles:

It is not quite “Dragnet,” but the Police Department in recent weeks has issued dozens of tickets to workers, shoppers and tourists for illegally crossing the street in downtown Los Angeles. And the crackdown is raising questions about whether the authorities are taking sides with the long-dominant automobile here at the very time when a pedestrian culture is taking off, fueled by the burst of new offices, condominiums, hotels and restaurants rising in downtown Los Angeles…

The police say they are simply trying to maintain order at a time when downtown Los Angeles, once a place of urban tumbleweeds and the homeless, is teeming with people competing for pavement with automobiles. “There’s a huge influx of folks that come into the downtown area,” said Sgt. Larry Delgado of the Central Traffic Division. “If you go out there, you are going to see enforcement.”

These pedestrians are confronting not only the police, but a historically entrenched car culture that has long defined the experience of living and working in Los Angeles. With its wide streets, and aggressive motorists zipping around corners, cutting in and out of lanes and sneaking past red lights, Los Angeles is hardly built for people who prefer to walk.

Yet times may be changing. There are an increasing number of people using bicycles, taking advantage of an expanding network of bike lanes. Los Angeles is in the midst of a major expansion of its subway and bus system. Much of the urban planning in recent years, particularly downtown and in Hollywood, is intended to encourage people to give up their cars in favor of public transit, walking or biking.

It is hard to tell what exactly is going on here without some hard data about jaywalking fines in downtown LA over time. However, it does make for an interesting narrative: while many cities and places are trying to encourage more pedestrian and bike use (for its green, health, congestion, and other benefits), Los Angeles is cracking down on walkers. The issue is that LA is perhaps the prototypical car city in the entire world. The sprawling city has traditionally not had a downtown on the scale of other major cities that people would want to crowd. The metropolitan area seems to stretch on forever, crisscrossed by numerous highways. This is home to the Beach Boys singing about driving, the rise of fast food, and lots of car commercials.

Jaywalking may be an opening skirmish but this could blossom into a longer war over the heart of Los Angeles: is it really a city about cars or can it also contain dense, walkable nodes? Critics of sprawl would see a Los Angeles full of pedestrians (at least in pockets) as a tremendous success story.

Americans like homeownership – but some really dislike the process of obtaining a mortgage

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Recent data suggests numerous Americans don’t like the process of getting a mortgage:

To be fair, a little more than half the 1,000 people polled this fall found the buying-lending experience rather simple and easy to navigate. But nearly 1 in 4 said they would rather gain 10 pounds, and almost 1 in 8 would rather spend 24 hours with the person they dislike the most.If you think that’s bad, 7% would rather have a root canal, and almost that many would choose a night in prison over going through the mortgage process again.

Asked another way — “Which of the following makes you extremely uneasy or anxious” — obtaining financing again scored very low in the Guaranteed Rate study. In fact, more people were more comfortable with public speaking, being in high places, flying in an airplane, being around snakes and being in a confined space than they were going through the mortgage process.

This flies in the face of the latest J.D. Power mortgage origination satisfaction study, which found that more borrowers were pleased with their lenders now than at any time in the last seven years.

Overall customer satisfaction improved for the third consecutive year. But as you might expect, first-time buyers who have never had to navigate the system weren’t as tickled as repeat buyers and refinancers.

I remember a whole mess of paperwork though the actual numbers and costs didn’t seem too complicated. Several pieces of this process might lower people’s satisfaction:

1. The idea that someone knows all of your financial information. Americans are pretty guarded about their incomes (try bringing it up even vaguely in social settings) so even though the bank needs all of this information, it makes people nervous.

2. The purchase of a home will be the biggest single investment many people make so it induces nervousness about being tied down and having to make monthly payments for the next (usually) 30 years. Perhaps this kind of investment should make people nervous…

3. First-time homeowners are not well educated about what it takes to purchase a home, even if they have a strong idea that they should purchase a home. For example, HGTV shows the mortgage process isn’t much of anything at all: you go from liking a home, making an offer, to living happily ever after in the home. Granted, getting the mortgage and working out the details is not exciting television but there is little information about mortgages conveyed by these shows.

It is too bad the article doesn’t discuss the characteristics of those who disliked the mortgage process more. Could it be disproportionately lower-income residents who don’t have that much money to spare? Could it be younger adults who are used to processes going quicker?