Asset Building & Economic Success Articles
4 Ways to Help Kids Avoid Spending Money Because of Peer Pressure
As adults, we know that saving money is a key to securing our future and avoiding high-interest debt. But that doesn't mean we always do it- as adults we sometimes have a "keeping up with the Joneses" mindset. This comsumerist mindset is prevalent throughout our culture and parents may find it difficult to help their children navigate through peer pressure. Read more to learn what you can do to help your children combat this mindset.
What Your Kids Need to Know About Money
If you're a parent, you may be wondering what lessons your kids are learning about money in school, from friends, and from their lives so far, and how you can help them use money wisely today and throughout their lives.
How to Boost Your Financial Willpower
Dr. Roy Baumeister is a research psychologist who has studied the science of self-control for many years. He's also co-author of the new book Willpower. We asked him how you can boost your willpower when facing financial temptations and decisions. Here are his secrets.
Coming up with Cash in a Pinch: Emergency Savings and its Alternatives
This brief summarizes a paper that reviews 80 articles about savings and households.’ ability to access cash quickly to meet unexpected expenses.
Resource Guide to Foreclosure Recovery
This resource guide provides a practical, adaptable framework for discussing and addressing the range of issues that individuals or families may face during or after foreclosure. As such, this guide is intended to be used as a tool for identifying local resources and understanding how to access them.
Asset Building Over the Life Course
During life, the average individual passes through several stages which tend to correspond with particular social & economic events, beginning with primary education, marriage, parenthood, & career advancement, & ending with retirement. This concept, known as the life course, provides a very useful framework for thinking about how individual lives unfold & asset building practices.
Poor Finances is a series of reports on poverty, asset building, & social policy. The focus of this series is on, but not limited to, asset accumulation & policies for low-income individuals. This broad approach helps to identify the overall critical issues that relate to asset holding for all populations.
Income Transfers & Assets of the Poor
A discussion on Poverty suggesting that welfare income & policies discourage accumulation of liquid assets, but do not reduce net wealth & that 75% of the rich-poor wealth gap is caused by ability differences.
Behavioral Economics & Asset Building
The financial decisions people make often defy what traditional economic theory would consider "rational." This "irrationality" is not limited to certain communities or income levels. This article discusses how to alter individuals decision making processes to encourage savings & asset building.
Financial Decision Making Processes of Low-Income Individuals
How Behavioral Economics Differs from Traditional Economics
The Assets Agenda 2011
Policy Options to Promote Savings & Asset Development from the New America Foundation.
Asset Building for Today's Stability & Tomorrow's Security
An article about emerging issues in community development & consumer affairs.
Financial Capability in the United States
Report on the National Survey Component of the National Financial Capability Study.
Promoting Economic Success for Working Families
America's families need more than a regular paycheck to achieve financial security- they need the capacity to acquire & preserve assets. For these families, "asset poverty" often continues from one generation to the next.
Foundation Reports & Article Series
Annie E. Casey Foundation
The Annie E. Casey Foundation is dedicated to helping build better futures for disadvantaged children in the United States. Their primary approach acknowledges the problems faced by low-income families who must navigate a fragmented system to obtain critically needed work-supporting services & benefits.
· April 2010 Brief; Improving Access to Public Benefits
· The Culture of Money; The Impact of Race, Ethnicity, & Color on the Implementation of Asset Building Strategies
· FES; Pursuit of the Dream, Building Credit For Life
· Upside Down, the $400 Billion Federal Asset-Building Budget
· Integrated Approach to Fostering Family Economic Success
The Carsey Institute builds knowledge for families & communities by providing data & analysis in community case studies that illustrate critical challenges & useful strategies.
· Policy Brief No.16 PDF
· Issue Brief No.10 - Winter Issue
National Center for Children in Poverty (NCCP)
The National Center for Children in Poverty (NCCP) is the nation’s leading public policy center dedicated to promoting the economic security, health, & well-being of America’s low-income families & children.
· February 2010 Brief; Asset Poverty & Debt Among Families with Children
The National League of Cities
The National League of Cities mission is to strengthen & promote cities as centers of opportunity, leadership & governance. NLC provides training to municipal officials, holds conferences, lobbies & provides assistance to cities in educational issues.
· Innovative Programs to Help Residents Build Credit, Webinar- June 24, 201
· Helping Families Achieve Financial Stability, Issue # 9- for municipal leaders
· FES Newsletter & Resource Listing- Fall 2009
The Urban Institute
Urban Institute analysts have proposed new initiatives to protect low-income working families & help them get ahead.
· Brief 14, June 2010; Childhood Poverty Persistence: Facts & Consequences
· Paper 17, March 2010; Measuring Poverty at the State Level
NPC's Policy Brief #13
The National Poverty Center’s Policy Brief series summarizes key academic research findings & highlights implications for policy. The #13, November 2008 edition focuses on Access to financial Services, Savings, & Assets Among the Poor.