'Get It' and Act!

At a recent symposium held by Stanford Graduate School of Business, studies were shared on ‘getting people to do good’. The context was recycling however the messages apply to any cause. One of the findings was to focus on good news and pair it with the broader philosophy of why the action is important. The pairing of good news and philosophy will help people to ‘get it’ and act.

Dr. Lisa K. Bates, of Portland State University and Portland Housing Center Board member, demonstrated that kind of messaging in her testimony to City Council on April 11th. The City Council is considering next year’s budget. The Office of Management and Finance recommended cutting all the homeownership education and counseling support. Homeownership advocates are asking funding support be continued and at $500,000.

The good news Dr. Bates told City Council was, “Through funding homeownership education and counseling, the City can ensure access to the benefits of homeownership is available to a broad spectrum of Portlanders –making these opportunities real for first generation buyers, moderate income households, women, and communities of color.”

The broader philosophy of why this is important according to Dr. Bates is “A thriving city is one that people both figuratively and literally ‘buy into’- owning a home as a commitment to community and an investment in the future. Owning a home gives people a tangible stake and an opportunity to benefit from economic development. Research shows that children of homeowners (even low income owners) have better health and do better in school and future employment.”

Now let’s hope City Council ‘gets it’ and reinstates $500,000 to fund homeownership education and counseling. If you ‘get it’ and want to act contact City Council and let them know you support homeownership services. Then join the Portland Safety Net and let everyone know.

It Is Sweet and Pink!

An article in the Wall Street Journal asks “For Women is Home Really so Sweet?” (February 18, 2012). The writer’s conjecture is women buying homes may be swapping one rite of passage, marriage, to another means of feeling settled by buying homes. It may be true that some women are choosing homeownership. As a single woman who bought her house twenty years ago, I didn’t consciously make the choice of homeownership over marriage, but I am still in my house and I am not married. I must say I am glad I made those choices. I like that my home’s value is 3 times what I paid for it and my loan is nearly paid off. I am not sure if the net monetary value of my partner has increased as much.

If homeownership is a ‘right’ of passage that is fine by me as long as it is an option. It wasn’t so long ago that a woman in the Portland Housing Center home buying class said she thought she needed a husband to be able to buy a home. Before 1981 and the Equal Credit Opportunity Act it was NOT illegal for lenders to discriminate based on sex or marital status. Then it had been necessary to have a husband to purchase a home. The former Mayor Vera Katz tells her story about buying her first home before 1981 as a divorced single mom. She was asked in the loan interview if she was using contraceptives.

I can appreciate the writer questioning why women make the decision to buy a home. But then she goes too far – “ . . . one that, as the housing crisis has proved, can too easily end in calamity.” Just when it is possible to dream about homeownership on one’s own, the writer throws the wet blanket – you’ll lose it, you’ll lose the home. That is fear mongering. Instead of promoting the fear, I wish the writer promoted quality home buying education and counseling, good loans, and women’s option to purchase regardless of whether it is a rite of passage or a desire to paint the walls pink and have a dog.