Developing a model of housing support: the evidence from Merseyside

This paper examines the complexities of providing housing support services for people who have experienced homelessness. The evidence is from a qualitative study of both those receiving and those providing support services for homeless people to resettle into the wider community from homeless accommodation in the Merseyside area. Different approaches of support are considered and using narratives, a model of successful support is established. The experiences of the majority of the service users strongly suggest that support has been critical in assisting a resettled way of life after being homeless. The paper contends that a critical prerequisite of successful support is the strength of desire of the homeless person to become resettled, coupled with a degree of motivation to engage with support services. The importance of such motivation should not be underestimated. Equally important to the success of resettlement is the relationship that most clients develop with a support worker. This relationship can initially develop while attempting to resolve practical difficulties of finding suitable, permanent accommodation. Through a mutual respect between worker and client and a high degree of empathy from a worker towards a client in tandem with an individualized support package aimed at independent living successful outcomes can occur. The paper concludes that support is successful when it is provided in a flexible manner thus relying on the skill and ability of a support worker to adequately judge the exact requirements of a service user. When this delicate balance between support and service user needs is achieved, the outcome is long‐term sustainable housing solutions.     

Dispersed alarm systems – a review

The increase in the number of retired, elderly and very old in society has begun to pose the problem of how to provide access to care services for those in households which are not purpose built, specially adapted and serviced accommodation. Liberalization of telecommunications in the U.K. allied to technical advances have allowed ‘dispersed alarm systems’ to be developed and thus provide a means of communication between isolated elderly people in distress and a central emergency service. The selection of an appropriate system and its management are discussed in this paper.     

Factors influencing community preferences and residential adaptation

The purpose of the study was to examine the factors that influence preretirees' community and residential preferences during retirement. The data were obtained from a mail survey in which the housing and locational retirement decisions of pre-retirees in four states were investigated. Path analysis results indicated that respondents who were Hearing retirement had already moved to a suitable home and were currently in age-mixed communities, and in close proximity to their children. This has implications for community and housing developers, gerontologists, and public policy makers to create a suitable environment for the elderly to age ‘in place’, and to provide them with adequate housing and community services.     

Work after retirement: intentions,realities and implications

The economic security of families in retirement is a function of levels of inflation and how well families can adjust their retirement incomes to meet inflation. One way of buffering the effects of inflation is to work part-time after retirement from one's main job. Studies of retired people, however, have indicated that levels of post-retirement work are low. This study of a near-retirement aged cohort offered a special early retirement incentive indicates that intentions to work after retirement from their main job are consistent with previous retired cohorts' work levels. On average, respondents anticipated working less than 3·5 h per week or less than 10 weeks per year. Major factors affecting the hours or weeks of work desired were age, life expectancy, perceived retirement income adequacy, marital status, health, sex, area of residence and education.     

Mature Consumer Awareness and Attitudes Toward Retirement Housing and Long-Term Care Alternatives

The retirement housing and long-term care industries have been responding to the needs of aging consumers by developing a wide range of housing facilities and personal care services. The increasing variety of long-term care options is expected to better satisfy the heterogeneous needs of older consumers. Results of a national study and qualitative research suggest that many present and potential consumers of supportive housing and long-term care services do not have a good understanding of these offerings. Many are unaware of the alternatives available. Mature consumers often perceive all long-term care negatively as nursing homes. The proliferation in the variety of housing and long-term care services and the lack of standardization in labeling products may be contributing to the misunderstanding of various options. This misunderstanding leads to consumers not obtaining the housing and long-term care services best suited to their needs. Government agencies, consumer interest groups, and housing and long-term care providers can help to differentiate products and educate consumers to better serve their needs.     

The Role and Influence of External Information Sources in Alternative Housing Decisions by Elderly Consumers:

This paper explores the use and evaluation of external information sources in consumer decision-making. Information sources were evaluated by respondents according to six possible applications for the information-based on information use and hierarchical levels in the decision process. The research setting is nonprofit retirement apartments and the subjects are recent movers to those apartments. The empirical findings of this study have marketing implications for marketers of nonprofit retirement housing and social service agencies serving the elderly. They also suggest further research for other nonprofit marketers.     

The Impact of Selected Mail Response Enhancement Techniques on Surveys of the Mature Market

A study of 658 retired persons provided information on the characteristics most desired in retirement centers. Their current leisure time activities were also asked. The study was conducted for the management of a retirement center. This article focuses on the effectiveness of three treatments designed to enhance the response rate to the mailed questionnaire. The combination of the three factors produced response rates from 18% to 47%. The most effective approach focused on the lack of an offer of results, using an altruistic appeal and not encouraging persons to complete the demographics section.     

Does Calculating Retirement Needs Boost Retirement Savings?

Calculating retirement savings needs is often viewed as an essential first step in retirement planning. Yet, little empirical evidence exists to support the value of this activity. This case study examines the connection between calculating retirement savings needs and retirement savings through analysis of an online survey of benefits‐eligible employees at a large Mountain West university. Controlling for a variety of possible covariates, and using an instrumental variable approach, the case study shows that having estimated a retirement savings target increases self‐reported retirement savings. The results provide support for financial educators and planners in their efforts to encourage people to estimate their retirement needs early in the retirement planning process.     

退休老年人身体形态与力量素质相关关系的研究

近年来老年人的身体健康现状日益成为人们关注的焦点问题之一,为了对退休老年人的身体健康状况有进一步的了解,对58-68年龄段退休老年人进行身体形态和力量素质的测试。研究发现身高与握力（r=0.659）、体重和握力（r=0.655）均有显著相关性,且呈正相关趋势,身高与体重（r=-0.243）呈负相关。因此在适度原则下,应加强以力量素质为主的体育锻炼,其对于提高身体素质,增进健康有非常重要的意义。     

The Impact of Retirement on Household Leisure Expenditures

Household leisure expenditures for retired and near‐retired households were examined in order to better understand the dynamics associated with the move to retirement status. Data from the 1995 Consumer Expenditure Survey indicated that retirement, total expenditures, and education had positive impacts on leisure expenditures. For retired households, greater total expenditures and education increased expenditures, while age and the presence of earned income decreased expenditures. For near‐retired households, greater total expenditures, education, and the presence of asset income significantly increased leisure expenditures.     

The information needs of prospective homebuyers: an exploratory study of apartment purchases in Finland

Ultimately, the search for housing depends on information about the housing market and individual apartments for sale. The housing search process gives rise to diverse information needs. Their nature is elaborated in an exploratory study drawing on interviews conducted with 16 Finnish homebuyers in 2008. The data were analysed by means of qualitative content analysis. The constant comparative approach was utilized to capture the nuances of information needs experienced at three major phases of the housing search process. At the phase of orientation to the housing market and identifying vacancies, the information needs covered a broad area including the supply of relevant apartments in preferred districts and the realistic funding opportunities. The temporal frame within which these needs were experienced was fairly broad. At the phase of assessing vacancies, the information needs became more specific and the temporal frame narrower, since the needs primarily dealt with concrete issues such as the renovation requirements of the apartment. Finally, at the phase of bid formation, information needs were mainly related to the determination of the proper price level and the optimal timing of the price bid.     

Demand‐side housing policy in Costa Rica: a response to the housing deficit

The purpose of this study was to establish what the housing needs of Costa Rica are and to assess what policies have been implemented to respond to their housing deficit. In order to answer these questions, a combined methodology consisting of primary and secondary data was used. Using open‐ended questions and a topic schedule, face‐to‐face interviews with Costa Rican housing authorities were conducted at the interviewee's work place in Costa Rica in May 2003. The most recent secondary data available in the country was used to compute the housing deficit and to study the effects of demographics on current housing needs. Sources of the secondary data were the Costa Rica Ministry of Housing and Human Settlements, and the National Institute of Statistics and Census. The Costa Rican government has made great progress in reforming the housing finance system in order to meet the housing demand of its citizens. In 2002, Costa Rica had a 75.6% home ownership rate. Yet, even in light of the housing system's current success, many social, economic and political barriers threaten to undermine its accomplishments and the peoples’ ability to obtain safe and affordable housing. The paper considers the strengths and weaknesses of the current housing finance system as well as the government strategies for addressing difficulties.     

Services Offered by Charitable Organizations:

Perceptions and attitudes pertaining to a wide range of services offered by charitable organizations are compared from the perspective of retired and non-retired persons. Generally, non-retired persons demonstrated a much stronger level of agreement with the necessity for offering a broad range and scope of services than did retired persons. Statistically significant variations did occur between the two groups which can be implemented when developing marketing strategies to increase donations and programs for attracting and retaining volunteers.     

Does poverty lead to non-fatal unintentional injuries in rural Vietnam?

The aim of this study was to identify associations between poverty at the household level and unintentional injury morbidity. A cohort consisting of 24,874 person-time episodes, representing 24,776 people living in 5,801 households (classified into rich, middle income and poor by local authorities in 1999) was followed during 2000, in order to identify and assess non-fatal unintentional injuries. Incidence rate ratios were calculated using a Poisson regression model. The results showed that poverty was a risk factor for unintentional injuries generally. When looking at different types of injury, poverty was a risk for home, work and "other" injuries, protective for school injuries, while the risk of traffic injuries was not affected. The results also showed that communes in mountainous areas were at higher risk for home, work and other injuries. Overall, poverty was associated with unintentional injury morbidity. However, the relationship varied by sex, age and type of injury. Specifically, poverty increased the risk for children and elderly people being injured at home, and for adults (15-59 years) being affected by work injuries.     

Öffentliche Wohnraumförderung — auf dem richtigen Weg?

In Germany, in times of extreme low interest rates there is a boom in housing construction, housing demand and housing prices. In order to relieve the housing market, the Federal Government is planning to expand the funding for social housing considerably. Affordable housing has been decreasing in German metropolitan areas in recent years, the same applies to social housing. Meanwhile, the demand for dwellings in the lower and middle price segment is rising, partly due to an increased migration rate. This is why a strong social housing promotion needs to be combined with an effective direct subsidy, such as a dynamic housing allowance. However, the targeting of social housing is highly inaccurate. Thus, it would be better to strengthen housing allowances and to help lowincome households to purchase homes in order to reduce living costs. Nowadays, property credits stabilize the banking sector. However, just a small increase in interest rates could result in a new financial crash. Ever since their foundation, housing cooperatives have created affordable private dwellings and a safe living place for their members. They are able to produce not only tenants but owners of the dwellings. Thus public assistance schemes and subsidies should not exclude housing cooperatives.     

The Methuselah market

In this paper the authors focus on the Methuselah Market, defined as those people within five years of retirement age. Demographic change over the last 100 years has led to a substantial increase in the proportion of the population in the older, near retirement age group. Yet as consumers the needs of this sector of the population have been neglected by marketers. The size, characteristics and potential of the Methuselah Market are discussed, and specific product areas of particular interest to this market are identified. A further paper will be published in the November issue reviewing the decision‐making process of the older consumer and indicating specific marketing strategies relevant to the Methuselah Market.     

Pre-retirees' assessment of housing adequacy and their propensity to move

The purpose of this study is to determine how adequate pre-retirees perceived their homes would be for retirement, and their propensity to move after retirement. This study assesses the relationships between certain socio-demographic variables and feelings and plans for retirement, current housing tenure and structure conditions of the home, the anticipated adequacy of the size of the current home for retirement, and the anticipated locational decision after retirement. Three hypothesized models were tested, each succeeding model adding another level, using the above variables. The hypothesized models were tested using logistic regression. Marital status and family income are statistically significant in the prediction of current housing tenure and structure conditions. The amount of planning for retirement, assessed by the respondent in comparison to others of similar age, is a significant predictor of anticipated satisfaction with the present dwelling at retirement. Anticipated satisfaction with the present dwelling at retirement and age are statistically significant in the prediction of likelihood of moving at retirement.     

大城市旧宅区居住人口特点、影响及对策研究——以上海市为例

大城市社会经济的快速发展及住宅市场的不断细分,导致了居住群体的相对集中.作为一种客观存在,旧宅区内居住人口不断置换的现象值得关注.以上海市为例,在对旧宅区居住人口特点深入分析的基础上,对其政治、社会经济影响作了广泛探讨,并就如何形成适应旧宅区人口特点的社区管理、服务模式,提出了个人见解.     

An examination of life-course use of housing information by the elderly

An examination of the housing decisions of a group of elderly (n= 43) was undertaken to establish the nature of information used throughout the life course and to determine the degree of success of a variety of sources of information in promoting housing satisfaction. A purposive sample of elderly men and women in different tenure groups and house types, from a variety of socioeconomic backgrounds and encompassing ‘young old’ as well as ‘old old’ were interviewed to establish patterns of formal and informal information flow and to determine, as far as is possible, whether information was actively or passively acquired. As would be perhaps expected, elderly owner occupiers, and particularly those from socioeconomic groups I, II and IIIN had used, and continue to use, formal sources of information to a far greater extent than did elderly tenants who had been in manual occupations, who preferred (and had always preferred) to look to family and friends to satisfy their housing information needs. Written information on housing choices appeared to be of limited value to most elderly, although it may be the case that leaflets and booklets are inappropriate sources of housing information for all age groups, not simply the elderly.     

Das Rentenpaket 2014 — eine ökonomische Beurteilung

The 2014 pension reform has three main components. First disability pensions have been increased by about two earnings points, an average monthly gain of 40 euros. In addition low wages in the four years preceding disability-related retirement will now be disregarded. However, since these new rules only apply to retirement after July 2014 they fail to fight poverty among current disability-related retirees. Second an additional credit for all births before 1992 (“mothers’ pension”) is extremely costly and unnecessary. Poverty prevention is weak due to a strict income test in the welfare system for the elderly. Third early retirement at age 63 without actuarial adjustment has been reintroduced This is a costly measure with negative effects on both equality and efficiency. The additional child credit and early retirement provisions reduce the financial and social sustainability of the German public pension system.