Publications
Neighborhoods and the Black-White Mobility Gap
Source: Economic Mobility ProjectThis report explores one potentially important factor behind the black-white mobility gap: the impact of neighborhood poverty rates experienced during childhood.
PDF: Half A Million Older Californians Living Alone Unable to Make Ends Meet
Source: UCLA Center for Health PolicyThis policy brief examines the economic state of the elderly in California. This brief argues that the elderly in California lack sufficient income to pay for a minimum level of housing, food, health care, transportation and other basic expenses.
Laying the Foundation for National Prosperity
Source: INSIGHTA comprehensive analysis of the growing racial gap in the United States.
American Dream 2.0
Source: EARN and APICThis white paper offers a series of actionable strategies on homeownership policy for California's business, nonprofit, and government leaders. At the Assets and Homeownership Symposium, APIC and the Federal Reserve Bank of San Francisco's LA Branch convened leaders across sectors and industries to engage in a conversation that led to some of the strategies outlined in this report.
Asset Policy Initiative of California
Source: Community Investments MagazineThis paper provides a brief history of EARN’s policy arm the Asset Policy Initiatve of California. Additionally, it explores the process EARN underwent to articulate the asset policy framework which drives our policy and research at the state and federal level.
Bank on San Francisco Case Study
Source: CFEDBank on San Francisco Initiative Case Study.
EARN IDA Overview
Source: EARNAn overview of EARN's Individual Development Accounts.
Economic State of Young America
Source: DemosEconomic State of Young America, a report released by Demos finds that the cost of a college degree is increasing at an alarming rate. Since 1980, the cost of tuition at public 4-year universities has more than doubled, after adjusting for inflation. To fill this gap, students are increasingly turning to high cost products like private student loans that can have interest rates as high as 19%.
Establishing an Individual Development Account Program
Source: EARNEARN is a leader in the Individual Development Account (IDA) field with over 2,300 accounts opened. In this practice brief we identify lessons learned from over 8 years of experience delivering a highly effective and efficient IDA program. This practice brief should be a guide for individuals and agencies interested in establishing an IDA program in the United States.
Income is No Shield Against Racial Differences
Source: NCRCAccording to this report, minority consumers, regardless of income level, are most at risk of receiving high-cost home mortgage loans. High-cost loans represent the riskiest and most poorly underwritten home mortgages, millions of which have fallen into foreclosure in the last two years.
Still Working Hard, Still Falling Short
Source: Working Poor Families ProjectThe American Dream is grounded in the belief that hard work alone leads to economic advancement and self-sufficiency. Today the stark reality is that too many American families, despite working hard, earn incomes too low to achieve economic security.
Taking the Pay Out of Payday
Source: California Budget ProjectThe California Budge Project (CBP) just released a new report, Payday Lending: Taking the Pay Out of Payday that examines how payday loans work, who uses them, and why Californians use payday loans.
The Race and Gender Wealth Gap
Author: Karuna JaggarSource: Race Poverty and the Environment
In Urban Habitat's journal, Race Poverty and the Environment, Karuna Jaggar exposes the shocking inequalities of wealth in the US and makes a compelling case for microenterprise development as a key strategy in tackling this growing problem.
Tweny-First Century Ownership
Source: Community Investments MagazineTwenty-First Century Ownership, a new article published in Community Investments magazine explores new and diverse models of ownership that have emerged in communities across the country. These models offer a different basis to building wealth for community development and economic recovery, and a potentially more sustainable and equitable economic system.
Assets, Inequality, and the Transition to Adulthood
Source: Initiative on Financial SecurityAdults raised in lower-income but high-wealth households are more likely to graduate high school and enroll in college than adults from lower-income and low-wealth households. The findings of this study reveal that household wealth in early childhood significantly improves the likelihood that these children will go on to graduate from high school, enroll in college, and even establish their own independent checking and savings accounts.
