The Culture of Money

The Impact of Race, Ethnicity, and Color on the Implementation of Asset-Building Strategies

This report, prepared for the Casey Foundation, provides a new lens for understanding the cultural, historic, and economic factors that impact consumer choice in target communities of color. It emphasizes the critical importance of developing an accurate profile of a program’s target audience or market before designing implementation strategies. It also provides examples of how community-level practitioners and program managers have considered racial and ethnic dynamics and adapted mainstream strategies to their clientele.

January 1, 2006

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The Center for Working Families FES

Helping Families Achieve Economic Success

This brief provides an overview of the Center for Working Families’ framework and goals. The Center for Working Families® (CWF) is an approach to help low-income families reach financial stability and move up the economic ladder.

January 1, 2006

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A House of Cards: Refinancing the American Dream

Borrowing to Make Ends Meet

Due to ever-increasing financial pressures, families often depend on high-cost credit as a way to bridge the gap between stagnant or decreasing incomes and rising costs. This third brief in the Borrowing to Make Ends Meet series examines rising debt and debt burdens, as well as the consequences of leveraging equity. 

September 5, 2005

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Building Family Economic Success: Individual Development Accounts (IDAs) and Other Savings Tools

This brief spotlights the power — and untapped potential — of Individual Development Accounts, which offer low-income families a unique opportunity to save money and build assets. This fact sheet is one installment in a 10-part series, called Building Family Economic Success, that highlights how the Foundation is helping to economically empower families across America.    

August 1, 2005

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Building Family Economic Success: Homeownership and Predatory Lending

This fact sheet tells how a surge in predatory lending practices is dampening the already elusive dream of homeownership for many low-income families. Readers will learn what the Annie E. Casey Foundation is doing to reverse this trend and help all of America’s families afford — and then afford to keep — their very own homes. It is one installment of a 10-part series that highlights how the Foundation is helping to economically empower families across the country.   

August 1, 2005

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Building Family Economic Success: Centers for Working Families

The Centers for Working Families model champions one-stop support shops for families with fragile finances. The goal? Help these households achieve meaningful economic milestones by eliminating access barriers and bundling vital services together in one physical location. This document—which introduces the model and examines its expansion potential—is one installment in a 10-part series that highlights the Annie E. Casey Foundation’s efforts to economically empower families across America.    

August 1, 2005

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Building Family Economic Success: Financial Services

This two-page fact shares ideas on helping low-income, working families avoid financial pitfalls while building brighter futures (assets and savings included!). It is one installment in a 10-part series that shares how the Foundation is helping to economically empower families across the country.          

August 1, 2005

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Costly Credit: African Americans and Latinos in Debt

Borrowing to Make Ends Meet Briefing Paper #5

While there were income gains in the late 1990s, the average American’s credit card debt rose faster than ever before. This paper documents the dramatic rise in credit card debt and provides a snapshot of these trends by race between 1992 and 2001.

May 1, 2005

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