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Articles 391 - 420 of 805
Full-Text Articles in Entire DC Network
Seoul Hope Plus Savings Accounts: Asset-Building Program For Low-Income Households In Seoul, Mihyun Kim, Jisung Kwon, Sunwook Chung, Hyunmira Hong, Yunju Nam, Youngmi Kim, Eunlye Lee
Seoul Hope Plus Savings Accounts: Asset-Building Program For Low-Income Households In Seoul, Mihyun Kim, Jisung Kwon, Sunwook Chung, Hyunmira Hong, Yunju Nam, Youngmi Kim, Eunlye Lee
Center for Social Development Research
Seoul Hope Plus Savings Accounts: Asset-Building Program for Low-Income Households in Seoul
The Basics Of Progressive 529s, Center For Social Development
The Basics Of Progressive 529s, Center For Social Development
Center for Social Development Research
The Basics of Progressive 529s
Youth Savings Around The World: Youth Characteristics, Savings Performance, And Potential Impacts, Rainier Masa, Margaret Sherraden, Li Zou, Fred Ssewamala, Lissa Johnson, David Ansong, Gina Chowa, Michal Sherraden
Youth Savings Around The World: Youth Characteristics, Savings Performance, And Potential Impacts, Rainier Masa, Margaret Sherraden, Li Zou, Fred Ssewamala, Lissa Johnson, David Ansong, Gina Chowa, Michal Sherraden
Center for Social Development Research
Youth Savings Around the World: Youth Characteristics, Savings Performance, and Potential Impacts
Financial Capability: What Is It, And How Can It Be Created?, Margaret S. Sherraden
Financial Capability: What Is It, And How Can It Be Created?, Margaret S. Sherraden
Center for Social Development Research
Note: The final version of this working paper appears as a chapter in Sherraden, M. S. (2013). Building blocks of financial capability. In J. M. Birkenmaier, M. S. Sherraden, & J. C. Curley, J. (Eds.) Financial Capability and Asset Building: Research, Education, Policy, and Practice (pp. 1–43). New York & Oxford: Oxford University Press. Financial literacy has been proposed widely as an effective approach to preparing people to manage their finances. This paper proposes an alternative concept, financial capability. Financial capability includes both the ability to act (knowledge, skills, confidence, and motivation) and the opportunity to act (through access to …
Youth Savings Around The World: Youth Characteristics, Savings Performance, And Potential Effects, Rainier Masa, Margaret Sherrard Sherraden, Li Zou, Fred Ssewamala, Lissa Johnson, David Ansong, Gina Chowa, Michael Sherraden
Youth Savings Around The World: Youth Characteristics, Savings Performance, And Potential Effects, Rainier Masa, Margaret Sherrard Sherraden, Li Zou, Fred Ssewamala, Lissa Johnson, David Ansong, Gina Chowa, Michael Sherraden
Center for Social Development Research
Youth Savings Around the World: Youth Characteristics, Savings Performance, and Potential Effects
College Savings Plan Accounts At Birth: Maine's Statewide Program, Margaret M. Clancy, Terry Lassar
College Savings Plan Accounts At Birth: Maine's Statewide Program, Margaret M. Clancy, Terry Lassar
Center for Social Development Research
The Harold Alfond College Challenge offers $500 to every child in the state enrolled in Maine’s NextGen college savings plan within 1 year from birth. As the first U.S. example of a statewide Child Development Account, the Alfond Challenge is a laboratory to study and learn from Maine’s experience. This CSD policy brief provides an overview of the Alfond Challenge, examines administrative and enrollment challenges, and offers recommendations and federal and state policy directions.
Staying On Course: The Effects Of Savings And Assets On The College Progress Of Young Adults, Sondra G. Beverly, William Elliott Iii
Staying On Course: The Effects Of Savings And Assets On The College Progress Of Young Adults, Sondra G. Beverly, William Elliott Iii
Center for Social Development Research
Staying on Course: The Effects of Savings and Assets on the College Progress of Young Adults
Staying On Course: The Effects Of Savings And Assets On The College Progress Of Young Adults, William Elliott Iii, Sondra G. Beverly
Staying On Course: The Effects Of Savings And Assets On The College Progress Of Young Adults, William Elliott Iii, Sondra G. Beverly
Center for Social Development Research
Increasingly, college graduation is seen as a necessary step toward achieving the American Dream. However, large disparities exist in graduation rates. This study examines the college progress of young adults. Findings suggest that 57% of young adults between the ages of 17 and 23 are “on course,” that is, are currently attending or have graduated from college. Those with family assets and savings of their own are more likely to be on course. In multivariate analysis, both net worth and youth school savings are strong predictors of college progress. Youth school savings and parental savings for youth are strong predictors …
International Volunteerism In The United States, 2008, Benjamin Lough
International Volunteerism In The United States, 2008, Benjamin Lough
Center for Social Development Research
Over one million individuals reported volunteering internationally in 2008. Young or middle-aged, White, college graduates with higher incomes, employed full-time, and married without dependent children were the most frequent candidates for volunteer service abroad. The majority of international volunteers served with a faith-based organization. Data for this report were gathered from the September 2004 through September 2009 volunteer supplements to the Current Population Survey (CPS)—a monthly survey of approximately 60,000 households. The volunteer supplement includes questions about service performed domestically and abroad. Two items specifically assess the rate and frequency of international volunteer service. More detailed information about sampling, definitions, …
Asset Building In The South: Organizations And Services, Gena Gunn, Jennifer Heffern, Karen Edwards
Asset Building In The South: Organizations And Services, Gena Gunn, Jennifer Heffern, Karen Edwards
Center for Social Development Research
Asset Building in the South: Organizations and Services
Assets And Liabilities, Race/Ethnicity, And Children's College Education, Min Zhan, Michael Sherraden
Assets And Liabilities, Race/Ethnicity, And Children's College Education, Min Zhan, Michael Sherraden
Center for Social Development Research
Assets and Liabilities, Race/Ethnicity, and Children's College Education
Assets And Liabilities, Race/Ethnicity, And Children's College Education, Min Zhan, Michael Sherraden
Assets And Liabilities, Race/Ethnicity, And Children's College Education, Min Zhan, Michael Sherraden
Center for Social Development Research
This study examines the extent to which household assets and liabilities are related to disparities in children’s college attendance and college graduation among White, Black, and Hispanic families. Results indicate that, after household assets are considered, a substantial portion of the Black-White gap in college attendance and college graduation disappears, and a small portion of the Hispanic-White gap in college graduation also disappears. Separate analyses of children from each racial/ethnic group further indicate that family income and financial assets are related to White children’s college attendance and graduation, but nonfinancial assets and unsecured debt are associated with college attendance and …
Savings And Financial Services In Native Communities, Kristen Wagner, Kristen Wagner
Savings And Financial Services In Native Communities, Kristen Wagner, Kristen Wagner
Center for Social Development Research
Savings and Financial Services in Native Communities
Volunteer Income Tax Assistance (Vita) Sites In Native Communities, Kristen Wagner, Amy Locklear Hertel
Volunteer Income Tax Assistance (Vita) Sites In Native Communities, Kristen Wagner, Amy Locklear Hertel
Center for Social Development Research
Volunteer Income Tax Assistance (VITA) Sites in Native Communities
Earned Income Tax Credit (Eitc) Utilization In Native Communities, Kristen Wagner, Amy Locklear Hertel
Earned Income Tax Credit (Eitc) Utilization In Native Communities, Kristen Wagner, Amy Locklear Hertel
Center for Social Development Research
Earned Income Tax Credit (EITC) Utilization in Native Communities
Toward More Inclusive College Savings Plans: Sample State Legislation, Terry Lassar, Margaret M. Clancy, Sarah Mcclure
Toward More Inclusive College Savings Plans: Sample State Legislation, Terry Lassar, Margaret M. Clancy, Sarah Mcclure
Center for Social Development Research
A number of states have created inclusive 529 policy strategies to make college savings plans more accessible and easier to use for families at all income levels. These strategies include facilitating enrollment and contributions, removing saving disincentives, increasing saving incentives, and strengthening tax benefits. In this report, we examine these inclusive state policy strategies, describe their application through legislative and administrative means, and point to specific examples.A related policy brief by the same title is also available.
The Role Of Savings And Wealth In Reducing "Wilt" Between Expectations And College Attendance, William Elliott Iii, Sondra Beverly
The Role Of Savings And Wealth In Reducing "Wilt" Between Expectations And College Attendance, William Elliott Iii, Sondra Beverly
Center for Social Development Research
The Role of Savings and Wealth in Reducing "Wilt" Between Expectations and College Attendance
Toward More Inclusive College Savings Plans: Sample State Legislation, Terry Lassar, Margaret M. Clancy, Sarah Mcclure
Toward More Inclusive College Savings Plans: Sample State Legislation, Terry Lassar, Margaret M. Clancy, Sarah Mcclure
Center for Social Development Research
A number of states have created inclusive 529 policy strategies to make college savings plans more accessible and easier to use for families at all income levels. These strategies include: facilitating enrollment and contributions, removing saving disincentives, increasing saving incentives, and strengthening tax benefits. In this brief, we highlight these inclusive state policy strategies, describes their application through legislative and administrative means, and points to specific examples. A related policy report by the same title is also available.
The Role Of Savings And Wealth In Reducing "Wilt" Between Expectations And College Attendance, William Elliott Iii, Sondra G. Beverly
The Role Of Savings And Wealth In Reducing "Wilt" Between Expectations And College Attendance, William Elliott Iii, Sondra G. Beverly
Center for Social Development Research
“Wilt” occurs when a young person who expects to attend college while in high school does not attend college shortly after graduating. In this study we find that youth with no account in their own name are more likely to experience wilt than any other group examined. In multivariate analysis, youth who expect to graduate from a four-year college and have an account are approximately seven times more likely to attend college than youth who have no account. Youth who expect to graduate from a four-year college and have designated a portion of their savings for college are approximately four …
Does Household Food Insecurity Affect Parental Characteristics And Child Behavior?: Evidence From The Panel Study Of Income Dynamics (Psid), Jin Huang, Karen M. Matta Oshima, Youngmi Kim
Does Household Food Insecurity Affect Parental Characteristics And Child Behavior?: Evidence From The Panel Study Of Income Dynamics (Psid), Jin Huang, Karen M. Matta Oshima, Youngmi Kim
Center for Social Development Research
This study examines the link between household food insecurity and child behavior problems mediated through parental characteristics (parenting stress, parental warmth, psychological distress, and parent’s self-esteem) using two waves of data from the Child Development Supplement in the Panel Study of Income Dynamics. Analyses of fixedeffects models are conducted on a low-income sample of 416 children from 249 households. This study finds that the effects of food insecurity on child behavior problems are mediated by parenting stress. However, two robustness tests show different results from those of the fixed-effects models. This inconsistency suggests that the complicated relationship between household food …
Mei Guo De Zi Chan Jian She: Zheng Ce Chuang Xin Yu Ke Xue Yan Jiu [Asset Building In The Us: Policy Innovation And Scientific Research], Michael Sherraden, Li Zou
Mei Guo De Zi Chan Jian She: Zheng Ce Chuang Xin Yu Ke Xue Yan Jiu [Asset Building In The Us: Policy Innovation And Scientific Research], Michael Sherraden, Li Zou
Center for Social Development Research
Mei Guo De Zi Chan Jian She: Zheng Ce Chuang Xin Yu Ke Xue Yan Jiu [Asset Building in the US: Policy Innovation and Scientific Research]
Parental Income, Assets, And Borrowing Constraints And Children's Post-Secondary Education, Jin Huang, Baorong Guo, Youngmi Kim, Michael Sherraden
Parental Income, Assets, And Borrowing Constraints And Children's Post-Secondary Education, Jin Huang, Baorong Guo, Youngmi Kim, Michael Sherraden
Center for Social Development Research
This study is a test of two theoretical models linking parental economic resources to children’s post-secondary education, namely, short-term borrowing constraints and long-term family background. a series of structural equation models (SEM) are tested using data from a sample of young adults (N=650) in the Panel Study of Income Dynamics (PSID). To further understand the role of parental resources in children’s education, analyses are conducted for both income and assets, with assets measured by liquid assets and net worth. Findings indicate that both income and assets have consistent long-term associations with children’s college entry. When measures of household wealth are …
Assets And Child Well-Being In Developed Countries, Trina Williams Shanks, Youngmi Kim, Vernon Loke, Mesmin Destin
Assets And Child Well-Being In Developed Countries, Trina Williams Shanks, Youngmi Kim, Vernon Loke, Mesmin Destin
Center for Social Development Research
Although there is no universal approach to offering Child Development Accounts (CDAs), this paper introduces a framework for an age-based conceptual model that describes how such accounts might influence indicators of child wellbeing. With a focus on optimal age-appropriate development beginning at birth and ranging through young adulthood, the model incorporates research from multiple disciplines to include direct effects, indirect effects and critical milestones. We review empirical evidence from national datasets (primarily from the United States, but including research from other developed countries) to provide a context for this framework. This conceptual and empirical backdrop provides a starting point from …
Streamlined Enrollment And Default Investment: Innovations In Alaska's College Savings Plan, Margaret M. Clancy, Terry Lassar, Rebekah Miller
Streamlined Enrollment And Default Investment: Innovations In Alaska's College Savings Plan, Margaret M. Clancy, Terry Lassar, Rebekah Miller
Center for Social Development Research
As college savings plans have gained in popularity and matured over the years, states have developed a number of innovations to facilitate access to and participation in 529s. This paper examines innovations in streamlined enrollment, pre-selected investment, and default investment in Alaska’s college savings plan. These 529 innovations—intended to facilitate greater participation, especially amongst low- and middle-income families—could play a more important role in other states to encourage savings for postsecondary education.
Assets And Liabilities, Educational Expectations, And Children's College Degree Attainment, Min Zhan, Michael Sherraden
Assets And Liabilities, Educational Expectations, And Children's College Degree Attainment, Min Zhan, Michael Sherraden
Center for Social Development Research
Assets and Liabilities, Educational Expectations, and Children's College Degree Attainment
Low-Cost State Innovations To Help Families Save For College, Mark Huelsman, Margaret M. Clancy
Low-Cost State Innovations To Help Families Save For College, Mark Huelsman, Margaret M. Clancy
Center for Social Development Research
While 529 plans are defined in the federal tax code, individual states have considerable latitude to innovate and make their plans more inclusive. Some states have undertaken large-scale initiatives, such as matching contributions or establishing accounts at birth. Other states have been exploring a number of smaller, lower- cost innovations to remove disincentives and increase savings. States are often the testing ground for future federal policies, and several of these initiatives could also be enacted at the federal level.
Account Monitoring Research At Michigan Seed, Vernon Loke, Margaret Clancy, Robert Zager
Account Monitoring Research At Michigan Seed, Vernon Loke, Margaret Clancy, Robert Zager
Center for Social Development Research
Account Monitoring Research at Michigan SEED
The Southern Regional Asset Building Coalition Survey, Gena Gunn, Jennifer Heffern
The Southern Regional Asset Building Coalition Survey, Gena Gunn, Jennifer Heffern
Center for Social Development Research
The Southern Regional Asset Building Coalition Survey
Assets And Liabilities, Educational Expectations, And Children's College Degree Attainment, Min Zhan, Michael Sherraden
Assets And Liabilities, Educational Expectations, And Children's College Degree Attainment, Min Zhan, Michael Sherraden
Center for Social Development Research
This research examines relationships among household assets and liabilities, educational expectations of children and parents, and children’s college degree attainment. Special attention is paid to influences of different asset types (financial vs. nonfinancial assets) and liabilities (secured vs. unsecured debt). Results indicate that, after controlling for family income and other parent/child characteristics, financial and nonfinancial assets are positively related to, and unsecured debt is negatively related to, children’s college completion. Furthermore, there is evidence that financial assets are positively associated with the education expectations of parents and children. Policy directions are suggested.
The Seed For Oklahoma Kids Experiment: Comparison Of Treatment And Control Groups, Youngmi Kim, Yunju Nam
The Seed For Oklahoma Kids Experiment: Comparison Of Treatment And Control Groups, Youngmi Kim, Yunju Nam
Center for Social Development Research
The SEED for Oklahoma Kids Experiment: Comparison of Treatment and Control Groups