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Full-Text Articles in Social Work
Creative Partnerships Between Gear Up And State College Savings Plans: Experience And Policy Potential, Margaret M. Clancy, Rebekah Miller
Creative Partnerships Between Gear Up And State College Savings Plans: Experience And Policy Potential, Margaret M. Clancy, Rebekah Miller
Center for Social Development Research
This brief provides examples of how GEAR UP and state College Savings Plans are working together to provide information and resources to low-income and at-risk students. To illustrate experience and potential, the Center for Social Development documents and assesses four existing partnerships between College Savings Plans and GEAR UP. State-level experiences to date suggest several policy implications.
Determinants Of Asset Building, Sondra G. Beverly, Michael Sherraden, Min Zhan, Trina R. Williams Shanks, Yunju Nam, Reid Cramer
Determinants Of Asset Building, Sondra G. Beverly, Michael Sherraden, Min Zhan, Trina R. Williams Shanks, Yunju Nam, Reid Cramer
Center for Social Development Research
Determinants of Asset Building
Parental Assets: A Pathway To Positive Child Educational Outcomes, Michal Grinstein-Weiss, Yeong H. Yeo, Kate Irish, Min Zhan
Parental Assets: A Pathway To Positive Child Educational Outcomes, Michal Grinstein-Weiss, Yeong H. Yeo, Kate Irish, Min Zhan
Center for Social Development Research
A growing body of evidence suggests parental assets have positive effects on children’s well-being. Using 2004 data from the Survey of Income and Program Participation, this study tests the effect of parental asset holding on child educational outcomes, and explores whether this relationship is mediated by parental involvement and expectations. Results indicate that assets are a significant predictor of all child academic outcomes of our study, however income is not a significant predictor for school outcomes when controlling for assets. The mediation analyses show the effect of assets on school outcomes is mediated by two of the three parenting measures: …
Raising Parent Expectations: Can Wealth And Parent College Accounts Help?, William Elliott Iii, Kristen Wagner
Raising Parent Expectations: Can Wealth And Parent College Accounts Help?, William Elliott Iii, Kristen Wagner
Center for Social Development Research
For many children, especially minority and low-income children, attending college is a genuinely desired but elusive goal. Research on aspirations and expectations provides a way to understand the gap between what children desire and what they actually expect to happen. This study examines the potential role of children’s college accounts (CCAs) as a way to reduce the gap between aspirations and expectations among at-risk children. I find that only 39 percent of children without savings for college expect to attend college; there is an aspirations/expectations gap of 41 percentage points among children with CCAs. Moreover, children with a CCA are …
Vita Sites: Linking Tax Returns And Asset Building Strategies In Indian Country, Kristen Wagner, Karen Edwards, Amy Locklear Hertel, Miriam Jorgensen, Dana Klar
Vita Sites: Linking Tax Returns And Asset Building Strategies In Indian Country, Kristen Wagner, Karen Edwards, Amy Locklear Hertel, Miriam Jorgensen, Dana Klar
Center for Social Development Research
On an individual and family basis, the Earned Income Tax Credit (EITC) has important poverty alleviation characteristics. Few populations or places in the United States are as needful of the dollars provided by EITC receipt as Indian Country. The receipt of EITC will not alleviate poverty in Indian Country alone, but can be a viable start by providing thousands of dollars to families in Native communities. During the two years this project has been underway, more than 9,000 tax returns have been filed at 14 Voluntary Income Tax Assistance (VITA) sites serving Indian Country. The study examined the number of …
Increasing Parent Educational Expectations For Children In Sub-Saharan Africa: The Potential Role Of Assets, Gina Chowa, William Elliott Iii
Increasing Parent Educational Expectations For Children In Sub-Saharan Africa: The Potential Role Of Assets, Gina Chowa, William Elliott Iii
Center for Social Development Research
It is commonly held in the education literature that parent expectations are an important factor in predicting children’s achievement in school. However, little research has been conducted on educational expectations of parents living in developing countries. In this study of Ugandans we examine whether parents save more when they are given access to Asset Development Accounts (ADAs) and financial training than parents receiving financial training but no ADAs, and/or parents with no ADA or financial training. We find that Ugandan parents who receive both an ADA and financial training experience an increase in mean wealth of US$77.4 over a two …
The Balance Sheets Of Low-Income Households: What We Know About Their Assets And Liabilities., Adam Carasso, Signe-Mary Mckernan
The Balance Sheets Of Low-Income Households: What We Know About Their Assets And Liabilities., Adam Carasso, Signe-Mary Mckernan
Center for Social Development Research
The Balance Sheets of Low-Income Households: What We Know About Their Assets and Liabilities.
College Expectations Among Young Children: The Potential Role Of Savings, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Suzanne Johnson, Signe Peterson
College Expectations Among Young Children: The Potential Role Of Savings, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Suzanne Johnson, Signe Peterson
Center for Social Development Research
For many young people, especially minority and low-income children, attending college is a genuinely desired but elusive goal. This paper explores young children’s perceptions and expectations about attending college and potential influences on their formation. Conducted as part of a four-year study of a school-based saving for college program, this paper uses qualitative evidence from interviews with 60 children in second grade, and surveys with their parents. Findings suggest most of the young children in the study have a general understanding of college and have begun the process of choosing higher education. Further, the perception that saving is a way …
The Achievement Gap From A Capabilities And Asset Perspective, William Elliott Iii, Margaret Sherrard Sherraden
The Achievement Gap From A Capabilities And Asset Perspective, William Elliott Iii, Margaret Sherrard Sherraden
Center for Social Development Research
Current explanations for the achievement gap do not fully explain why high-achieving poor and minority children perceive of college as being out of reach. This paper reviews perspectives on the achievement gap and proposes a model that incorporates a capabilities and assets approach. The uneven playing field created by unequal distribution of assets sustains educational advantage and high expectations for college among children from families with assets, while dampening expectations for college among poor and minority children. As a possible avenue to closing the gap, we suggest that increasing poor and minority children’s capability for financing college may increase educational …
State Policy Options For Building Assets, Leslie Parrish, Heather Mcculloch, Karen Edwards
State Policy Options For Building Assets, Leslie Parrish, Heather Mcculloch, Karen Edwards
Center for Social Development Research
State Policy Options for Building Assets
Asset-Building In Rural Communities: The Experience Of Individual Asset Accounts, Michal Grinstein-Weiss, Jami Curley
Asset-Building In Rural Communities: The Experience Of Individual Asset Accounts, Michal Grinstein-Weiss, Jami Curley
Center for Social Development Research
Similar to the beginning of many new eras, the dawning of the 21st century has brought new opportunities as well as new challenges to the stability of our economy. New technology offers more efficient methods of production while the continuing influence of globalization increases market availability for our goods. Yet, when a region has a hard time transitioning to a new economy, the challenges produced by these changes are often overwhelming and can create hardship. Rural America is currently facing many of the difficulties associated with these changing economies, thus affecting their current economic sustainability and development. The industry base …
Mutual Wealth In Rural America, E. G. Nadeau, Elisabeth Howard
Mutual Wealth In Rural America, E. G. Nadeau, Elisabeth Howard
Center for Social Development Research
This essay contends that mutual wealth in rural America, particularly related to the use of land and other natural resources, has undergone three major paradigm shifts in the last 500 years, and may be at the threshold of a fourth. First, from the early 1500s to about 1800, European diseases and conquest destroyed the elaborate management systems for agriculture, forests, game, and other natural resources developed by North American Indians. Second, from the early 1500s to the early 1900s, European and white American settlers, induced by offers of land, repopulated the continent primarily with small and medium-sized farms and ranches. …
Asset-Building Programs For People With Disabilities In Rural Areas: Including Independent Living And Long-Term Care Planning Education, Michelle Putnam, Fengyan Tang
Asset-Building Programs For People With Disabilities In Rural Areas: Including Independent Living And Long-Term Care Planning Education, Michelle Putnam, Fengyan Tang
Center for Social Development Research
This paper presents findings from a case study of individuals with multiple sclerosis examining their planning and preparation activities for their future independent living and long-term care needs. Data collected from a representative sample of National Multiple Sclerosis Society members in the greater metropolitan St. Louis and eastern Illinois area indicate significant differences in income, assets, education, health and functional limitation status between individuals living in rural versus urban areas. Additionally, findings show respondents with greater levels of education and assets, and those living in urban areas, are more likely to have saved for retirement, made legal preparations, or engaged …
Examples Of Successful Wealth Building In Rural Areas, Jean Schumacher, Ann Ulmer
Examples Of Successful Wealth Building In Rural Areas, Jean Schumacher, Ann Ulmer
Center for Social Development Research
The purpose of this paper is to describe successful examples of wealth building in rural areas through the mechanism of individual development accounts (IDAs). a review of available literature, supplemented by a limited survey of selected programs, provides an overview of the issues associated with operating IDA programs in rural America, a set of ‘action factors’ that help define success, and some initial observations on rural IDA programs. an appendix gives details on each of the selected programs. This paper is one of a series on wealth building in rural America.
Way To Give: A Guide To Connecting, Giving And Asset Building, Stephanie C. Boddie, Prema Thirupathy
Way To Give: A Guide To Connecting, Giving And Asset Building, Stephanie C. Boddie, Prema Thirupathy
Center for Social Development Research
Way to Give: A Guide to Connecting, Giving and Asset Building
Family Saving And Community Assets: Designing And Implementing Family-Centered, Place-Based Individual Development Account Programs, Stephanie C. Boddie, Michael Sherraden, Lorlene Hoyt, Prema Thirupathy, Trina Shanks, Solana Rice, Margaret Sherraden
Family Saving And Community Assets: Designing And Implementing Family-Centered, Place-Based Individual Development Account Programs, Stephanie C. Boddie, Michael Sherraden, Lorlene Hoyt, Prema Thirupathy, Trina Shanks, Solana Rice, Margaret Sherraden
Center for Social Development Research
Family Saving and Community Assets: Designing and Implementing Family-Centered, Place-Based Individual Development Account Programs
Asset Building: Increasing Capacity For Performance Measurement And Effects+B200, Amanda Moore Mcbride, Stacie Lintvedt Hanson, Sondra Beverly, Mark Schreiner, Michael Sherraden, Lissa Johnson
Asset Building: Increasing Capacity For Performance Measurement And Effects+B200, Amanda Moore Mcbride, Stacie Lintvedt Hanson, Sondra Beverly, Mark Schreiner, Michael Sherraden, Lissa Johnson
Center for Social Development Research
Asset Building: Increasing Capacity for Performance Measurement and Effects
State Ida Policy Brief: Promoting Asset Building Through The Earned Income Tax Credit, Center For Social Development, Corporation For Enterprise Development
State Ida Policy Brief: Promoting Asset Building Through The Earned Income Tax Credit, Center For Social Development, Corporation For Enterprise Development
Center for Social Development Research
State IDA Policy Brief: Promoting Asset Building Through the Earned Income Tax Credit
Using Tax Refunds To Promote Asset Building In Low-Income Households: Program And Policy Options, Sondra G. Beverly, Colleen Dailey
Using Tax Refunds To Promote Asset Building In Low-Income Households: Program And Policy Options, Sondra G. Beverly, Colleen Dailey
Center for Social Development Research
Using Tax Refunds to Promote Asset Building in Low-Income Households: Program and Policy Options
Family Assets For Independence In Minnesota, Michal Grinstein-Weiss, Mark Schreiner, Margaret Clancy, Michael Sherraden
Family Assets For Independence In Minnesota, Michal Grinstein-Weiss, Mark Schreiner, Margaret Clancy, Michael Sherraden
Center for Social Development Research
Family Assets for Independence in Minnesota
Savings And Asset Accumulation In Individual Development Accounts, Mark Schreiner, Michael Sherraden, Margaret Clancy, Lissa Johnson, Jami Curley, Michal Grinstein-Weiss, Min Zhan, Sondra Beverly
Savings And Asset Accumulation In Individual Development Accounts, Mark Schreiner, Michael Sherraden, Margaret Clancy, Lissa Johnson, Jami Curley, Michal Grinstein-Weiss, Min Zhan, Sondra Beverly
Center for Social Development Research
Savings and Asset Accumulation in Individual Development Accounts
A Framework Of Asset-Accumulation Stages And Strategies, Sondra Beverly, Amanda Moore, Mark Schreiner
A Framework Of Asset-Accumulation Stages And Strategies, Sondra Beverly, Amanda Moore, Mark Schreiner
Center for Social Development Research
We propose that asset accumulation occurs in three stages. In the first stage (reallocation), current resource inflows must exceed current outflows. To meet this objective, people reallocate resources from current consumption, current leisure, or future consumption or leisure. In the second stage (conversion), people may convert resources from liquid to illiquid forms. In the third stage (maintenance), individuals resist temptations to dissave. We suggest that people adopt psychological and behavioral strategies to achieve each of these objectives. Putting the two types of strategies together with the three stages of asset accumulation results in six strategy groups. We provide examples of …
Family Matters: Kin Networks And Asset Accumulation, Ngina Chiteji, Darrick Hamilton
Family Matters: Kin Networks And Asset Accumulation, Ngina Chiteji, Darrick Hamilton
Center for Social Development Research
Family Matters: Kin Networks and Asset Accumulation
Saving And Asset-Accumulation Strategies Used By Low-Income Individuals, Amanda Moore Mcbride, Sondra Beverly, Michael Sherraden, Margaret Sherraden, Lissa Johnson, Mark Schreiner
Saving And Asset-Accumulation Strategies Used By Low-Income Individuals, Amanda Moore Mcbride, Sondra Beverly, Michael Sherraden, Margaret Sherraden, Lissa Johnson, Mark Schreiner
Center for Social Development Research
This paper presents quantitative and qualitative data regarding the saving and asset-accumulation strategies used by low-income participants in Individual Development Account programs(IDAs). the results of a cross-sectional survey with 298 IDA participants and case studies with 15 IDA participants—the first methods that assessed saving behavior among this population—demonstrate that low-income individuals use psychological and behavioral strategies to save, deposit, and maintain assets. the most frequentlyused strategies are behavioral saving strategiesfor increasing the efficiency of spending (e.g., shopping more carefully for food) and for reducing consumption (e.g., spending less on leisure). Qualitative results indicate that individuals also use goals and mental …