Housing affordability: the use and misuse of reverse mortgages by older households. Many retirees are without compulsory superannuation although daily living costs have risen substantially. As additional workers in the 'baby boom' generation retire and less tax will be paid to the government, it appears there will be increasing pressure placed on the pension system. A large proportion of the population may struggle to enjoy a fulfilling retirement and be drawn towards a reverse mortgage, which ....Housing affordability: the use and misuse of reverse mortgages by older households. Many retirees are without compulsory superannuation although daily living costs have risen substantially. As additional workers in the 'baby boom' generation retire and less tax will be paid to the government, it appears there will be increasing pressure placed on the pension system. A large proportion of the population may struggle to enjoy a fulfilling retirement and be drawn towards a reverse mortgage, which in turn may be misunderstood. With an increasing proportion of older residents leaving the workforce, the community would be adversely affected if this cohort required government financial assistance due to the misuse of home equity loans.Read moreRead less
Measurement and explanation of family change in Australia in comparative perspective: a longitudinal approach. As other similar countries are now well-advanced in the use of longitudinal analysis of family change, the Australian research proposed here will provide a better comparative view of the efficacy of Australian policies and programs related to families. Policy based on static analysis is more limited because it conceives people's family lives as being static where the reality is dynamic. ....Measurement and explanation of family change in Australia in comparative perspective: a longitudinal approach. As other similar countries are now well-advanced in the use of longitudinal analysis of family change, the Australian research proposed here will provide a better comparative view of the efficacy of Australian policies and programs related to families. Policy based on static analysis is more limited because it conceives people's family lives as being static where the reality is dynamic. We have little understanding of the causes and consequences of this dynamism in Australia. Such an understanding is essential if policy is to enable people to make choices that lead to positive pathways to self reliance and supportive family structures.Read moreRead less