Create an analytical question and answer in regards to the article

How do Differences in Foreclosure on Neighborhood Reflect on Wealth Distribution?
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How do Differences in Foreclosure on Neighborhood Reflect on Wealth Distribution?
From the article by Kaplan and Sommers (2009), the situation of foreclosure in Summit County is a reflection of inequity in wealth distribution in the County. In this context, the case extends from affecting people to having notable differences on the problem of foreclosure for people in the same neighborhood (Kaplan & Sommers, 2009). Indeed, the dissimilarities arise from the racial and social composition. Foreclosure affects people who are unable to meet their financial needs with regards to the payment of houses and other regional dynamics. Now, if the fiscal constraint is the pillar to the persistence of the problem, it is worth to identify how the racial and social aspects relate to economic disparities on the affected population. Therefore, from reading Kaplan and Sommers (2009) research paper, one can answer the question “how do differences in foreclosure on neighborhood reflect on wealth distribution,” accordingly. In this essay, differences in foreclosure on neighborhood reflect on wealth distributions in terms of employment, access to employment as well as assistance from financial institutions.
Employment is a major determinant for the access to financial resources for most people. If unemployment rates are high, it would be absolute that the cases of foreclosure would increase relatively.

According to different studies, a high rate of unemployment puts individuals in situations of bankruptcy that limit their ability to meet monthly demands (Kaplan & Sommers, 2009). From this argument, the situation of financial access and employment opportunities seems to be oppressing some groups while favoring others. For that reason, this situation is the fundamental aspect for economic disparity for the minority groups and discriminated access to resources.
Similarly, wealth distribution is affected by the access to employment. If a group of people is discriminated on social or racial grounds, it becomes challenging to access loans and meet their obligations for the financial institutions (Kaplan & Sommers, 2009). In this case, the situation becomes problematic in that some groups thrive in the economy while others remain oppressed.
To some extent, the financial institutions could be striving to help individuals to substitute their earning for purchasing houses. One of these situations is the use of subprime lending that caters for the low-income earners who might be identified to be in a position of economic misfortune (Kaplan & Sommers, 2009). However, it is still problematic, in that the low access to the lending limits the potential to purchase property in the short run. Indeed, it subjects the minority groups to buying houses in suburb areas.

Reference
Kaplan, D. H., & Sommers, G. G. (2009). An analysis of the relationship between housing foreclosures, lending practices, and neighborhood ecology: Evidence from a distressed county. The Professional Geographer, 61(1), 101-120.