HOUSING NEEDS UNIT 1

1
HOUSING NEEDSUNIT 1

• Housing Decisions
• Chapters 1-4
• 15 CLASS PERIODS
• Mrs. Moore

2
1.1 Terms related to housing needs

• See handout

3
1.2 Prehistoric past housing
Plains large buffalo-hide tipi
4
Southwestern and Meso-American pueblo
5
Early Navajo earth-covered hogan
Plains large earth-covered lodge -- Hidatsa,
Arikara, Mandan
6
Plateau, northwest interior ladder-entrance
pithouse
7
Southeastern woven-plastered walls, thatched roof
house
8
Seminole thatched chickee
Great Basin/California thatched wikiup
9
Yukon, Oregon-California double lean-to, planks
and bark
10
Northwest Coast plank house
11
Northwestern forest longhouse
12
Central Arctic snowdome, igloo
13
1.2.1 Relate the influence of past housing trends
on present housing.
14
(No Transcript)
15
(No Transcript)
16
(No Transcript)
17
(No Transcript)
18
(No Transcript)
19
Journal Entry (1/2 page) Imagine that you are
an architect from the future. You want to design
a home that is unique, but reflects the past.
Using the information from the slides so far,
describe the features that you would incorporate
in your design that comes from past designs.
20
1.3 Present housing trends (describe) Town
House
21
Sub-Divisions
22
Mobile Home
23
Luxury Homes
24
1.4 Future housing trends
25
(No Transcript)
26
(No Transcript)
27
Energy Efficient Homes
28
1.4.1 Discuss the influence of technology on
housing industry and future housing

• 1st technologynatural materialscaves, logs,
  grass, mud, snow, rocks, bark, etc.
• Next step was to improve on the natural material,
  ex. Saw logs into planks, rocks were chipped into
  blocks, animal hides became coverings for windows
  and doors

29
Technology

• Since Industrial Revolution
• Housing materials are massed produced
• Shipped by rail
• Prefabricated houses became popular
• Ex. Sears and Roebuckshipped over 110,000 mail
  order houses in a 40-year period
• Location of a prefabricated house from Sears and
  Roebuck--Chelsea, Ok.

30
Technology

• Today
• Parts of houses come from factory ready to
  install
• Factory produced climate-control units, such as
  heat pumps, AC and furnaces, have replaced the
  fireplace and simple fans
• Labor-intensive tasks are done by machinewashing
  machine, dishwasher, vacuum

31
Technology

• Future (and now)
• Computers will run many household systems
• Smart houses
• Checks AC temperatures
• Refrigerators for supplies
• Order groceries and have them delivered
• Energy Saving devices
• New Cooking methods
• CADD (Computer Aided Drafting and Design)

32
1.5 Major challenges in the area of housing
today and in the future

• Space/Privacy
• Cost
• Affordable materials
• Energy efficiency
• Zoning issues
• Aging Populations
• Changes in the family lifecycle

33
Individual and family needs affecting housing
choices

• Personal Priorities
• Space
• Privacy
• Family relationships
• Cost/Income
• Roles of family membershobbies, home office
• Lifestyle
• Current place in family lifecycle

34
1.6.1 Discuss the relationship between
individual, families, and housing.

• Individuals
• Less space
• Choose to live closer to work
• Want fewer household responsibilities

35
1.6.1 Discuss the relationship between
individual, families, and housing.

• Families
• Needs more space
• Needs change as family grows, interest changes
• Need room for personal expression
• May need to accommodate an aging parent or
  children that are ill
• Adult children may return home in times of
  economic downturn or unemployment

36
1.7 Factors that influence the need for housing

• Age
• Employment
• Size of family
• Need for beauty
• Need for security
• Love and acceptance
• Esteem

• Self expression
• Creativity
• Self-actualization

37
1.7.1 Compare housing needs of individuals in
different stages of the life cycle.

• Beginning Stagemarried w/o children
• Childbearing Stagemarried with children up to 6
  years old.
• Parenting Stagecouples with children 6 to 20
  years old
• Launching Stagecouples with children leaving
  home
• Midyears StageCouples before retirement but
  after all children have left home
• Aging StageCouple during retirement until death
  of both

38
ACTIVITY

• In table groups, discuss what you think would be
  specific housing needs for each of the different
  stages that a family goes through. Draw a sample
  house plan and yard that would be appropriate for
  the family phase you choose.

39
1.8 Special housing needs for a disabled or
elderly person.

• One level
• Wide doorways
• Non-skid rugs/no rugs
• Easy access light switches
• Lever door handles
• Drawers instead of doors in kitchen

Universal design is the concept of making houses
easier for everyone to use
40
(No Transcript)
41
1.8.1 Suggest housing modifications for a family
member with special needs.

• Remove carpets to prevent tripping
• Doorways should be 30-36 wide to accommodate
  crutches and wheelchairs
• Entries should be with be flat and without
  thresholds
• Non-skid mats used in bath
• Everyday tasks should be designed so they can
  maintain their routine
• Bathroom and utilities on main floor to prevent
  having to climb stairs

42
1.9 Decision-making process as it relates to
housing choices.

1. Identify the challenge
2. List possible solutions
3. Make a decision
4. Take action
5. Evaluate results

43
1.9.1 Apply the decision making process to
housing choices.

• As a group of 2-3, choose a housing problem and
  apply the decision making process to this
  problem. You will have 5 minutes to discuss and
  then present to the class. Have a member of the
  team write the procedure on paper and put all
  members name on it for a daily grade.

44
Chapter 4 Choosing a Place to Live

• Pages 90-117

45
Scenario

• 2-story house
• Living room, ½ bath, kitchen, den, dining
• Deck on back, 5 round steps on front
• 3 bedrooms upstairs, 2baths
• 36 front door, 30 interior doors.
• Laundry upstairs
• Have a basement with not outside door
• I have just had a car accident and am paralyzed
  from waist down.
• How do we make this house more friendly to me?

46
1.10 Factors to consider in the selection of a
location for living.

• Location
• Region
• Specific part of the world, country
• Community
• City, village, rural
• Neighbor
• Physical neighborhood
• Residential, commercial
• Features have similarities

• Neighborhood, contd
• Zoning/Restrictions
• Planned
• Must fit a developers plan
• Population Composition
• homogeneousresidents are similar to each other
• Heterogeneousvaried
• Low density/high density

47
1.10 Factors to consider in the selection of a
location for living, continued

• Sitepiece of land on which the dwelling is
  built. Extends to the property line.
• Things to consider size, shape, contour, soil
  type, view, privacy
• Natural restraintstopographyfeatures of lot
• Landscaping
• Orientationlocation of the sun, prevailing
  winds, water sources, scenic view
• Legal restraintsminimum property standards
• Zones within the sitepublic, service, private

48
ACTIVITY

• Do workbook page that priorities what you would
  be interested in when choosing a site for a home.

49
1.11 Advantages and disadvantages of renting,
leasing, and buying.

• Advantages
• Renting, Leasing
• Cost less
• Can move easier
• Little maintenance responsibility
• Not responsible for repairs
• Total cost of housing is clearer

• Disadvantages
• Renting, Leasing
• No tax benefit
• No investment in or from property
• No equity in building
• Rent payments can be raised frequently
• Possibility of eviction

50
1.11 Advantages and disadvantages of renting,
leasing, and buying.

• Advantages
• Buying
• Greater stability
• Usually a good investment
• Build equity
• Investment may lead to a better home latter
• Allows creativity in décor
• Choice in space arrangement
• Fulfills the American dream

• Disadvantages
• Buying
• Taxes
• Responsible for repairs
• Possibility of foreclosure
• If foreclosureloss of equity
• Monthly housing cost is usually higher
• Cash is tied up
• Takes time to sell home
• Less mobility than renting
• Some loans allow for mortgage payment to go up
  after a time

51
Tip

• Insurance
• Renters insuranceaffordable insurance on your
  personal property, but does not pay for rental
  property
• Homeownerspays for damage to structure and
  personal property that homeowner owns

52
1.11.1 Figure the cost of housing options.

• Renting Responsibility
• Initial Costs
• Application Fee 30
• Credit Check 20
• Security Dep. 500
• Advance 725
• Total 1275
• Monthly Costs
• Rent 725
• Renters Ins. 40
• Utilities 260
• Total 1257

• Buying Responsibility
• Initial Costs
• Earnest Money 500
• Appl. And Credit Checks incl. appraisal 250
• Inspection Fee 250
• Down Payment 10,000
• Closing Cost 3250
• Total 14,250
• Monthly Costs
• Mortgage pymt 500
• Property Tax 70
• Homeowners Ins 35
• Utilities 300
• Maintenance 30
• Total 935

53
Which housing option has lower initial cost? By
how much? Renting. 12,975 What expense
accounts for the most of this difference? The
down payment What would the difference be without
this expense? 2975 Which option has the lower on
going costs? By how much? Buying. 90 Why
do you think utilities are higher for a
house? Houselarger, more exposure, washer/dryer,
yard What other resources would a homeowner be
more likely to need than a renter? Maintenance
and repair
54
1.12 Steps involved in buying a home.

• Locate property
• Evaluate
• Look for defects
• Sagging roof
• Insect damage
• Cracked foundation
• Make an offer
• Appraisal
• Earnest money
• inspections
• Accepting offer
• contingency

• -Obtaining financing
• Mortgages
• Conventional
• FHAinsured
• VA--guaranteed
• Closing
• Abstract, general warranty deed, title insurance,
  survey
• Closing costspoints, origination fees
• Misc. feesflood insurance, property taxes,
  inspections
• Insurancehomeownershazards and fire

55
1.12.1 Describe the financial and legal
commitment involved in buying a home.

• Titlea document that gives proof of the rights
  of ownership and possession of particular
  property.
• General warranty deedtransfers the title of the
  property to the buyer. It guarantees that the
  title is clear of any claims against it. This
  type of deed offers the greatest legal protection
  to the buyer.

56
Special warranty deedtransfers title to the
buyer, however, it only guarantees that the
seller did nothing during the time of ownership
that would impair the buyers title. Quitclaim
deedtransfers whatever interest the seller has
in the property. The buyer assumes all legal and
financial risks for the property. Mortgagea
pledge of property that a borrower gives to a
lender as security for the payment of
debt. Foreclosurein event of default (not
making mortgage payments) the lender may take
property with no reimbursement to you.
57
1.13 Resources that provide assistance to
persons buying a home.

• Banksconventional loan
• Savings and loans
• Government agencies
• Fannie Mae
• VA (Veterans Administration)
• FHA (Federal Housing Administration)
• HUD (Housing and Urban Development)

58
Moving

• Refer to Chapter 4, page 112-116

59
1.14 Methods of moving.

• Move yourself
• Prosmore careful, know where things are, less
  expensive
• Constiring, may not have resources (truck)
• Hiring a company
• Proseasier, less stress, may insure against loss
• Consprivate items are handled by stranger, risk
  of loss of valuable, more expensive

60
1.14 Methods of moving.

• Tips
• Keep an inventory check bill of lading for all
  items and file claim immediately
• Check everything for damage upon delivery
• Take pictures or video for proof before move
• Pack refrigerator with newspaper, charcoal, or
  toothpaste on paper plate, or fresh, dry coffee
  in panty hose to prevent odor
• Keep jewelry and irreplaceable item with you

61
HOUSING NEEDSUNIT 1

• Housing Decisions
• Chapters 1-4
• 15 CLASS PERIODS
• Mrs. Moore

62
1.1 Terms related to housing needs

• See handout

63
1.2 Prehistoric past housing
Plains large buffalo-hide tipi
64
Southwestern and Meso-American pueblo
65
Early Navajo earth-covered hogan
Plains large earth-covered lodge -- Hidatsa,
Arikara, Mandan
66
Plateau, northwest interior ladder-entrance
pithouse
67
Southeastern woven-plastered walls, thatched roof
house
68
Seminole thatched chickee
Great Basin/California thatched wikiup
69
Yukon, Oregon-California double lean-to, planks
and bark
70
Northwest Coast plank house
71
Northwestern forest longhouse
72
Central Arctic snowdome, igloo
73
1.2.1 Relate the influence of past housing trends
on present housing.
74
(No Transcript)
75
(No Transcript)
76
(No Transcript)
77
(No Transcript)
78
(No Transcript)
79
Journal Entry (1/2 page) Imagine that you are
an architect from the future. You want to design
a home that is unique, but reflects the past.
Using the information from the slides so far,
describe the features that you would incorporate
in your design that comes from past designs.
80
1.3 Present housing trends (describe) Town
House
81
Sub-Divisions
82
Mobile Home
83
Luxury Homes
84
1.4 Future housing trends
85
(No Transcript)
86
(No Transcript)
87
Energy Efficient Homes
88
1.4.1 Discuss the influence of technology on
housing industry and future housing

• 1st technologynatural materialscaves, logs,
  grass, mud, snow, rocks, bark, etc.
• Next step was to improve on the natural material,
  ex. Saw logs into planks, rocks were chipped into
  blocks, animal hides became coverings for windows
  and doors

89
Technology

• Since Industrial Revolution
• ______________________________________
• Shipped by rail
• Prefabricated houses became popular
• Ex. Sears and Roebuckshipped over 110,000 mail
  order houses in a 40-year period
• Location of a prefabricated house from Sears and
  Roebuck--Chelsea, Ok.

90
Technology

• Today
• Parts of houses come from factory ready to
  install
• Factory produced climate-control units, such as
  heat pumps, AC and furnaces, have replaced the
  fireplace and simple fans
• ______________________________________washing
  machine, dishwasher, vacuum

91
Technology

• Future (and now)
• ___________will run many household systems
• ___________________
• Checks AC temperatures
• Refrigerators for supplies
• Order groceries and have them delivered
• Energy Saving devices
• New Cooking methods
• CADD (Computer Aided Drafting and Design)

92
1.5 Major challenges in the area of housing
today and in the future

• ______________________________
• _________________
• Affordable materials
• ______________________________
• Zoning issues
• ______________________________
• Changes in the family lifecycle

93
Individual and family needs affecting housing
choices

• ___________________________________
• Space
• Privacy
• Family relationships
• Cost/Income
• Roles of family membershobbies, home office
• Lifestyle
• Current place in family lifecycle

94
1.6.1 Discuss the relationship between
individual, families, and housing.

• ____________________________
• Less space
• Choose to live closer to work
• Want fewer household responsibilities

95
1.6.1 Discuss the relationship between
individual, families, and housing.

• ___________________________
• Needs more space
• Needs change as family grows, interest changes
• Need room for personal expression
• May need to accommodate an aging parent or
  children that are ill
• _______________________________ in times of
  economic downturn or unemployment

96
1.7 Factors that influence the need for housing

• _____________
• ______________
• ______________
• Need for beauty
• Need for security
• Love and acceptance
• Esteem

• Self expression
• ________________
• Self-actualization

97
1.7.1 Compare housing needs of individuals in
different stages of the life cycle.

• ___________________--married w/o children
• ___________________married with children up to 6
  years old.
• ___________________couples with children 6 to 20
  years old
• ___________________couples with children leaving
  home
• Midyears StageCouples before retirement but
  after all children have left home
• Aging StageCouple during retirement until death
  of both

98
ACTIVITY

• In table groups, discuss what you think would be
  specific housing needs for each of the different
  stages that a family goes through. Draw a sample
  house plan and yard that would be appropriate for
  the family phase you choose.

99
1.8 Special housing needs for a disabled or
elderly person.

• _________________
• _________________
• Non-skid rugs/no rugs
• Easy access light switches
• __________________
• Drawers instead of doors in kitchen

____________________ is the concept of making
houses easier for everyone to use
100
(No Transcript)
101
1.8.1 Suggest housing modifications for a family
member with special needs.

• Remove carpets to prevent tripping
• Doorways should be __________ wide to accommodate
  crutches and wheelchairs
• Entries should be with be __________________
• _______________________________________
• Non-skid mats used in bath
• Everyday tasks should be designed so they can
  maintain their routine
• Bathroom and utilities on _____________ to
  prevent having to climb stairs

102
1.9 Decision-making process as it relates to
housing choices.

• 1.
• 2.
• 3.
• 4.
• 5.

103
1.9.1 Apply the decision making process to
housing choices.

• As a group of 2-3, choose a housing problem and
  apply the decision making process to this
  problem. You will have 5 minutes to discuss and
  then present to the class. Have a member of the
  team write the procedure on paper and put all
  members name on it for a daily grade.

104
Chapter 4 Choosing a Place to Live

• Pages 90-117

105
1.10 Factors to consider in the selection of a
location for living.

• _________________
• Region
• Specific part of the world, country
• Community
• City, village, rural
• Neighbor
• Physical neighborhood
• Residential, commercial
• Features have similarities

• Neighborhood, contd
• Zoning/Restrictions
• Planned
• Must fit a developers plan
• Population Composition
• ______________residents are similar to each
  other
• ______________varied
• Low density/highdensity

106
1.10 Factors to consider in the selection of a
location for living, continued

• __________piece of land on which the dwelling is
  built. Extends to the property line.
• Things to consider _______________________
• ___________
• Natural restraints______________features of lot
• Landscaping
• ____________location of the sun, prevailing
  winds, water sources, scenic view
• _______________minimum property standards
• Zones within the sitepublic, service, private

107
ACTIVITY

• Do workbook page that priorities what you would
  be interested in when choosing a site for a home.

108
1.11 Advantages and disadvantages of renting,
leasing, and buying.

• _______________
• Renting, Leasing
• _______________
• Can move easier
• Little maintenance responsibility
• Not responsible for repairs
• Total cost of housing is clearer

• _________________
• Renting, Leasing
• ________________
• No investment in or from property
• No equity in building
• Rent payments can be raised frequently
• Possibility of eviction

109
1.11 Advantages and disadvantages of renting,
leasing, and buying.

• ____________________
• Buying
• Greater stability
• Usually a good investment
• _____________________
• Investment may lead to a better home latter
• Allows creativity in décor
• Choice in space arrangement
• Fulfills the American dream

• ____________________
• Buying
• ______________
• Responsible for repairs
• Possibility of foreclosure
• _____________________
• ____________________
• Monthly housing cost is usually higher
• Cash is tied up
• Takes time to sell home
• Less mobility than renting
• Some loans allow for mortgage payment to go up
  after a time

110
Tip

• Insurance
• Renters insuranceaffordable insurance on your
  personal property, but does not pay for rental
  property
• Homeownerspays for damage to structure and
  personal property that homeowner owns

111
1.11.1 Figure the cost of housing options.

• Renting Responsibility
• Initial Costs
• Application Fee 30
• Credit Check 20
• Security Dep. 500
• Advance 725
• Total 1275
• Monthly Costs
• Rent 725
• Renters Ins. 40
• Utilities 260
• Total 1257

• Buying Responsibility
• Initial Costs
• Earnest Money 500
• Appl. And Credit Checks incl. appraisal 250
• Inspection Fee 250
• Down Payment 10,000
• Closing Cost 3250
• Total 14,250
• Monthly Costs
• Mortgage pymt 500
• Property Tax 70
• Homeowners Ins 35
• Utilities 300
• Maintenance 30
• Total 935

112
Which housing option has lower initial cost? By
how much? Renting. 12,975 What expense
accounts for the most of this difference? The
down payment What would the difference be without
this expense? 2975 Which option has the lower on
going costs? By how much? Buying. 90 Why
do you think utilities are higher for a
house? Houselarger, more exposure, washer/dryer,
yard What other resources would a homeowner be
more likely to need than a renter? Maintenance
and repair
113
1.12 Steps involved in buying a home.

• ___________________
• Evaluate
• _______________________
• Sagging roof
• Insect damage
• Cracked foundation
• ______________________
• Appraisal
• Earnest money
• inspections
• ________________________
• contingency

• -___________________
• Mortgages
• Conventional
• FHAinsured
• VA--guaranteed
• _______________________
• Abstract, general warranty deed, title insurance,
  survey
• Closing costspoints, origination fees
• Misc. feesflood insurance, property taxes,
  inspections
• ______________homeownershazards and fire

114
1.12.1 Describe the financial and legal
commitment involved in buying a home.

• __________a document that gives proof of the
  rights of ownership and possession of particular
  property.
• __________________transfers the title of the
  property to the buyer. It guarantees that the
  title is clear of any claims against it. This
  type of deed offers the greatest legal protection
  to the buyer.

115
_______________________transfers title to the
buyer, however, it only guarantees that the
seller did nothing during the time of ownership
that would impair the buyers title. ____________
_____transfers whatever interest the seller has
in the property. The buyer assumes all legal and
financial risks for the property. ____________a
pledge of property that a borrower gives to a
lender as security for the payment of
debt. _______________in event of default (not
making mortgage payments) the lender may take
property with no reimbursement to you.
116
1.13 Resources that provide assistance to
persons buying a home.

• Banks__________________ loan
• Savings and loans
• Government agencies
• ___________________
• VA (Veterans Administration)
• __________ (Federal Housing Administration)
• HUD (Housing and Urban Development)

117
Moving

• Refer to Chapter 4, page 112-116

118
1.14 Methods of moving.

• Move yourself
• Prosmore careful, know where things are, less
  expensive
• Constiring, may not have resources (truck)
• Hiring a company
• Proseasier, less stress, may insure against loss
• Consprivate items are handled by stranger, risk
  of loss of valuable, more expensive

119
1.14 Methods of moving.

• Tips
• Keep an inventory _______________ for all items
  and file claim immediately
• Check everything for _________ upon delivery
• --___________ or video for proof before move
• Pack refrigerator with newspaper, charcoal, or
  toothpaste on paper plate, or fresh, dry coffee
  in panty hose to prevent odor
• Keep jewelry and irreplaceable item with you