PS5


 * Brainstorming: ** Poverty, Homelessness, taxes, subsidy, cheaper, mobile, credit, law, home, government.


 * Thesis Statement. ** Because of homelessness, governments around the world should provide better financial security, give better paying jobs or provide cheaper houses.

I. Provide better financial security. - a) Subsidizing taxes. - b) Canceling debts if the person attempts to buy a house.
 * Outline. **

II. Give better paying jobs. - a) A salary that allows to cover the monthly payment of a house. - b) New laws.

III. Provide cheaper houses. - a) Building their own houses. - b) Offering mobile houses.


 * ‍‍‍‍‍‍‍‍‍‍‍‍‍‍ ‍‍‍‍‍‍‍‍‍‍‍ **
 * Three Ways to Avoid Homelessness Around the World **


 * By Neftalí Fernando Pérez Alvarez **

"People who are homeless are not social inadequates. They are people without homes.” - //Sheila McKeichnie//. For ‍‍‍‍‍‍‍‍‍‍‍‍‍‍ ‍‍‍‍‍‍many‍‍‍‍‍‍,‍ the definition of poverty just means people who do not have to eat, but also includes people who do not have a place to live. Homelessness is a problem that is rising every day around the globe. It is a condition whereby a human is not able to sustain or provide a property for himself or his descendants (Haber & Paul, 2004). Because of homelessness, ‍‍‍‍‍‍‍‍‍‍‍‍‍‍governments around the world ‍‍‍‍‍‍‍‍‍‍‍‍‍‍ should provide financial security, give better paying jobs or provide cheaper houses.

Firstly, governments should provide better ‍‍‍‍‍‍financial security‍‍‍‍‍‍. According to Haber & Paul (2004), "In developed countries like Norway and Finland, the rate of people who have their own house is the highest in Europe (about 92% of the economically active population) due to practical and efficient financial system they offer" (p.142). The subsidy is the best contribution that the government can give to one who is ready to buy a house due to the ‍‍‍‍‍‍‍‍debtor may dispose of the surplus‍‍‍‍‍‍‍‍ money to fund other needs. According to Haber & Paul (2004), "An average employee spends more than 45% of its net earnings just to pay the rent of a house-room" (p.144). The reduction of lower taxes and the deduction of fees such as school tuitions and medical services could help complete the monthly payment on a house. However, to earn a good salary is necessary to perform an activity that allows to obtain it.

‍‍‍‍‍‍‍‍‍‍‍‍‍‍Also ‍‍‍‍‍‍‍‍‍‍‍‍‍‍,‍‍‍‍‍‍‍‍‍‍‍‍‍‍ ‍‍‍‍‍‍‍‍polities should give better paying jobs. A study by the University of Oregon showed that the primary reason why families lose their homes is the low wages received by the parent or who supports the patrimony (McGillivray, Ardell & Curwen, 2006). While a person has a salary that allows to cover its basic needs, then it is closer and real possibility of having a property or home. The chances that a family recover its home after mortgage commitment ‍‍‍‍‍‍‍‍‍‍‍‍‍‍is only ‍‍‍‍‍‍‍‍‍‍‍‍‍‍ 68%, and it also creates a debt of up to three times the initial cost (McGillivray, Ardell & Curwen, 2006). The government has the power to create new laws and reforms that force companies to pay a living wage with better performance and economic benefits. It is also possible create new laws that protect the most vulnerable.

Finally, government should provide cheaper houses. In Morocco, the government provides the materials for the construction of "hunerdas" (a sort of hut made ​​of mud bricks and stone) in exchange for the person who will live there works in the house providing the labor (Swick, 2010). Governments can use as a builder the same people who will dwell in the house and therefore can give a home and work at the same time. In Hungary mobile homes are often a good option for some local tribes because they have dual functionality, they are cars and a home simultaneously; furthermore, these kind of housing are useful for nomadic families‍‍‍‍‍‍‍‍ (Swick, 2010). The so-called ‍‍‍‍‍‍‍‍‍‍‍‍‍‍"Recreational Vehicles" ‍‍‍‍‍‍‍‍‍‍‍‍‍‍ are not the most comfortable solution but the cheapest, and also can be used as a means of transportation. The government can implement a program to encourage low-income population to acquire this type of housing.

Having an estate is the basis for the formation and consolidation of a family. The government has the obligation to provide more efficient solutions that increasingly fewer people have no home to live. I think the best solution to abolish this condition is that each government in each country offer ‍‍‍‍‍‍‍‍‍‍‍‍‍‍ ‍‍‍‍‍‍‍better paying jobs‍‍‍‍‍‍‍ for people of all socioeconomic levels. Because of homelessness, governments around the world should provide decent housing at a lower cost, rewarding work with good wages and offering better financial security to society. The alternatives to solve this problem are many, but the goal is one, eradicate homelessness.

**References.**

Haber, G. & Paul, T. (2004). Homelessness among families, children, and adolescents: An ecological – developmental perspective. //Clinical child and family psychology review, 1//, 128-130.

McGillivray, L., Ardell, A., & Curwen, M. (2006). Supporting the literacy development of children living in homeless shelters. //Scottish reading association, 1,// 355-357.

Swick, K. (2010). Responding to the voices of homeless preschool children and their families. //Early childhood education, 1,// 299–304.