House Styles in America


Book Description

This beautifully illustrated tour of America's houses begins in 1640 with the early roots of American style -- a combination of European skill and attitude combined with American know-how. This architectural journey continues on through the 18th and 19th centuries, through the Greek Revival, the Americanization of the Gothic Revival, and the early Colonial Revival. The houses of the 20th century are the main attraction as House Styles in America delves into the major movements in the Romantic Revivals of the 1920s and 1930s: English, French, and Spanish. Replete with 200 color photographs, this architectural journey is an essential and beautiful guide for realtors, tourists, and students of architecture.







Fanny Kemble's Journal


Book Description

A personal indictment of the institute of slavery in the Southern United States, as witnessed directly by Fanny Kemble, a British actress in 1838 and 1839. Her husband, the heir to the plantations in Georgia, however, forebade her to publish this material on pain of never seeing her daughters again. She complied, until the two daughters had reached the age of 21, and then allowed the journal to be published in 1863, when the Northern troops were already present along the coast near the Altamaha River, where the plantations were located. In a very personal way, she relates her many varied experiences, efforts to make life easier for the slaves despite her husband's stubborn resistance. As an English citizen, she had seen the total end of slavery throughout the British Empire in 1833, just a few years before her journey to Georgia. She ends her account with a stirring defense of Harriet Beecher Stowe's novel, Uncle Tom's Cabin, which had raised such a storm of controversy in the United States. Like Stowe, Kemble sees all sides of the situation, with her eyes and with her heart.




The Great American Housing Bubble


Book Description

The definitive account of the housing bubble that caused the Great Recession—and earned Wall Street fantastic profits. The American housing bubble of the 2000s caused the worst global financial crisis since the Great Depression. In this definitive account, Adam Levitin and Susan Wachter pinpoint its source: the shift in mortgage financing from securitization by Fannie Mae and Freddie Mac to “private-label securitization” by Wall Street banks. This change set off a race to the bottom in mortgage underwriting standards, as banks competed in laxity to gain market share. The Great American Housing Bubble tells the story of the transformation of mortgage lending from a dysfunctional, local affair, featuring short-term, interest-only “bullet” loans, to a robust, national market based around the thirty-year fixed-rate mortgage, a uniquely American innovation that served as the foundation for the middle class. Levitin and Wachter show how Fannie and Freddie’s market power kept risk in check until 2003, when mortgage financing shifted sharply to private-label securitization, as lenders looked for a way to sustain lending volume following an unprecedented refinancing wave. Private-label securitization brought a return of bullet loans, which had lower initial payments—enabling borrowers to borrow more—but much greater back-loaded risks. These loans produced a vast oversupply of underpriced mortgage finance that drove up home prices unsustainably. When the bubble burst, it set off a destructive downward spiral of home prices and foreclosures. Levitin and Wachter propose a rebuild of the housing finance system that ensures the widespread availability of the thirty-year fixed-rate mortgage, while preventing underwriting competition and shifting risk away from the public to private investors.




Fixer-Upper


Book Description

Practical ideas to provide affordable housing to more Americans Much ink has been spilled in recent years talking about political divides and inequality in the United States. But these discussions too often miss one of the most important factors in the divisions among Americans: the fundamentally unequal nature of the nation’s housing systems. Financially well-off Americans can afford comfortable, stable homes in desirable communities. Millions of other Americans cannot. And this divide deepens other inequalities. Increasingly, important life outcomes—performance in school, employment, even life expectancy—are determined by where people live and the quality of homes they live in. Unequal housing systems didn’t just emerge from natural economic and social forces. Public policies enacted by federal, state, and local governments helped create and reinforce the bad housing outcomes endured by too many people. Taxes, zoning, institutional discrimination, and the location and quality of schools, roads, public transit, and other public services are among the policies that created inequalities in the nation’s housing patterns. Fixer-Upper is the first book assessing how the broad set of local, state, and national housing policies affect people and communities. It does more than describe how yesterday’s policies led to today’s problems. It proposes practical policy changes than can make stable, decent-quality housing more available and affordable for all Americans in all communities. Fixing systemic problems that arose over decades won’t be easy, in large part because millions of middle-class Americans benefit from the current system and feel threatened by potential changes. But Fixer-Upper suggests ideas for building political coalitions among diverse groups that share common interests in putting better housing within reach for more Americans, building a more equitable and healthy country.







The Old-House Journal Compendium


Book Description

Offers advice on identifying, evaluating, and restoring an old house, and describes how to repair different parts of a house, including roofs, windows, floors, staircases, and fireplaces.




The Housing and Economic Experiences of Immigrants in U.S. and Canadian Cities


Book Description

Since the 1960s, new and more diverse waves of immigrants have changed the demographic composition and the landscapes of North American cities and their suburbs. The Housing and Economic Experiences of Immigrants in U.S. and Canadian Cities is a collection of essays examining how recent immigrants have fared in getting access to jobs and housing in urban centres across the continent. Using a variety of methodologies, contributors from both countries present original research on a range of issues connected to housing and economic experiences. They offer both a broad overview and a series of detailed case studies that highlight the experiences of particular communities. This volume demonstrates that, while the United States and Canada have much in common when it comes to urban development, there are important structural and historical differences between the immigrant experiences in these two countries.




Journal of the House of Representatives of the United States


Book Description

Some vols. include supplemental journals of "such proceedings of the sessions, as, during the time they were depending, were ordered to be kept secret, and respecting which the injunction of secrecy was afterwards taken off by the order of the House".