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Financial Outcomes In Seed For Oklahoma Kids, Margaret M. Clancy, Sondra G. Beverly, Michael Sherraden Jun 2016

Financial Outcomes In Seed For Oklahoma Kids, Margaret M. Clancy, Sondra G. Beverly, Michael Sherraden

Center for Social Development Research

The SEED for Oklahoma Kids (SEED OK) experiment is a large-scale policy test of universal, automatic, and progressive Child Development Accounts (CDAs). This fact sheet highlights selected SEED OK financial outcomes measured between 2007 and 2014. Because of SEED OK’s automatic account opening and initial deposits, the CDA has especially large impacts on OK 529 savings among disadvantaged children. Advantaged children are more likely than disadvantaged children to have individual savings in OK 529 accounts, and average individual savings are higher for advantaged children. But, the CDA increases the likelihood that disadvantaged children have OK 529 accounts opened by ...


A Savings Account For Every Child Born In Israel: Recommendations For Program Implementation, Michal Grinstein-Weiss, Meredith Covington, Margaret M. Clancy, Michael Sherraden Apr 2016

A Savings Account For Every Child Born In Israel: Recommendations For Program Implementation, Michal Grinstein-Weiss, Meredith Covington, Margaret M. Clancy, Michael Sherraden

Center for Social Development Research

In November 2015, Israel enacted legislation to create and fund a Child Development Account program. Beginning in 2017, every baby born to an insured Israeli resident will receive a Child Development Account in his or her name. This brief details the policy, which was developed in collaboration with researchers at the Center for Social Development, and offers recommendations to guide its implementation.


Support For A Tax-Time Savings Policy: Interest In Deferring Tax Refunds With Matched Incentives, Dana C. Perantie, Jane E. Oliphant, Michal Grinstein-Weiss Jan 2016

Support For A Tax-Time Savings Policy: Interest In Deferring Tax Refunds With Matched Incentives, Dana C. Perantie, Jane E. Oliphant, Michal Grinstein-Weiss

Center for Social Development Research

Support for a Tax-Time Savings Policy: Interest in Deferring Tax Refunds With Matched Incentives


The Seed For Oklahoma Kids Child Development Account Experiment: Accounts, Assets, Earnings, And Savings, Sondra G. Beverly, Margaret M. Clancy, Jin Huang, Michael Sherraden Sep 2015

The Seed For Oklahoma Kids Child Development Account Experiment: Accounts, Assets, Earnings, And Savings, Sondra G. Beverly, Margaret M. Clancy, Jin Huang, Michael Sherraden

Center for Social Development Research

This brief presents the latest results from SEED for Oklahoma Kids, a pathbreaking randomized experiment to test the effects of automatic, universal, and progressive Child Development Accounts (CDAs) in a statewide sample. Key features of the CDA are automatic opening of a 529 account and an automatic initial $1,000 deposit. The results show that CDAs with automatic deposits invested in a 529 plan may enable children to accumulate meaningful levels of assets over time, even if their families do not contribute to the accounts. As the brief indicates, the new results also have key implications for public policy.


Closing The Racial Wealth Gap: Innovative Solutions For Change, Southern Regional Asset Building Coalition Feb 2015

Closing The Racial Wealth Gap: Innovative Solutions For Change, Southern Regional Asset Building Coalition

Center for Social Development Research

Closing the Racial Wealth Gap: Innovative Solutions for Change


Research Summary: Testing Universal College Savings Accounts At Birth: Early Research From Seed For Oklahoma Kids, Sondra G. Beverly, Margaret M. Clancy, Michael Sherraden Apr 2014

Research Summary: Testing Universal College Savings Accounts At Birth: Early Research From Seed For Oklahoma Kids, Sondra G. Beverly, Margaret M. Clancy, Michael Sherraden

Center for Social Development Research

SEED for Oklahoma Kids is a large-scale policy test of automatic and progressive Child Development Accounts (CDAs), and it is the first truly universal model in the United States. The SEED OK CDA is universal in that it opens an Oklahoma 529 College Savings Plan (OK 529) account on behalf of every infant in the treatment group. This report summarizes key findings and conclusions from SEED for Oklahoma Kids research. Even at this early stage, SEED OK research is informing policy and the design of college savings plans at the state level. Amore recent summary of SEED OK research is ...


Child Development Accounts And College Success: Accounts, Assets, Expectations, And Achievements, Sondra G. Beverly, William Elliott, Michael Sherraden Nov 2013

Child Development Accounts And College Success: Accounts, Assets, Expectations, And Achievements, Sondra G. Beverly, William Elliott, Michael Sherraden

Center for Social Development Research

Child Development Accounts (CDAs) can contribute to financial preparation for college and the development of a college-bound identity in multiple ways and so increase the likelihood of college success. The pathways from CDAs to college success proposed in this paper are grounded in theory and evidence, but more research on the impact of CDAs is needed.


The Impact Of Family Assets And Debt On College Graduation, Min Zhan, Deidre Lanesskog Oct 2013

The Impact Of Family Assets And Debt On College Graduation, Min Zhan, Deidre Lanesskog

Center for Social Development Research

The Impact of Family Assets and Debt on College Graduation


Seed For Oklahoma Kids: Experimental Test Of A Policy Innovation In A Full Population, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Michael Sherraden Oct 2013

Seed For Oklahoma Kids: Experimental Test Of A Policy Innovation In A Full Population, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Michael Sherraden

Center for Social Development Research

The Center for Social Development at Washington University in St. Louis has implemented an ambitious policy demonstration: SEED for Oklahoma Kids (SEED OK). This initiative uses multiple research methods, including a scientific experiment in a full population, to test a policy innovation. The innovation is providing a Child Development Account (CDA) to all children at birth. In SEED OK, randomly selected newborn children in Oklahoma received a college savings account “seeded” with a $1,000 initial deposit, plus additional components of the SEED OK intervention. This case study describes the multiyear process of designing and implementing SEED OK and sheds ...


Research Evidence On The Cyfi Model Of Children And Youth As Economic Citizens, Margaret S. Sherraden, David Ansong Apr 2013

Research Evidence On The Cyfi Model Of Children And Youth As Economic Citizens, Margaret S. Sherraden, David Ansong

Center for Social Development Research

Research Evidence on the CYFI Model of Children and Youth as Economic Citizens


Conceptual Development Of The Cyfi Model Of Children And Youth As Economic Citizens, Margaret S. Sherraden, David Ansong Apr 2013

Conceptual Development Of The Cyfi Model Of Children And Youth As Economic Citizens, Margaret S. Sherraden, David Ansong

Center for Social Development Research

Conceptual Development of the CYFI Model of Children and Youth as Economic Citizens


Youth-Related Policies, Center For Social Development, Institute For Statistical, Social, And Economic Research, Kenya Institute For Public Policy Research And Analysis, New Era; Universidad De Los Andes Apr 2012

Youth-Related Policies, Center For Social Development, Institute For Statistical, Social, And Economic Research, Kenya Institute For Public Policy Research And Analysis, New Era; Universidad De Los Andes

Center for Social Development Research

Youth-Related Policies


Challenges And Opportunities For Youth Saving, Center For Social Development, Kenya Institute For Public Policy Research And Analysis, Institute For Statistical, Social, And Economic Research, New Era; Universidad De Los Andes Apr 2012

Challenges And Opportunities For Youth Saving, Center For Social Development, Kenya Institute For Public Policy Research And Analysis, Institute For Statistical, Social, And Economic Research, New Era; Universidad De Los Andes

Center for Social Development Research

Challenges and Opportunities for Youth Saving


Inquiry, Innovation, & Impact: Report To The Community, Center For Social Development Feb 2011

Inquiry, Innovation, & Impact: Report To The Community, Center For Social Development

Center for Social Development Research

Inquiry, Innovation, & Impact: Report to the Community


Closing The Wealth Gap: Promoting Change By Working Together, Jennifer Heffern, Aja Riley Feb 2011

Closing The Wealth Gap: Promoting Change By Working Together, Jennifer Heffern, Aja Riley

Center for Social Development Research

Closing the Wealth Gap: Promoting Change by Working Together


Lessons From Seed: A National Demonstration Of Child Development Accounts, Michael Sherraden, Julia Stevens, Deborah Adams, Ray Boshara, Margaret Clancy, Reid Cramer, Bob Friedman, Rochelle Howard, Karol Krotki, Ellen Marks, Lisa Mensah, Bryan Rhodes, Carl Rist, Edward Scanlon, Trina Williams Shanks, Michael Sherraden, Julia Stevens, Leigh Tivol, Robert Zager Sep 2010

Lessons From Seed: A National Demonstration Of Child Development Accounts, Michael Sherraden, Julia Stevens, Deborah Adams, Ray Boshara, Margaret Clancy, Reid Cramer, Bob Friedman, Rochelle Howard, Karol Krotki, Ellen Marks, Lisa Mensah, Bryan Rhodes, Carl Rist, Edward Scanlon, Trina Williams Shanks, Michael Sherraden, Julia Stevens, Leigh Tivol, Robert Zager

Center for Social Development Research

Lessons From SEED: A National Demonstration of Child Development Accounts


Saving For Post-Secondary Education In American Indian Communities, Amy Locklear Hertel, Mary Elizabeth Jäger Jul 2010

Saving For Post-Secondary Education In American Indian Communities, Amy Locklear Hertel, Mary Elizabeth Jäger

Center for Social Development Research

Saving for Post-Secondary Education in American Indian Communities


The Basics Of Progressive 529s, Center For Social Development Jun 2010

The Basics Of Progressive 529s, Center For Social Development

Center for Social Development Research

The Basics of Progressive 529s


Five Low-Cost Ideas To Help Families Save For College, Margaret M. Clancy, David Newville May 2009

Five Low-Cost Ideas To Help Families Save For College, Margaret M. Clancy, David Newville

Center for Social Development Research

Improvements to the 529 platform could increase the number of low- and moderate-income families saving in 529s and make it easier for these families to build assets for education. These reforms include large initiatives, such as coordinating existing higher education tax credits and financial aid with 529s, as well as small initiatives to increase savings. This document contains several low-cost, simple reforms for 529s at the federal level. These would be important first steps for enabling more low- and moderate-income students to complete higher education.


Ida Evaluation Handbook: A Practical Guide And Tools For Evaluation Of Pioneering Ida Projects, Michael Sherraden, Deborah Page-Adams, Shirley Emerson, Sondra Beverly, Edward Scanlon, Li-Chen Cheng, Margaret S. Sherraden, Lissa Johnson Jan 2009

Ida Evaluation Handbook: A Practical Guide And Tools For Evaluation Of Pioneering Ida Projects, Michael Sherraden, Deborah Page-Adams, Shirley Emerson, Sondra Beverly, Edward Scanlon, Li-Chen Cheng, Margaret S. Sherraden, Lissa Johnson

Center for Social Development Research

This IDA Evaluation Handbook is designed as a practical guide with tools for emergent, pioneering IDA (Individual Development Accounts) projects. The goal of this Handbook is to promote early evaluations of IDAs and learn as much as possible from each project.


Reforming 529 College Savings Plans To Better Reach Low-Income Families, Margaret Clancy, Leslie Parrish Jul 2006

Reforming 529 College Savings Plans To Better Reach Low-Income Families, Margaret Clancy, Leslie Parrish

Center for Social Development Research

Reforming 529 College Savings Plans to Better Reach Low-Income Families


College Savings Plans: A Platform For Inclusive Saving Policy?, Margaret M. Clancy, Peter Orszag, Michael Sherraden Jul 2004

College Savings Plans: A Platform For Inclusive Saving Policy?, Margaret M. Clancy, Peter Orszag, Michael Sherraden

Center for Social Development Research

College Savings Plans: A Platform for Inclusive Saving Policy?


Recommendations From The Field: Individual Development Accounts As Part Of A Universal Asset-Building System, Robert O. Zdenek, Beverly Stein Jul 2003

Recommendations From The Field: Individual Development Accounts As Part Of A Universal Asset-Building System, Robert O. Zdenek, Beverly Stein

Center for Social Development Research

Recommendations From the Field: Individual Development Accounts as Part of a Universal Asset-Building System


The Potential For Inclusion In 529 Savings Plans: Report On A Survey Of States, Margaret Clancy, Michael Sherraden Jul 2003

The Potential For Inclusion In 529 Savings Plans: Report On A Survey Of States, Margaret Clancy, Michael Sherraden

Center for Social Development Research

The Potential for Inclusion in 529 Savings Plans: Report on a Survey of States


Going To Scale: Principles And Policy Options For An Inclusive Asset-Building Policy, Robert Friedman, Ray Boshara Jul 2000

Going To Scale: Principles And Policy Options For An Inclusive Asset-Building Policy, Robert Friedman, Ray Boshara

Center for Social Development Research

Going to Scale: Principles and Policy Options for an Inclusive Asset-Building Policy


The Universal Piggy Bank: Designing And Implementing A System Of Savings Accounts For Children, Fred T. Goldberg Jr., Jodi Birk Cohen Jul 2000

The Universal Piggy Bank: Designing And Implementing A System Of Savings Accounts For Children, Fred T. Goldberg Jr., Jodi Birk Cohen

Center for Social Development Research

The Universal Piggy Bank: Designing and Implementing a System of Savings Accounts for Children


Toward Progressive Pensions: A Summary Of The U.S. Pension System And Proposals For Reform, Peter Orszag, Robert Greenstein Jul 2000

Toward Progressive Pensions: A Summary Of The U.S. Pension System And Proposals For Reform, Peter Orszag, Robert Greenstein

Center for Social Development Research

Toward Progressive Pensions: A Summary of the U.S. Pension System and Proposals for Reform