Religious Freedom > Gay Marriage?

In the words of Manhattan Mini Storage: “If you don’t like gay marriage, don’t get gay married.”

The Civil Rights Act was passed under the interstate commerce clause of the US Constitution. The interstate commerce clause was a federal mandate to ensure that nothing affects free trade. When I think about the Religious Freedom bill I wonder how it is passed? It is clearly designed to allow trade to be restricted like it was back before the 1960s. Except in this case, it is against the LGBT group instead of minorities.

Do we need religious freedom laws? The classic example that we often hear is about the bakery that does not want to make a cake for a gay wedding. Unless the couple asks the baker to make something obscene what really is the problem here? It is perfectly acceptable for a store owner to have policies in place regarding what they will and will not do. For example Walmart has rules in place for what they will put on cakes – they do not allow obscene pics or language.

This law in essence appears to be an unwillingness to “play nicely with others”. And isn’t that against the “christian way”? We don’t all have to see eye to eye but we do have to treat each other with respect and dignity. Not like school yard bullies who turn people away because they don’t fit the group mold. What happened to the Golden Rule??

There are a few stores around town that I will not frequent because of all their christian symbols such as giant crosses outside in the parking lots. It is not because I am anti-christian, but more that I feel that they are anti-other faiths.  As a person of another faith, a giant cross in the parking lot does not exactly make me feel welcome. But thanks to the free market I am welcome to take my business elsewhere where I may feel more welcome. That is an exercise of religious freedom in and of itself don’t you think?

Post update 10/13/2016 Here is a link to a recent survey on the issue by the PEW Research Center:

2. Americans divided over whether wedding-related businesses should be required to serve same-sex couples


Let me know your thoughts!


Stripped Down Make-up and Full Cover Suits.

Between the ban on burkinis and the backlash Alicia Keys received over going make-upless I find myself feeling overwhelmingly confused.  Think about this… people are having heated debates about women who refuse to uncover their bodies and women who refuse to slather make-up masks on their faces.

It’s the 21 century people – why must women who do not conform to the Barbie prototype be offered up for a witch burning? This is especially scary in the context of what is going on around the world with mass shootings, hate crimes, disasters, and our current presidential election (if you can call this election presidential).

No one seems to care what men look like or wear.  The fact that a woman is scrutinized under a lens of fashion speaks to our long standing paternalistic society.  It is truly ridiculous.

Miss B

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a rant about credit reports

A few months ago I tried to pull my annual free credit report.  They were unable to verify my identity online based on some questions I answered.  In order to move forward I had to mail sensitive information to the credit bureau to verify my info.  After not hearing anything back from them for six weeks I gave them a call.  I was informed that they did not have the documents I sent in! They asked me to verify my identity by answering questions about my past creditors and told me that because I could not remember my info I would have to mail my documents AGAIN.

I understand the idea behind the process and why they ask all the security questions. But for the average person, remembering details about their credit history and addresses can be difficult. Especially if you’ve moved frequently or traveled for work. I also think that corporate America is to blame. No I don’t remember the original name of the mortgage company that I had in 2007, that changed names or providers three times. The credit card I had? Well it started as company x but then became company Y. Student loan.. same thing.  Corporations outsource “customer service” and sell off debt in a way that makes it infuriating.  There has got to be a better way!


“Change your apartment, change the world”, Not. So. Much.

I’m sure by now most of you have seen the commercial that did with Jeff Goldblum around the time of the superbowl.  (in case you missed it) The commercial features a cheeky reference to the sitcom, The Jeffersons with the theme song about their move from a working class neighborhood to an affluent neighborhood.

For those that do not know The Jeffersons, the show was about a working class minority couple that accumulated wealth and moved to the upper east side of Manhattan.  The show was a spinoff of All in the Family, about a white working class patriarch and his family.  The show tackled controversial issues with what John Roleke (2014) refers to as undercurrents of racism that prompted “white flight”  in predominantly white working-class neighborhoods like that of All in the Family.

This is an interesting frame for to debut their new apartment selection tools.  The new tool allows renters to go beyond identifying the neighborhood they want to live in.  It allows them to exclude areas right down to the street, or section of a neighborhood.

The commercial has already caught some heat for endorsing subtle racism, (take a look at this post by Moira Keihm) but I’m going to suggest that it goes much deeper than that.

Lets discuss the new apartment selection tool debuted in the commercial in the frame of disparate impact.  According to the National Fair Housing Alliance disparate impact refers to a practice that could be considered discriminatory if it has a disproportionate “adverse impact” against a protected class.  This means that whether intentional or not, if the housing industry negatively impacts an area by allowing discrimination on the basis of race, color, national origin, religion, sex, disability, and/or familial status, they have broken the law.

So what does all this have to do with  It is widely known that planning and zoning practices have built in discriminatory biases.  These are things like where to sit low income housing, reduced access to community assets such as quality schools and grocery stores, and transportation systems that cut off areas perceived as low in  value.  You can read my research paper here.

Because the new selection tools allow you to define your search on more than just zip code or neighborhood, it allows for cutting out areas that may be characterized as “bad parts of town”.  The tool allows people a seemingly innocuous way to narrow down their apartment search.

On its face the tool looks like just another apartment selection tool.  However, given the ability to cut out areas perceived as bad parts of a neighborhood, it becomes a quintessential example of disparate impact.  It can also be compared to subtle steering practices that landlords have used to “guide” people into housing options “appropriate” for their race, gender, handicap,familial status, etc.

This is not about the end user.  Should you want to be discriminatory in your choice of housing that is your right.  This is about, an industry endorsed site, that is required to uphold the Fair Housing laws.  They should not facilitate discrimination in any form and allow the continued impact to be felt in depressed neighborhoods.

“Change your apartment, change the world” – I think not.

-Miss B


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Grandma Can’t Remember, Now What?

Are you charged with the burden of care for a family member? It can be an overwhelming task that can take an emotional toll on all those involved. It is important to set up a strategic plan for you, your loved one, and any other family members or friends that are involved.

Often the elderly person will feel a sense of a loss of control as their health and memory declines. They may need more help and are too proud to ask – or feel that they are burdensome to the family. Sometimes these changes can go unnoticed for months. This happens easily as the person may stumble on memory and the family or friends will finish sentences and anticipate needs. Though this may seem helpful to the elderly person it can make it easy for them to cover up how bad they are doing. Give them a moment to try and remember what they wanted to say to see if they recall it. Make notes of how often this happens if you are concerned.

My great grandmother covered her memory loss so well that by the time we had a part-time aid she was actually beyond the scope of part-time and needed around the clock care. This was during a time that family members and friends saw her almost every day!! They knew that she was declining but did not know what to look for and unintentionally helped her hide her symptoms by trying to be helpful.

It’s a good idea to start the conversation of bringing in care takers if your family can afford to do so. There are many area agencies that provide reduced cost services for low income seniors, veterans, or surviving spouses of veterans. Your local senior center, non profit agencies, and county offices such as Extension offices, can usually direct you to more information for obtaining low cost providers. There are also usually a plethora of private pay aides that can provide companion care, errands, and light housekeeping to your loved one.

Having an early conversation about care prevents some of the anger that can occur after their memory has faded significantly. Memory loss can be very frustrating. If you spring a care taker on your loved one after significant memory loss they are likely to be angry and quarrelsome with the stranger. Having the conversation in advance may still result in some anger or resentment, but it far more likely to form a memory in advance that will help reduce confusion.

There are also several ways to introduce companion care in advance of more in depth assistance. The companion can be introduced as a helper for things like trying to figure out the remote, or grocery shopping. They can also help with hobbies such as baking, quilting, reading and trips to the senior center. Companion care agencies are great resources for a strategic plan of care for your loved one. They meet with them at their home to asses needs. They also have an unbiased view of how memory loss or other ailments are progressing in your loved one.
Do you have any other tips or strategies for managing care for your elderly loved one?

Read the Fine Print!

Did you know that many lease agreements come with stiff penalties for breaking them? Did you know you can be charged for liquidated damages even if you never occupy the premises (aka two month’s rent plus a lost deposit)?

Did you agree to an increase in sub-metered utility payments payable to your landlord at anytime during your contract?

Did you sign away your right to sue, even if the property owners negligence causes you harm? Some leases also contain language forcing you to sign away your right to jury trial. (Which is an illegal practice I believe).

Parents, and other co-signers – check out your responsibility before you sign the lease!

Lets talk about a couple of scenarios:
You pre-lease an apartment and 6 months before you move-in a change in circumstances requires you to move somewhere else. If you signed the lease and plunked down the security deposit, you have lost the deposit.  Some landlords go as far as charging the lease termination fees as well.

Does your lease contains the following language? “Landlord may modify the method by which utilities are furnished to the premises and/or billed to Resident during the term of this Lease Agreement, including, but not limited to sub- metering of the premises for certain utility services or billing Resident for utilities previously included within the rent”.  This means that if the landlord decides to add or increase utility charges for your unit, you are obligated to pay them.  This is true even if it occurs during the term of your lease.  It’s called an escalation clause.

Your kiddo moves into their first college apartment and they ask you to co-sign the lease.  One weekend while they are at home visiting you like the good kid they are, the other roommate decides to have a party.  The party gets out of hand, the unit gets trashed, and the other roommate moves out.  Guess who is on the hook for the other half of the rent and the damages to the unit?  Worse yet, guess what happens if the unit goes to eviction status?  Many rental agreements are whole-unit, not separate tenant.  This means that as a co-signer you are fullly responsible for what happens with the unit should either party default.

These are “big city” practices occurring all over the nation, including small towns. Your best defense? READ THE LEASE BEFORE SIGNING IT!  If you will be pressed for time at your move-in, request a blank copy to read before your move-in date.  If something is not clear, ASK QUESTIONS.

In addition to reading the lease, you should know your rights as a resident.  Every state has some form of Landlord-Tenant Act that spells out both landlord and tenant rights and responsibilities.  Under federal law your landlord also has a responsibility to uphold the Fair Housing Act which prohibits discrimination on the basis of race, color, religion, sex, handicap, familial status, or national origin.  In addition, there are reasonable accommodations that can be made available to those with a disability, including the required acceptance of service animals at no charge.

I’m not an attorney, but I do have 10 years of property management experience in three states.  If I can help with any leasing questions, ask away!

-Miss B


“It Came From Outerspace”

King Tut, the ancient teenage Egyptian king, was buried with many ceremonial objects, including an iron-blade dagger complete with a gold handle and sheathe. As if the golden fixtures weren’t impressive enough, it turns out the blade was made with metal that came from outer space. In a paper published last month in the journal…

via Scientists discovered King Tut’s dagger came from outer space — Quartz


“White fragility”

No one wants to be called fragile. And if you’re white, what you feel reading the title of this article may be indicative of the term. “White fragility” refers to white people’s low emotional tolerance for discussing topics of race and racism. The term was coined by Dr. Robin DiAngelo in a 2011 article discussing…

via The scientific way to train white people to stop being racist — Quartz

Federal Housing Policy: There Goes the Neighborhood

Federal housing policies have existed since the 1930s. Citizen support for federal housing policies evoke a range of emotions from ambivalence to violent opposition. A recent decision by Housing and Urban Development (HUD), is no exception. The ruling, Affirmatively Furthering Fair Housing (AFFH), is designed to deconstruct current housing policy and re-assemble it in a fashion that prevents segregation, concentration of poverty and unequal access to community assets (U.S. Department of Housing and Urban Development 2015). The policy seeks to address historical patterns of inequality by changing planning at the local level and has garnered a slew of negative press. For example, The Hill published a 2014 piece entitled, “Obama Making Bid to Diversify Wealthy Neighborhoods”. In addition, the spectacularly slanted piece on decries, “War on Suburbs: Obama, Julian Castro Rev up Affirmative Action Housing”. What images do these headlines conjure? Perhaps attack on middle-class values? Fear? Loss of control? There are many unwritten words that the media outlets want the reader to fill in. It is a complex fabric of race, big government, and capitalism. The trite narratives in the media headlines are meant to induce drama and emotional reactions helping to sell more papers.

Like most redistributive policies, federal housing policy seeks to redistribute wealth in pursuit of the greater good. In this instance, by equalize living conditions for those who cannot afford adequate shelter. Lawrence L. Thompson (2006, 2) points to the inception of housing policy as its modest beginnings as a step to bolster the economy and put the dream of home ownership in the hands of many. From these humble beginnings, federal housing policy has morphed over the years to address issues surrounding low and moderate income families through mechanisms such as public housing, programs targeting urban decay, entitlements, and block grants. The controversy in housing policy does not lie so much with government provision of shelter, but with the definition of adequate shelter. According to Housing Quality Standards (U.S. Department of Housing and Urban Development), minimums for shelter include a secure structure, plumbing, electric, cooking source, and heat. To tax payers that could seem adequate. To those living in such housing, often described as “slums”, “hoods” or “projects”, that may seem far from adequate.

Does federal housing policy also have a duty for safety, and access to jobs, education and other community assets? In addition, to discuss housing without discussing race does a disservice to the underlying wicked problems presented in federal housing policy. The question becomes, how will this ruling be different from all those that have come before it? To answer that question means to delve into federal housing policy at the practitioner level by addressing the social constructs and narratives driving policy, historical housing policy, and the overarching goals of AFFH policy.


Policy Narratives & Social Constructs
Randy Clemons and Mark McBeth (2009) define public policy as the actions or decisions made by government. For example, the action or inaction of budget cuts is a public policy. The decisions guiding who gets what comes in the form of a struggle whereby political actors use (Clemons and McBeth 2009, 13) coercion, bargaining, compromise or rewards. The conversation surrounding these decisions and the tools selected to get the job done are cloaked in policy narratives. Policy narratives are stories. Just as stories have beginnings, conclusions, and a cast of characters including villains, heroes and victims, so to do policy narratives. What sets them apart from stories is how they are framed. Stories are meant to entertain and delight. Policy narratives are meant to advance ones ideology or to “win” over opposition. Political actors frame policy narratives often in ways that create emotional reactions, painting worst-case scenarios with sweeping brushes of loaded information. In other words, the narrative is not meant to illuminate, but to stabilize and underwrite a complex issue by providing slanted information. How a public problem is defined (Clemons & McBeth 2009) sets the tone for the rest of the policy cycle. The end result of the policy is largely determined by who has the stronger narrative and what they define as the particular social ill at hand.

Two components of a narrative that can affect the policy process are what Professor Deborah Stone refers to as the “strategically crafted argument” and social constructs (Smith 2009, 188). Social constructs can often feed a strategically crafted argument by highlighting certain information and leaving out details that could be damning to the argument. In this regard, policy makers can craft arguments to evoke mental images that make an idea attractive and the alternative gruesome, villainous, or wasteful. For example, narratives surrounding the poor often frame them as mentally ill, lazy, drug users who would rather take advantage of the system than work. Framing a concept in this light makes it almost impossible for the average person to back polices that divert tax money to supporting those that do not “deserve” help.

Social constructs (Paul Sabatier 2007), are created by policy makers to cast beneficiaries or recipients in either a positive or negative light. In turn, the distribution of benefits or encumbrances reflects and further defines the perception of the target population. Sabatier further delineates target groups into four classifications: advantaged, contenders, dependants, and deviants; each characterized by low or high power and a positive or negative perception (Sabatier 2007, 101). Advantaged groups enjoy high power and are seen in a positive light. They are small business owners and homeowners; the group that puts money into the economy. At the other spectrum of the high power scale are groups seen in a negative light. Although they contribute to the economy they are seen as a necessary evil such as big business and big oil; big box stores such as Wal-Mart often fall in this category. Shifting down the scale to no power and positive perception is the dependant group. Examples are students and children. These groups are seen as positive but have low power because although people deem it necessary to support them, they do not contribute to the economy and often do not voice their needs. Sabatier opines, support and resources are not extended to dependent groups until predicated as past the point of no return, or in a crisis situation. The last category is the deviant group which has no power and is perceived negatively. This group often houses criminals, and welfare recipients (Sabatier 2007).

What are the implications of social constructs in the policy arena? It can mean that the light and shadows cast by non-rational definitions surrounding money and power affect who gets what and how they get it. Target groups are influenced by the fluidity of social constructs and as such, move in and out of power status and perception based on public mood, trigger events (e.g. crises), and shifts in administration. In addition, it is important to consider what Emery Roe refers to as a metanarrative; a thing that is unsaid by the things that are said. In other words, Roe likens the metanarrative to the Gestalt psychology theory of “a thing defined by what it is not” (1994, 155). Regarding housing policy, what is largely unsaid is the failures of capitalism in the Great Depression are responsible for underwriting policy emphasizing help for the middle class. As such, the unspoken metanarratives of capitalism and racism have underwritten many of the failures in housing policy.


Historical Policy Context
Federal housing policy, like most redistributive polices, is characterized by waves of expansion and restraint attached to public mood, certain trigger events (such as the Civil Right Movement) and changes in presidential administration. According to R. Allen Hays (1995) there are four main issues that are central to housing policy. They are quantity, quality, cost and equity. Throughout the long and tenured 85 year history of housing policy no one issue has dominated landscape. Each administration has had its own slant on which area of emphasis should spin the next iteration of policy through the formation process.

Prior to the Great Depression, issues in housing were treated largely as a private matter. Changes in public mood in conjunction with ill-equipped local governments became the tipping point for government intervention in mitigating the effects of economic depression. Prior to 1934, housing programs addressed only short term emergency situations such as foreclosure (Hays, 1995). The Depression had devastating effects on families as foreclosures and evictions accelerated to rates not previously seen in any other time in history. The 1934 National Housing Act, penned under the umbrella of the New Deal (Thompson 2006, 2) was designed to encourage the accumulation of personal assets and stimulate the economy. The 1934 Act contained a federally insured home mortgage insurance program administered by the Federal Housing Administration (FHA). The program provided incentives to both investors and individuals seeking housing. Homeowners paid premiums to national accounts that covered defaulted mortgages. The program offered fixed long term payment schedules and low down payments (Thompson, 2006, 2).

The 1934 Act changed housing policy. For the first time, housing policy expands beyond emergency assistance and plays a federal regulatory role in banking and credit industries. According to Hays (1995, 85) the intended beneficiaries of FHA loan programs are the working class with steady income. After the Act’s adoption, more individuals can afford mortgage payments, thus putting the “American dream” of homeownership within reach of more families. Prior to the 1934 Act, there was no system in place to handle an influx of FHA applicants. As program demand increased, applications were controlled by private bankers. Because the program began long before the end of the “separate but equal” doctrine, it quickly became characterized by discriminatory practices. Scholars and practitioners (Hays, Heathcott, Kimble) cite the practices of private bankers refusing to write loans in central cities and point to the intersection of suburban “white flight” along with the construction of new highways, and the suburban relocation of central city jobs as dealing a crushing blow to urban areas. As jobs and white working class families withdrew, central cities were left with sprawling deficiencies and a minority class with decreasing access to jobs. Hays (1995, 86) shines light on the vicious cycle official and unofficial discrimination by the FHA which further contributed to private bankers forbearance on mortgages in central cities.

John Kimble (2007) delves into the deeper reasons for refusal to underwrite mortgages in central cities. Kimble’s work indicates issues beyond surface discrimination to deep seated segregation policies between the FHA and all parties involved in the mortgage process. Kimble contends the deeper forms of racism can be seen in historical scoring of neighborhoods based on percentages of minorities, and community assets. Passages from the 1930 and 1947 FHA Underwriting Manual indicate to agents that it is imperative that the social and racial classes stay separated to maintain property values. To further crystallize this process appraisers were directed to map the racial characteristics in each geographic area so that race and penetration of minority groups could be tracked (Kimble 2007, 405).

Racial and class tracking directives led directly to the first appearance of segregated planning processes and racially classified property deeds as standard practice. By the late 1930s the FHA was shaping policy around its favored beneficiaries, the white middle class as the socially constructed advantaged group. Hays (1995, 27) suggests minorities face discrimination in employment which leads to larger proportions of minorities in an impoverished state. The higher number of poor minority groups as opposed to poor whites links them directly to the negative images surrounding the poor. Thus in a twofold blockade, characterizing minorities as dependents or deviants prevents them from securing good jobs and penetrating the white suburbs.

The period of the 1930s also saw the introduction of low interest construction loans to supply affordable housing to the “submerged middle class” (Heathcott 2012, 362). Initial programs were too small in scope to make the rents truly affordable to the intended beneficiaries. Housing advocates ramped up their lobbying activities and were able to successfully secure a new bill in 1937 that would become the birth of public housing. The new legislation was designed to benefit low-income recipients and control was placed squarely in the hands of local governments. The devolution of power was tricky water to navigate because it required the creation of Public Housing Authorities (PHAs) and approval of legislation that would enable localities to move forward with public housing plans (Heathcott 2012, 363).

The 1940s were characterized by the boom in housing needs generated by new families and a buckled private housing market. Hays (1995, 91) contends that public housing was sharply curtailed by budget cuts and was barely off the ground when its stock was diverted to war needs and workers. In addition, as the program began to take shape in the late forties there was much debate over the beneficiaries of the program, the design and cost of the units, and where the units would be situated. The public housing program also marked the first real devolution of power to local government. As such, public housing fell into the hands of local political figures who were responsive to their constituencies, local political networks, and public mood.

Site selection became a big grievance in this area according to Hays (1995, 92) as local officials gave into immense political pressure to situate new projects amongst existing projects, images of slums and projects began to take shape. The social construction label of deviants surrounded the poor and attracted crime due to the large densities of disadvantaged, powerless people. This further re-enforced the perceptions of the projects and the people themselves. Concentrating many low income tenants in one area also feeds negative perceptions (Atkinson & Jacobs 2010, 160) and leads to an aversion the public feels towards public housing projects.

As federal housing programs continued into the 1950s they became characterized with competing goals. Heathcott (2012, 366) calls the goals a “recalibration” effort to provide adequate shelter and include: funding for urban development, increased funding for FHA programs and a commitment of new public housing units. One of the goals under the 1949 Housing Act, funding for urban development, morphed into the program that would later be the slum clearance mechanism under the title Urban Renewal. Urban renewal is one of the most dastardly programs on the books. It was designed to help clear blighted areas while creating new affordable housing stock. According to Marc Weiss (1985, 254) less than 3% of units demolished in urban renewal areas were rebuilt by the time the program was designated a failure in the late sixties. The legislative broom of urban renewal became so closely linked to displacement of minorities it had come to be referred to as “Negro removal” (Weiss 1985, 253).

The reality of Urban Renewal was business interests took precedent over housing for the poor as there was no mechanism in place to divert funding away from commercial interests and towards housing needs. Dilapidated housing and blighted areas were cleared but the real damage came in form of the breakdown of social capital. Susan Greenbaum (2008, 43) describes social capital as a shared bond amongst the neighborhood residents that can be called upon to bridge gaps in times of need. It could be argued that social capital is crucial for an impoverished area. Many times neighbors will pool resources than enable them to work and take care of their families. This could be the sharing of a car, or childcare that is otherwise unaffordable. As housing units were destroyed, residents were relocated in many different areas and waitlisted for housing stock that was not replenished at the same rate as those that were destroyed. Furthermore, the competing housing goals of the 1950s contributed to what Heathcott (2012, 366) describes as the triple threat to minorities. As they were displaced by Urban Renewal they were further locked out of available housing stock by discriminatory FHA policies and “gentleman’s agreements” between white real estate agents thus keeping minorities gridlocked in declining inner cities.

Stone (2012, 340) contends, “The system of rights depends crucially on citizen’s willingness to bring their grievances to government”. Perhaps this is why historical housing policy circumvents the responsibility to provide equal access. Individuals affected are not citizens that can easily attend city council meetings or mobilize contact of elected officials. This scenario describes housing policy until reforms made in the 1960 Civil Rights Movement. The culmination of Fair Housing Laws and cabinet-level designation of HUD were the first of many attempts to change the system. The Fair Housing Act of 1968 (U.S. Department of Housing and Urban Development) offers protection from discrimination in housing activities such as purchasing or renting. The original protected classes were race, color, national origin, and religion. Through subsequent amendments gender, disability, and familial status were later added to the protected categories. The Fair Housing Act was passed by Congress shortly after the assignation of Dr. Martin Luther King. It represented an expansion of federal authority over earlier acts limited to policies where federal spending was directed. Thus, HUD assumed a regulatory role in the entire housing market (Thompson 2006, 8).

The failures of the FHA underwriting practices and public housing have set in motion many different flavors of policy designed to correct discrimination, segregation and unequal access to community assets. The Fair Housing Act was the first major legislation to do that. Two pieces of legislation that appear to have the blueprints to the new Affirmatively Furthering Fair Housing (AFFH) ruling are the 1974 Community Development Act and the Cranston-Gonzales National Housing Act of 1990. The passage of the 1974 Community Development Act marks the first appearance of goals similar to AFFH monitoring requirements. Localities receiving Community Development Block Grants (CDBG) are subject to approval by HUD. The process is based on a newly required comprehensive planning document in the form of a Housing Assistance Plan (HAP). The HAP is designed to address the condition of housing stock, the needs of the community, and goals for provision of assistance (Hays 1995, 199). Blocks grants were initially popular with localities due to their quiet reliance on existing local political arrangements (Hayes 1995, 242) which also meant the grants were vulnerable to pull from other areas such as economic development and infrastructure.

The second piece of legislation that has similar goals to the AFFH is the Cranston-Gonzales National Housing Act of 1990. The act emphasizes stability through homeownership like its predecessors, and is entrenched in the ideology of federal devolution to localities that began to emerge in the late 1970s (Ziebarth & Meeks 1998). The 1990 act also introduced a revised planning process to replace the previous HAP agreements. According to Hays (1995, 260) the Comprehensive Housing Affordability Strategy (CHAS) was similar to the HAP agreements in that it required localities to review current housing stock, the current housing market, and available resources. What made CHAS planning different was the requirement of public-private task forces and the need for a five year plan to address areas of deficiency.


Affirmatively Further Fair Housing, AFFH
To understand AFFH it is important to view it through two lens: its inception, and how it will achieve the stated goals. Historically, housing policy has been plagued with vague and often conflicting design concerns. With no oversight and clever private stakeholders, the programs become a clearinghouse for individual profit, a facade for political humanitarianism, and thus reach their biggest failure point at the end user. The implications being that most of these programs had a great chance of harming the very population that they were supposed to benefit. With each program failure and each change in political conditions, federal housing policy re-entered the policy cycle.
In the traditional iteration of the policy model (Clemons & McBeth 2009), policies go through a cycle or loop as they make a natural progression from the problem definition through adoption on to implementation. The evaluation stage being where decisions are made about how to change or terminate the program. In reality, the policy process can take on variable directions and infinite loops that are based on public mood, shifts in administration and trigger events. The problem definition is the most difficult part of the process. It takes much cajoling and compromising to come up with a working definition of a problem that will be clear enough to make the government agenda. Often times trigger events or other propaganda laden items get pushed forth that are ambiguous and difficult to understand, while other problems are shaped by an uninformed public or an elected official who has a stake in the outcome (Clemons & McBeth 2009).

Taken through a view of nonrational processes, a more fitting rubric is offered by Professor John Kingdon’s model (Anderson, 2011). The model states that three separate streams (problems, proposals, politics) must converge in a window of opportunity to set an agenda and shape future policy development. In simple terms, the model indicates that agenda setting is a combination of the above mentioned forces in an opportunistic time frame that will secure a majority interest on an issue. Critics such as Michael Leahy (2015) contend that the AFFH ruling is a form of social engineering that was passed under the cover of an important Supreme Court decision regarding site selection of low-income housing units. The case, Texas Department of Housing and Community Affairs v. Inclusive Communities Project, Inc., (2015) is about disparate-impact and whether certain policies, such the concentration of low-income housing in inner city neighborhoods, creates disproportionate disadvantage to minorities groups. Disparate-impact at its core is about whether the effects of policy create adverse impact on protected classes, regardless of the intent of the policy. Perhaps given Kingdon’s model of the policy process, the current state of civil rights in conjunction with the Supreme Court case, were the openings of windows to advance the agenda of new housing policy.

To sidestep a discussion of the racially charged narratives, such as those in housing site selection, creates a missed opportunity to correct underlying metanarratives of racism and capitalism that damns minority groups to a rung of unequal access. Atkinson and Jacobs (2010, 160) highlight the complexity of the self fulfilling prophecy of social construct laden narratives by suggesting that the poor are “thrice damned” to particular neighborhoods because they bend to the bureaucrats requirements for their low income, take on the label that availability of inferior housing is resultant of their dysfunction, and as the final nail in the coffin, are subject to low political support because of the conditions (densely impoverished areas) created for them by the low political support.

AFFH is designed to change all that by enforcing equal access, which has been the documented goal of housing policy since the 1960s. It is a clarification to the Fair Housing Act of 1968. According to the Federal Register (U.S Department of Housing and Urban Development 2015), AFFH is designed to promulgate the Fair Housing Act of 1968, and to overcome historic patterns of segregation and unequal access. This will be achieved through several channels that start at the local planning level. Program participants receiving CDBG funding will be required to address legacy segregation patterns by taking steps to balance communities in a way that is free from segregation.

AFFH represents an attempt to correct the imbalances in communities dating back to the beginning of housing policy, such as those created by the FHA. In the Regulatory Analysis HUD states that although it is not possible to define “fairness and dignity” they are values at the heart of the AFFH rule; values, when addressed, propel communities out from under restricted zoning practices (U.S Department of Housing and Urban Development 2015, 2). However, instead of a blanket mandate HUD recognizes that all regions are different and allows for local decision making of planning policies under a general rubric. What is strikingly different about AFFH is that is does not require a specific action to be applied to all localities; it can be likened to a tool box. Each jurisdiction is able to use tools that apply to its specific circumstances. In addition, HUD encourages (U.S Department of Housing and Urban Development 2015), but does not require, program participants to work together in a horizontal collaboration to effectively pool resources.

According to the Federal Register (U.S Department of Housing and Urban Development 2015), the resources available to localities include: a standardized assessment tool, provision of big data, agency collaboration, and the facilitation of civic engagement. Under previous housing policy localities conducted an analysis of impediments (AI) that blocked protected classes from fair housing choices. However, prior to AFFH these plans were largely unmonitored (U.S Department of Housing and Urban Development 2015, 42272). Under the new process as documented by the Regulatory Impact Analysis (U.S Department of Housing and Urban Development 2015 ,1) Assessment of Fair Housing (AFH) combines standardized government data on issues such as patterns of segregation and impediments to community assets, with local strategic planning.

One criticism of other post Civil Rights corrective housing policy such as HAP agreements (Hays 1995, 261) is the process became merely a numbers crunching exercise. AFH moves beyond this in the Regulatory Impact Analysis (U.S Department of Housing and Urban Development 2015 ,5) whereby it translates the goals of the rule from paper to implementation. Possible actions to overcome impediments to access include: modification of zoning and site selection, transportation systems linking housing to employment centers, revised lending practices, and access to information about rights and responsibilities. The particular mix of tools used will depend heavily on how proactive the locality was in previous planning practices and what resources in terms of time and money are available.


Federal housing policy emerged as an emergency bail out to homeowners. Its initial goals were to provide jobs and economic growth during the Great Depression. Later programs were designed to provide improved access to affordable and desirable housing. When viewed through a historical context, the link between housing policy and racism appears. Strategies to correct imbalances are often met with the predominate narrative of government social engineering to disrupt middle-class neighborhoods (Leahy 2015). However, the very beginning of housing policy such as, FHA underwriting practices, slum clearance, and restriction of low-income projects could be likened to a form of social engineering.

The housing conversation starts by acknowledging that policy began in a time when both the policy makers and the beneficiaries were white middle class families. Up until the Civil Rights movement the poorest of the poor and minorities had no voice. With no one to hear them they were shut out of the policy conversations that could improve their lives. Public policy is often a reactionary machine to public mood. The tension felt by what changes are desired in policy is the attempt to pull the pendulum into balance. The AFFH rule seeks to correct the imbalance created in earlier policy by elevating communities as a whole, not by displacing minorities or brute force integration of suburbs. AFFH certainly has the flavor of post Civil Rights era corrective policy that rely on data, planning and civic engagement. But is this policy doomed like all those before it? Only time, and the next iteration of the policy cycle will tell.

Anderson, James E. 2011. Public Policymaking. Seventh edition. Boston, MA: Wadsworth Cengage Learning.

Atkinson, R., Keith Jacobs. 2010. “Damned by Place, then by Politics: Spatial Disadvantage and the Housing Policy-research Interface”. International Journal of Housing Policy, 10, 2 (June): 155-171.

Clemons, Randy S. and McBeth, Mark K. 2009. Public Policy Praxis. Pearson Education, Inc.

Greenbaum, Susan. 2008. “Poverty and the Willful Destruction of Social Captial: Displacement and Dispossession in African American Communities”. Rethinking Marxism, 10, 1 (January): 42-54.

Hayes, R. Allen. 1995. The Federal Government and Urban Housing. Albany, New York: State University of New York Press.

Heathcott, Joseph. 2012. “The Strange Career of Public Housing: Policy, Planning and the American Metropolis in the Twentieth Century.” Journal of American Planning Association, 78, 4 (Autumn): 360-375.

Kimble, John. 2007. “Insuring Inequality: The Role of the Federal Housing Administration in the Urban Ghettoization of African Americans.” Law and Social Inquiry, 32, 2 (Spring): 399- 434.

Leahy, Michael. 2015. “War on Suburbs: Obama, Julian Castro Rev up Affirmative Action Housing”. unite-to-subjugate-americas-suburbs-with-unlawful-affirmatively-furthering-fair- housing-rule/ (July 29, 2015).

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U.S Department of Housing and Urban Development. 2015. Federal Register. Affirmatively Furthering Fair Housing Rule: Regulatory Impact Analysis. Washington, D.C.: Department of Housing and Urban Development.

U.S. Department of Housing and Urban Development. Housing Choice Voucher Program Guidebook. Washington D.C.: Department of Housing and Urban Development.

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U.S. Department of Housing and Urban Development. “Title VIII: Fair Housing And Equal Opportunity.” housing_equal_opp/progdesc/title8

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Mitchell. New Brunswick, NJ: Center For Urban Policy Research, 253-276.

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In today’s small business session I took cold calling off the table. Yes. Death be to the dastardly cold call. In lieu of the ever dreaded cold call I suggested that my client think of marketing her brand as “prospecting”.  The word feels better and with that better feeling produces more confidence.

In “prospecting” you will still call clients to explore potential leads. The difference is that you will have worked hard in strengthening your brand and expanding your network. Through this activity you will find potential clients with less effort. This will require more behind the scenes work.  It will require you, the small business owner, to know everything that sets you apart from your competition; know what solutions you offer and what other solutions are available.  And it will require you to have some knowledge of your prospective lead and what makes them special.

Doing your homework will not only make you feel better prepared but it will go along way in building rapport with your potential new client!

Do you have any suggestions on effective methods of prospecting?