How women are “taking the lead” in retirement decisions

Within a story about the large number of people who wish to move when they retire, a sociologist suggests that a shift in retirement has taken place: while men have often decided where a couple might go, women are now playing a more active role in deciding where couples should go:

“Retirement used to be a male transition that wives really just accommodated,” says Phyllis Moen, a professor of sociology at the University of Minnesota. “Now women are taking the lead and planning what is going to come next. There’s a ‘his’ and a ‘her’ view of things.”

The “her” view catches many men by surprise. Cheryl Rampage, a clinical psychologist at the Family Institute at Northwestern University, recalls a man who wanted to retire to Palm Springs, Calif., and play golf. The wife wanted to stay in Chicago. “He took it as a huge slap in the face,” Ms. Rampage recalls. “He had developed this dream in his head without being in a conversation.” After some therapy, the couple agreed to move to a city they both liked.

I would be interested to hear a longer explanation about why this shift has taken place: feminism? More participation of women in the labor force? Changes in what retired people or people near retirement expect to experience in retirement?

Number of multiracial Americans grows in 2010 Census

In the 2000 Census, respondents were able to indicate for the first time that they are multiracial. The latest figures from the 2010 Census suggest that the multiracial population is growing at higher than expected rates:

In the first comprehensive accounting of multiracial Americans since statistics were first collected about them in 2000, reporting from the 2010 census, made public in recent days, shows that the nation’s mixed-race population is growing far more quickly than many demographers had estimated, particularly in the South and parts of the Midwest. That conclusion is based on the bureau’s analysis of 42 states; the data from the remaining eight states will be released this week.

In North Carolina, the mixed-race population doubled. In Georgia, it expanded by more than 80 percent, and by nearly as much in Kentucky and Tennessee. In Indiana, Iowa and South Dakota, the multiracial population increased by about 70 percent.

“Anything over 50 percent is impressive,” said William H. Frey, a sociologist and demographer at the Brookings Institution…

Census officials were expecting a national multiracial growth rate of about 35 percent since 2000, when seven million people — 2.4 percent of the population — chose more than one race. Officials have not yet announced a national growth rate, but it seems sure to be closer to 50 percent.

This is interesting data, particularly since these figures exceed expectations. There are several issues to note with the data. First, some of the largest growth is taking places in states like Mississippi where there is a large percentage increase because there were so few interracial people in the 2000 Census. A second question we could ask about this data is whether this is primarily an increase in multiracial relationships or is it simply a reflection of changing measurements from the US Census? One sociologist suggests the second option could be plausible:

“The reality is that there has been a long history of black and white relationships — they just weren’t public,” said Prof. Matthew Snipp, a demographer in the sociology department at Stanford University. Speaking about the mixed-race offspring of some of those relationships, he added: “People have had an entire decade to think about this since it was first a choice in 2000. Some of these figures are not so much changes as corrections. In a sense, they’re rendering a more accurate portrait of their racial heritage that in the past would have been suppressed.”

So then perhaps we shouldn’t be surprised by these large increases in percentages; rather, we have better instruments by which to collect this data.

This Census data does seems to line up with changing attitudes about interracial relationships. In a recent story from Pew Research about what 90% of Americans can agree about, Pew showed how the approval of interracial relationships has grown a lot in the last several decades:

It is remarkable how this has jumped from 48% in 1987 to 83% approval in 2009. But if there is more approval for interracial relationships, then there is likely to be more relationships, marriages, and eventually children who identify as multiracial.

Florida leads country with 18% home vacancy rate

While foreclosures and vacancies are a problem throughout much of the United States, some states have been hit harder than others. New data from the Census Bureau shows Florida has the highest home vacancy rate in the country:

On Thursday, the Census Bureau revealed that 18% — or 1.6 million — of the Sunshine State’s homes are sitting vacant. That’s a rise of more than 63% over the past 10 years…

The vacancy problem is more dire in Florida than in any other bubble market: In California, only 8% of units were vacant, while Nevada, the state with the nation’s highest foreclosure rate, had about 14% sitting empty. Arizona had a vacancy rate of about 16%.

In Florida, the worst-hit county is Collier — home of Naples — with a whopping 32% of homes empty. In Sarasota County, 23% of the housing stock sits vacant, while Lee County (Cape Coral) has a 30% vacancy rate. And Miami-Dade County has a vacancy rate of about 12%.

The article goes on to say that the problem of vacancies has grown partly due to a slow-down in population growth in the state in the late 2000s. Additionally, the large number of vacancies has helped lower housing values: “The median price for homes sold in January was just $122,000, according to the Florida Association of Realtors. That was down 7% from 12 months earlier and less than half the price at the peak of the market.”

It would be interesting to see new or recent studies that look at how these vacancies impact community and neighborhood life. Beyond the economic impact, how does having a large percentage of empty houses effect interactions that people have with each other?

Also, how exactly are vacancy and foreclosure statistics related? Nevada has the highest level of foreclosures but a lower rate of vacancies – is this because more people have actually gone through the foreclosure process?

(If you want some insights into how the Census Bureau calculates different vacancy rates, see here. This would have been helpful information for an earlier discussion about seemingly different vacancy statistics.)

The Guardian on careers for sociology majors

I’m not quite sure how this made it into The Guardian but here is an article titled “What to do with a degree in sociology.” Here is a good portion of their description:

One is the UN under-secretary general for humanitarian affairs with responsibility for overseeing emergency relief in disaster-hit areas, the other is a chart-topping singer-songwriter. But what Lady Amos and James Blunt have in common is that both are sociology graduates and have used the knowledge gained in their degrees to forge successful careers…

Sociology is the study of people and how we interact with one another…

Having a good understanding of human relationships can be a bonus in a range of careers, which is probably why sociology graduates can be found across all sectors including the media and arts.

Sociology graduates leave university with a broad range of transferable skills. These include being able to work to deadlines, make reasoned arguments and think creatively.Through doing presentations you will have learned how to present ideas orally and in writing, and developed strong research and IT skills. You will also be able to apply theoretical sociological perspectives to everyday life.

Perhaps not surprisingly, social and welfare professions were the most popular career choices for 2009 sociology graduates – typical jobs include social worker, counsellor and community development officer.

“As a discipline concerned with the study of people and society, it is not surprising that many graduates target people-focused careers such as social work, advice work, counselling, careers advice, youth work, housing and the probation service,” says Margaret Holbrough, a careers adviser at Graduate Prospects.

“Alternative careers can be found in educational, administrative or office-based roles such as teaching and lecturing, social research, human resources management, charity fundraising or within policymaking departments in local or central government.

“Understanding people within society can also be useful in careers such as market research, retail management, the police force and journalism.”

As with all graduates, a high proportion found work in the retail/catering and clerical/secretarial sectors, reflecting the need for many to take stop-gap jobs in the tough economic climate.

Starting with the coolness factor – you too can be a UN or music star! – probably doesn’t hurt. But once you get past the celebrity citations, this lacks excitement. While I would agree that sociology majors have a lot of “transferable skills,” this could also characterize students from a number of other majors. Indeed, a liberal arts college tries to give all of its students these sorts of skills: critical thinking, reasoning, and writing abilities.

Off the top of my head, here are a few things that could be added:

1. Sociology majors are uniquely trained in dealing with and understanding groups and interpersonal settings. While this is applicable to a lot of settings (particularly business), these skills are increasingly necessary in a globalized world where interpersonal interaction still matters and more cultures are interacting. While this major might easily lead into social service jobs, it also is necessary in many other jobs. As a second major, sociology is a great compliment to a lot of other options.

2. Sociology majors are taught to look for broad trends in patterns in society, moving away from anecdotal or individualistic explanations of social phenomena to data-driven descriptions and causal explanations. These data skills, taught in classes like statistics and research methods, should be helpful in a number of settings. Indeed, organizations today have a lot of data and information but often need skilled people to interpret this data. If we want future workers who can help us make sense of the world and not just keep the same old model going, sociology majors could just the people to look to.

3. Some of the comments at the end of this article belie some of the typical stereotypes of sociology majors: they have no “real skills.” Perhaps sociology needs a little imagination as a discipline: our majors could be at the forefront of society, not just working in important occupations that unfortunately are often undervalued as a society. What about using a “sociological imagination” in terms of careers? Could one be a sociological entrepreneur?

Subdividing the McMansion into multiple housing units

With many houses around the country in foreclosure, an idea regarding McMansions has popped up in a few places: why not subdivide these large suburban homes into multiple units? A writer for the Sarasota Herald-Tribune brings up this suggestion when reviewing a book about granny-flats:

The only serious omission is any example that would show how the enormous, 4,000-square-foot, 5- or 6-bedroom McMansions that dot the country could be creatively subdivided into separate living units. This strikes me as an obvious move because it would create affordable housing for renters while it would help financially pressed owners to stay in their houses. And the square footage that would be allocated to a granny flat would not be missed — most owners of these big houses have a lot of space they never use.

Litchfield concurred that such conversions seem obvious, but in most cases, he said, suburban residential zoning codes prohibit it.

Several things are interesting in this short section:

1. The McMansion is roughly 4,000 square feet and larger according to this writer.

2. Subdividing the McMansion would benefit multiple parties: the homeowner who could rent out a few units and people who need affordable housing, a particular need in higher-end suburbs where a lot of the available jobs are service or low-paying jobs but there is little nearby housing for such workers.

3. People have so much space in these 4,000+ square foot homes that they won’t really miss the extra space. I wonder if anyone has ever studied this in large homes: how much of the space is regularly used or even filled with furniture or storage? Is this really unused space or is this just the perception?

4. Zoning codes generally are against this idea as single-family home districts typically restrict the creation of multiple units out of single units. Once renters are in a neighborhood, people often have the impression that the neighborhood has changed: renters don’t care as much about keeping up the property, renters are different types of people than homeowners (sometimes hinting at class or race concerns), etc. But if converting larger homes into multiple units helps stave off foreclosures, should communities allow renting rather than contributing to empty houses in empty neighborhoods (which brings on its own set of issues)?

Looking at how consumers are the major beneficiaries of fixed-rate mortgages

The historical development of the fixed-rate mortgage, usually 30 years in the United States, helped contribute to the post-World War II suburbanization boom in the United States. Several scholars take a look at who exactly benefits from the fixed-rate mortgage (FRM):

The FRM clearly occupies a central role in the U.S. housing finance system. It has been the dominant instrument since the Great Depression and currently accounts for more than 90 percent of mortgage originations. The FRM is regarded as a consumer-friendly instrument, which is one reason why it enjoys enduring popularity. But the instrument can cause problems for both current and prospective borrowers. And part of its popularity is due to government support as well as past regulatory favoritism. The FRM is heavily subsidized through the securitization activities of Fannie Mae and Freddie Mac. These subsidies, which lower the relative cost of the instrument, are an important factor in its popularity. The FRM also imposes costs on the mortgage industry and on investors in mortgage securities—costs that are likely to rise as the economy recovers. Importantly, the FRM is a onesided design. Consumers, particularly those who utilize the prepayment option, benefit while investors and taxpayers bear the cost.

The PDF file linked to from this document has a lot of interesting information. A few thoughts about this:

1. The fixed-rate mortgage came about because of particular historical conditions and interests. Prior to World War II, other kinds of mortgages were sold.

2. The fixed-rate mortgage is not as common in lot of other countries around the world. There are other ways the mortgage market could be set up.

3. The authors suggest that the FRM is the primary mortgage instrument in this country because of governmental approval. Here are the final two sentences in the conclusion of the PDF:

There is nothing so special about housing finance that necessitates the government absorbing the credit risk of the vast majority of the mortgage market or underwriting the interest-rate risk of the that market. Two episodes with massive taxpayer loss should convince us of that fact.

But I think this may be overlooking the cultural and symbolic value Americans place on owning a home. While this scheme may put taxpayers on the hook, Americans also value homeownership, particularly as a lynchpin of the American Dream. Most (if not all) presidents since Calvin Coolidge have pushed policies that would boost the homeownership rate. From FHA and VA loans to Fannie Mae and Freddie Mac, the government has poured billions into homeownership. So while consumers might benefit from this setup, would we be willing as a nation to push for different types of mortgages that might make it more difficult for Americans to purchase a home?

How social class might affect a family’s view of its pet

Some sociologists have examined the relationship between people and their pets. Indeed, there is even an American Sociological Association section titled  “Animals and Society” (read their rationale here).  Here are the thoughts of two sociologists on this dynamic between pets and their owners:

Sociologist Elizabeth Terrien discovered in a study of dog owners that people from rural backgrounds view dogs more as guardians that should be kept outside. More affluent people tend to see their pets more as children and describe them in terms such as “child,” “companion” or “partner in crime.”

Terrien found that those with Latino backgrounds were more likely to use the term “protector” or “toy” to describe their pet’s role.

Carey also refers to sociologist David Blouin’s three main categories of pet owners:

“Dominionists,” who view pets as useful but replaceable helpers. Many of the people in this category in Blouin’s study were immigrants from rural areas.

“Humanists,” who pamper their pet much like a human child, let their pets sleep in their beds or leave money in their will.

“Protectionists,” who have strong opinions about how animals should be treated and decide what they think is “best” for an animal (untying a dog tethered to a tree, for instance, or determining when a dog should be put down).

I wonder if we could map these ideas on top of Annette Lareau’s ideas about class and parenting styles in Unequal Childhoods. Lareau suggests that lower-class parents practice the accomplishment of natural growth, a more independent view of children and not encouraging children to challenge external authorities, where middle- and upper-class parents practice concerted cultivation where children are encouraged to speak up and parents give children the activities and cultural tools to get ahead. These categories seem to line up with the idea of these two sociologists: pets are more replaceable and functional for lower-class people (“dominionists”) while pets take are much closer to family members in more wealthy families (“humanists” and “protectionists”).

I also wonder if there is work comparing the treatment of children in families to treatment of pets. What might the impact of this be on children?

Additionally, it sounds like there could be some value judgment regarding which of the three approaches is most appropriate. How do “humanists” and “protectionists” view “dominionists”?

Wellbeing among American cities

Gallup surveyed 188 metropolitan areas in the United States in 2010 and then ranked the cities according to their Well-Being Index. Here is the top 5:

1. Boulder, Colorado

2. Lincoln, Nebraska

3. Fort Collins-Loveland, Colorado

4. Provo-Orem, Utah

5. Honolulu, Hawaii

Here is some information on how the index was calculated:

The Gallup-Healthways Well-Being Index score is an average of six sub-indexes, which individually examine life evaluation, emotional health, work environment, physical health, healthy behaviors, and access to basic necessities. The overall score and each of the six sub-index scores are calculated on a scale from 0 to 100, where a score of 100 represents the ideal. Gallup and Healthways have been tracking these measures daily since January 2008.

In terms of analysis of these findings, Richard Florida has some thoughts. My guess is that Florida will tie these findings to own ideas about the creative class, a group that tends to live in cities that are college towns, have younger populations, higher level of innovation, and more cultural opportunities.

(A side note: I’m not sure who came up with the headline for Florida’s thoughts but calling these “America’s New Happiest Cities” may not exactly be the same things as measuring “well-being.” The Gallup index goes beyond “life evaluation” and “emotional health” to include other factors like physical health and workplace environment.)

Posting good online pictures of homes for sale

Having moved in the last two years and as someone who studies housing, I have recently seen a lot of online pictures of homes for sale. The pictures should help a potential buyer make a decision about a home: does it have the features one wants? But often, one finds pictures that are completely unhelpful: they are taken at a bad angle, highlight some of the worst things about a home, or really don’t offer much information at all. Here is one example of a picture I found on Redfin.com for a home for sale in Downers Grove, Illinois:

Perhaps the back door couldn’t be opened because the home is a foreclosure. But really, can’t the photographer open the screen door and take a picture of the back yard (which has a nice deck and swimming pool – though it does back right up to a set of townhouses) that actually shows its good features?

This is not just an isolated shot. While there is a picture of the living room, kitchen, one part of the bathroom, and the basement, one of the seven pictures total also features the laundry room:

Of all the shots I could have in order to assess whether I might want to purchase what looks like a nice house, seeing the laundry room doesn’t help much. And it appears the seal of the door into the room is coming off.

I don’t mean to pick on this particular house; this is a problem for many houses listed online. I have heard of realtors using photographers to get the best shots – I bet this makes a difference in the long run. Since much of homebuying seems to be about impressions (at least in the initial whittling-down phase online), these kinds of bad pictures don’t help.

(A side note: I would be interested to hear from realtors on whether these online pictures make their job easier or harder. On one hand, it limits their corner on information – now the average consumer can do some of the searching themselves while the information available to the average homebuyer was more limited before. On the other hand, perhaps this is a more efficient use of realtor’s time as homebuyers already have whittled down their list of options before asking the realtor to show them homes. This could be an interesting research project.)

The dropping of two-story ceilings

One commonly cited architectural feature of McMansions are two story ceilings, often in the entryway to the home or in the family/great room. A new survey suggests that builders are pulling back on these tall ceilings as people alter their priorities:

Now, trends are more down to earth, another sign of the times. Yes, high ceilings open up living spaces. But many homebuyers want to take advantage of the wasted space on the second floor with perhaps another bedroom. Issues concerning energy inefficiency, sound transmission and a lack of coziness also pointed to the desire for lower ceilings.

Builders have gotten the message. A survey of builders across the country revealed that 14 percent of homes this year will be built with two-story foyers and 12 percent with two-story family rooms, a substantial decline from previous years, said Stephen Melman, director of economic services for the National Association of Home Builders…

“Customer feedback describes two-story open spaces as cold and austere,” Parkman said. “That goes against the current trend toward warmer and more functional spaces. Rooms with two-story ceilings actually can be a negative for some buyers.

This change goes along with plans builders have to construct smaller and greener homes.

What will be interesting to watch is to see how the architectural profile of the McMansion changes in the coming years. The two-story foyer is common but so are other features like a multiple-tier roof (many gables), a brick or fake stone facade, and more. If future McMansions lose these features and for good reasons (such as wanting to be a bit smaller or greener), will they no longer be called McMansions? Or will there be other features of such homes, such as their size or neighborhood, that will still invoke the term?