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The Role of Emergency Savings in Family Financial Security: Barriers to Saving and Policy Opportunities

January 7, 2016

This brief is the third in a series of three that explore how financial shocks and emergency savings are related to families' financial well-being. Savings may help households cope with unexpected expenses and preserve wealth over the long run. Understanding the frequency and impact of events that might strain budgets, and the resources families have to cope with them, is crucial to building policies that promote financial health.This brief explores how Americans think about their savings; how policymakers might enable diverse families to better prepare for, handle, and recover from financial challenges; and related economic factors that should be considered to ensure that policies and programs respond to families' needs.

What Resources Do Families Have for Financial Emergencies?

November 18, 2015

This brief is the second in a series of three that explore how financial shocks and emergency savings are related to the financial well-being of families. Savings may help households cope with unexpected expenses and preserve wealth over the long run. Understanding the frequency and impact of events that might strain budgets, and the resources families have to cope with them, is crucial to building policies that promote financial well-being.

The Role of Emergency Savings in Family Financial Security: How Do Families Cope with Financial Shocks?

October 28, 2015

This brief is the first in a series of three that explore how financial shocks and emergency savings are related to families' financial well-being. Savings may help households cope with unexpected expenses and preserve wealth over the long run. Understanding the frequency and impact of events that might strain budgets, and the resources families have to cope with them, is crucial to building policies that promote financial health.

The Complex Story of American Debt

July 29, 2015

This report explores a key element of wealth: household debt. Debt is sometimes acquired for mobility-enhancing purposes, such as to pay for college or purchase a home. But debt can also serve as a stopgap for families to cover regular expenses or deal with financial emergencies, especially if their savings are not sufficient. The type and amount of debt that households carry contribute to their wealth and their overall financial health.

Americans' Financial Security: Perception and Reality

March 5, 2015

This issue brief seeks to understand Americans' attitudes about their financial security. It examines the top-level findings from a nationally representative Pew-commissioned survey of more than 7,000 households and from focus groups convened in three major cities.The study finds that Americans are more optimistic about their finances and the economy than they have been in years. At the same time, however, nearly 6 in 10 say they are unprepared for a financial emergency, and only half say their households are financially secure. Retirement is a major concern, and most Americans report having experienced a financial shock in the previous year. The findings suggest that more work needs to be done to help encourage families' economic security today and to chart their path toward economic mobility in the future.As policymakers look for ways to bolster families' economic security, they can use these findings and Americans' own words about their balance sheets and perceptions to aid in the development and design of better, more effective policies.

Lynde and Harry Bradley Foundation, Inc. 2010 Annual Report

August 16, 2011

Contains foundation history, current program interests, grantmaking policies, grant guidelines, 2010 grants list, profiles of Bradley Prize recipients, summary of the Bradley Symposium, financial statements, and lists of board members and staff.

The Fiscal Impact of the Milwaukee Parental Choice Program: 2010-2011 Update and Policy Options

December 20, 2010

Evaluates the net fiscal impact of the voucher program on state and local public funds in terms of spending on students and the distribution of the impact among property taxpayers in and outside of Milwaukee, state taxpayers, and Milwaukee public schools.

Milwaukee Independent Charter Schools Study: Report on One Year of Student Growth

December 20, 2010

Analyzes results of an evaluation of gains in reading and math scores over one academic year among independent charter school students compared with public school students, by charter school type, student characteristics, and school-switching.

Leaving the Middle Behind -- Wisconsin at a Turning Point

August 31, 2010

Illustrates salient long-term economic, agricultural, demographic, and political trends in the state through the stories of individuals and businesses. Highlights the need to revive the state's strengths as a center of innovation, culture, and democracy.

Public Opinion in Perspective: Wisconsin's Mind on Education

August 31, 2010

Outlines survey findings on Wisconsin residents' views on the quality of public schools and reforms including increased spending, accountability, vouchers, charter schools, online education, and merit pay, compared with Milwaukee and national surveys.

Getting to Zero: Turkey, Its Neighbors and the West

June 21, 2010

Examines Turkey's changing global and regional role; its foreign policy agenda of "zero problems with neighbors" as well as its energy policy, conflict resolution, promotion of democracy, trade, and migration; and underlying regional and domestic changes.

Lynde and Harry Bradley Foundation, Inc. - 2009 Annual Report

June 1, 2010

Contains foundation history, current program interests and new program information, profiles of Bradley Prize recipients, 2009 grants list, grant guidelines, financial statements, and lists of board members and staff.