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Home Delinquency Rates Are Lower Among Aca Marketplace Households: Evidence From A Natural Experiment, Emily A. Gallagher, Radhakrishnan Gopalon, Michal Grinstein-Weiss, Stephen P. Roll, Genevieve Davison Dec 2016

Home Delinquency Rates Are Lower Among Aca Marketplace Households: Evidence From A Natural Experiment, Emily A. Gallagher, Radhakrishnan Gopalon, Michal Grinstein-Weiss, Stephen P. Roll, Genevieve Davison

Center for Social Development Research

This brief uses administrative income tax data coupled with survey responses from roughly 5,000 households living near the poverty line to estimate how access to the Affordable Care Act’s health insurance Marketplaces have affected households’ experiences of extreme illiquidity, which is measured by delinquencies on home payments. To estimate this relationship, we exploit a natural experiment underway in states that did not expand Medicaid and created by the eligibility rules for Marketplace subsidies. Results suggest that insured households living near the poverty line are better able to make timely rent and mortgage payments compared with similar, uninsured households. Given housing …


Indoor Scene Localization To Fight Sex Trafficking In Hotels, Abigail Stylianou Dec 2016

Indoor Scene Localization To Fight Sex Trafficking In Hotels, Abigail Stylianou

McKelvey School of Engineering Graduate Student Theses & Dissertations

Images are key to fighting sex trafficking. They are: (a) used to advertise for sex services,(b) shared among criminal networks, and (c) connect a person in an image to the place where the image was taken. This work explores the ability to link images to indoor places in order to support the investigation and prosecution of sex trafficking. We propose and develop a framework that includes a database of open-source information available on the Internet, a crowd-sourcing approach to gathering additional images, and explore a variety of matching approaches based both on hand-tuned features such as SIFT and learned features …


International Child Development Accounts, Michael Sherraden, Li-Chen Cheng, Fred M. Ssewamala, Youngmi Kim, Vernon Loke, Li Zou, Gina Chowa, David Ansong, Lissa Johnson, Yung Soo Lee, Michal Grinstein-Weiss, Margaret M. Clancy, Jin Huang, Sondra G. Beverly, Yunju Nam, Chang-Keun Han Oct 2016

International Child Development Accounts, Michael Sherraden, Li-Chen Cheng, Fred M. Ssewamala, Youngmi Kim, Vernon Loke, Li Zou, Gina Chowa, David Ansong, Lissa Johnson, Yung Soo Lee, Michal Grinstein-Weiss, Margaret M. Clancy, Jin Huang, Sondra G. Beverly, Yunju Nam, Chang-Keun Han

Center for Social Development Research

This Working Paper has been submitted for inclusion in the new online edition of theEncyclopedia of Social Work, which is published by Oxford University Press. The paper discusses efforts to implement Child Development Accounts in the United States and numerous other countries. Child Development Accounts (CDAs) are subsidized savings or investment accounts to help people accumulate assets for developmental purposes and life course needs. They are envisioned as universal (everyone participates), progressive (greater subsidies for the poor), and potentially lifelong national policy. These features distinguish CDAs from most existing asset-building policies and programs around the world, which are typically regressive, …


Asset Building: Toward Inclusive Policy, Michael Sherraden, Lissa Johnson, Margaret Clancy, Sondra G. Beverly, Margaret S. Sherraden, Mark Schreiner, William Elliott Iii, Trina Shanks William, Deborah Adams, Jami C. Curley, Jin Huang, Michal Grinstein-Weiss, Yunju Nam, Min Zhan, Chang-Kuen Han Oct 2016

Asset Building: Toward Inclusive Policy, Michael Sherraden, Lissa Johnson, Margaret Clancy, Sondra G. Beverly, Margaret S. Sherraden, Mark Schreiner, William Elliott Iii, Trina Shanks William, Deborah Adams, Jami C. Curley, Jin Huang, Michal Grinstein-Weiss, Yunju Nam, Min Zhan, Chang-Kuen Han

Center for Social Development Research

This Working Paper has been submitted for inclusion in theEncyclopedia of Social Work's new online edition, which is published by Oxford University Press. Since 1991, a new policy discussion has arisen in the United States and other countries, focusing on building assets as a complement to traditional social policy based on income. In fact, asset-based policy already existed (and still exists) in the United States, with large public subsidies. But the policy is regressive, benefiting the rich far more than the poor. The goal should be a universal, progressive, and lifelong asset-based policy. One promising pathway may be Child Development …


Policy Innovation For Children And Families, Mark Greenberg Oct 2016

Policy Innovation For Children And Families, Mark Greenberg

Center for Social Development Research

This Perspective presents remarks delivered by Acting Assistant Secretary Mark H. Greenberg during Social Innovation for America’s Renewal, a September 2016 policy conference of the Grand Challenges for Social Work initiative. The conference was organized by the Center for Social Development at Washington University in collaboration with the American Academy of Social Work & Social Welfare.


Financial Anxiety In Low- And Moderate-Income Households: Findings From The Household Financial Survey, Stephen P. Roll, Samuel H. Taylor, Michal Grinstein-Weiss Oct 2016

Financial Anxiety In Low- And Moderate-Income Households: Findings From The Household Financial Survey, Stephen P. Roll, Samuel H. Taylor, Michal Grinstein-Weiss

Center for Social Development Research

Despite significant gains in the U.S. economy following the Great Recession, finances remain a common source of stress for many American households. In 2016, 52% of U.S. workers reported that their financial position made them stressed, and research reveals that stress and anxiety associated with finances are particularly common among low-income Americans. In this brief, we explore the topic of financial anxiety, particularly its relationship to demographic and financial characteristics, measures of hardship, and financial behaviors. We find that financial anxiety is strongly linked to the overall levels of debt and assets held by low-income households, as well as their …


The Evolution Of The American Indian Pow Wow, Lindsey Manshack Oct 2016

The Evolution Of The American Indian Pow Wow, Lindsey Manshack

Buder Center for American Indian Studies Research

The Washington University in St. Louis Pow Wow is currently in its 27th year. This event will be held on Saturday, March 25, 2017, and is free and open to the public. We invite you to participate in this cultural event celebrating American Indian people and diversity. This Pow Wow brings together more than 5,000 people from the Washington University community, the broader St. Louis community, and dancers, artists, and guests from across Indian country. For more information, please visit the Kathryn M. Buder Center for American Indian Studies website (www.buder.wustl.edu) or call us at 314.935.4510.


From Mass Incarceration To Effective And Sustainable Decarceration: Conference Report, Carrie Pettus-Davis, Matthew W. Epperson Sep 2016

From Mass Incarceration To Effective And Sustainable Decarceration: Conference Report, Carrie Pettus-Davis, Matthew W. Epperson

Center for Social Development Research

All signs indicate that the United States is leaving an era of mass incarceration and is on the cusp of an era of decarceration. However, the challenge of decarceration is far greater than simply reducing the use of incarceration; it involves building an array of policy and practice innovations that replace incarceration. We have a unique opportunity to rethink, redefine, and reimagine the criminal justice system and shape the emerging decarceration movement. The challenge of decarceration is far greater than simply reducing the use of incarceration; it involves building an array of policy and practice innovations that replace incarceration. To …


The Normative Problem Of Shame, Timothy James Oakberg Aug 2016

The Normative Problem Of Shame, Timothy James Oakberg

Arts & Sciences Graduate Student Theses and Dissertations

What role should shame play in our lives? This is the normative problem of shame, and it is the focus of this dissertation. Through an examination of empirical research on shame and shame-proneness, I argue that shame should have only a very limited role in our lives. More specifically, we ought not cultivate shame, because a substantial amount of empirical literature points to the conclusion that shame-proneness is counterproductive at both an individual and a societal level. Expanding on this general answer to the normative problem of shame, I discuss in detail three proposals regarding shame from the realms of …


A Phenomenological Approach To Understanding How Women Make Breast Cancer Treatment Decisions Within The Context Of Communities, Lailea Noel Aug 2016

A Phenomenological Approach To Understanding How Women Make Breast Cancer Treatment Decisions Within The Context Of Communities, Lailea Noel

Arts & Sciences Graduate Student Theses and Dissertations

African-American women have a 40% higher mortality rate from breast cancer than White women. While there are many factors contributing to this disparity, the timely initiation of treatment is growing area of interest. Certain treatments are associated with increased survival for women with a breast cancer diagnosis, yet evidence suggests that African American women use these treatments less frequently compared to White women with similar tumor characteristics. An under-explored area of attention for scientific studies is how to identify and engage in care women who do not follow up with treatment following a suspicious finding. To date these women have …


State Space Analysis Of Dominant Structures In Dynamic Social Systems, Jeremy B. Sato Aug 2016

State Space Analysis Of Dominant Structures In Dynamic Social Systems, Jeremy B. Sato

McKelvey School of Engineering Graduate Student Theses & Dissertations

Many systems involving human relationships are modeled as dynamic systems, as diverse as urban population growth, diffusion of innovations, spread of viruses, and supply chain management. A fundamental assumption is that these systems contain variables which accumulate and deplete over time (people, innovation adoptions, infections, and orders), and whose dynamics are determined by societal rules and human decision making processes. These assumptions allow the system to be formally expressed by ordinary differential equations which are often nonlinear and contain multiple state variables and feedback loops. Analytical methods have been developed to identify the dominant feedback loops which primarily influence the …


The Role Of Health Insurance In The Financial Lives Of Low- And Moderate-Income Households, Mathieu R. Despard, Dana C. Perantie, Jane E. Oliphant, Stephen P. Roll, Michal Grinstein-Weiss Aug 2016

The Role Of Health Insurance In The Financial Lives Of Low- And Moderate-Income Households, Mathieu R. Despard, Dana C. Perantie, Jane E. Oliphant, Stephen P. Roll, Michal Grinstein-Weiss

Center for Social Development Research

Health insurance is an important resource for enabling access to and use of medical care, and is associated with reduced risk for mortality and poor health outcomes. Health insurance also protects households from incurring major medical expenses and unmanageable levels of medical debt. About a quarter of a sample of low- and moderate-income (LMI) tax filers have no health insurance, compared to 10% of all individuals in the United States. As of 2014, the proportion of filers without insurance was 11 percentage points higher in states that had not expanded Medicaid through the Affordable Care Act (ACA) than it was …


Leveraging Tax Time To Build Financial Capability: Research Evidence And Policy Directions, Meredith Covington, Jane E. Oliphant, Michal Grinstein-Weiss Aug 2016

Leveraging Tax Time To Build Financial Capability: Research Evidence And Policy Directions, Meredith Covington, Jane E. Oliphant, Michal Grinstein-Weiss

Center for Social Development Research

Over the past decade, a variety of initiatives have been implemented in the United States to facilitate saving and build financial security at tax time, including national experiments, pilot programs, and federal and state policies. Much progress has been made in encouraging tax filers, especially low- to moderate-income (LMI) tax filers, to save a portion of their refund. To expand upon the “golden moment” of saving at tax time, policymakers, practitioners, and researchers must now seek ways in which the lump sum of saving at tax time can serve to render tax filers capable of confidently managing their financial lives. …


Financial Inclusion In China: Use Of Credit, Zibei Chen, Minchao Jin Jul 2016

Financial Inclusion In China: Use Of Credit, Zibei Chen, Minchao Jin

Center for Social Development Research

Limited access to credit can cause financial vulnerability for a household and economic loss for a country. Previous studies have shown that only small portions of populations in developing countries use formal credit, but few studies have focused on Chinese populations. Analyzing data from the 2011 China Household Financial Survey, this study explored Chinese households’ credit use. Over half of the sample (53.21%) reported using credit, and only 19.77% of the sample used formal credit. Use of formal credit was associated with the socioeconomic characteristics of household heads (e.g., employment and education) and of households (e.g., income and net worth). …


Admitted: A Novella, David A. Patterson Silver Wolf (Adelv Unegv Waya) Jun 2016

Admitted: A Novella, David A. Patterson Silver Wolf (Adelv Unegv Waya)

Books and Monographs

Daniel becomes the new resident manager of First Step, a center for men with alcoholism or drug addiction. A fictional account of the experiences of the men in treatment and of Daniel as he works at First Step, attends school, and deals with his own addictions.


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 their …


Tax Abatement In Saint Louis: Reforms Could Foster Equitable Development, Claire Dewind, Jennifer Dickey, Ellen O'Neill, Molly W. Metzger Jun 2016

Tax Abatement In Saint Louis: Reforms Could Foster Equitable Development, Claire Dewind, Jennifer Dickey, Ellen O'Neill, Molly W. Metzger

Center for Social Development Research

Across the United States, municipal governments use tax abatement in various ways to incentivize development and revitalize urban areas. In Saint Louis, historical housing trends related to deindustrialization, redlining, and “white flight” led to the City’s depopulation, creating the current need to incentivize development. However, in certain neighborhoods, development now occurs without tax abatement, and some homeowners and developers receive tax abatement despite being able to afford paying taxes. This points to a need to understand where and when tax abatement is necessary, and whether it is being used effectively. In this brief, we ask the following questions: (1) Does …


Nudging Youth To Develop Savings Habits: Experimental Evidence Using Sms Messages, Katherine Rodríguez, Juan E. Saavedra May 2016

Nudging Youth To Develop Savings Habits: Experimental Evidence Using Sms Messages, Katherine Rodríguez, Juan E. Saavedra

Center for Social Development Research

In this working paper, we report on a field experiment articulating financial information via cellphone text messages and financial decisions among low-income youth in Colombia. For twelve months, youth accountholders are randomly assigned to receive either: (a) monthly financial education messages, (b) monthly savings reminders, (c) semimonthly reminders, or (d) control. After 12 months, account balances in monthly and semimonthly reminders groups increase by 28% and 43%, respectively, relative to controls. Financial education messages do not increase balances. Over two thirds of balance increases in reminder groups are net savings. Savings effects of reminders last eight months after youth stop …


Racial Disparities In Student Debt: Evidence From The Refund To Savings Initiative, Samuel H. Taylor, Dana C. Perantie, Nava Kantor, Michal Grinstein-Weiss, Shenyang Guo, Ramesh Raghavan May 2016

Racial Disparities In Student Debt: Evidence From The Refund To Savings Initiative, Samuel H. Taylor, Dana C. Perantie, Nava Kantor, Michal Grinstein-Weiss, Shenyang Guo, Ramesh Raghavan

Center for Social Development Research

This brief provides evidence that low- and moderate-income (LMI) Black households accumulate significantly more debt in pursuit of a higher education than do LMI White students, even after using rigorous methods to account for race- and debt-related confounders. Using data from the Refund to Savings experiment, the authors find that LMI Black households accrued $7,721 more in student loan debt than their White counterparts did. This finding is crucial in light of the financial vulnerability of this population both before and after college. That vulnerability potentially contributes to diminished returns and exacerbates racial disparities in educational outcomes and wealth accumulation. …


Social Support And Intimate Partnerships In African American Women With Breast Cancer, Tess Thompson May 2016

Social Support And Intimate Partnerships In African American Women With Breast Cancer, Tess Thompson

Arts & Sciences Graduate Student Theses and Dissertations

This mixed methods study investigated social support in African American breast cancer patients in one Midwestern metropolitan area. The study includes a quantitative analysis of social support in 227 African American breast cancer patients participating in a quality of life study, as well as a qualitative component involving a subsample of 15 married participants. In the larger sample, growth curve models were used to assess factors contributing to initial levels of perceived social support and change in social support over time. Interviews with women in the qualitative study allowed an in-depth exploration of how breast cancer affected womens relationships with …


Can We Walk? Environmental Supports For Active Travel In India, Deepti Adlakha May 2016

Can We Walk? Environmental Supports For Active Travel In India, Deepti Adlakha

Arts & Sciences Graduate Student Theses and Dissertations

Background: Rapid rates of increase of obesity, diabetes, and associated chronic and co-morbid non-communicable diseases (e.g., cardiovascular diseases and some cancers) are being documented in India, yet in-country evidence-based research of associated risk factors is lacking. Physical activity has been identified as a preventative factor to counter the risk from obesity-related non-communicable diseases. Built environment supports for physical activity represent promising strategies to curb the rise in non-communicable diseases. Mounting research evidence suggests that the built environment can facilitate or constrain physical activity. However, a majority of this research has been conducted in developed nations. Built environment correlates of physical …


Exploring The Relationships Between Social Skills, Mental Health And Behavior In A Child Welfare Involved Population, Megan Anne Feely May 2016

Exploring The Relationships Between Social Skills, Mental Health And Behavior In A Child Welfare Involved Population, Megan Anne Feely

Arts & Sciences Graduate Student Theses and Dissertations

Promoting child well-being is one of the three primary goals of the child welfare system. In contrast to safety and permanency, the other two primary goals, that are precisely defined in the federal statute, well-being remains undefined and poorly understood. Recently, the Administration on Children Youth and Families (ACYF) highlighted one facet of child well-being -- social and emotional well-being -- as a particular focus of the agency. These categories, i.e. behavior, emotional development and social functioning collectively are referred to as social and emotional well-being. The relationship between these constructs is unknown although it is likely that they are …


A Social Network Analysis Of Active Transportation Policy Networks, Marissa Zwald May 2016

A Social Network Analysis Of Active Transportation Policy Networks, Marissa Zwald

Arts & Sciences Graduate Student Theses and Dissertations

Background: In an effort to increase physical activity, communities are recognizing the importance of policy and environmental changes to facilitate active transportation. However, evidence on the policy partnerships and processes to achieve such policy and environmental changes, particularly in non-health sectors, is lacking. Methods: An online social network survey was administered in Fall 2015 to organizations engaged in active transportation policies in six cities across the United States. In addition to individual and organizational characteristics, relationships between organizations were assessed, including: level of collaboration around active transportation policies, frequency of contact, resource sharing to support active transportation, and perceived decisional …


Suicide Attempts From Adolescence Into Young Adulthood: A System Dynamics Perspective For Intervention And Prevention, Saras Yu Chung May 2016

Suicide Attempts From Adolescence Into Young Adulthood: A System Dynamics Perspective For Intervention And Prevention, Saras Yu Chung

Arts & Sciences Graduate Student Theses and Dissertations

Though the reduction of suicide-related deaths has been a national priority for over a decade (U.S. Department of Health and Human Services, 2001) and over $22 million per year (National Institutes of Health, 2015) have been invested to prevent suicide, rates of suicide have not declined (CDC, 2012). In fact, for some groups of adolescents, these rates seem to be on the ride (Wasserman, Cheng, & Jiang, 2005). The ineffectiveness in reducing deaths by suicide despite increased funding and coordinated efforts suggests the need for a new perspective on examining why and how adolescents begin to desire and attempt suicide …


The Role Of Physical Activity Enjoyment In The Pathways From Social And Physical Environments To Physical Activity Of Early Adolescent Girls, Elizabeth Lauren Budd May 2016

The Role Of Physical Activity Enjoyment In The Pathways From Social And Physical Environments To Physical Activity Of Early Adolescent Girls, Elizabeth Lauren Budd

Arts & Sciences Graduate Student Theses and Dissertations

In 2013, only 27.1 % of adolescents (age 10-19) met the daily physical activity (PA) recommendations of 60 minutes of PA a day. 1 Inactivity is highly prevalent among youth and especially prevalent among adolescents. This inactivity can have harmful and costly, immediate and long-term repercussions on physical, mental, and social health.28 Health behaviors throughout childhood, including PA, are predictive of health behaviors throughout adulthood.9 Girls experience the steepest decline in PA in early adolescence compared to boys and any other age group, which positions them on a lifelong trajectory of inactivity and increased risk for disease.2,4 Among early adolescent …


The Burden Of Student Debt: Findings From A Survey Of Low- And Moderate-Income Households, Mathieu R. Despard, Samuel H. Taylor, Dana C. Perantie, Michal Grinstein-Weiss May 2016

The Burden Of Student Debt: Findings From A Survey Of Low- And Moderate-Income Households, Mathieu R. Despard, Samuel H. Taylor, Dana C. Perantie, Michal Grinstein-Weiss

Center for Social Development Research

Completing a college degree continues to offer a pathway for enjoying greater earnings. Yet tuition has risen sharply and state higher-education funding has declined in recent years, shifting the burden of paying for college to students and their families. As a result, most students (70%) depend on loans to help pay for college and student debt is now greater than credit card debt in the United States. Student debt is increasingly difficult to manage, as debt-to-income ratios, loan default rates, and delinquency rates are on the rise. This brief utilizes data from the 2014 Refund to Savings study to examine …


Americans’ Attitudes About Changing Current Prescription Drug And Medical Device Regulation, R. J. Blendon, J. M. Benson, Caitlin L. Mcmurtry, J. M. Sayde May 2016

Americans’ Attitudes About Changing Current Prescription Drug And Medical Device Regulation, R. J. Blendon, J. M. Benson, Caitlin L. Mcmurtry, J. M. Sayde

Brown School Faculty Publications

A new poll of adults in the United States by Stat and Harvard T.H. Chan School of Public Health examines public opinion on provisions in the 21st Century Cures Act and a similar package in the Senate, which aim to speed up the process for developing new prescription drugs and medical devices. A majority of Americans do not favor these measures, after being told that changing government regulations could help make new drugs and devices available faster to patients, but could also increase the risk that therapies with harmful side effects or ones that are less effective could be approved …


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.


Frequently Asked Questions About The Features Of Child Development Accounts In Israel, Michal Grinstein-Weiss, Meredith Covington, Megan Brewster, Jane E. Oliphant Apr 2016

Frequently Asked Questions About The Features Of Child Development Accounts In Israel, Michal Grinstein-Weiss, Meredith Covington, Megan Brewster, Jane E. Oliphant

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 Fact Sheet provides answers to frequently asked questions about the policy, which was developed in collaboration with researchers at the Center for Social Development.


Annual Report On The Asset Project's Head Start Family Financial Capability Pilot: 2014–2015, Anne S. Robertson, Jami Curley Apr 2016

Annual Report On The Asset Project's Head Start Family Financial Capability Pilot: 2014–2015, Anne S. Robertson, Jami Curley

Center for Social Development Research

Since the Great Recession (December 2007–2009 in the United States), poverty has compromised many families and increased the prevalence of young children living in neighborhoods of concentrated, deep poverty. However, financial literacy interventions have reported promising outcomes for influencing financial choices and financial knowledge, highlighting the potential of such programs for improving the economic positions of families and children. This report presents results from a mixed-methods evaluation of a financial literacy intervention with Head Start families in the St. Louis metropolitan area. The intervention combines savings incentives and one-on-one coaching with 10 hours of financial education on debt management, banking, …