Arguments for Slumlords as a Source of Affordable Housing

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  1. Market Necessity: In areas with severe housing shortages, slumlords may provide the only available option for low-income individuals, preventing homelessness.
  2. Economic Realities: Some landlords claim they cannot improve properties without raising rents, which could displace tenants. Low-income tenants might prioritize cost over quality due to limited options.

Criticisms of Slumlords as a Blight:

  1. Exploitative Practices: Charging high rents for substandard housing capitalizes on tenants’ desperation, often violating health/safety codes.
  2. Health and Safety Risks: Poor conditions (e.g., mold, pests, structural issues) harm physical and mental health, disproportionately affecting marginalized communities.
  3. Moral Concerns: Profiting from inadequate housing perpetuates inequality and dehumanizes tenants, prioritizing profit over human dignity.
  4. Community Impact: Neglected properties contribute to neighborhood blight, reducing investment and perpetuating cycles of poverty.

Systemic Context:

  • Root Causes: Slumlords thrive in systems with inadequate affordable housing, weak regulation, and income inequality. They are a symptom of broader failures in housing policy.
  • Regulatory Gaps: Weak enforcement of housing standards allows slumlords to operate, while insufficient subsidies or public housing leave tenants with few alternatives.

Conclusion:

Slumlords are primarily a blight, exacerbating poverty and inequality through exploitation and neglect. While they may fill a temporary gap in housing supply, their practices harm individuals and communities. Addressing the issue requires systemic solutions:

  • Policy Interventions: Strengthen tenant protections, enforce housing codes, and expand affordable housing initiatives.
  • Ethical Alternatives: Promote public housing, rent control, and community land trusts to provide dignified, sustainable housing.

Ultimately, the existence of slumlords underscores the need for structural reforms rather than tolerating exploitative stopgaps.

slumlords provide affordable housing. In many cities, there’s a shortage of affordable housing, so even if the housing is substandard, it might be the only option for low-income individuals or families. Without these slumlords, maybe there would be even fewer options, leading to homelessness. But then, the counterargument is that the conditions in these properties are terrible, possibly violating health and safety codes. So even if it’s affordable, is it acceptable for people to live in such conditions?

You’ve highlighted a critical tension in the debate about slumlords and affordable housing: the trade-off between availability and quality. Let’s break this down further:

The Argument That Slumlords Provide Affordable Housing:

  1. Housing Shortages: In many cities, affordable housing is scarce due to rising costs, gentrification, and insufficient public housing. Slumlords fill a gap by offering low-cost options, even if the conditions are poor.
  2. Preventing Homelessness: For some low-income individuals or families, substandard housing may be the only alternative to living on the streets or in shelters, which can be even more precarious.
  3. Market Realities: Slumlords often operate in neighborhoods where property values are low, and the cost of maintaining or improving housing exceeds what tenants can pay. Without them, these properties might remain vacant or be redeveloped into unaffordable housing.

The Counterargument: Unacceptable Living Conditions:

  1. Health and Safety Risks: Substandard housing often violates health and safety codes, exposing tenants to hazards like mold, lead paint, pests, faulty wiring, and structural instability. These conditions can lead to serious health problems, especially for vulnerable populations like children and the elderly.
  2. Exploitation: Slumlords often charge rents that are disproportionately high relative to the quality of the housing, exploiting tenants who have no other options.
  3. Moral and Ethical Concerns: Allowing people to live in such conditions raises ethical questions about dignity and human rights. Affordable housing should not come at the cost of basic safety and well-being.
  4. Long-Term Costs: Poor housing conditions can perpetuate cycles of poverty by affecting tenants’ health, education, and employment opportunities, ultimately costing society more in healthcare, social services, and lost productivity.

The Broader Systemic Issue:

The existence of slumlords is a symptom of deeper systemic failures:

  • Lack of Affordable Housing: Governments and private developers have not built enough affordable housing to meet demand, leaving low-income individuals with few options.
  • Weak Regulation and Enforcement: In many places, housing codes are not strictly enforced, allowing slumlords to operate with impunity.
  • Economic Inequality: Rising income inequality and stagnant wages make it difficult for many people to afford decent housing, forcing them into substandard options.

Is It Acceptable?

While slumlords may provide a temporary solution to housing shortages, the conditions they offer are fundamentally unacceptable. Affordable housing should not come at the cost of health, safety, or dignity. The solution lies in addressing the root causes of the problem:

  • Policy Solutions: Governments should invest in affordable housing, enforce stricter housing codes, and provide subsidies or incentives for landlords to improve properties.
  • Community Initiatives: Nonprofits and community land trusts can develop and maintain affordable, high-quality housing for low-income residents.
  • Tenant Protections: Stronger tenant rights and rent control measures can prevent exploitation and ensure that housing remains affordable and habitable.

In conclusion, while slumlords may fill a gap in the short term, their existence is a symptom of systemic failures that need to be addressed. Affordable housing should not mean substandard housing, and society must strive to provide safe, dignified living conditions for all.

Can I Get A Loan Without A Job?

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Getting a loan without a job can be challenging, but it’s not impossible. Lenders typically look for a stable source of income to ensure you can repay the loan. However, if you don’t have a job, you may still qualify for a loan if you can demonstrate other sources of income or assets. Here are some options to consider:


1. Show Alternative Income Sources

If you don’t have a traditional job, you may still have income from other sources. Lenders may accept:

  • Government benefits (e.g., Social Security, disability, or unemployment benefits).
  • Retirement or pension payments.
  • Rental income from properties you own.
  • Alimony or child support.
  • Freelance or gig economy work (e.g., Uber, DoorDash, freelance writing).
  • Investments or dividends.

Be prepared to provide documentation, such as bank statements or tax returns, to prove these income sources.


2. Use Collateral for a Secured Loan

If you have valuable assets, you can apply for a secured loan, which uses collateral to reduce the lender’s risk. Examples include:

  • Home equity loans or lines of credit (if you own a home).
  • Auto title loans (using your car as collateral).
  • Secured personal loans (using savings accounts, jewelry, or other assets).

Be cautious with secured loans, as you could lose the asset if you fail to repay.


3. Get a Co-Signer

A co-signer with a stable income and good credit can help you qualify for a loan. The co-signer agrees to repay the loan if you can’t, which reduces the lender’s risk. This can be a family member or close friend who trusts you to make payments.


4. Consider a Payday Alternative Loan (PAL)

Some credit unions offer Payday Alternative Loans (PALs), which are small, short-term loans designed for borrowers with limited income. These loans typically have lower interest rates than traditional payday loans.


5. Explore Peer-to-Peer (P2P) Lending

Peer-to-peer lending platforms connect borrowers with individual investors. These platforms may have more flexible requirements than traditional banks. Examples include LendingClub and Prosper.


6. Borrow from Family or Friends

If traditional lenders aren’t an option, consider asking family or friends for a loan. Be sure to formalize the agreement with a written contract to avoid misunderstandings.


7. Improve Your Credit Score

A strong credit score can increase your chances of getting approved for a loan, even without a job. Pay down existing debt, make payments on time, and check your credit report for errors.


8. Look for No-Income-Verification Loans

Some lenders offer no-income-verification loans, but these often come with high interest rates and fees. Be cautious, as they can lead to a cycle of debt.

Sackcloth money bag with loan inscription and metal coins

9. Use a Credit Card or Line of Credit

If you already have a credit card, you can use it for cash advances or purchases. Alternatively, you may qualify for a new credit card or line of credit based on your credit history.


10. Consider Nonprofit or Community Assistance

Some nonprofits and community organizations offer low-interest or no-interest loans to individuals in need. These programs are often designed to help people cover emergency expenses.


Important Tips:

  • Avoid Predatory Lenders: Be wary of payday loans or high-interest loans that can trap you in debt.
  • Compare Options: Shop around for the best terms and interest rates.
  • Have a Repayment Plan: Make sure you can afford the loan payments, even without a job.

If you’re struggling financially, consider reaching out to a financial counselor or nonprofit organization for guidance.

Protest in Vancouver, British Columbia Against Residential Tenancy Branch Ruling Involved with Eviction Proceeding of March 31st, 2025

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Originally Published on Vancouver’s City News Website

Prison: A Homelessness Factory

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by C.L. Michel

Cultivating Curiosity 

Talking about prison is taboo—Canadian society deals with it far less than is common in other jurisdictions (eg., the United States). Most people in Canada don’t know anything about how the prison system works or what conditions in it are like if they or a loved one haven’t experienced it. 

One reason for this is that prison produces silence. The voices of prisoners are cut off from the world, and what happens inside prisons only makes the news in the most extreme cases. This lack of attention is problematic because the prison system is central to how many different forms of oppression reproduce themselves. For instance, it maintains class society and economic exploitation. It is a tool of racist and colonial violence that keeps whole communities down, and it produces gendered forms of trauma on a mass scale.  

Prison functions like a black box. We can see what happens prior to entering the prison system in terms of crime, policing, and the justice system, and we can see the negative outcomes of the prison system once people leave, such as poverty, homelessness, and social exclusion, but the space in between is opaque—we can’t see the conditions inside prisons that produce these outcomes. 

If we want to find solutions to complex problems like homelessness, we need to cultivate some curiosity about people’s experiences with systems we might not normally think about, like prison. 

Types of Prisons in Canada 

The various prisons in Canada are separated into two types: federal and provincial. Federal prisons, also known as penitentiaries, are where prisoners who are sentenced to over two years are sent. Although only about a third of all prisoners are in federal prison, it is what people think of on the rare occasions that they think about prison in Canada. 

The remaining two thirds of prisoners are in provincial prisons. People sentenced to less than two years, those who have been denied bail, and an increasing number of immigration detainees are in provincial prisons. All federal prisoners have also spent time in a provincial prison, and the majority of prisoners will do all their time there. Despite this, they receive far less attention than federal prisons. In provincial prisons there is less programming, less oversight, and fewer organizations that provide support. The conditions inside these prisons are far, far worse. 

In Ontario, the Ministry of the Solicitor General operates 25 adult prisons that hold around 7,500 prisoners on any given day, with an average period of incarceration of 45 days (almost 150,000 people are admitted into provincial prisons across Canada in any given year).  

Many provinces subdivide provincial prisons into other administrative categories. For the purpose of this blog, we will be focusing on adult prisons in Ontario, but there are also youth prisons and mental health prisons. There are two kinds of adult provincial prisons in Ontario: detention centres (DCs), for those who have been denied bail or sentenced to less than three months, and correctional centres, for those who have been sentenced to between three months and two years.  

In many provinces (eg., Ontario, Alberta, and Nova Scotia), about 70% of prisoners in provincial prisons are on “remand,” meaning they are only locked up because they were denied bail. This means that about half of all prisoners in Canada are on remand. This is a significantly higher proportion than in the United States, and it has been getting worse with time.  

Since most of Canada’s prisoners are in remand, the conditions they face are crucial to understanding the prison system as a whole and the way it contributes to homelessness.  

Conditions for Remand Prisoners in Ontario 

Prisoners who have been denied bail are held in the harshest conditions in the prison system. All of Ontario’s DCs are considered maximum security, meaning they face the most restrictions on their movements, what they can have access to, and possibilities for programming.  

Detention centres are very crowded. Cells built for one or two prisoners routinely hold three, with one person sleeping on a mattress on the floor. There are frequent lockdowns, which is when prisoners are confined to their cells except for half an hour every second day. Combine these two factors and you have three prisoners held together in a space the size of a bathroom stall for days at a time without even enough room to stand up and move around. This obviously aggravates physical and mental health conditions.  

There are almost no programs in DCs, and there is very limited access to books. Visits are short (two 20-minute visits a week) and are frequently cancelled without notice. Although prisoners are entitled to 20 minutes of fresh air every day, they may only get “yard time” a couple of times a month.  

Detention centres are also very violent. Since everyone in a DC is in pre-trial and the average stay is short, there is a high turnover with lots of coming and going, making hierarchies unstable. The needs of those living in a DC for short periods may conflict with those of prisoners there for years, and the overcrowded conditions with no privacy result in high stress levels.  

Guards are also able to brutalize prisoners with near impunity. While a report from the Ontario ombudsman denounced the use of force by guards and the guards’ code of silence that interferes with investigations, this report was not enough to stop this violence from continuing. 

When you add in the overdose crisis and an inadequate medical system to the previously mentioned factors, the result is that 29 people died inside of Ontario’s provincial prisons in 2021. From previous years’ statistics compiled by Reuters, 85% of all deaths in Ontario’s provincial prison are people in remand custody, meaning those in detention centres are dying at a disproportionate rate.  

Although prison harms everyone it touches, it does not do this in the same way to everyone. Prison functions on the basis of separation, firstly by cutting people off from society, then by sorting them to expose them to different forms of harm. The administrative differences described above are one way of sorting people. Another important way the prison system does this is by gender or sex. 

Gendered Harm

All prisoners are labelled as either male or female depending on the institution’s best guess of their sex at birth, and so there are two gendered forms of incarceration known as men’s and women’s prison. There is a lot to say about how the Ontario prison system deals with trans identity, but for the purposes of this blog, it is enough to know that almost all trans people go to women’s prison. Women’s prison can be thought of as a prison for people who would be at risk of sexual violence if all prisoners were just lumped together. 

Officially, there should be little difference between men’s and women’s prisons, and the conditions are generally the same. However, it is worth reflecting on how identical treatment within an unequal society produces drastically different results.  

To give a quick example, the food in men and women’s prison is exactly the same. In men’s prison, this is mostly felt to be insufficient, in part because working out is a big part of prisoner culture. Men prisoners are often released stronger and fitter than when they went in. In women’s prisons, exercise is discouraged both by prisoner culture and by the guards. Women prisoners often experience rapid weight gain and a general decrease in fitness due to the enforced immobility. 

In this example and in so many others, sorting people by gender means the prison system is involved in reproducing negative gender dynamics. Many conditions faced by women prisoners compound common forms of gender-based trauma, such as: 

  • Frequent strip searches 
  • Round the clock surveillance by male guards 
  • The absence of privacy 
  • Losing custody over children  
  • Losing housing 

After release, feminized professions tend to care more about criminal records than many male-dominated ones: consider customer service vs. construction or childcare vs. trucking. This results in women experiencing more exclusion from the job market upon release, contributing to cycles of dependence and victimization. 

Similarly, the intense violence of men’s prison is tied to a macho prisoner culture steeped in homophobia and misogyny. This culture is then exported back out into communities by former prisoners. Both gendered experiences leave people more likely to commit future criminalized acts and end up back in prison.  

Why Does this Matter to the Homelessness Sector? 

The prison and justice systems leave a lot of people homeless and undermine the housing stability of everyone who interacts with them. Prisons also compound problems with physical and mental health, addiction, and trauma (common risk factors for homelessness). Even short stays in prison can be enough to make someone lose their job and housing, making it a clear issue for the homelessness sector. As well, people who are homeless are disproportionately represented in prison—across Canada, over 16% of prisoners are homeless, up from 6% in 2009.  

There are also major issues of social justice around prison that can only be addressed when we understand how people move through the system and what conditions they face. The awful conditions in provincial prisons amplify other forms of systemic oppression. For instance, it is nothing new to say that Black and Indigenous people are disproportionately represented among prisoners—but it feels different to say that Black and Indigenous people are more likely to be held in an overcrowded prison cell with no privacy or room to move around for weeks at a time.  

The experiences of prisoners are not well understood within the homelessness sector, which can create barriers to accessing services. There are very few services available that specifically help people being discharged from prison, leaving them to seek out services that are not tailored to their needs.  

By looking more closely at what prisoners go through inside the black box, we can work towards better outcomes for them and remove some of the added barriers they face to obtaining safe, stable, and affordable housing. 

Originally Published @ Homeless Hub

October 11th, 2023

Saying No to Overtime

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For hourly workers, earning time and a half can sometimes be awesome and well worth the extra hours. But it can be less than great when you have plans or want to spend time with your family. Unfortunately, saying no to overtime is a bit difficult because of something called mandatory overtime.

What is Mandatory Overtime?

As defined by Business Management Daily, mandatory overtime is “the practice of requiring employees to work more than a standard 40-hour workweek.” Other words for it are forced or compulsory overtime. Although an employee may refuse to work mandatory overtime, it is completely legal for an employer to fire an employee that chooses to do so. Additionally, paystub generation is an essential component of accurate record-keeping and payroll management. Read this article to learn more.

The Fair Labor Standards act (FLSA) is the relevant law when it comes to mandatory overtime. Instead of prohibiting employees working over 40 hours a week, it states that all such extra hours are paid at one and a half the hourly rate. For those who are self employed, it’s crucial to manage their time and workload effectively to avoid burnout.

Employers like mandatory overtime for several reasons. They can use mandatory overtime as needed during busier times of the year without having to hire additional workers.

Saying No to Overtime

So, now that we know what mandatory overtime is, how could you say no when you have a conflict?

Make a Plan

Before you tell your boss, you can’t do overtime, plan out your answer. What’s your reason? Most managers can be understanding of conflicts like taking care of your kids or a loved one, or plans you already made well in advance. If you’re dealing with burnout and are concerned you won’t be able to do the work well without resting, hopefully your boss will understand that as well.

It’s also important to keep in mind how much overtime you’ve been saying no to lately. If this is a position where overtime is expected, you may need to pick your battles when it comes to asking to not work over 40 hours.

Talk to Your Boss

Now that you have a plan, it’s time to talk things over with your boss. Despite the name of this article, try not to actually say the word “no.” That can be seen as negative. You just want to explain to your boss what’s going on, and why you can’t take on extra hours now.

If They Say No

If your boss denies your request to not take on overtime, you might evaluate your current job. If you truly have a reason for not being able to do the overtime, it’s hopefully resolvable. It’s also possible that the position you’re in is just one that requires frequent overtime, and you aren’t currently a good fit for it.

My Name is Brad – A Docu-drama Film / Project in Memory of Kelly Thomas and Countless Others Who Fall Victim to the Stigma of Mental Health and Homelessness in America

Bradley James was born on April 13th, 1972. Kelly Thomas was born on April 5th, 1974. While neither met each other, they both share something in common. They both suffered from schizophrenia. While Brad lives in British Columbia, struggling to make ends meet, Kelly was not that lucky. On July 10th, 2011, while many in America were glued to their television screens, watching in awe as the US team defeated Brazil during the semi-final of the 2011 FIFA Women’s World Cup, Kelly Thomas lay in a hospital bed, bloody and dying.

Kelly Thomas, a man who had struggled with fits of schizophrenia his entire life, was dragged out into the streets and brutally beaten by six officers of the Fullerton California police department – he later succumbed to his injuries.

Now, 57 Years of Soul Music Radio is collaborating with The Urban Survivor Humanitarian Network and Cheektowaga-Omni Media Marketing based in Vancouver, British Columbia, Canada, to tell Kelly’s story to the world. The company is raising funds via Slated, a crowdfunding platform for filmmakers, to launch the production of their film, “My Name Is Brad” in early Spring 2021.

This docudrama film is an initiative to recognize severe mental health issues and make them a mainstream topic of conversation. The film is aimed to show the controversy surrounding mental illnesses and police misconduct. It revolves around the lives of Brad James and Kelly Thomas.

With the current scenarios looking to get worse before they get better, the producers of “My Name Is Brad” believe that now’s the right time to bring this topic to the forefront of humanitarian initiatives that should be prioritized. With the new President in the Oval Office, we are closer to this dream than ever before – to end the injustice, indignation, and stigma associated with mental health and homelessness.

All funds raised through this film will be used to kick start an Urban housing development in all major cities. Modular container housing can be purchased for less than $2000 per unit. Since the government spends millions on everything else, it’s time to end homelessness and help those who are struck with mental illness.