Download or read book Can the Poor Save written by Mark Schreiner and published by Transaction Publishers. This book was released on 2011-12-31 with total page 387 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many policymakers argue that the best poverty policy not only provides cash to the poor for subsistence but also incentives and structures that encourage long-term social and economic improvement. As part of this, they make the case for Individual Development Accounts (IDAs), a new policy proposal designed to help the poor save and to build assets. This book explores IDAs to determine their effectiveness. IDAs are matched savings accounts targeted on low-income, low-wealth individuals. Savings in IDAs are used for home ownership, post-secondary education, small business development, and other purposes. Do IDAs work? If they do, for whom? And does how an IDA is designed determine savings outcomes? This volume is the first analysis of matched savings by the poor to use data from monthly bank statements. It comes at a critical time, as debate rages over the merits of individual social security accounts. IDAs also respond to policy that is becoming more asset based and less inclusive of the poor. The authors argue for the efficacy of IDAs to counter this tendency. They find that while savings outcomes vary among participants, no characteristics (such as low income or public assistance) preclude saving. They examine effects of IDA design (the match rate, savings targets, and the use of automatic transfer) on savings results and analyze factors that influence varying rates of saving and spending over time. They conclude that financial education and other support services, though costly, improve savings performance. To address the issue of cost they suggest a two-tier system of IDA design, one with broad access and simple services and the other with targeted access and intensive services. Can the Poor Save? offers a wealth of lessons to those interested in saving and asset accumulation among the poor. It not only breaks new ground in the scientific study of savings behavior, but also offers concrete, evidence-based recommendations to improve policies designed to encourage the poor to save and how to make such policies more inclusive.
Download or read book Assets and the Poor written by Michael Sherraden and published by Routledge. This book was released on 2016-09-16 with total page 309 pages. Available in PDF, EPUB and Kindle. Book excerpt: This work proposes a new approach to welfare: a social policy that goes beyond simple income maintenance to foster individual initiative and self-sufficiency. It argues for an asset-based policy that would create a system of saving incentives through individual development accounts (IDAs) for specific purposes, such as college education, homeownership, self-employment and retirement security. In this way, low-income Americans could gain the same opportunities that middle- and upper-income citizens have to plan ahead, set aside savings and invest in a more secure future.
Download or read book A Few Thousand Dollars written by Robert E. Friedman and published by The New Press. This book was released on 2018-10-09 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: A guide to making the U.S. economy work for everyone, by a leading advocate of asset development The majority of Americans do not have a few thousand dollars to weather an unexpected illness, job loss, or accident. Most Americans, including 80 percent of people of color, are locked out of the mainstream economy, unable to add their talents, work, and dreams, unable to share in the bounty of this economy. Without a nest egg most Americans cannot invest in their future—and the future of our country—through saving, entrepreneurship, education, and homeownership. We can—and we should—do better. Longtime leader in the field of asset-building Robert E. Friedman demonstrates how a few simple policy changes would address wealth inequality—and build a better economy and a stronger country for us all. In six sharp, compelling chapters, accented by sixteen original black-and-white illustrations by Rohan Eason that present the realities of income and asset inequality and explain the needed policy interventions, Friedman addresses savings, business, education, home, and prosperity to articulate a vision for making inclusive investments without spending an additional dollar, just by transforming tax subsidies for the wealthy few into seeds for prosperity for everyone. This is an investment with a huge return: the redemption of the American promise of prosperity for all.
Download or read book Assets for the Poor written by Thomas M. Shapiro and published by Russell Sage Foundation. This book was released on 2001-05-17 with total page 404 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the past three decades, average household wealth in the United States has declined among all but the richest families, with a near 80 percent drop among the nation's poorest families. Although the national debate about inequality has focused on income, it is wealth—the private assets amassed and passed on within families—that provides the extra economic cushion needed to move beyond mere day-to-day survival. Assets for the Poor is the first full-scale investigation into the importance of family wealth and the need for policies to encourage asset-building among the poor. Assets for the Poor shows how institutional mechanisms designed to encourage acquisition of capital and property favor middle-class and high-income families. For example, the aggregate value of home mortgage tax deductions far outweighs the dollar amount of the subsidies provided by Section 8 rental vouchers and public housing. Banking definitions of creditworthiness largely exclude minorities, and welfare rules have made it nearly impossible for single mothers to accumulate savings, let alone stocks or real estate. Due to persistent residential segregation, even those minority families who do own homes are often denied equal access to better schools and public services. The research in this volume shows that the poor do make use of the assets they have. Cash gifts—although small in size—are frequent within families and often lead to such positive results as homebuying and debt reduction, while tangible assets such as tools and cars help increase employment prospects. Assets for the Poor examines policies such as Individual Development Account tax subsidies to reward financial savings among the poor, and more liberal credit rules to make borrowing easier and less costly. The contributors also offer thoughtful advice for bringing the poor into mainstream savings institutions and warn against developing asset building policies at the expense of existing safety net programs. Asset-building for low-income families is a powerful idea that offers hope to families searching for a way out of poverty. Assets for the Poor challenges current thinking regarding poverty reduction policies and proposes a major shift in the way we think about families and how they make a better life. A Volume in the Ford Foundation Series on Asset Building
Download or read book The Temporary Assistance for Needy Families TANF Block Grant written by Gene Falk and published by . This book was released on 2012-11-22 with total page 25 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Understanding the Emotional Disorders written by David Watson and published by Oxford University Press. This book was released on 2017-03-23 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: Improving the measurement of symptoms of emotional disorders has been an important goal of mental health research. In direct response to this need, the Expanded Version of the Inventory of Depression and Anxiety Symptoms (IDAS-II) was developed to assess symptom dimensions underlying psychological disorders. Unlike other scales that serve as screening instruments used for diagnostic purposes, the IDAS-II is not closely tethered to the Diagnostic and Statistical Manual of Mental Disorders (DSM); rather, its scales cut across DSM boundaries to examine psychopathology in a dimensional rather than a categorical way. Developed by authors David Watson and Michael O'Hara, the IDAS-II has broad implications for our understanding of psychopathology. Understanding the Emotional Disorders is the first manual for how to use the IDAS-II and examines important, replicable symptom dimensions contained within five adjacent diagnostic classes in the DSM-5: depressive disorders, bipolar and related disorders, anxiety disorders, obsessive-compulsive and related disorders, and trauma- and stressor-related disorders. It reviews problems and limitations associated with traditional, diagnosis-based approaches to studying psychopathology and establishes the theoretical and clinical value of analyzing specific types of symptoms within the emotional disorders. It demonstrates that several of these disorders contain multiple symptom dimensions that clearly can be differentiated from one another. Moreover, these symptom dimensions are highly robust and generalizable and can be identified in multiple types of data, including self-ratings, semi-structured interviews, and clinicians' ratings. Furthermore, individual symptom dimensions often have strikingly different correlates, such as varying levels of criterion validity, incremental predictive power, and diagnostic specificity. Consequently, it is more informative to examine these specific types of symptoms, rather than the broader disorders. The book concludes with the development of a more comprehensive, symptom-based model that subsumes various forms of psychopathology-including sleep disturbances, eating- and weight-related problems, personality pathology, psychosis/thought disorder, and hypochondriasis-beyond the emotional disorders.
Download or read book Savings and Asset Accumulation in Individual Development Accounts written by and published by . This book was released on 2001 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Saving Patterns in Individual Development Account Programs written by and published by . This book was released on 2000 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Poverty of Welfare written by Michael Tanner and published by Cato Institute. This book was released on 2003 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 1996 Welfare Reform Act was the most significant changes in social welfare policy in nearly 30 years. The Poverty of Welfare examines the impact of that reform, looking at the context of welfare's history, and concludes that while welfare reform was a step in the right direction, we have a long way to go to fix the deeply troubled system.
Download or read book Inclusion in the American Dream written by Michael Sherraden and published by Oxford University Press. This book was released on 2005-07-21 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inclusion in the American Dream brings together leading scholars and policy experts on the topic of asset building, particularly as this relates to public policy. The typical American household accumulates most of its assets in home equity and retirement accounts, both of which are subsidized through the tax system. But the poor, for the most part, do not participate in these asset accumulation policies. The challenge is to expand the asset-based policy structure so that everyone is included.
Download or read book Potential for Marriage Development Accounts in the District of Columbia written by United States. Congress. Senate. Committee on Appropriations. Subcommittee on District of Columbia and published by . This book was released on 2006 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Privatizing the Polity written by Holona LeAnne Ochs and published by State University of New York Press. This book was released on 2015-08-04 with total page 332 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research on poverty and research on governance currently exist as largely disparate literatures without a framework for building knowledge regarding how policies and practices compare as poverty alleviation strategies. In Privatizing the Polity, Holona LeAnne Ochs examines the evolution of the governance of welfare programs across the United States. Throughout the political spectrum the trend in recent decades has been towards welfare privatization, shifting the boundaries of poverty governance from public to private actors—whether they are foundations or social entrepreneurs—whose interests in poverty governance are more obscure. The analysis of more than eighteen years of data suggests that strategies of devolution and privatization make it more difficult for people to move out of poverty. At the same time the framework for understanding the governance structures, enactment practices, and social wealth leverage presented in Privatizing the Polity offers numerous opportunities for acquiring a deeper understanding of assumptions formerly taken for granted and redirecting the system to enhance poverty alleviation.
Download or read book Potential for Marriage Development Accounts in the District of Columbia written by United States. Congress. Senate. Committee on Appropriations. Subcommittee on District of Columbia and published by DIANE Publishing. This book was released on 2006 with total page 77 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Rural Housing and Economic Development written by Don E. Albrecht and published by Routledge. This book was released on 2017-12-01 with total page 349 pages. Available in PDF, EPUB and Kindle. Book excerpt: Housing is crucial to the quality of life and wellbeing for individuals and familes, but the availability of adequate or affordable housing also plays a vital role in community economic development. Rural areas face a substantial disadvantage compared to urban areas in regard to housing, and this book explores these issues. Rural Housing and Economic Development includes chapters from nationally known experts from throughout the U.S. to provide insight to help understand and address the difficult housing concerns within rural areas. The chapters cover a variety of issues including housing for rural minorities, the extent of and problems associated with mobile home dwelling, the extent to which affordable rental housing is available in rural areas, the rapidly growing elderly population, and the housing consequences of rapid population and economic growth associated with energy development. The authors not only describe various housing problems, but also suggest policy approaches to more effectively address them. This book will be a vital resource to policy makers at the local, state or national level as they grapple with difficult rural housing problems. Researchers and professionals dealing with housing issues will also benefit from the insights of these experts while the book will also be appropriate for upper level undergraduates or graduate students in courses on housing or economic development.
Download or read book Understanding SSI Supplemental Security Income written by and published by DIANE Publishing. This book was released on 1998-03 with total page 65 pages. Available in PDF, EPUB and Kindle. Book excerpt: This publication informs advocates & others in interested agencies & organizations about supplemental security income (SSI) eligibility requirements & processes. It will assist you in helping people apply for, establish eligibility for, & continue to receive SSI benefits for as long as they remain eligible. This publication can also be used as a training manual & as a reference tool. Discusses those who are blind or disabled, living arrangements, overpayments, the appeals process, application process, eligibility requirements, SSI resources, documents you will need when you apply, work incentives, & much more.
Download or read book The Changing Disability Policy System written by Rune Halvorsen and published by Routledge. This book was released on 2017-04-28 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: Being an ‘active citizen’ involves exercising social rights and duties, enjoying choice and autonomy, and participating in political decision-making processes which are of importance for one’s life. Amid the new challenges facing contemporary welfare states, debate over just how ‘active’ citizens can and ought to be has redoubled. Presenting research from the first major comparative and cross-national study of active citizenship and disability in Europe, this book analyses the consequences of ongoing changes in Europe – what opportunities do persons with disabilities have to exercise Active Citizenship? The Changing Disability Policy System: Active Citizenship and Disability in Europe Volume 1 approaches the conditions for Active Citizenship from a macro perspective in order to capture the impact of the overall disability policy system. This system takes diverse and changing forms in the nine European countries under study. Central to the analysis are issues of coherence and coordination between three subsystems of the disability policy system, and between levels of governance. This book identifies the implications and policy lessons of the findings for future disability policy in Europe and beyond. It will appeal to policymakers and policy officials, as well as to researchers and students of disability studies, comparative social policy, international disability law and qualitative research methods.
Download or read book Best Practices for Social Work with Refugees and Immigrants written by Miriam Potocky and published by Columbia University Press. This book was released on 2002-04-24 with total page 515 pages. Available in PDF, EPUB and Kindle. Book excerpt: Social work practice with refugees and immigrants requires specialized knowledge of these populations, and specialized adaptations and applications of mainstream services and interventions. Because they are often confronted with cultural, linguistic, political, and socioeconomic barriers, these groups are especially vulnerable to psychological problems. Among these problems are anxiety, depression, alienation, grief, even post-traumatic stress disorder, as well as biological concerns stemming from inadequate or underutilized medical services. Best Practices for Social Work with Refugees and Immigrants is the first book to offer a comprehensive guide to social work with foreign-born clients that evaluates many different strategies in light of their methodological strengths and weaknesses. Part I sets forth the context for empirically based service approaches to such clients by describing the nature of these populations, relevant policies designed to assist them, and service delivery systems. Part II addresses specific problem areas common to refugees and immigrants and evaluates a variety of assessment and intervention techniques for each area. Maintaining a rigorous empirical and broadly pan-cultural approach throughout, Miriam Potocky-Tripodi seeks to identify the most practical, "best practices" to meet the various and pressing needs of uprooted peoples.
