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Can Games Build Financial Capability?

This report explores Doorways to Dreams' (D2D) current thinking about how casual financial literacy video games can lead to improvements in financial capability. This report provides a systematic review of all the data gathered by the Financial Entertainment initiative at the D2D Fund regarding the ability of how it can positively affect the economic lives of low- to moderate-income Americans.

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From Cashing Checks to Building Assets: A Case Study of the Check Cashing/Credit Union Hybrid Service Model

This case study examines the pilot effort of Community Trust Prospera (CT Prospera), a division of Self-Help Federal Credit Union, to combine the accessible services of a check-casher with the longer-term depository and lending relationship opportunities of a mainstream financial institution. While the pilot is still underway and new findings are constantly emerging, this report is intended to...

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Increasing Financial Capability among Economically Vulnerable Youth: MY Path

This report describes Make Your Path (MY Path), an initiativethat provides disadvantaged youth with peer-led financial capability trainings, a savings account at a mainstream financial institution, and incentives to set and meet savings goals. It also highlights a pilot program with ten agencies that participated in San Francisco’s largest youth employment program.

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| 2013

Inequality in the Social Security Debate

This report shows how benefit cuts would impact health industry CEOs versus home health aides: The nearly 100 CEOs who are leading Fix the Debt, a large, well-funded corporate lobby group, have relatively little to lose from cuts to these benefit programs, particularly when compared with low-wage workers.

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Retirement Savings among Lower-Income Adults: Challenges and Opportunities to Improve the Effectiveness of the Saver’s Tax Credit

Findings from this brief indicate that the Saver’s Tax Credit, as it is currently structured, represents a missed opportunity. With approximately 77 million adults in the U.S. reaching retirement age in the next 20 years, improvements to the structure and design of this incentive could have broad-reaching benefits for millions of families. The authors present a set of concrete recommendations...

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Categories: Asset Preservation
| 2013

Something Old, Something New in Tax-Time Financial Products: Refund Anticipation Checks and the Next Wave of Quickie Tax Loans

This report looks at replacement products for Refund Anticipation Loans (RALs) - Refund Anticipation Checks (RACs) and tax-time loans made by payday lenders and other non-bank businesses (non-bank RALs). It provides general information on RACs, including issues they may present for customers, and provides some examples of non-bank RALs that may be more expensive or riskier for consumers than...

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Categories: Asset Preservation
| 2013

At a Crossroads: Lessons from the Home Affordable Modification Program (HAMP)

National loan modification standards should incorporate the successes of the Home Affordable Modification Program (HAMP), which provided for increased access to sustainable modifications for many homeowners, but without strong mandates and real consequences for noncompliance, servicers will continue to implement modifications haphazardly or not at all. Drawing on the lessons of HAMP, this...

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| 2013

Assets, Economic Opportunity, and Toxic Stress

Abstract:

A large body of evidence indicates that socioeconomic status (SES) is a strong predictor of school achievement, college graduation and child outcomes in general. Better developmental and health outcomes are strongly associated with family assets, income and education. We introduce a model incorporating a range of theoretical and empirical literature about the relationships between a...

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Categories: Asset Preservation
| 2013

How Much Protection Does a College Degree Afford?

Past research from Pew’s Economic Mobility Project has shown the power of a college education to both promote upward mobility and prevent downward mobility. In the wake of the Great Recession, however, many have questioned whether the advantageous market situation of college graduates has suffered under the pressure of the economic downturn.

This report, How Much Protection Does a College...

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Categories: Asset Preservation
Research | | 2013

New NCLC report: Roadmap for Mortgage Servicing Reform

Today, NCLC released a new report that analyzes the successes, failures, and potential of the government’s Home Affordable Modification Program (HAMP) as a roadmap to effective mortgage servicing reform. The CFPB is expected to release final rules on mortgage servicing later this week, making the report timely. In writing the report, NCLC attorneys drew on the available quantitative data.

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Interviews with Mothers of Young Children in the SEED for Oklahoma Kids College Savings Experiment

Working with a team at the University of Oklahoma-Tulsa, CSD has recently published a report from face-to-face in-depth interviews with 60 of these mothers—40 from the treatment group and 20 from the control group. Mothers were interviewed when their children were approximately 2 or 3 years old. The report provides remarkable insights into mothers’ financial backgrounds, attitudes and goals.

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Small Accounts, Big Potential

In one of the most exciting events for the asset field during 2012, the Department of Education announced a new college savings account research demonstration project, which will be implemented within the Gaining Early Awareness and Readiness for Undergraduate (GEAR UP) program. The demonstration will test the effectiveness of pairing new federally supported college savings accounts with GEAR...

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Categories: General Resources

CFED: Federal Tax Breaks: Who Benefits?

The federal government spends $500 billion a year on tax breaks aimed at helping Americans build assets and wealth. But more than half of these benefits go to the top 5 percent of Americans earningmore than $167,000 a year. Turning this upside-down system right side up can help more Americans achieve financial security and success. Learn more at www.cfed.org.

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