Report

Hundreds of thousands of families lost their homes because of loans that were often not fully explained or under¬stood. Beyond the Mortgage Meltdown distills the origins and nature of the crisis in the housing market. Senior Fellow James Lardner highlights the complicity of regulators and lawmakers...
08/11/2011
Publication
From the Harvard Law and Policy Review Since the passage of the Help America Vote Act (HAVA) in 2002, requiring people to present identification to vote has become one of the most controversial and divisive issues in election reform. HAVA necessitates, among other things, that members of...
08/08/2011
Publication
In the Red or In the Black? looks at whether household savings serve to protect families from incurring unsecured debt, and in turn, whether the presence of unsecured debt acts as a barrier to savings and wealth accumulation.
08/08/2011
Publication
Even though more of today's young adults are motivated to seek a postsecondary education, too many of them are sidelined by the financial burden of paying for school while meeting their other financial obligations. This report argues that to increase postsecondary success among low- to moderate-...
08/08/2011
Publication
Building on Living Longer on Less, the first report in a series examining the financial vulnerability of the elderly, this report examines the economic security of African-American and Latino senior households.   LONG-TERM ECONOMIC SECURITY AND RISK  The SFSI finds that  91 percent...
08/08/2011
Publication
For many years, health care costs have been steadily rising. As employers have moved into insurance coverage options with greater out-of-pocket expenses or have stopped providing health care coverage altogether, American families have struggled with the burden of health care costs.  To gain a...
08/08/2011
Publication
Economic insecurity has become the “new normal” in America. Ten million Americans are out of work, and the vast majority of Americans have seen their incomes stagnate or decline over the past decade. Demos’ extensive research on credit card debt among middle- and low-income households has found...
08/08/2011
Publication
The retirement security of American families has crumbled in the past generation. Workers retiring in the next 20 years can expect to receive only 65 percent during retirement of what they made during their working years, a drop of 16 percent from their parents. Foreboding economic forecasts...
08/08/2011
Publication
Available financial aid covers only a fraction of what community college students pay for their education.  To finance their studies, many of them enroll in school only part time and/or work more than 20 hours per week, strategies that increase their likelihood of dropping out. To help address...
08/08/2011
Publication
In today's knowledge-based economy, a college degree is a necessary qualification for entry to the middle class. Over the last 30 years, as real wages for workers with only a high school diploma have fallen, the life outcomes for those with college degrees have diverged from those with only high...
08/08/2011
Publication
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