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OE Insights

Utilizing Categorical Outcomes Modeling To Determine The Likelihood of Aging Alone

6/3/2026

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According to a recent Wall Street Journal article, a growing number of adults aged 50 and older are living alone. This is a trend that has various policy implications at the local, state, and federal level. To determine if this trend is held at the state and local level, I developed a program to compile data for the state of North Carolina and for Mecklenburg County, NC, which includes the City of Charlotte. Categorical outcome models were then developed to determine the likelihood of a person aged 50 or older living alone in North Carolina overall and in Mecklenburg County, by sex and martial status, which are summarized in the four charts to the right.
​A visual examination of the charts illustrates how only the likelihood of living alone differs by sex, marital status, as well as by state and locality. To receive a detailed summary of the models’ results in the near future, which will provide more content to the summary charts, you can connect with Obsidian Econometrics on LinkedIn. 
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Determining their potential risk of "zombie loans" to local economies

4/27/2026

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The Issue: Finance companies are taking advantage of a relaxed regulatory environment to pursue “zombie” mortgage loans, i.e., 2nd mortgages that were previously written off by the original lender. These companies pay pennies on the dollar for the rights to these loans and pursue the borrowers for the unpaid principle and accrued interest.

The Problem for zombie loans borrowers: An increased financial burden in an economy already impacted by slow economic growth, geopolitical uncertainty, and escalated inflation of  goods and services.


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    About  OE Insights

    Applied econometric  methods and strategies on economic and socioeconomic issues of interest

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