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Less Than Equal: Racial Disparities in Wealth Accumulation

April 1, 2013

When it comes to economic gaps between whites and communities of color in the United States, income inequality tells part of the story. But let's not forget about wealth. Wealth isn't just money in the bank, it's insurance against tough times, tuition to get a better education and a better job, savings to retire on, and a springboard into the middle class. In short, wealth translates into opportunity.

Private Transfers, Race, and Wealth

August 8, 2011

Examines racial/ethnic disparities in private transfers of financial support from extended families and friends, large gifts, and inheritances, as well as net support received after transfers given; their impact on wealth disparities; and implications.

Childhood Poverty Persistence: Facts and Consequences

June 30, 2010

Examines the persistence and effects of childhood poverty by studying the incidence and duration of poverty among African-American and white children from birth to age 17 and adult outcomes including income, educational attainment, and employment.

Weathering the Storm: Have IDAs Helped Low-Income Homebuyers Avoid Foreclosure?

April 1, 2010

Examines the demographics of low-income families with Individual Development Accounts, matched savings accounts designed to help them save and build assets through homeownership; their loan terms; and foreclosure rates. Discusses policy implications.

Do Assets Help Families Cope With Adverse Events?

December 1, 2009

Compares the extent to which families with liquid assets are better able to maintain their material well-being when adverse events affecting income such as job loss or illness occurs than families without assets. Compares effects by income distribution.

Enabling Families to Weather Emergencies and Develop: The Role of Assets

July 15, 2008

Discusses the need for low-income families to build assets for emergencies and employment gaps as well as for long-term stability. Suggests policies to improve savings and ownership opportunities such as incentives and better regulation of small loans.

Do Welfare and IDA Program Policies Affect Asset Holdings?

May 1, 2008

Analyzes how more lenient state asset tests and eligibility rules, more generous Individual Development Account program rules, and withdrawal restrictions and incentives for restricted savings accounts affect low-income families' asset accumulation.

Portraits of the Assets and Liabilities of Low-Income Families

May 1, 2008

Reviews the assets, debts, and net worth of low-income families compared with middle-income families, as well as those of other at-risk families such as single-parent and minority families. Examines the link between asset holding, net worth, and income.

Self-Employment and Economic Mobility

April 1, 2008

Describes how self-employment may affect mobility differently from wage or salary employment. Reviews research showing how diverse self-employed workers' intragenerational mobility may differ by education, family background, race/ethnicity, and gender.

Capital Access for Women: Profile and Analysis of U.S. Best Practice Programs

July 1, 2006

Examines expert-identified best and promising practices in capital access programs for women among nonprofits, private equity investment groups, and banks. Analyzes factors for success and constraints women entrepreneurs face, and suggests improvements.