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Writers Articles And Opinions |
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25 May 2010
By Stephen
Lendman
In the world's
richest country, the trend is shocking, disturbing and
appalling. In its 2009 report on "Hunger and
Homelessness in US Cities," the US Conference of
Mayors stated:
"Hunger and
homelessness (are) at record levels in US cities,"
citing an overall 26% demand increase over the past
year and 19% more homelessness. Yet worsening
conditions leave millions on their own and out of luck
because Washington has other priorities excluding
them.
"At a time of
historic economic crisis, the issues of hunger and
homelessness in America are more prevalent than ever."
Cities are hard-pressed to handle them, and planned
budget cuts and revenue shortfalls will strap them
well into the future.
Definitions
According to the
Department of Housing and Urban Development, a
homeless person:
-- "lacks a
fixed, regular, and adequate nighttime residence."
Others having
them are in:
-- "a supervised
publicly or privately operated shelter designed to
provide temporary living accommodations (including
welfare hotels, congregate shelters, and transitional
housing for the mentally ill);
-- an
institution that provides a temporary residence for
individuals intended to be institutionalized; or
-- a public or
private place not designed for, or ordinarily used as,
a regular sleeping accommodation for human beings."
The last
category includes people sleeping in vehicles,
garages, bus stations, store fronts, campgrounds, on
streets, or other suboptimal places not fit for human
habitation.
The National
Alliance to End Homelessness (NAEH)
NAEH "works
collaboratively with public, private, and nonprofit
partners to develop, analyze, and advocate for policy
solutions" for a growing national problem, poorly
addressed, and rarely, if ever, mentioned by the
dominant media.
Besides the
chronically homeless, comprising about 18% of the
total, homelessness results from factors including
poverty, job loss, home foreclosure, loss of public
assistance, divorce, domestic violence, drug or
alcohol abuse, serious illness, mental illness,
unaffordable housing, the lack of emergency help, and
a federal government that doesn't give a damn.
Youth
homelessness is another major issue, the Substance
Abuse and Mental Health Services Administration (SAMHSA),
Office of Applied Studies (OAS) estimating in 2004
that about 1.6 million youths ran away from home and
slept on the street in the past 12 months. Other
estimates range up to 2.8 million annually, many on
streets or in places unfit for human habitation.
About two-thirds
were older teens from 15 - 17, key causal factors
being domestic physical or sexual abuse or substance
dependency. Many were thrown out by their parents.
According to YouthCare studies, 33% were in foster
care, 51% had been physically abused, and 60% of girls
and 23% of boys had been sexually violated. Another
YouthCare study cited two-thirds of youths with
diagnosable mental illness, including disruptive
behavior disorder, attention deficit disorder,
depression, or post traumatic stress disorder (PTSD).
In 2000, the
National Health Care for the Homeless Council reported
that youths on their own are at higher risk for
anxiety, suicide attempts, and multiple disorders,
including depression, PTSD, and numerous other
physical and emotional problems.
While mainly an
urban problem, homelessness is about 9% rural for the
above cited reasons compounded by fewer public
services and a lack of public transportation.
Veterans
comprise one-fourth of the homeless, the result of
readjusting challenges, few job skills, lack of
available jobs, little government help once
discharged, and for growing numbers, disabling
injuries and PTSD.
In February
2009, NAEH's president, Nan Roman, projected "an
additional 1.5 million people will experience
homelessness over the next two years if we don't do
anything." Others agree, foreseeing continued large
increases as economic conditions deteriorate with
little help for the poor, disadvantaged, and growing
numbers losing their jobs, homes and savings.
In its four-part
"Geography of Homeless" series, NAEH defined the
problem, its prevalence, sub-populations affected, and
urban homelessness. It can affect anyone, anytime, and
be unexpected, the result of millions one paycheck
away from vulnerability, and many others from a
life-changing event.
Precise numbers
are hard to assess, the best estimates ranging from:
-- HUD's
lowballing in its latest July 2009 "2008 Annual
Homeless Report to Congress" that "On a single night
in January 2008 (before the worst of the current
crisis), there were 664,414 sheltered and unsheltered
homeless persons nationwide," 42% of them "on the
street or in other places not meant for human
habitation;"
-- the National
Law Center on Homeless and Poverty (NLCHP) and Urban
Institute estimated (in 2007) 3.5 million people
experience homelessness in a given year (at least 4.5
million if those finding temporary shelter with family
or friends are included), based on an earlier National
Survey of Homeless Assistance Providers study stating
on a given night in February, 842,000 are homeless;
the total numbers are much higher as only sheltered
people were included; many others on streets are
uncounted, and the calculations were made before the
current economic crisis; and
-- NLCHP used
other measures as well, including a 1991 study showing
homeless rates tripled from 1981 - 1989, and a 1997
research review from 1987 - 1997 in 11 communities and
four states, finding shelter capacity more than
doubled in nine communities in three states, and more
than tripled in two communities and two states - at a
time of strong economic growth.
While precise
estimates are inexact, available data suggest a much
higher homelessness rate than earlier believed, a
growing national problem, and one greatly exacerbated
by the current economic crisis. Yet it's unaddressed
nationally, leaving hard-pressed states and local
communities on their own when they're least able to
handle it - never mind growing numbers of affected
people discarded like garbage.
The National
Center on Family Homelessness (NCFH) says:
"Families (and
individuals) experiencing homelessness are under
considerable stress," moving frequently, forced to get
aid if available or sleep in cars, campgrounds or
wherever they can under "difficult, uncomfortable
circumstances....Homelessness increases the likelihood
of family separations or breakups," adds to their
intolerable circumstances, and creates a barrier to
family reunifications.
A typical family
is "comprised of a mother in her late twenties with
two children:
-- 84% of
families experiencing homelessness are female-headed;
-- 42% of
children in homeless families are under age six;
-- more than
half of all homeless mothers do not have a high school
diploma;
-- 29% of adults
in homeless families are working; (and the homeless)
-- have much
higher rates of family separation than other
low-income families."
Mothers are
especially vulnerable, many the victims of domestic
violence compounded by homelessness on their own. Over
92% experienced "severe physical and/or sexual abuse
during their lifetime," two-thirds of the time by "an
intimate partner." They also struggle with mental
health issues, half having experienced depression
while homeless. They have three time the PTSD rate and
double the drug and alcohol abuse incidence. They're
often in poor health, have four times the rate of
ulcers as other women, and among industrialized
nations, America has the largest women and children
homeless population.
Background on
Federal Housing Policy
During the Great
Depression, it began with the 1934 National Housing
Act, creating the Federal Housing Administration (FHA)
to underwrite and insure mortgages and provide
security to lenders in case of default. It also
established the Federal Savings and Loan Insurance
Corporation, abolished because of insolvency in 1989
by the Financial Institutions Reform, Recovery and
Enforcement Act, returning deposit insurance
responsibility to the FDIC, now itself approaching
bankruptcy.
The 1937 Wagner-Steagall
Housing Act provided subsidies to local agencies (LHAs)
to construct low-cost housing for poor families.
The 1934 and
1937 acts began a dual federal housing policy - public
rental housing and subsidies for the poor (mostly
inner city) and subsidized credit for middle-income
family homeownership (much of it suburban).
Public housing
was established to provide acceptable, low-cost, safe
rental housing for low-income families, older persons,
and the disabled. Later they were stigmatized by
crime, drugs, extreme poverty, violence, segregation,
and government neglect.
Initially,
minorities comprised about one-fourth to over
one-third of public housing residents, rising to a
level of over 60% by 1978. From 1950 - 1980,
high-density public housing units were built, mainly
for African-Americans. At the same time, middle income
home ownership rose, facilitated by federal financing.
It increased the rate from 30% in 1930 to over double
that in 1960.
From 1934 -
1968, 98% of federal loans went to whites, the result
of segregation, discriminatory laws and practices in
both northern and southern states.
In 1974, the
Housing and Community Development Act effectively
ended public housing construction and began the
Housing Choice Voucher Program (called Section 8) for
project and tenant-based rental subsidies, the former
for specific housing developments, the latter for
individuals to choose private housing from landlords
willing to accept vouchers.
Section 8
shifted funding from public to private hands. In 1986,
the Tax Reform Act established the low-income housing
tax credit (LIHTC), provided to developers to build
affordable housing.
In 1989,
Congress appointed a National Commission on Severely
Distressed Public Housing to evaluate its condition
nationally. It found most units well maintained and
managed but a growing number in "the most distressed
and notorious urban developments in the nation, where
crime, poverty, unemployment, and dependency were
solidly entrenched."
Based on the
Committee's recommendations, HOPE VI (Housing
Opportunities for People Everywhere) was established
in 1992 to revitalize public housing, end low-income
family concentrations, and create sustainable
communities by replacing large numbers of public
housing units. As a result, lower density,
mixed-income developments were built, including public
and private units, and responsibility shifted from
Washington to communities and the private sector.
Federal housing
policy achieved a high home ownership rate but also
decreased the public housing supply, now at 1.2
million units, far below needed amounts, to promote
private ownership at the expense of the nation's poor
who could only afford fraudulent subprime mortgages
causing many to default and be foreclosed since late
2007.
Earlier in 1977,
the Community Reinvestment Act passed to reduce
discriminatory credit practices, called redlining, by
requiring banks to sell mortgages where they operated.
As a result, low-income families got them while home
values rose, mostly with low or nothing down. That
ended, however, when the housing crisis began along
with the home ownership dream for millions.
Today,
government help for affordable housing is needed more
than any time since the 1930s. Then it was
forthcoming. Now it isn't or not enough to matter for
millions losing their homes, victims of predatory
lenders and Wall Street bandits creating a crisis that
persists and worsens at a time nearly two-thirds of
low-income households face severe housing cost
burdens, and about 12.7 million children (over one in
six) live in households spending more than half their
income on housing, leaving little for other
essentials.
In addition,
since the 1980s, low-income housing assistance was
significantly cut, and by the 1990s, hundreds of
thousands of public housing units were dilapidated,
resulting in 170,000 abandoned. Yet from 1999 - 2006,
federal public housing funding dropped 25% while,
according to the Center on Budget and Policy
Priorities:
"Each year, the
federal government spends more than three times as
much on tax breaks for homeowners - with a large
share....going to upper-income households - as it
spends on low-income housing assistance."
In other words,
wealth is being redistributed up the food chain to
those least needing it, leaving others on their own
and out of luck because federal low-income funding
cuts led to a decrease in quality subsidized housing
when it's most needed.
Chicago's
Cabrini Green is instructive, about a mile from this
writer's residence. When completed in 1962, it had
3,114 units for 15,000 people. Now it's mostly
demolished. What remains will be gone before yearend
2010. Other projects are also disappearing, and only
305 new units have been built in mixed-income
developments, leaving many of Chicago's poor on their
own with no aid forthcoming.
The 2009 Making
Home Affordable program has been largely ineffective
for lack of teeth, so banks do as they wish because
provisions are voluntary. In addition, few modified
loans are permanent, most ending after five months so
foreclosures remain high, homelessness increases, and
two other federal programs are doing little - the
Emergency Food and Shelter program (EFSP) and
Emergency Shelter Grant.
The Bush and
Obama administrations' one-sided priorities (for Wall
Street and imperial wars) leave little for America's
poor and disadvantaged when they're most in need,
including the growing hungry and homeless populations,
largely invisible because little about them is
reported and nothing on television where it counts
most.
Short of
recognizing the problem, pushing back for real change,
knowing government is the enemy not an ally, realizing
reforms always come from the bottom up, never the top
down, and it's up to ordinary people to create them,
social justice won't happen, including ending hunger,
relieving poverty, and helping the homeless, making
America work for the many, not the privileged few
alone like today under governments that don't care.
A follow-up
article will address the problem of homeless children
- over 1.5 million each year without safety, privacy,
adequate health care, decent education, sustaining
relationships, a sense of community, and hope for a
better future.
Stephen
Lendman lives in Chicago and can be reached at
lendmanstephen@sbcglobal.net. Also visit his blog site
at sjlendman.blogspot.com and listen to cutting-edge
discussions with distinguished guests on the
Progressive Radio News Hour on the Progressive Radio
Network Thursdays at 10AM US Central time and
Saturdays and Sundays at noon. All programs are
archived for easy listening.
http://www.progressiveradionetwork.com/the-progressive-news-hour/
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