Women Are Better than Men at Paying Their Mortgages

Women Are Better than Men at Paying Their Mortgages. Urban Institute. Laurie Goodman et al. September 6, 2016.

Female-only borrowers pay more for their mortgages than male-only borrowers, because they have weaker credit characteristics and a higher percentage of those loans are subprime. Our analysis shows, however, that these weaker credit characteristics do not accurately predict how well women pay their mortgages. Instead, female-only borrowers are doing a better job of paying their mortgages than their credit characteristics predict.This is particularly important because more than one-third of female-only borrowers are minorities and almost half of them live in low-income communities. [Note: contains copyrighted material].

[HTML format, various paging].

The Cost of Welfare Use By Immigrant and Native Households

The Cost of Welfare Use By Immigrant and Native Households. Center for Immigration Studies. Jason Richwine. May 2016.

The study of immigration and welfare use, shows that 51 percent of immigrant-headed households (legal and illegal) use at least one federal welfare program, compared to 30 percent of native households. “Welfare” refers to means-tested anti-poverty programs. These include direct cash assistance in the form of Supplemental Security Income (SSI) and Temporary Assistance for Needy Families (TANF); food aid such as free school lunch, the Women, Infants, and Children (WIC) nutrition program, and food stamps; Medicaid; and housing assistance in the form of rent subsidies and public housing. Not included are social insurance programs for which participants must generally pay into the system before drawing benefits, such as Social Security and Medicare. [Note: contains copyrighted material].

[PDF format, 18 pages, 1.48 MB].

A Theoretical Framework for Two-Generation Models: Lessons from the HOST Demonstration

A Theoretical Framework for Two-Generation Models: Lessons from the HOST Demonstration. Urban Institute. Molly M. Scott et al. January 15, 2016.

Two-generation models target low-income children and their parents in hopes of interrupting the cycle of poverty. These models vary widely, and policymakers and practitioners need guidance on how best to design them. The brief uses insights from the Housing Opportunities and Services Together Demonstration to present an updated theoretical framework for these models. The framework emphasizes the importance of using family goals to target individual family members, setting individual goals, and aligning tailored and appropriate solutions. This lens also emphasizes prioritizing relationship-building over programs and designing flexible evaluation approaches, while working for systems change to support families in their efforts. [Note: contains copyrighted material].

[PDF format, 11 pages, 311.6 KB].

Fatherhood Initiatives: Connecting Fathers to Their Children

Fatherhood Initiatives: Connecting Fathers to Their Children. Congressional Research Service, Library of Congress. Carmen Solomon-Fears. November 10, 2015.

In 2014, almost 25% of families with children (under age 18) were maintained by mothers. According to some estimates, about 50% of children born in the United States will spend a significant portion of their childhood in a home without their biological father. Research indicates that children raised in single-parent families are more likely than children raised in two-parent families (with both biological parents) to do poorly in school, have emotional and behavioral problems, become teenage parents, and have poverty-level incomes. In hopes of improving the long-term outlook for children in single-parent families, federal, state, and local governments, along with public and private organizations, are supporting programs and activities that promote the financial and personal responsibility of noncustodial fathers to their children and increase the participation of fathers in the lives of their children. These programs have come to known as “responsible fatherhood” programs.

[PDF format, 33 pages, 818.9 KB].

Welfare Use by Legal and Illegal Immigrant Households

Welfare Use by Legal and Illegal Immigrant Households. Center for Immigration Studies. Steven A. Camarota. September 2015.

The report separates legal and illegal immigrant households and estimates welfare use using the Census Bureau data. The analysis shows that legal immigrant households make extensive use of most welfare programs, while illegal immigrant households primarily benefit from food programs and Medicaid through their U.S.-born children. Low levels of education, not legal status, is the main reason immigrant welfare use is high. [Note: contains copyrighted material].

[PDF format, 17 pags, 1.32 MB].

Philanthropy, Welfare Capitalism or Radically Different Global Economic Model: What Would It Take to End Global Poverty within a Generation Based on Historical Growth Patterns?

Philanthropy, Welfare Capitalism or Radically Different Global Economic Model: What Would It Take to End Global Poverty within a Generation Based on Historical Growth Patterns? Center for Global Development. Peter Edward and Andy Sumner. Web posted on September 8, 2015.

The paper considers the effectiveness and efficiency of global growth, as a route to poverty reduction, since 1990 and then demonstrates the redistributive challenges implicit in various poverty lines and scenarios. [Note: contains copyrighted material].

[PDF format, 36 pages, 796.8 KB].

Bridging the Gap: Exploring the Intersection of Workforce Development and Child Care

Bridging the Gap: Exploring the Intersection of Workforce Development and Child Care. Urban Institute. Gina Adams et al. May 14, 2015.

New economic realities have focused attention on how to best design workforce development strategies to help low-wage and low-skill workers succeed. Lack of child care is one important barrier that can make it difficult for low-income parents to successfully participate in education and training programs. The report provides an overview of the child care and workforce development systems, and discusses the issues that lie at the intersection of these two worlds. It concludes with a description of next steps for policymakers and practitioners in each domain, and important questions that still need to be examined. [Note: contains copyrighted material].

[PDF format, 56 pages, 714.63 KB].