Home Improvement Loans and Grants | Health Impact in 5 Years | Health System Transformation | AD for Policy

What are home improvement loans and grant interventions?

Home improvement loan and grant programs provide funding for low-income families to repair their homes, make improvements, and remove health and safety hazards.[1] These programs can be one part of a broader home or housing improvement initiative or focused on specific issues such as heating and insulation, lead, or mold.[1] The purpose of the intervention is to enable low-income homeowners to improve the safety and habitability of their homes.

These home improvement loan and grant programs can be implemented at the local, state, or federal levels.[1] Examples of states using these types of programs include Maryland and Minnesota. Maryland’s Department of Housing and Community Development administers the EmPOWER Low Income Energy Efficiency Program, which assists low-income homeowners in making household improvements that reduce energy use and may improve air quality.[2] Minnesota’s Housing Finance Agency administers a Rehabilitation Loan/Emergency and Accessibility Loan Program with the stated purpose of “assisting low-income homeowners in financing basic home improvements that directly affect the safety, habitability, energy efficiency, or accessibility of their homes.”[3] Federal programs that facilitate the provision of loans or grants to homeowners for repairs and improvements include the U.S. Department of Agriculture’s Single Family Housing Repair Loans & Grants program[4], and the U.S. Department of Housing and Urban Development’s Rehabilitation Mortgage Insurance program.[5]

A group of illustrations of lungs, a doctor with a stethoscope, a dog, a dustmite, an inhaler, a building, a breathing machine (nebulizer), a nose with mucous dripping out of one nostril, a person coughing into their hand

CDC’s EXHALEpdf icon package features evidence-based strategies to improve asthma control and reduce healthcare costs, including policy information about home weatherization assistance programs.

What is the public health issue?

Many internal housing conditions, such as temperature, dampness, the presence of lead paint, and other safety hazards, can influence health.[6, 7] Lower income families are at a higher risk for living in unhealthy housing conditions.[7] The Environmental Protection Agency found that Americans spend on average 87 percent of their time indoors, almost 69 percent of which is in a residence.[8] Evidence shows that one primary health outcome associated with housing is respiratory health.[9] Cold and damp conditions within the home may lead to or worsen respiratory health issues. [6, 9] In 2004, the Institute of Medicine (IOM) found that there was sufficient evidence to link indoor exposure to mold with upper respiratory tract symptoms, coughing, and wheezing in otherwise healthy people; with asthma symptoms in people with asthma; and with hypersensitivity pneumonitis in individuals susceptible to that immune-mediated condition. The IOM also found suggestive evidence linking indoor mold exposure and respiratory illness in otherwise healthy children.[10]

What is the evidence of health impact and cost effectiveness?

Home improvements that address warmth and energy efficiency, such as weatherization to improve insulation, air quality, and dampness, have been most strongly associated with health benefits, particularly where household members suffer from existing chronic respiratory disease.[11] Multiple systematic reviews and studies examining the evidence for the impact of home improvement interventions on health found

  • Improvement in general health status [11-15]
  • Improvement in respiratory health[11, 12, 14, 15]
  • Improvement in mental
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School board continues to defend transgender bathroom policy

Updated

GLOUCESTER, Va. (AP) — A school board in Virginia will continue to defend its transgender bathroom ban in federal court.

The Daily Press reported Thursday that the Gloucester School Board has asked a full federal appeals court to review the long-running lawsuit filed by former student Gavin Grimm.

The request comes after two federal courts have sided with Grimm and called the school board’s policy discriminatory and unconstitutional. The policy required Grimm to use restrooms that corresponded with his biological sex – female – or use private bathrooms.

A federal court in Norfolk ruled against the school board last year. And a three-judge panel with the 4th Circuit Court of Appeals in Richmond ruled against the school board last month.

The board is now requesting a full hearing at the appeals court. Such hearings are granted less than 1 percent of the time. That could mean that the next stop for the case is the U.S. Supreme Court.



The school board said in its filing that its policy “treats all students equally, and is substantially related to the important objective of protecting student privacy.”

Source Article

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2020 election: Mucarsel-Powell, Gimenez differ on policy

When Miami-Dade Mayor Carlos Gimenez walked inside the Homestead Detention Center last year during the height of the national controversy over the Trump administration’s family separation policy on immigration, he made a point of speaking to the children alone and in Spanish.

“What I found in that shelter — there was nothing going on there that would make me feel ashamed to be an American,” Gimenez, a Republican who is now running for the House of Representatives, said in a recent interview.

Rep. Debbie Mucarsel-Powell, Gimenez’s opponent in the November election, had a very different experience.

“I visited the Homestead Detention Center multiple times, and each time it broke my heart,” said Mucarsel-Powell, a Democrat who currently holds the Miami District 26 congressional seat. “The facility felt very much like a prison built for child immigrants: high fences, guards, and constant monitoring.”

From immigration to gun control, Mucarsel-Powell and Gimenez view the world differently. But while Mucarsel-Powell’s beliefs on healthcare, climate change and foreign policy are well-known after two years in Congress, Gimenez — a career administrator occupying a non-partisan post — has spent relatively little time publicly discussing his priorities during his first-ever partisan campaign. In a 45-minute interview with the Miami Herald last week, about two months before the Nov. 3 election, he detailed his stances on a number of federal policy issues.

Gimenez, 66, said he won’t stray far from prevailing Republican policies such as opposing Obamacare, voting against gun control legislation or funding a wall at the U.S.-Mexico border. But the two-term mayor with President Trump’s endorsement — who has presided over the county’s pandemic response to mixed reviews — said he’ll be focused most on the economy.

I believe the No. 1 thing the country needs right now is the restoration of the economy,” Gimenez said, when asked what would be his top priority if elected. He cited cutting taxes as one way to help achieve that.

“We need sensible tax policy that incentivizes investment by the private sector,” Gimenez said, arguing that the post-COVID economy will depend on rapid job gains in the private sector. “I don’t believe the public sector is the place to seek employment.”

Mucarsel-Powell’s top priority if elected to a second term is similar. She cited the need “to get control of this pandemic with a clear and effective plan, so we can send our kids back to school, reopen our small businesses, and allow our tourism economy to rebound.”

Mucarsel-Powell, 49, is a one-term incumbent occupying a Democratic-leaning seat. Endorsed by Democratic presidential nominee Joe Biden, she’s been a reliable vote for her party’s leadership in Congress, though many ambitious bills she voted for had no prospect of becoming law with Republicans controlling the U.S. Senate.

The race is expected to be close, especially as Trump appears to be performing better with Latino voters in Miami-Dade than he did in 2016, and 67 percent of the congressional district’s eligible voters are Latino. Mucarsel-Powell has an advantage in

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House Insurance Comparison: Overview of Factors That Affect Rates & How You Can Choose a Policy

As with any type of insurance, you are probably interested in getting the best possible deal on home insurance. Thankfully, there are tools that make it possible to not only search for policies, but to do house insurance comparison with multiple quotes to find the best one for you.

For some homeowners, price matters more than anything. This should not be the case, though, since overall value is more important than cheap rates. Consider both the premiums and deductibles. Think about the rebuilding costs of your home. How much will it cost to literally replace everything is your home and property is utterly destroyed? The current value of your home and the rebuilding price will not be the same. Try to estimate how much you will be able to afford to pay in deductibles in the worst case scenario and keep that in mind when doing house insurance comparison.

Here are some of the factors that affect the insurance quotes you will get:

• Home’s type of construction and age

• Location

• Credit score

• Deductible

• Certain risk factors (swimming pool, trampoline, aggressive dog breeds, etc… )

• Claims history

• Roofing material

• The yard / property / landscape

Older homes have a higher chance of something going wrong regarding the electric wiring, plumbing, HVAC systems, ceiling, and construction in general.

House Insurance Comparison of Coverage Types

There are certain things that general home insurance policies don’t cover. Make sure you know exactly what is covered and what isn’t before you make your choice. Sometimes it is the matter of gaps in the coverage, where the policy owner thought they were protected but either had incorrect or insufficient coverage. Such issues can be avoided by carefully reading over the terms of each quote you are provided with.

Flood insurance, for instance, isn’t always covered in basic policies. If you live in an older home and have concerns about plumbing, or live near a body of water, this is something you will definitely want to think about. All it takes is a few inches of water to utterly destroy your flooring and some of your furniture. Even a small stream can become a raging river if there is enough rain.

Discounts are sometimes available, especially if you install safety and security equipment.

Where can you get started with house insurance comparison? All you have to do is look into the unique insurance platform set up by Lemonade. It even has a neat AI bot that will help craft the perfect insurance for you. Get affordable, reasonable rates – especially if you use Lemonade House Insurance discounts.…

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