Moneylending and Low Income Families PDF Download
Are you looking for read ebook online? Search for your book and save it on your Kindle device, PC, phones or tablets. Download Moneylending and Low Income Families PDF full book. Access full book title Moneylending and Low Income Families by Mary E. Daly. Download full books in PDF and EPUB format.
Author: Mary E. Daly
Publisher: Combat Poverty Agency
ISBN: 1871643015
Category : Consumer credit
Languages : en
Pages : 73
Get Book
Book Description
Author: Mary E. Daly
Publisher: Combat Poverty Agency
ISBN: 1871643015
Category : Consumer credit
Languages : en
Pages : 73
Get Book
Book Description
Author: Jason Strelitz
Publisher: Save the Children UK
ISBN: 1841871176
Category : Child welfare
Languages : en
Pages : 169
Get Book
Book Description
Why Money Matters offers compelling fresh evidence and new insights on the relationship between family income, poverty and children's lives. Written by leading experts in the field, it brings together up-to-date and accessible information and analysis from a variety of sectors, including education, health and welfare. Issues explored include the impact of debt on family life, the psychological effects of the struggle to make ends meet, and new evidence of the direct consequences of poverty on children's achievement and life chances. Why Money Matters presents a powerful case for putting family income at the heart of the poverty debate. It will be of particular interest to policy-makers, researchers, students and academics.
Author: Noreen Byrne
Publisher: Combat Poverty Agency
ISBN: 1905485085
Category : Credit unions
Languages : en
Pages : 76
Get Book
Book Description
Author:
Publisher: Combat Poverty Agency
ISBN: 1871643058
Category : Poverty
Languages : en
Pages : 61
Get Book
Book Description
Author: Julia Sass Rubin
Publisher: Russell Sage Foundation
ISBN: 1610444817
Category : Business & Economics
Languages : en
Pages : 341
Get Book
Book Description
Access to capital and financial services is crucial for healthy communities. However, many impoverished individuals and neighborhoods are routinely ignored by mainstream financial institutions. This neglect led to the creation of community development financial institutions (CDFIs), which provide low-income communities with financial services and act as a conduit to conventional financial organizations and capital markets. Edited by Julia Sass Rubin, Financing Low-Income Communities brings together leading experts in the field to assess what we know about the challenges of bringing financial services and capital to poor communities, map out future lines of research, and propose policy reforms to make these efforts more effective. The contributors to Financing Low-Income Communities distill research on key topics related to community development finance. Daniel Schneider and Peter Tufano examine the obstacles that make saving and asset accumulation difficult for low-income households—such as the fact that tens of millions of low-income and minority adults don't have a bank account—and consider solutions, like making it easier for low-wage workers to enroll in 401(K) plans. Jeanne Hogarth, Jane Kolodinksy, and Marianne Hilgert review evidence showing that community-based financial education programs can be effective in changing families' saving and budgeting patterns. Lisa Servon proposes strategies for addressing the challenges facing the microenterprise field in the United States. Julia Sass Rubin discusses ways community loan and venture capital funds have adapted in response to the decreased availability of funding, and considers potential sources of new capital, such as state governments and public pension funds. Marva Williams explores the evolution and recent performance of community development banks and credit unions. Kathleen Engel and Patricia McCoy document the proliferation of predatory lenders, who market loans at onerous interest rates to financially vulnerable families and the devastating effects of such lending on communities—from increased crime to falling home values and lower tax revenues. Rachel Bratt reviews the policies and programs used to make rental and owned housing financially accessible. Rob Hollister proposes a framework for evaluating the contributions of community development financial institutions. Despite the many accomplishments of CDFIs over the last four decades, changing political and economic conditions make it imperative that they adapt in order to survive. Financing Low-Income Communities charts out new directions for public and private organizations which aim to end the financial exclusion of marginalized neighborhoods.
Author: Denise Topolnicki
Publisher: Currency
ISBN: 0767908902
Category : Business & Economics
Languages : en
Pages : 352
Get Book
Book Description
Many parents today believe that two steady incomes are not only desirable but absolutely necessary in order to raise a family. Yet most full-time working mothers say that if it weren't for the money, they would not work, and instead would stay at home with their children. After the birth of her second child, Denise Topolnicki faced this common dilemma: Continue working full-time, or spend more time with her family? As a former editor of Money, Denise used her financial expertise and discovered that she could work only part-time and be at home for her children--while not breaking her family's budget. By combining her investment know-how with compassionate advice, Denise gives parents a clear-cut strategy for controlling their money--from saving on food, to creating a cash reserve, to learning how to retire on less than two incomes. Packed with worksheets, detailed plans, and inspiring case studies, Topolnicki's plan helps families set fun priorities while still balancing the checkbook. Whether you want to leave work altogether or continue part-time, this book is the key to freedom for millions of families trapped on the working-parent treadmill.
Author: Susan E. Mayer
Publisher: Harvard University Press
ISBN: 9780674587335
Category : Business & Economics
Languages : en
Pages : 254
Get Book
Book Description
Children from poor families generally do a lot worse than children from affluent families. They are more likely to develop behavior problems, to score lower on standardized tests, and to become adults in need of public assistance. Susan Mayer asks whether income directly affects children's life chances, as many experts believe, or if the factors that cause parents to have low incomes also impede their children's life chances. She explores the question of causation with remarkable ingenuity. First, she compares the value of income from different sources to determine, for instance, if a dollar from welfare is as valuable as a dollar from wages. She then investigates whether parents' income after an event, such as teenage childbearing, can predict that event. If it can, this suggests that income is a proxy for unmeasured characteristics that affect both income and the event. Next she compares children living in states that pay high welfare benefits with children living in states with low benefits. Finally, she examines whether national income trends have the expected impact on children. Regardless of the research technique, the author finds that the effect of income on children's outcomes is smaller than many experts have thought. Mayer then shows that the things families purchase as their income increases, such as cars and restaurant meals, seldom help children succeed. On the other hand, many of the things that do benefit children, such as books and educational outings, cost so little that their consumption depends on taste rather than income. Money alone, Mayer concludes, does not buy either the material or the psychological well-being that children require to succeed.
Author:
Publisher: Combat Poverty Agency
ISBN:
Category : Poor
Languages : en
Pages : 15
Get Book
Book Description
Author:
Publisher: Combat Poverty Agency
ISBN:
Category :
Languages : en
Pages : 54
Get Book
Book Description
Author: Margaret Sherrard Sherraden
Publisher: University of Michigan Press
ISBN: 0472117122
Category : Political Science
Languages : en
Pages : 336
Get Book
Book Description
The struggles of low-income families trying to build savings accounts
