— Reid, Caroline. K. "Achieving the American Dream? A Longitudinal Analysis of the Homeownership Experiences of Low-Income Households." Working Paper 04-04. Seattle: Center for Studies in Demography and Ecology, University of Washington, 2004. (PDF file) — Ruggles, Patricia, and Robertson Williams. "Longitudinal Measures of Poverty: Accounting for Income and Assets over Time." Review of Income & Wealth 35, no. 3 (1989): 225-43. — Smith, James P. "Healthy Bodies and Thick Wallets: The Dual Relation between Health and Economic Status." Journal of Economic Perspectives 13, no. 2 (1999): 145-66. — Smith, James P. "Racial and Ethnic Difference in Wealth in the Health and Retirement Study." The Journal of Human Resources 30, supplement (1995): S158-83. — Sullivan, James X. "Borrowing During Unemployment: Unsecured Debt as a Safety Net." Notre Dame, IN: University of Notre Dame, 2005. Demographics of Asset-Holding — Belsky, Eric, and Allegra Calder. "Credit Matters: Low-Income Asset Building Challenges in a Dual Financial Service System." Working Paper BABC 04-1. Cambridge, MA: Joint Center for Housing Studies, Harvard University, 2004. (PDF file) — Caner, Asena, and Edward N. Wolff. "Asset Poverty in the United States: Its Persistence in an Expansionary Economy." Public Policy Brief 75. Annandale-on-Hudson: Levy Economics Institute of Bard College, 2004. — Carasso, Adam, and Signe-Mary McKernan. "The Balance Sheets of Low-Income Households: What We Know about Their Assets and Liabilities." Slides in the presentation "Poor Finances: Assets and Low-Income Households." Washington: The Urban Institute, 2006. — Haveman, Robert, and Edward N. Wolff. "Who Are the Asset Poor? Levels, Trends, and Composition, 1983-1998." In Inclusion in the American Dream: Assets, Poverty and Public Policy, edited by Michael Sherraden (61-86). New York: Oxford University Press, 2005. — McKernan, Signe-Mary, and Henry Chen. "Small Business and Microenterprise as an Opportunity- and Asset-Building Strategy." Opportunity and Ownership Project Brief 3. Washington, DC: The Urban Institute, 2005. — Wolff, Edward N. "Changes in Household Wealth in the 1980s and 1990s in the U.S." Working Paper 407. Annandale-on-Hudson, NY: The Levy Economics Institute at Bard College, 2004. Influences on Savings/Asset Holdings — Anderson, Steven G., Jeff Scott, and Min Zhan. "Targeting Financial Management Training at Low-Income Audiences." Journal of Consumer Affairs 38, no. 1 (2004): 167-77. — Bernheim, Douglas B. "Financial Illiteracy, Education, and Retirement Saving." In Living with Defined Contribution Pensions, edited by Olivia S. Mitchell and Sylvester J. Schieber (38-68). Pension Research Council. Philadelphia: University of Pennsylvania Press, 1998. — Burman, Leonard E., William G. Gale, Matthew Hall, and Peter Orszag. "Distributional Effects of Defined Contribution Plans and Individual Retirement Accounts." Tax Policy Center Discussion Paper 16. Washington, DC: The Urban Institute, 2004. — Carasso, Adam, C. Eugene Steuerle, and Elizabeth Bell. "How to Better Encourage Homeownership." Issues and Options Brief 12. Washington, DC: The Urban Institute, 2005. — Hogarth, Jeanne, Marianne Hilgert, and Sondra Beverly. "Patterns of Financial Behaviors: Implications For Community Educators and Policymakers." Washington, DC: Division of Research and Statistics, Board of Governors of the Federal Reserve System, 2003. — Hubbard, R. Glenn, Jonathan Skinner, and Stephen P. Zeldes. "Precautionary Saving and Social Insurance." Journal of Political Economy 103, no. 2 (1995): 360-99. — Kempson, Elaine, Stephen McKay, and Sharon Collard. Incentives to Save: Encouraging Saving among Low-Income Households. Bristol, United Kingdom: Personal Finance Research Centre, University of Bristol, 2005. (PDF file) — Kennickell, Arthur B., and Annika E. Sunden. "Pensions, Social Security, and the Distribution of Wealth." Washington, DC: Board of Governors of the Federal Reserve System, 1997. (PDF file) — Lerman, Robert I., and Elizabeth Bell. Financial Literacy Strategies: Where Do We Go from Here? Opportunity and Ownership Report 1. Washington, DC: The Urban Institute, 2006. — Lupton, Joseph, and James P. Smith. "Marriage, Assets, and Savings." Labor and Population Program Working Paper 99-12. Santa Monica, CA: The RAND Corporation, 1999. — Neuberger, Zoe, Robert Greenstein, and Eileen Sweeney. Protecting Low-Income Families' Savings: How Retirement Accounts Are Treated in Welfare-Tested Programs and Steps to Remove Barriers to Retirement Saving. Report 2005-6. Washington DC: Retirement Security Project, 2005. (PDF file) — Nichols, Joseph B. "Mortgage Contracts and the Heterogeneity in the Total Return on Housing." Washington, DC: Division of Research and Statistics, Board of Governors of the Federal Reserve System, 2005. — Schreiner, Mark and Michael Sherraden. Can the Poor Save? Saving and Asset Accumulation in Individual Development Accounts. New York: Aldine de Gruyter, forthcoming. — Sullivan, James X. "Welfare Reform and Vehicle Ownership for the Poor: Do Asset Tests and Vehicle Exemptions Matter?" Notre Dame, IN: University of Notre Dame, 2004. (PDF file) Effects of Asset Holding — Green, Richard, and Michelle White. "Measuring the Benefits of Homeowning: Effects on Children." Journal of Urban Economics 41 (1997): 441-61. (PDF file) — Haurin, Donald R., Toby L. Parcel, and R. Jean Haurin. "The Impact of Homeownership on Child Outcomes." In Low-Income Homeownership: Examining the Unexamined Goal, edited by N.P. Retsinas, and E.S. Belsky (427-46). Washington, DC: Brookings Institution Press and Harvard University Joint Center for Housing Studies, 2002. — Mayer, Susan, and Christopher Jencks. "Poverty and the Distribution of Material Hardship." The Journal of Human Resources 24, no. 1 (1989): 88-114. — Yadama, Gautam, and Michael Sherraden. "Effects of Assets on Attitudes and Behaviors: Advance Test of a Social Policy Proposal." Social Work Research 20 (1996): 3-11. — Zhan, Min, and Michael Sherraden. "Assets, Expectations, and Children's Educational Achievement in Female-Headed Households." Social Service Review 77, no. 2 (2003): 191-211. |