Social and Behavioral Sciences Commons^™

Changing Patterns Xi: Mortgage Lending To Traditionally Underserved Borrowers & Neighborhoods In Greater Boston, 1990-2003, Jim Campen

Gastón Institute Publications

The present study is the latest in a series of annual updates of the original report, Changing Patterns: Mortgage Lending in Boston, 1990-1993. Beginning in 1998, the reports’ geographic scope was expanded t o include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In last year’s report, the geographic coverage was further expanded to include a total of 108 communities.

The text that follows this introduction highlights some of the most significant findings that emerge from the extensive set of tables and charts that constitute the bulk of the report. The …

Changing Patterns Xi: Mortgage Lending To Traditionally Underserved Borrowers And Neighborhoods In Greater Boston, 1990-2003, Jim Campen

Gastón Institute Publications

The present study is the latest in a series of annual updates of the original report, Changing Patterns: Mortgage Lending in Boston, 1990-1993. Beginning in 1998, the reports’ geographic scope was expanded t o include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In last year’s report, the geographic coverage was further expanded to include a total of 108 communities.

The text that follows this introduction highlights some of the most significant findings that emerge from the extensive set of tables and charts that constitute the bulk of the report. The …

Borrowing Trouble? Iv: Subprime Mortgage Refinance Lending In Greater Boston, 2000-2002, Jim Campen

Gastón Institute Publications

The present report is the fourth in the annual series begun by that initial study; it extends the time period covered through 2002, and expands the number of individual cities and towns for which data on subprime refinance lending are provided to 108.

Although motivated by a concern with predatory lending, this study and its predecessors – like all of the other quantitative studies of which I am aware – analyzes and reports on lending by subprime lenders. It is therefore important to emphasize that although all predatory loans are subprime, only a fraction of subprime loans are predatory. While …

Changing Patterns X: Mortgage Lending To Traditionally Underserved Borrowers And Neighborhoods In Greater Boston, 1990-2002, Jim Campen

Gastón Institute Publications

The present study is the latest in a series of annual updates of the original report, Changing Patterns: Mortgage Lending in Boston, 1990-1993. Beginning in 1998, the reports’ geographic scope was expanded to include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In this year’s report, the geographic coverage has been further expanded t o include a total of 108 communities.

This introduction is followed by ten pages of text that identify some of the most significant findings that emerge from the extensive set of tables and charts that constitute the …

The Tourist Experience In Boston, 1848-1910: American History, Middle-Class Leisure And The Development Of Urban Tourism, Hillary Corbett

American Studies Graduate Final Projects

This project analyzes a selection of representative guidebooks produced between 1848 and 1910, to illustrate the development of a tourist industry in Boston and to indicate how the changing nature of the city influenced a similar change in the tourist experience. It also provides the necessary context in which to place this narrative. Part I introduces two key elements essential to understanding the relevance of urban tourism in Boston: the city’s experiences with the national phenomena of electrification and urban planning in the mid- to late-nineteenth century, and Boston’s distinctive role in nineteenth-century America’s developing national identity and history. In …

Characteristics Of Homeless Individuals Accessing Massachusetts Emergency Shelters, 1999-2001, Tatjana Meschede, Michelle Kahan, Michelle Hayes, Donna Friedman

Center for Social Policy Publications

The Center for Social Policy (CSP) at the McCormack Institute, University of Massachusetts Boston oversees the Connection, Service, and Partnership through Technology (CSPTech) project. CSPTech operates a homeless management information system being implemented throughout the Commonwealth. Founded in 1995, this project is a networked computerized record-keeping system that allows homeless service providers across Massachusetts to collect uniform client information over time. This information is aggregated in a database used by service providers, advocates, government officials, researchers, and people experiencing homelessness. Analysis of this information is critical to efforts to understand the extent of this problem in Massachusetts in an attempt …

The Tide Is High For The Boston Beaches, Marissa Glowac

New England Journal of Public Policy

In 1993, Massachusetts Governor William Weld and Boston Mayor Thomas Menino approved the “Back to the Beaches” project, a seven-year, $30.5 million public project to restore nineteen Boston Harbor beaches. Today, these sites have new, cleaner sand, improved access, and new amenities and facilities now ready to offer additional opportunities for recreation. People are coming back to the Boston Harbor beaches in numbers significantly higher than a decade ago. This study concludes that the implementation and success of the “Back to the Beaches” project can be attributed to several factors — an increased public awareness of the value of open …

A Snapshot Of Individuals And Families Accessing Boston's Emergency Homeless Shelters, 1997, Donna Friedman, Michelle Hayes, John Mcgah, Anthony Roman

Center for Social Policy Publications

This document summarizes key findings from a survey conducted on March 19, 1997 with 338 homeless individuals and 94 families sheltered or served by 33 of 40 shelter programs in the City of Boston. The data presented in this report were collected at one point in time. Point in time data results in an overrepresentation of the "longer term" homeless, and offers limited insight regarding the structural dynamics underlying movement from homelessness to residential stability (Culhane, Lee, Wachter, 1996; White, 1996). However, it does provide a snapshot of the men, women, and children who were spending the night in a …

Shelter Poverty: Housing Affordability Among Asian Americans, Michael E. Stone

Institute for Asian American Studies Publications

Relatively little research has been conducted that focuses on the housing situation of Asian and Pacific Islander Americans (hereafter generally referred to as Asian Americans), especially on the national level. From a review of about 30 articles and reports over the past decade that examine racial/ethnic housing situations nationally, only one specifically addressed housing problems of Asian Americans (Hansen, 1986) while two others included Asian Americans along with other populations of color. Of the remaining articles, most used the terms race, racial discrimination, or segregation in their titles, yet did not include Asian Americans in the studies. Of particular note, …

Social Networks And Employment For Latinos, Blacks, And Whites, Luis M. Falcón

New England Journal of Public Policy

Despite the immigrant character of Latino groups in the United States, little attention has been given to the role of social networks in the job-search process and in labor market outcomes for Latinos. The literature on social networks describes their use as important in providing access to jobs but neutral as to affecting earnings or attainment of prestige. This study uses data from a 1988-1989 Boston survey to examine the effect of finding employment through social networks on the income attainment of white, black, and Latino workers. Job seekers in all groups rely on such networks, but Latinos exhibit the …

Providing Quality Leadership In Roxbury: A Profile Of Leon T. Nelson, Harold Horton

Trotter Review

Poor leadership is often the cause for the inept functioning and eventual collapse of an organization or agency. This is because the leader sets the tone and to a great extent determines whether or not an organization will be viable. Leon T. Nelson, president of the Greater Roxbury Chamber of Commerce, has done his utmost to live up to the organization's motto, "Quod facis bene fac," which means doing whatever you do as well as you possibly can.

In a community that underwent drastic demographic changes during the 1970s and 1980s, when numerous businesses led the "white flight" to suburbia, …

The African-American Business Tradition In Boston, Robert C. Hayden

Trotter Review

African Americans in Boston have been exhibiting their interest and talents in business for a long time. Those in business today are continuing a tradition that goes back to the African culture of preslavery days. Enslaved Africans who were brought to America came from a business tradition, from a culture of great traders, merchants, and craftsmen. Many enslaved blacks, in fact, purchased their freedom by marketing their skilled services and handmade products.

Women Of Color Reclaiming Power, Cheng Imm Tan

Trotter Review

The following is the address that was given at the Sixth Annual Women of Color Day Celebration at the University of Massachusetts at Boston on March 5, 1993.

In a racist and sexist world, our realities are hardly ever alluded to, let alone affirmed; the way we see ourselves and the way we experience the world is hardly ever reflected in the images we see around us or in the stories we read. We constantly have to translate information in order to make it relevant and applicable to our lives. Our realities, experiences are often discounted, overlooked and ignored. Both …

Commonwealth's Choice: Results From The Massachusetts Public Opinion Survey, Barry Bluestone, Mary Ellen Colten, Thomas Ferguson

John M. McCormack Graduate School of Policy and Global Studies Publications

From November 11 through December 4, 1989, the Center for Survey Research of the University of Massachusetts at Boston conducted a random digit dial survey of adults aged 18 and over in Massachusetts. A total of 423 individuals were interviewed in a sampling procedure that yielded a 63 percent response rate. In contrast to most media polls, this survey was carried out over a period of four weeks permitting extensive efforts at locating and interviewing difficult-to-reach, reluctant, or less interested respondents. This survey is likely to be more representative of the true population of Massachusetts than most state polls.

Roxbury, Boston, And The Boston Smsa: Socioeconomic Trends 1960-1985, Sally Brewster Moulton

New England Journal of Public Policy

Socioeconomic trends for a primarily black and poor urban area, Roxbury, Massachusetts, are compared to those of the surrounding city of Boston and the Boston Standard Metropolitan Statistical Area (SMSA) for the period 1960 to 1985. Patterns in income, poverty, labor force participation, educational attainment, and racial composition are examined for each of the three areas. The chief purpose of the analysis is to determine the nature of gaps between Roxbury residents and the rest of the metropolitan area as well as the ways in which such gaps have changed over time.

The findings indicate that, despite growth in income, …

Recent Trends In The Economic Status Of Boston's Aged: Determinants And Policy Implications, William H. Crown

New England Journal of Public Policy

The economic status of the older population has improved significantly since the early 1970s. Yet poverty rates among certain groups of elderly, especially older minorities, have declined very little. To understand the reasons for these seemingly contradictory trends, changes in the income composition of the elderly in Boston are compared to changes in income for the elderly in the United States. This analysis suggests that low-income older persons were largely bypassed by one of the major factors in income growth among the older population — growth in pension income.

Despite the persistence of poverty among significant segments of the older …

The Economic Status Of Blacks In Boston, James E. Blackwell

Trotter Review

In recent years, special attention has been given to problems of racism in Boston. Without question, highly publicized steps have been taken by civic, business, religious, and neighborhood groups to combat racism, bigotry and discrimination. Frequently, these initiatives have also been supported by municipal and state governments or administrations. Strategies for improving the racial climate in Boston, initiated by the Covenant for Racial Justice, the Boston Committee, the Coalition for a Better Boston, and now, the newly created PARTNERSHIP, as well as some pronouncements of Mayor Flynn and Governor Dukakis administrations must be applauded. However, despite such courses of actions, …

Demographic Trends In Boston: Some Implications For Municipal Services, Margaret O'Brien

New England Journal of Public Policy

The City of Boston is gaining in population during the 1980s, after several decades of loss. During the current decade and beyond, population trends will bring increases in the number of children, adults between the ages of twenty-five and forty-four, and those aged seventy-five and over, along with declines among the older teenagers and college-age population, the more mature adults, and the younger elderly. A recent analysis of the income distribution indicates that while there were more well-to-do residents in Boston in 1985 than there were in 1980, there were also more poor and near poor. Average family income has …

Getting Power Back: Court Restoration Of Executive Authority In Boston City Government, Marcy M. Murninghan

New England Journal of Public Policy

This article chronicles some of the events that occurred when a state and a federal court attempted to disengage from active jurisdiction over two Boston public systems: the public schools and the Boston Housing Authority (BHA). It makes three proposals which, if enacted, would help to keep the courts out of day-to-day management of municipal operations. It also makes some generalizations about the court-agency interplay which are relevant to the postremedial phase of institutional reform litigation. The author uses the term restorative law to describe this court-controlled process of returning power to the executive branch.

Black And White Perceptions Of Quality Of Life In Boston, Floyd J. Fowler Jr.

Center for Survey Research Publications

It is difficult, probably impossible, to compare objectively the seriousness of racial problems and tensions in Boston with those in other cities. However, there can be little doubt that there is a widespread perception that relationships between blacks and whites in Boston constitute a serious problem. Specifically, one image is that Boston is a community in which blacks are not welcome and in which they are treated with unusual hostility and abuse. Another image is that whites in Boston are unfairly maligned as racists and bigots.

In 1980, following several race-related incidents, The Boston Committee was formed. The purpose of …

Job Satisfaction Of Home Care Case Managers: An Evaluative Look At One Home Care Corporation, Scott A. Bass, Richard Rowland

Gerontology Faculty Publication Series

Senior Home Care Services — Boston III, Inc. is a six year old private non-profit corporation with an annual budget of nearly $5 million. The agency currently delivers services to approximately 2,500 functionally impaired senior citizens per month in the Boston neighborhoods of South Boston, East Dorchester/Mattapan, East Boston, Beacon Hill, West End, North End, Charlestown, and South Cove. Over 5 7% of the case management staff has worked at the agency less than one year and 92.9% of the case management staff has worked at SHC for less than two years. The high turnover rate is well known to …