In the five years since Money for Everyone was published the idea of a Citizen’s Basic Income has rocketed in interest to an idea whose time has come. In moving the debate on from the desirability of a basic income this fully updated and revised edition now includes comprehensive discussions on feasibility and implementation. Using the consultation undertaken by the Institute of Chartered Accountants in England and Wales as a basis, Torry examines a number of implementation methods for Citizen’s Basic Income and considers the cost implications. Including real-life examples from the UK, and data from case studies and pilots in Alaska, Namibia, India, Iran and elsewhere, this is the essential research-based introduction to the Citizen’s Basic Income.

A Brookings Institution Press and Harvard University Joint Center for Housing Studies publication Poor people spend their money living day to day. How can they accumulate wealth? In the United States, homeownership is often the answer. Homes not only provide shelter but also are assets, and thus a means to create equity. Mortgage credit becomes a crucial factor. More Americans than ever now have some access to credit. However. thanks in large part to the growth of global capital markets and greater use of "credit scores," not all homeowners have benefited equally from the opened spigots. Different terms and conditions mean that some applicants are overpaying for mortgage credit, while some are getting in over their heads. And the door is left wide open for predatory lenders. In this important new volume, accomplished analysts examine the situation, illustrate its ramifications, and recommend steps to improve it. Today, low-income Americans have more access to credit than ever before. The challenge is to increase the chances that homeownership becomes the new pathway to asset-building that everyone hopes it will be.