Kirjahaku

Many policymakers argue that the best poverty policy not only provides cash to the poor for subsistence but also incentives and structures that encourage long-term social and economic improvement. As part of this, they make the case for Individual Development Accounts (IDAs), a new policy proposal designed to help the poor save and to build assets. This book explores IDAs to determine their effectiveness.IDAs are matched savings accounts targeted on low-income, low-wealth individuals. Savings in IDAs are used for home ownership, post-secondary education, small business development, and other purposes. Do IDAs work? If they do, for whom? And does how an IDA is designed determine savings outcomes? This volume is the first analysis of matched savings by the poor to use data from monthly bank statements. It comes at a critical time, as debate rages over the merits of individual social security accounts. IDAs also respond to policy that is becoming more asset based and less inclusive of the poor. The authors argue for the efficacy of IDAs to counter this tendency. They find that while savings outcomes vary among participants, no characteristics (such as low income or public assistance) preclude saving. They examine effects of IDA design (the match rate, savings targets, and the use of automatic transfer) on savings results and analyze factors that influence varying rates of saving and spending over time. They conclude that financial education and other support services, though costly, improve savings performance. To address the issue of cost they suggest a two-tier system of IDA design, one with broad access and simple services and the other with targeted access and intensive services.Can the Poor Save? offers a wealth of lessons to those interested in saving and asset accumulation among the poor. It not only breaks new ground in the scientific study of savings behavior, but also offers concrete, evidence-based recommendations to improve policies designed to encourage the poor to save and how to make such policies more inclusive.

Many policymakers argue that the best poverty policy not only provides cash to the poor for subsistence but also incentives and structures that encourage long-term social and economic improvement. As part of this, they make the case for Individual Development Accounts (IDAs), a new policy proposal designed to help the poor save and to build assets. This book explores IDAs to determine their effectiveness.IDAs are matched savings accounts targeted on low-income, low-wealth individuals. Savings in IDAs are used for home ownership, post-secondary education, small business development, and other purposes. Do IDAs work? If they do, for whom? And does how an IDA is designed determine savings outcomes? This volume is the first analysis of matched savings by the poor to use data from monthly bank statements. It comes at a critical time, as debate rages over the merits of individual social security accounts. IDAs also respond to policy that is becoming more asset based and less inclusive of the poor. The authors argue for the efficacy of IDAs to counter this tendency. They find that while savings outcomes vary among participants, no characteristics (such as low income or public assistance) preclude saving. They examine effects of IDA design (the match rate, savings targets, and the use of automatic transfer) on savings results and analyze factors that influence varying rates of saving and spending over time. They conclude that financial education and other support services, though costly, improve savings performance. To address the issue of cost they suggest a two-tier system of IDA design, one with broad access and simple services and the other with targeted access and intensive services.Can the Poor Save? offers a wealth of lessons to those interested in saving and asset accumulation among the poor. It not only breaks new ground in the scientific study of savings behavior, but also offers concrete, evidence-based recommendations to improve policies designed to encourage the poor to save and how to make such policies more inclusive.

This work proposes a new approach to welfare: a social policy that goes beyond simple income maintenance to foster individual initiative and self-sufficiency. It argues for an asset-based policy that would create a system of saving incentives through individual development accounts (IDAs) for specific purposes, such as college education, homeownership, self-employment and retirement security. In this way, low-income Americans could gain the same opportunities that middle- and upper-income citizens have to plan ahead, set aside savings and invest in a more secure future.

Campus Power Struggle traces the explosive evolution of the student political movement from the Berkeley Free Speech Movement of 1964 to armed confrontation at Cornell in 1969. From campus conflict as a microcosm of larger political struggles for self-determination, to student concern about infringements upon personal liberties, the studies in this book provide authoritative insight into unrest on American campuses. This volume represents sociology as the "big news" in its most impressive and involved style. No.l in the series.Contents: Introduction - The Struggle for Power on the Campus (Howard S. Becker). Beyond Berkeley (Joseph Gusfleld). Columbia: The Dynamics of a Student Revolution (Ellen Kay Tnmberger). The Crisis at San Francisco State (James McEvoy and Abraham Miller). Confrontation at Cornell (William H. Fried/and and Harry Edwards'). The Phantom Racist (Rita James Simon and James Carey). Dynamic Young Fogies-Rebels on the Right (Lawrence F. Schiff). Ending Campus Drug Incidents (Howard S. Becker). The Psychiatrist as Double Agent (Thomas Szasz). Student Power in Action (Arlie Hochschild).

Campus Power Struggle traces the explosive evolution of the student political movement from the Berkeley Free Speech Movement of 1964 to armed confrontation at Cornell in 1969. From campus conflict as a microcosm of larger political struggles for self-determination, to student concern about infringements upon personal liberties, the studies in this book provide authoritative insight into unrest on American campuses. This volume represents sociology as the "big news" in its most impressive and involved style. No.l in the series.Contents: Introduction - The Struggle for Power on the Campus (Howard S. Becker). Beyond Berkeley (Joseph Gusfleld). Columbia: The Dynamics of a Student Revolution (Ellen Kay Tnmberger). The Crisis at San Francisco State (James McEvoy and Abraham Miller). Confrontation at Cornell (William H. Fried/and and Harry Edwards'). The Phantom Racist (Rita James Simon and James Carey). Dynamic Young Fogies-Rebels on the Right (Lawrence F. Schiff). Ending Campus Drug Incidents (Howard S. Becker). The Psychiatrist as Double Agent (Thomas Szasz). Student Power in Action (Arlie Hochschild).

This work proposes a new approach to welfare: a social policy that goes beyond simple income maintenance to foster individual initiative and self-sufficiency. It argues for an asset-based policy that would create a system of saving incentives through individual development accounts (IDAs) for specific purposes, such as college education, homeownership, self-employment and retirement security. In this way, low-income Americans could gain the same opportunities that middle- and upper-income citizens have to plan ahead, set aside savings and invest in a more secure future.