A Fragile Balance: Emergency Savings and Liquid Resources for Low-Income ConsumersFrom Collins, J. Michael (EDT)
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A Fragile Balance: Emergency Savings and Liquid Resources for Low-Income ConsumersFrom Collins, J. Michael (EDT)
Ebook Download : A Fragile Balance: Emergency Savings and Liquid Resources for Low-Income ConsumersFrom Collins, J. Michael (EDT)
A Fragile Balance examines strategies to promote emergency savings, especially among underserved households.
A Fragile Balance: Emergency Savings and Liquid Resources for Low-Income ConsumersFrom Collins, J. Michael (EDT)- Amazon Sales Rank: #2756533 in Books
- Brand: Collins, J. Michael (EDT)
- Published on: 2015-03-12
- Released on: 2015-03-12
- Original language: English
- Number of items: 1
- Dimensions: 8.85" h x .78" w x 5.68" l, .0 pounds
- Binding: Hardcover
- 234 pages
About the Author Dan Ariely, Duke University, USA Sonya Caesar, Community College of Baltimore County, USA Krista Comer, Washington University in St. Louis, USA Jessica Dorrance, University of North Carolina, USA Karan Gill, King County Council, WA, USA Leah Gjertson, University of Wisconsin-Madison, USA Michal Grinstein-Weiss, Washington University in St. Louis, USA Jayson Halladay, Piggymojo, USA Karen Heisler, Rural Dynamics Inc., USA Sharon Henderson, Prosperity Works, USA Ingrid Holguin, Opportunity Fund, USA Clinton Key, The Pew Charitable Trusts, USA Ed Khashadourian, Opportunity to Assets, USA Cäzilia Loibl, The Ohio State University, USA Seth Lutter, Rural Dynamics, Inc., USA Kim Manturuk, Duke University, USA Margaret McKenna, ConTEXT, USA Benita Melton, Charles Stewart Mott Foundation, USA Dana Mills, The Prosperity Agenda, USA Jonathan Mintz, Cities for Financial Empowerment Fund, USA Stephanie Moulton, The Ohio State University, USA Dana Perantie, Washington University in St. Louis, USA Blair Russell, Center for Social Development, USA Anya Samak, University of Wisconsin-Madison, USA Thomas Shapiro, Brandeis University, USA
Where to Download A Fragile Balance: Emergency Savings and Liquid Resources for Low-Income ConsumersFrom Collins, J. Michael (EDT)
Most helpful customer reviews
1 of 1 people found the following review helpful. A Path-Breaking Contribution to the Study of Economic Security By Tim Smeeding A Fragile Balance is an amazingly important and path-breaking contribution to the study of economic insecurity. The lives of the poor and even some middle class households are dominated by the need to make ends meet when outflows (bills, necessary consumption) exceed resources (income, savings, borrowing limits). Indeed the payday loans industry is built around providing an expensive answer to this problem. Whole communities and extended families are sometimes built around finding ways to generate liquidity when unexpected needs beyond their own reach occur.David Shipler’s moving stories about those living on the edge (The Working Poor: Invisible in America, 2005) vividly portrayed the lives of stressed out families where the margins between current living standards and resources were so tight that even minor setbacks could cause devastating chain reactions. For example, an unaffordable car repair occurs so that a worker can’t earn money to meet needs. This leads to job loss, failure to pay rent and a downward spiral that leaves a family in ruins. But while Shipler describes the problem, Collins and co-authors go beyond and help find solutions that work in such situations.The book provides evidence-based strategies to promote emergency savings, especially among underserved households. It is about how household financial management and access to financial assets, loans, transactional accounts and other products can serve to support families in their goals to be financially secure. Each contribution focuses on a different innovative financial product or service that helps make ends meet. Of course, not every solution can work for all people. There is no “magic bullet” solution here, but there is an opportunity to better understand how programs that might help balance the books can and do operate.The goal in the end is to generate workable solutions to provide financial access and encourage asset building among low-income households. The contributors are all seasoned veterans in evaluating programs that offer insights into the role of emergency savings and mechanisms to facilitate savings behaviors. Some strategies work, others fail; but each chapter raises critical questions of the scale, institutional capacity, sustainability, accessibility, and effectiveness of existing or pilot programs. There are insights from behavioral economics and psychology on how to generate savings. There is a condemnation of the ways in which “upside down” tax policy helps the well to do and not those living on the edge. There are chapters on how different methods of benefit provision might increase savings and liquidity at low cost. Also you will find chapters on debt management, financial literacy and new methods employing SmartSave cards to incentivize savings. Collins and Tom Shapiro end the book with a short but important list of key themes for researchers and practitioners.In the end, financial security is the accumulation of hundreds of smaller decisions over the course of weeks, months and years, combined with both predictable and unpredictable shocks—positive (windfall from tax refund) and negative (need for major house or car repair, unforeseen job loss). Financial products and financial literary approaches are tools that can aid in financial decision making. Innovative programs and services, if well designed and targeted, have the potential to help people make choices that are consistent with their personal financial goals. Financial well-being may be a subjective notion that is driven as much by income and expense volatility, or perceptions of volatility, rather than absolute levels of income, consumption or wealth. Time and again, this book suggests methods and practices for stabilizing budgets, incomes, and expenses for highly stressed, low-income families living on the edge between solid financial ground and a steep financial precipice.This volume helps guide the way forward and as such is indispensable for researchers and practitioners trying to help struggling families to help themselves through times of financial adversity.
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