Building Assets Building Credit
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Building Assets Building Credit
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Author : Nicolas P. Retsinas
language : en
Publisher: Brookings Institution Press
Release Date : 2006-05-25
Building Assets Building Credit written by Nicolas P. Retsinas and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-05-25 with Social Science categories.
Poor people spend their money living day to day. How can they accumulate wealth? In the United States, homeownership is often the answer. Homes not only provide shelter but also are assets, and thus a means to create equity. Mortgage credit becomes a crucial factor. More Americans than ever now have some access to credit. However. thanks in large part to the growth of global capital markets and greater use of "credit scores," not all homeowners have benefited equally from the opened spigots. Different terms and conditions mean that some applicants are overpaying for mortgage credit, while some are getting in over their heads. And the door is left wide open for predatory lenders. In this important new volume, accomplished analysts examine the situation, illustrate its ramifications, and recommend steps to improve it. Today, low-income Americans have more access to credit than ever before. The challenge is to increase the chances that homeownership becomes the new pathway to asset-building that everyone hopes it will be.
Providing Access To Affordable Credit To The Poor
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Author : Julie Birkenmaier
language : en
Publisher: VDM Publishing
Release Date : 2007
Providing Access To Affordable Credit To The Poor written by Julie Birkenmaier and has been published by VDM Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Architecture categories.
Asset building has become an increasingly important component of social welfare policy in recent years. For families seeking to build assets through home ownership, raising credit scores is often a key element of their prepurchase efforts. Low income and minority families in particular can struggle with poor credit scores and seek Homeownership Education and Counseling (HEC) services to assist them to raise their credit score and access affordable mortgage credit. This book examines the effectiveness of credit counseling within HEC services on credit scores. Quantitative data were gathered via preand one year post-counseling credit scores from 203 clients who obtained pre-purchase credit counseling. Qualitative findings from a focus group of HEC credit counselors shed light on the role of credit counselors in HEC services and difficulties encountered in interfacing with the sub-prime mortgage market. This book is addressed to community development, mortgage finance and public policy professionals and researchers.
Financial Capability And Asset Building In Vulnerable Households
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Author : Margaret Sherraden
language : en
Publisher: Oxford University Press
Release Date : 2018-03-28
Financial Capability And Asset Building In Vulnerable Households written by Margaret Sherraden and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-03-28 with Social Science categories.
Financial struggles of American families are headline news. In communities across the nation, families feel the pinch of stagnant and sometimes declining incomes. Many have not recovered from the Great Recession, when millions lost their homes and retirement savings. They are bombarded daily with vexing financial decisions: Which bills to pay? Where to cash checks? How to cover an emergency? How to improve a credit report? How to bank online? How to save for the future? Low- and moderate-income families have few places to turn for guidance on financial matters. Not many can afford to pay a financial advisor to help navigate an increasingly complex financial world. They do their best with advice from family and trusted individuals. Social workers, financial counselors, and human services professionals can help. As "first responders," they assist families and help in finding financial support from public and private sources. But these professionals are too often unprepared to address the full range of financial troubles of ordinary working families. Financial Capability and Asset Building in Vulnerable Households prepares social workers, financial counselors, and other human service professionals for financial practice with vulnerable families. Building on more than 20 years of research, the book sets the stage with key concepts, historical antecedents, and current financial challenges of families in America. It provides knowledge and tools to assist families in pressing financial circumstances, and offers a lifespan perspective of financial capability and environmental influences on financial behaviors and actions. Furthermore, the text details practice principles and skills for direct interventions, as well as for designing financial services and policy innovations. It is an essential resource for preparing the next generation of practitioners who can enable families to achieve economic security and development.
Asset Building And Low Income Families
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Author : Signe-Mary McKernan
language : en
Publisher: The Urban Insitute
Release Date : 2008
Asset Building And Low Income Families written by Signe-Mary McKernan and has been published by The Urban Insitute this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with Business & Economics categories.
Low-income families have scant savings to cushion a job loss or illness, and can find economic mobility impossible without funds to invest in education, homes, or businesses. And though a lack of resources leaves such families vulnerable, income-support programs are often closed to those with a bit of savings or even a car. Considering welfare-to-work reforms, the increasingly advanced skill demands of the American workforce, and our stretched Social Security system, such an approach is inadequate to lift families out of poverty. Asset-based policies--allowing or even helping low-income families build wealth--are an increasingly popular strategy to facilitate financial stability.
Build Your Human Equity Line Of Credit Tm
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Author : Steven E Labroi
language : en
Publisher:
Release Date : 2018-10-22
Build Your Human Equity Line Of Credit Tm written by Steven E Labroi and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-10-22 with categories.
Build Your Human Equity Line of Credit(TM) is a guide to create a "Positively Selfish" position on building a lifetime financial foundation for you and generations to come. Bonus sections: Landing your Airplane to Retirement, Build Your Money Pyramid, Affirmations to Asset building.
Building Inclusive Financial Systems
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Author : Michael S. Barr
language : en
Publisher: Rowman & Littlefield
Release Date : 2007-11-01
Building Inclusive Financial Systems written by Michael S. Barr and has been published by Rowman & Littlefield this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007-11-01 with Business & Economics categories.
Broad-based and inclusive financial systems significantly raise growth, alleviate poverty, and expand economic opportunity. Households, small enterprises, and the rural poor often have difficulty obtaining financial services for a multitude of reasons, including transaction costs, perceived risk, inadequate infrastructure, and information barriers. Yet many financial institutions are now making profitable inroads into underserved markets through formal banking, investment in equities, venture capital, postal banks, and microfinance. Access to Finance addresses the challenges of making financial systems more inclusive, emulating successful ventures in new markets, and utilizing technologies and government policies to support the expansion of financial access. The contributors examine many dimensions of financial access, including: • Measuring financial access • Understanding the impact of expanded access • Examining alternative institutional models • Exploring new technologies and information infrastructure • Evaluating government policies toward outreach.
Building Assets For Low Income Families
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Author : United States. Congress. Senate. Committee on Finance. Subcommittee on Social Security and Family Policy
language : en
Publisher:
Release Date : 2005
Building Assets For Low Income Families written by United States. Congress. Senate. Committee on Finance. Subcommittee on Social Security and Family Policy and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Business & Economics categories.
The Value Of Debt In Building Wealth
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Author : Thomas J. Anderson
language : en
Publisher: John Wiley & Sons
Release Date : 2017-02-06
The Value Of Debt In Building Wealth written by Thomas J. Anderson and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-02-06 with Business & Economics categories.
The book of financial wisdom that your future self will thank you for reading For many adults under 40, 'debt' is a four-letter word—something that should be avoided but is all too often unavoidable. In The Value of Debt in Building Wealth, bestselling author Thomas J. Anderson encourages you to rethink that. You'll walk away from this book with an understanding of how you can use debt wisely to secure the financial future you envision for yourself and your family. Student loans, mortgages, lines of credit, and other forms of debt are all discussed in detail, with a focus on smart planning for those who are accumulating assets—and debt—now. Should you rent or buy? How important is liquidity? What is good versus bad debt? How much debt should you have? What debt-to-income and debt-to-asset ratios should you aim for? Fixed debt or floating debt? What's the best way of saving for college and retirement? These are big questions that deserve thorough answers because the choices you make now could influence the course of your life. This thought-provoking book will open your eyes to savvy financial strategies for achieving your goals faster and with healthier bank accounts. Explore strategies for smart debt management, explained by one of the nation's top financial advisors Gain an understanding of investment basics and key financial concepts you'll need to achieve your long-term goals Understand the risks of having debt and the potential risks of being debt-free Make financial decisions now that will maximize your wealth, freedom, and opportunity later This book is not about buying things you cannot afford. It is about liquidity, flexibility and optimizing your personal balance sheet. The Value of Debt in Building Wealth is full of ideas you can apply to your own situation—no matter what your current asset level. Read this book today and thank yourself later.
Financial Capability And Asset Building With Diverse Populations
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Author : Julie Birkenmaier
language : en
Publisher: Routledge
Release Date : 2018-12-07
Financial Capability And Asset Building With Diverse Populations written by Julie Birkenmaier and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-12-07 with Social Science categories.
Global economic recovery in the aftermath of the Great Recession has not been experienced equally: while the share of wealth owned by the richest 3% has grown, the share owned by the poorest 90% continues to decline, as reported by Oxfam in 2016. This wealth divide disproportionately affects racial and ethnic minority communities. This book underscores the importance of financial capability and asset building (FCAB) practice, policy and research during a period when vulnerable populations face increasingly difficult economic and financial realities. At the same time, retrenchment and privatization of government-sponsored social services have eroded the safety net available for families experiencing poverty or near-poverty conditions. The proliferation of products and services available from both formal and informal financial institutions highlights the need to promote FCAB to avoid and/or recover from financial difficulties, crises and poverty. The contributors to this volume disseminate findings from interventions designed to increase financial knowledge, financial management and financial access across several vulnerable populations, including immigrant communities. Further, they demonstrate the need for culturally sensitive FCAB service delivery, considering opportunities and barriers posed by past and current life situations, experiences and environments experienced by different populations. The book is aimed at policymakers, researchers and practitioners who assist financially vulnerable people. This book was originally published as a special issue of the Journal of Community Practice.
Segregation
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Author : James H. Carr
language : en
Publisher: Taylor & Francis
Release Date : 2008
Segregation written by James H. Carr and has been published by Taylor & Francis this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with Business & Economics categories.
Segregation: The Rising Costs for America documents how discriminatory practices in the housing markets through most of the past century, and that continue today, have produced extreme levels of residential segregation that result in significant disparities in access to good jobs, quality education, homeownership attainment and asset accumulation between minority and non-minority households. The book also demonstrates how problems facing minority communities are increasingly important to the nation's long-term economic vitality and global competitiveness as a whole. Solutions to the challenges facing the nation in creating a more equitable society are not beyond our ability to design or implement, and it is in the interest of all Americans to support programs aimed at creating a more just society. The book is uniquely valuable to students in the social sciences and public policy, as well as to policy makers, and city planners.