Author: Kerstin Gentsch

Stepping Stones Research Update: January 2008

Posted on by Kerstin Gentsch

As part of our ongoing commitment–in partnership with The Urban Institute–to providing information and resources related to the goals of Stepping Stones, please find below summary of recent research on issues of economic security and financial independence for women and their families.

This research is summarized and compiled for The Women’s Foundation by Kerstin Gentsch of The Urban Institute, NeighborhoodInfo DC.

Financial Education and Wealth Creation News

The Effects of Welfare and IDA Program Rules on the Asset Holdings of Low-Income Families
By Signe-Mary McKernan, Caroline Ratcliffe, Yunju Nam
Urban Institute
September 2007

Examines the effects of a comprehensive set of 13 welfare, Food Stamp, individual development account (IDA), earned income tax credit (EITC), and minimum wage program rules on the asset holdings of low-education single mothers and families.  This report finds empirical evidence that more lenient asset limits in means-tested programs and more generous IDA program rules may have positive effects on asset holdings of low-education single mothers and families.

Main Findings:

  • More generous unrestricted asset limits are not associated with increased liquid asset holdings for either low-education single mothers or families.
  • More generous restricted account asset limits are associated with increased liquid asset holdings for low-education single mothers and families.
  • More generous Food Stamp vehicle asset limits are associated with increased vehicle asset holdings for low-education single mothers.
  • Expanded categorical eligibility in the Food Stamp Program is associated with increased vehicle asset holdings for low-education single mothers and families.
  • More generous IDA program rules are associated with increased liquid asset holdings and net worth.
  • A more generous state EITC amount is negatively associated with liquid asset holdings but the percentage of the state EITC that is refundable is positively associated with liquid asset holdings.
  • A more generous state minimum wage for federally covered categories (i.e., covered by the Fair Labor Standards Act) is associated with increased liquid asset holdings, vehicle asset holdings, and net worth.

Abstract and introduction.
Full paper. 

Assessing Asset Data on Low-Income Households: Current Availability and Options for Improvement
By Caroline Ratcliffe, Henry Chen, Trina R. Williams-Shanks, Yunju Nam, Mark Schreiner, Min Zhan, Michael Sherraden
Urban Institute
September 2007

Identifies the most reliable and informative data sources for understanding low-income households’ assets and liabilities, details their limitations, and provides options for improving asset data sources and collection methods.
The four evaluation criteria—relevancy, representativeness, recurrence, and richness of correlates—serve as a framework for assessing how effectively various data sets can provide an understanding of low-income households’ assets and liabilities.  Of the data sets reviewed, only one receives the highest ranking under all four criteria—the PSID. With these high rankings, the PSID has the potential to provide reliable information on low-income households’ assets and liabilities and is identified as a “primary” data set.

Because our primary research question asks that we identify the most informative and reliable data sources for understanding low-income households’ assets and liabilities, any data set designated a “primary data set” should comprehensively measure assets and liabilities (relevance criterion) and be representative of the overall U.S. low-income population (representativeness criterion).

The only other data sets that receive top ratings in these two criteria are the SIPP and SCF. They perform well enough in the other two criteria to also be deemed “primary” data sets.

Abstract and introduction. 
Full report. 

Jobs and Business Ownership News

Low-Income Workers and Their Employers: Characteristics and Challenges
By Gregory Acs and Austin Nichols
Urban Institute
May 2007

Defines and documents the characteristics of low-wage workers and their employers.  This paper finds that about one in four workers, ages 18 to 61, earned less than $7.73 an hour in 2003. Low-wage workers who reside in low-income families with children are substantially less educated than the average worker, are concentrated in industries with low wages, and have limited prospects for wage growth. Many policies aimed at low-wage workers are not well-targeted at workers in low-income families with children, in part because only one in four low-wage workers reside in such families. Nevertheless, policies targeted at low-wage workers may have broad benefits, including improving the lot of low-income families with children.

Abstract and introduction. 
Full paper. 

Place Matters: Employers, Low-Income Workers, and Regional Economic Development
By Nancy M. Pindus, Brett Theodos, G. Thomas Kingsley
Urban Institute
May 2007

Summarizes factors determining locational decisions of businesses and workers, as well as local economic growth, and suggests how employer needs as well as opportunities for low-income workers might be served by successful policies in the areas of housing, transportation, education and workforce development.

In looking at economic development, employer choices, and opportunities for low wage workers through the lens of place, it is clear that the landscape is shifting and policies must adapt accordingly. Spatial mismatch is more than employers and businesses leaving the urban core and poor urban residents lacking transportation to new job centers. Now, some urban centers are revitalizing, the creative class is growing in cities, and some suburbs (especially older suburbs and some outer-ring suburbs) are increasingly diverse and beginning to experience some of the same challenges as cities. And, there is a growing body of evidence that, in a knowledge-based economy, equity and tolerance are good for business. There is a growing consensus that geography of opportunity has changed, and continues to change.

Opportunities for new initiatives:

  • Housing policies that promote “workforce housing” and the deconcentration of poverty by considering the mix of the workforce and matching housing opportunities to that mix.
  • Transportation and other infrastructure funding that supports integration of systems and reduces sprawl by concentrating development near rail and bus hubs (“smart growth”).
  • Aligning workforce and education with economic development by addressing spatial mismatches between training opportunities and where people live and work; improving coordination between employers, workforce development intermediaries, and community colleges; and facilitating cross-firm career mobility within regional labor markets.

Abstract and introduction. 
Full paper. 

Building Skills and Promoting Job Advancement: The Promise of Employer-Focused Strategies
By Karin Martinson
Urban Institute
May 2007

Discusses what we know about employer-focused training, describes three employer-focused training models, and concludes with some key questions to address to assist in moving forward with this type of skill development strategy.  Three types of promising employer-focused job training:

  • Incumbent worker training provided directly at the workplace through employers is a large-scale effort to involve employers in skill building.
  • Sectoral training programs focus on providing training to a cluster of employers in one segment of the labor market.
  • Career ladders: A subset of sectoral initiatives focuses on developing career pathways that lead to higher-paying jobs.

Main challenges:

  • Many sectoral and career ladder initiatives require the involvement of multiple systems, including workforce development, community colleges, the business community, unions, and community groups. It can be difficult to gain the cooperation of all parties needed to enact the type of major changes required by many initiatives.
  • Many employer-focused training programs require substantial resources to plan and implement effective initiatives.
  • While strides forward have been made, it is a continuing challenge to develop training options that effectively reach low-income workers.

Abstract and introduction. 
Full paper. 

Meeting Responsibilities at Work and Home: Public and Private Supports
By Pamela Winston
Urban Institute
May 2007

Summarizes what we know about families’ access to supports, employers’ experiences, and public and employer efforts to expand them.

Paid parental/family leave:
Time for parents and infants to bond is vital to children’s positive development, and long hours in out-of-home care in early infancy pose risks for children’s development, especially in the low-quality settings to which low-income families often have access. The United States is one of only 5 of 173 nations surveyed for a global index that does not have public policies to provide paid time off for parents to care for and bond with a new infant. Further, while some employers and states provide paid parental leave, low-wage workers are least likely to have access to it.

Paid sick leave/paid time off:
Paid time off that can be used for workers’ short-term illnesses or those of their children, routine medical care, involvement in children’s school meetings or activities, or for other family or personal needs can play an important role in fostering family well-being. Almost half (48 percent) of American private-sector workers are estimated to lack any paid sick leave, amounting to over 54 million employees.

Workplace flexibility:
Flexibility for employees to change start or end times, take time out during work hours for emergencies, request shift changes or exemption from mandatory overtime, or otherwise adjust work hours for family obligations can also help parents fulfill their responsibilities to their employers and their families. 57 percent of workers indicated in 2002 they did not have access to traditional flextime.

Child care:
Access to affordable, consistent, and adequate-quality child care available during work hours can make an important difference to parents’ productivity and reliability on the job, and to children’s well-being. As a rule, the child care market does not provide a sufficient supply of affordable adequate-quality care, which can create particular challenges for low-income families. Public programs can provide financial and other support to many low-income families with low-wage workers, but typically many eligible people do not participate in them.

Abstract and introduction. 
Full paper. 

Maternity Leave in the United States: Paid Parental Leave is still not Standard, even among the Best U.S. Employers
By Vicky Lovell, Elizabeth O’Neill, Skylar Olsen
Institute for Women’s Policy Research
August 2007

Analyzes parental leave policies of Working Mother100 Best Companies.

  • Nearly one-quarter (24 percent) of the best employers for working mothers provide four or fewer weeks of paid maternity leave, and half (52 percent) provide six weeks or less.
  • Nearly half of the best companies fail to provide any paid leave for paternity or adoption.
  • While more than one-quarter of companies (28 percent) provide nine or more weeks of paid maternity leave, many of the winners’ paid parental leave policies fall far short of families’ needs.
  • No company provides more than six weeks of paid paternity leave and only 7 of the 100 best companies provide seven weeks or more of paid adoptive leave.

Press release.
Fact sheet. 

Implementation and Sustainability: Emerging Lessons from the Early High Growth Job Training Initiative (HGJTI) Grants
By John Trutko, Carolyn T. O’Brien, Pamela A. Holcomb, and Demetra Smith Nightingale
Urban Institute
April 2007

Summarizes lessons from the early grantees of a major national effort to encourage the development of market-driven strategies addressing business and industry’s workforce challenges.

The discussions revealed insight into four general, interrelated, implementation issues:

1. Establishing and maintaining partnerships

  • Bringing the right partnerships together is critical to success.
  • Successful collaboration requires regular discussions and agreement regarding respective roles and responsibilities of each organization and the specifics of how staff will collaborate and share information.
  • The existence of the HGJTI grants helped partnering organizations to better understand the resources and capabilities of other organizations.
  • Employer partnerships are especially important to ensure that the workforce challenges are accurately defined and the strategies selected meet the current and immediate needs of the sector.
  • Projects operating across large areas, such as in rural locations, face special issues regarding partnerships.

2. Project start-up, development, and design

  • Effective and timely implementation of projects aimed at addressing critical workforce needs depends greatly on recruiting and retaining staff with the necessary occupation-specific skills.
  • Effective training programs should have a strong front-end assessment and recruitment and outreach procedures in place.

3. Targeting and reaching trainees

  • Grantees found that when serving disadvantaged populations and dislocated workers it is important to incorporate supportive services.
  • Recruiting and retaining participants is a major activity for training programs, and a particular challenge when targeting on widely varying populations.
  • At the time grantees were contacted, most had reached or were close to reaching their capacity-building and training goals.

4. Management and meeting federal grant requirements

  • It is important to begin to focus on post-grant sustainability well before grant funds are exhausted.
  • DOL/ETA staff provided various types of technical assistance and guidance to HGJTI grantees, but many needed more federal grants management support.
  • Grantees found that they needed a longer grant performance period.

Abstract and introduction.
Full paper. 

Child Care and Early Education News

Vouchers for Housing and Child Care: Common Challenges and Emerging Strategies
By Margery Austin Turner, Gina Adams, Monica Rohacek, Lauren Eyster
Urban Institute
August 2007

Highlights promising strategies for tackling challenges to housing and child care vouchers’ success.  Vouchers play an important role in federal efforts to help low-income families obtain both housing and child care. These programs constitute essential components of the promise of welfare reform to encourage and support work among low-income families. And both types of vouchers have the potential to enhance long-term outcomes for children.

Although federal housing and child care voucher programs differ in important respects, they also face common challenges. First, the success of both programs in helping families access high-quality services depends upon the supply of these services in the private market and the willingness of providers to accept voucher families. If acceptable rental housing units or child care slots are not available where families need them, vouchers are not effective. In addition, low-income families may face challenges in negotiating the private market, gathering information about available child care or housing options, or identifying providers that meet their needs and offer good quality. Finally, both housing and child care voucher programs have to balance requirements to avoid any overpayment of subsidies (either by serving ineligible families or by miscalculating the appropriate subsidy amount) with a mandate to support work and enhance well-being among low-income families.

Abstract and introduction. 
Full paper. 

Pre-Kindergarten to 3rd Grade (PK-3) School-based Resources and Third Grade Outcome
By Brett V. Brown and Kimber Bogard
ChildTrends
August 2007

Examines multiple PK-3 school based resources that tap into children’s experiences of early elementary grade learn to PK-3 school-based resources by key social groups of children defined by poverty status, parental education, and race/ethnicity.

While the majority of children had access to most positive PK-3 school influences, marked inequalities in access were still found. Unequal access to these school resources were observed by parental education and income level, as well as race and Hispanic origin. The most educationally at risk children (i.e., parents have less than a high school education, family income below the poverty level, Black non-Hispanic children) were the least likely groups of children to access high resource elementary schools. This finding clearly indicates that the quality of elementary schools must be considered when examining questions concerning achievement gaps by income and race/ethnicity.

Our preliminary multi-variate analyses point to some core school variables that predict academic and behavior skills necessary for future success and well-being. Of particular interest are the differential relationships between two clearly defined sets of PK- 3 school-based resources reported in kindergarten, and their relationships to academic and behavior outcomes in third grade. Reading and math scores were consistently predicted by strong principal leadership, high academic standards, and teachers collaboratively developing curricular materials. Teacher turnover, which can be considered indicative of instability within a school, was related to lower rates of self-control and school engagement among third grade children. These findings suggest that there may be PK-3 school-based resources that independently predict academic and behavioral outcomes. Though these results are preliminary, we believe they are the strongest research evidence yet that such factors each have influence over levels of school readiness in young children.

Full paper. 

Health and Safety News

Access to Employer-Sponsored Health Insurance among Low-Income Families: Who Has Access and Who Doesn’t?
By Lisa Clemans-Cope, Genevieve M. Kenney, Matthew Pantell, Cynthia Perry
Urban Institute
September 11, 2007

Examines access to employer-sponsored health insurance among low-income families.

  • In 2003 and 2004, about one in two children in low-income families did not have access to ESI, despite having one or more employed adults in the family.
  • Among low-income working families, families with lower levels of income, families with lower parental education, families where parents work in smaller establishments, and families in which no parent has union representation are all less likely to have access to ESI.
  • Public insurance fills a substantial part of the gap in health insurance coverage left by lack of ESI access for children in low-income working families, but parents without an offer of ESI remain uninsured at high rates. In fact, among families without an ESI offer, children are twice as likely—and parents nearly three times as likely—to be uninsured than families with an offer.

Abstract and introduction. 
Full paper. 

Employer-Sponsored Health Insurance and the Low-Income Workforce: Limitations of the System and Strategies for Increasing Coverage
By Linda J. Blumberg
Urban Institute
May 2007

Outlines the problems with employer-sponsored insurance from the perspective of employers, specifically those employing low-income workers, and discusses potential strategies for addressing them.  Problems with employer-sponsored insurance from the perspective of employers:

  • When employers competing for the same pool of workers tend to offer health insurance, then the pressure to offer such benefits increases for the other employers in that labor market. Likewise, in markets where ESI is not common, the pressure to offer it is significantly lessened.
  • One of the more controversial and complex issues related to the employer decision to offer insurance is whether the incidence of employer premium contributions falls upon the employer or upon the worker. While the best empirical evidence available indicates that, at least in large part, employer payments are passed back to workers via reduced wages, most employers do not believe this is the case.
  • Firms employing significant numbers of modest-wage workers will not be able to offer health insurance to their workers. This is because low-income workers will tend to prefer employment that provides additional wages as opposed to health insurance benefits to a significantly greater extent than will high-income workers.
  • Another aspect of the price of health insurance to employers is labor turnover. The administrative costs associated with health plan enrollment and disenrollment are higher for employers with high-turnover workforces.

Policy options to address shortcomings of the system:

  • Providing government subsidies for insurance coverage.
  • Requiring all residents to obtain a minimum level of insurance: individual mandates.
  • Requiring employers to participate in the financing of health insurance coverage for their workers: employer mandates.
  • Approaches for controlling health care costs.

Abstract and introduction. 
Full paper. 

Other News and Research

The Feminization of Poverty
by Megan Thibos, Danielle Lavin-Loucks, and Marcus Martin
The J. McDonals Williams Institute
May 2007

Examines the evidence for the feminization of poverty and analyzes the factors that contribute to the phenomenon; provides a portrait of feminized poverty at national and local levels; examines the role of public policy in alleviating women’s poverty and proposes policies that could significantly reduce the magnitude of the feminization of poverty.

Two schools of thought on the reasons for the feminization of poverty:

The feminization of poverty exists because of significant changes in the family structure such that households headed by females are not only a larger proportion of households but also are disproportionately impacted by factors contributing to poverty compared with other types of households.

Structural changes in the economy have caused the displacement of many women into occupational sectors that are gender-specific, low-wage, and low-benefit employment opportunities—such as pinkcollar jobs. Moreover, the shift into a knowledge-based economy has meant that those females with the least educational attainment and the least work skills will be least likely to experience work opportunities that can effectively and permanently move them and their families out of poverty.

Our focus is on three broad public policy areas that can have a positive impact on moving female-headed households out of poverty and into the self-sufficiency:

1) Expanding educational opportunities
2) Livable wages
3) Equitable wages and occupational segregation

Full report.

Thanks and see you next month with more research from the Stepping Stones issue areas!

Stepping Stones Research Update: July 2007

Posted on by Kerstin Gentsch

As part of our ongoing commitment–in partnership with The Urban Institute–to providing information and resources related to the goals of Stepping Stones, please find below summary of recent research on issues of economic security and financial independence for women and their families.

This research is summarized and compiled for The Women’s Foundation by Kerstin Gentsch of The Urban Institute, NeighborhoodInfo DC.

Financial Education and Wealth Creation

Some Thoughts About New and Old Asset-Promotion Policies
By Robert I. Lerman
Urban Institute
June 2007

Provides methodological guidance about how to best view and evaluate policies on helping people build assets.

Despite a plethora of proposals for helping people build assets, policy researchers have provided little methodological guidance about how best to view and evaluate these policies. This paper is an initial attempt to move in this direction, drawing on methods for assessing income-tested and social insurance programs and on analyses of public policies dealing with savings, investments, and risks. It examines whether and in what ways the traditional criteria of incentives, progressivity, and equity apply to an assessment of asset-building policies. Further, it discusses how to design an asset policy to deal with the potential social dislocations arising from gentrification.

For abstract and introduction.  
For full report. 

Eligibility for Child Tax Credit by Age of Child
By Leonard E. Burman and Laura Wheaton
Urban Institute
May 22, 2007

Examines child tax credit eligibility by age of child.

The child tax credit (CTC) is a $1,000 partially refundable federal income tax credit for each qualifying child under age 17. In 2007, tax filers may claim a refundable credit (over and above any tax liability) equal to 15 percent of the excess of earnings over $11,750, up to the $1,000 maximum per child. The earnings threshold means that families with very low incomes get no benefit from the credit, and others will receive only a partial credit. This brief analysis shows that many families with young children tend have lower incomes and are thus left out. In 2007, 30 percent of qualifying children under age 2 in working families had family incomes too low to benefit from the full credit, compared with 27 percent of children overall and 24 percent of children 10 and older.

For abstract and excerpt.  
For full report.   

Jobs and Business Ownership News

Reducing Poverty in Washington, D.C. and Rebuilding the Middle Class from Within
By Martha Ross and Brooke DeRenzis
The Brookings Institution
March 2007

Makes a set of recommendations for a workforce development strategy that will increase the skills, earnings, and employment of at least 10,500 low-income, low-skilled residents over the next seven years.

Washington D.C. has experienced job growth, increases in city revenues, and a development boom over the past several years, but too many residents are excluded from local and regional prosperity. Ensuring the District’s future as a vibrant, inclusive city depends on a commitment to increase the middle class from within. This paper from Brookings Greater Washington makes a set of focused recommendations for a workforce development strategy that will increase the skills, earnings, and employment of at least 10,500 low-income, low-skilled residents over the next seven years.

Workforce development, however, should be seen as part of a broader strategy to move the working poor into the middle class. Even with enhanced education and job placement services, many residents will continue to work in low-wage jobs. Polices and programs that support employment and create financial incentives to work can help residents in low-wage jobs make ends meet.

Additionally, an unstable housing situation can make it difficult to find and keep a job or participate in workforce programs. This paper proposes increasing assistance to alleviate the severe housing shortage experienced by the lowest-wage workers. To help working households stay in the city as their incomes increase, this paper also recommends developing workforce rental housing for middle-income families.

By helping more residents enter and advance in the workforce, the city can begin to steady its fiscal base while blurring economic, racial, and geographic divides.

For summary.  
For full report.  

An Economy that puts families first: Expanding the social contract to include family care
By Heidi Hartmann, Aariane Hegewisch, and Vicky Llovell
Economic Policy Institute
May 24, 2007

Focuses on the policy gaps that must be filled to make U.S. workplaces more family friendly.

A comprehensive family policy program is needed to make the U.S. economy more family friendly and to enable workers to combine work and family responsibilities more easily. Such a program is part of a new social contract that should spread the costs of family care beyond the immediate family and help redistribute the burden of care more equitably between men and women within the family. The comprehensive program laid out throughout this briefing paper is ambitious and complex. Here we offer our priorities for policy making in the United States during the next five to 10 years. We present these priorities using our framework of three types of policies: those that subsidize the cost of care; those that provide income replacement while workers are providing care; and those that lead employers to change their behavior and make the jobs they offer more family friendly. We select these priorities based on need and practicality. In virtually all cases workable models exist. Most are not especially expensive, costing less, for example, than the deductibility of mortgage interest costs on owner-occupied housing in the federal personal income tax system.

For full report.

Framework for a New Safety Net for Low-Income Working Families
By Olivia Golden, Pamela Winston, Gregory Acs, Ajay Chaudry
Urban Institute
June 2007

Conceptualizes a framework for a new safety net for low-income working families that is rooted in their most essential needs.

The report is organized around five key goals:

1. Enabling parents to meet their family’s needs while working in lower-wage jobs.
2. Helping families weather gaps in parental employment.
3. Supporting parents’ job advancement.
4. Helping parents combine work and child-rearing.
5. Improving children’s well-being and development.

The paper describes these families’ circumstances, discusses gaps in current safety-net programs, and explores possible alternative approaches to meeting families’ most pressing needs.

For abstract and introduction.  
For full report. 

Child Care and Early Education News

Making Pre-kindergarten Work for Low-income Working Families
By Rachel Schumacher, Katie Hamm, and Danielle Ewen
Center for Law and Social Policy
June 2007

Based on a review of the first in-depth national research on the 29 states that, as of 2004, allowed mixed delivery in their pre- kindergarten programs. The review focused on promising practices and ideas for improvement.

  • Provides evidence that policymakers need to review their pre-kindergarten initiatives to ensure maximum access for children in working families, especially low income children.
  • Describes some models states and localities are using to be responsive to low-income working families’ needs by delivering pre-kindergarten in community-based settings.
  • Highlights key strategies to address the needs of low income working families and examines the extent to which state pre-kindergarten policies currently do so.

For full report.

Reforming the Child and Dependent Care Tax Credit
By Jeff Rohaly
Urban Institute
June 11, 2007

Examines the revenue and distributional implications of making the CDCTC fully refundable.

The child and dependent care tax credit (CDCTC) is a nonrefundable tax credit designed to help offset the expenses of providing care for children under the age of 13 or disabled dependents as long as a parent or caretaker is working or searching for work. In theory, a low-income family can qualify for a maximum $2,100 credit. The credit is not refundable, however, and families with low incomes generally owe little or no income tax. Thus, the theoretical maximum rarely applies in practice. This paper examines the revenue and distributional implications of making the CDCTC fully refundable.

For abstract and introduction. 
For full report.   

Early Head Start and Teen Parent Families: Partnerships for Success
Center for Law and Social Policy
June 2007

Examines the special needs of eligible low-income pregnant women and mothers with infants and toddlers, many of whom are teen parent families, and highlights promising Early Head Start programs.

Teen parent families may face increased risks for child abuse and neglect and for disabilities and developmental delays in children. Studies have shown that teen parent participation in EHS programs helps improve child development and parenting behavior and increases economic self-sufficiency and the family’s ability to access support services.

The report highlights the importance of increased collaboration between EHS programs and other systems serving teen parent families, especially child protective services and early intervention programs. EHS can collaborate with the child welfare system to prevent child abuse and neglect by teaching teenage parents appropriate parenting techniques, improving their knowledge of child development, and connecting them to support services. EHS programs can also identify children who may have disabilities and facilitate access to appropriate services.

The full report is based on discussion and findings from a 2-day meeting of EHS providers

For Department of Health & Human Services summary.
For full report.   

Men’s Pregnancy Intentions and Prenatal Behaviors: What They Mean for Fathers’ Involvement With Their Children
By Jacinta Bronte-Tinkew, Allison Horowitz, Elena Kennedy, and Kate Perper
Child Trends
June 2007

Presents information on what men report about their pregnancy intentions and their prenatal involvement, and examines the effects of these intentions and behaviors on men’s involvement with very young children following birth.

We found that although most resident fathers report that they wanted the pregnancy at the time or sooner, one in four reported that he did not want the pregnancy at all.

We also found that both fathers’ pregnancy intentions and their prenatal involvement differ by age and race/ethnicity. For example, teen fathers were the least likely to report that the pregnancy occurred at the right time and were the most likely to report that they had not wanted the pregnancy. Non-Hispanic black fathers and fathers of other ethnicities were more likely to report not wanting the pregnancy than were Hispanic or non-Hispanic white fathers. In addition, teen fathers and Hispanic fathers were less likely to demonstrate specific prenatal behaviors, compared with other fathers.

We also found that an unwanted pregnancy was associated with less warmth towards the infant but that a pregnancy that occurred later than the father wanted it to occur was associated with more nurturing behaviors.

Another important finding was that fathers who were more involved during pregnancy were also more likely to be involved in helping to rear the child in the first year of life. These fathers engaged in a higher level of cognitively stimulating activities with their very young children, showed more warmth and nurturing in their interactions with them, and provided more hands-on physical care.

For full report. 

Other News and Research

What is Evidence-Based Practice?
By Allison J. R. Metz, Rachele Espiritu, and Kristin A. Moore
Child Trends
June 2007

Part 1 in a Series on Fostering the Adoption of Evidence-Based Practices in
Out-Of-School Time Programs.

The lag between discovering effective practices and using them “on the ground” can be unnecessarily long, sometimes taking 15 to 20 years! The purpose of this brief is to provide practitioners with a better understanding of evidence-based practice, and to share resources that can help bridge the research-to practice gap and reduce the lag time between the identification and application of evidence-based practice. Forthcoming briefs in this series will provide additional information on key aspects of adopting evidence-based practices including replication, program fidelity, and specific implementation strategies.

For full brief.    

Stepping Stones Research Update: June 2007

Posted on by Kerstin Gentsch

As part of our ongoing commitment–in partnership with The Urban Institute–to providing information and resources related to the goals of Stepping Stones, please find below summary of recent research on issues of economic security and financial independence for women and their families.

This research is summarized and compiled for The Women’s Foundation by Kerstin Gentsch of The Urban Institute, NeighborhoodInfo DC.

Financial Education and Wealth Creation News

Borrowing to Get Ahead, and Behind: The Credit Boom and Bust in Lower-Income Markets
By Matt Fellowes and Mia Mabanta
The Brookings Institution
May 11, 2007

Examines the nation’s lower-income credit and lending markets.

  • Over 55 percent of lower-income households held debt in 2004, a 10 percent increase since 1989.
  • Usage of credit in lower-income markets varies widely across the country, from a high in Boston (where 75 percent of borrowers in lower-income markets owed money in 2005) to a low in Las Vegas (where less than 40 percent did).
  • Management of credit in lower-income markets also varies widely across the country, from a low in San Jose, where less than 5 percent of borrowers in lower-income markets were behind on debt payments in 2005, to a high in Memphis, where over 18 percent were delinquent on at least one bill.
  • Based on an evaluation of credit scores, potential growth in the supply of credit in lower-income markets is also widely variable across the country, from a low in Memphis and Milwaukee, where the average credit score in lower-income markets was 556 in 2005, to a high in Portland and San Jose, where the average score was over 635.
  • With the expansion of lending in lower-income markets, an entirely new generation of policy implications has emerged, transcending the traditional focus on the supply of credit.

For main findings. 
For full report. 

A Local Ladder for Low-Income Workers: Recent Trends in the Earned Income Tax Credit
By Elizabeth Kneebone
The Brookings Institution
April 2007

Analyzes IRS data on low-income working families who received the federal Earned Income Tax Credit in tax years 2000 and 2004.

  • In tax year 2004, more than one in six taxpayers nationwide received the EITC. Cities in the South, such as Jackson, MS (41 percent) and El Paso, TX (37 percent), had among the highest rates of EITC receipt in the country.
  • By 2004, large metropolitan suburbs were home to 2.4 million more EITC recipients than their cities. While a higher share of central-city taxpayers (22 percent) than suburban taxpayers (13 percent) received the EITC in 2004, the number of suburban EITC recipients expanded by nearly 1.4 million from 2000 to 2004, versus less than half a million in cities.
  • More than 46 percent of EITC filers claimed the Additional Child Tax Credit (ACTC) in tax year 2004, and together the EITC and ACTC accounted for more than 70 percent of refunds paid to these low-income working families. The average EITC credit was $1,834 in 2004, while the average ACTC amount was $895. In total, EITC filers claimed $48.9 billion through the EITC and ACTC in 2004.
  • The proportion of EITC recipients who filed their returns through volunteer tax preparers increased steadily in recent years, but by 2004 remained far lower (under 2 percent) than the share using paid preparers (over 70 percent).

For main findings. 
For full report.  

Jobs and Business Ownership News

The Gender Wage Ratio: Women’s and Men’s Earnings
Institute for Women’s Policy Research
April 2007

Shows that the wage ratio between women and men failed to narrow in 2006 and that an earlier trend toward equal pay has stalled.

  • According to data from the Bureau of Labor Statistics, in 2006 the ratio of the annual averages of women’s and men’s median weekly earnings was 80.8 for full-time wage and salary workers, down slightly from 2005, when it was 81.0, compared with a 1993 level of 77.1. Women’s usual weekly earnings were $600 in 2006, compared with $743 for men.
  • Another series of earnings data, median annual earnings, shows the same trend of a stalled gender wage ratio. The annual earnings ratio for full-time year-round workers in 2005 (the latest year for which data are available)—77.0—was very similar to that observed in 2001—76.3. Women earned an average of $31,858 in 2005, compared with men’s $41,386. Real annual earnings have not increased for either women or men in recent years.

For press release.  
For full fact sheet. 

Innovative Employment Approaches and Programs for Low-Income Families
By Karin Martinson and Pamela A. Holcomb
Urban Institute
May 17, 2007

Designed to assist states and localities in identifying innovative strategies to promote stable employment and wage growth among low-income populations.

The paper distills key lessons from the body of research undertaken to date and identifies innovative approaches and programs for improving the employment prospects of low-income families. The paper presents a typology of four relatively broad employment strategies, and within each, a number of “innovative” approaches and several programs that exemplify each approach. Overall, the paper identifies and profiles 12 innovative approaches and 51 programs for improving the economic success of low-income parents. The paper discusses why the approach is innovative and provides a description of the key components of each.

For executive summary.  
For full report.  

Child Care and Early Education News

Improving After-School Program Quality
By Robert C. Granger, J. Durlak, N. Yohalem, and E. Reisner
William T. Grant Foundation
April 2007

Argues that the primary issue facing the after-school field is learning how to intervene effectively to improve programs and provides new information on the features of effective programs.

Summarizes findings from two recent reports:

  • After-school programs attempting to enhance youth’s personal and social skills can improve outcomes that are important to both school and non-school audiences programs focusing on specific social or personal skills are most successful when they employ sequential, focused, explicit learning activities and active youth involvement. They also find that these programs tend to improve a range of outcomes at the same time. They refer to such programs as SAFE (Sequenced, Active, Focused, Explicit).
  • The second report describes instruments that measure the quality of youth program practices at the point of service. Although various teams of researchers and practitioners created the instruments, the report shows that these instruments share a common core and that practitioners believe the instruments capture the practices that define program quality. This convergence suggests that an important consensus is emerging in the field about effective practices.

The aim here is to help the field consider the implications of these two reports for policy and practice. The reports support the case that after-school programs are capable of improving important youth outcomes. They also support the need to stay focused on improving program quality.

For full report.