Increasing the Economic Self-Sufficiency of Rural Families

ABSTRACT

Rural poverty affects 2.5 million U.S. children annually. The implementation of Child/Parent Individual Development Account (IDA) policies and programs may reflect a “best practices” strategy for reducing the incidence and impact of rural poverty. IDAs are dedicated savings accounts designed to help low-income individuals save for home ownership, postsecondary education, and small business development purposes. A brief policy analysis and feasibility study indicates Child/Parent IDA programs are a feasible way to address long-term social, psychological, and economic development for rural adults and children. Social work's continued involvement in evaluating IDA policy is paramount for improving the well-being of rural families.     

Reducing child poverty by promoting child well-being: Identifying best practices in a time of great need

Child poverty in the United States persists despite a range of social services designed to reduce poverty rates and improve the economic self-sufficiency of families. The economic downturns resulting in job losses and the housing crisis have converged to create a new group of families who were managing to remain out of poverty prior to the recession but are now slipping into poverty, putting additional strain on services. In light of these pressing issues, this article synthesizes the literature examining child poverty to take a long-range view of the relationship between economic strain, system involvement, and impacts on children and the systems attempting to serve these children. The effectiveness of various policy and program efforts aimed at reducing child poverty rates and/or ameliorating the negative effects of living in poverty is reviewed. The article concludes by suggesting a major shift in focus from reducing child poverty as a singular goal to a comprehensive approach to promoting child and family well-being.     

The <Emphasis Type="Italic">Ownership Society</Emphasis> and Women: Exploring Female Householders’ Ability to Accumulate Assets

Wealth indicators have not been widely examined in studies of women’s economic well-being and little attention has been paid to assets within female-headed households, specifically. Using SIPP data this study examined factors associated with asset accumulation of female householders. Differences between households with and without children and with and without other adults present in the household were emphasized. Findings indicated the presence of children consistently reduced the likelihood of owning assets but had little impact on equity values when women owned assets. The effect of multiple adults within the household varied depending on the asset held.     

Can Child Development Accounts be inclusive? Early evidence from a statewide experiment

A key objective of Child Development Accounts (CDAs) is to increase college completion rates among disadvantaged youth by helping families accumulate assets for college and by encouraging youth to see themselves as college bound. While the major asset-building programs in the United States almost exclusively benefit socioeconomically advantaged individuals, CDAs explicitly aim to facilitate account holding and asset accumulation by disadvantaged families. But can CDAs meet the goal of being inclusive? This research uses data from a large CDA experiment with probability sampling and random assignment to examine early savings outcomes. Findings indicate that CDAs improve outcomes for diverse demographic groups and sometimes have greater impacts on disadvantaged children than advantaged children. Features like automatic account opening and automatic initial deposits, which are uncommon in other asset-building programs, extend the opportunities and benefits of asset accumulation to disadvantaged families.     

Economic Well-being and Cohabitation: Another Nonmetro Disadvantage?

Our study examines residential variability in the prevalence of cohabiting households, the extent to which children are present, characteristics of the household head, and multiple indicators of economic well-being. Despite a lower prevalence of cohabiting households in nonmetropolitan compared to other areas, a larger proportion contain children. For all measures considered, economic well-being is lowest for cohabiting households with children in nonmetropolitan areas, and compared to their metro counterparts a larger proportion receive all forms of public assistance. The higher likelihood of poverty among nonmetropolitan cohabiting households with children is not explained by the characteristics of the household heads in multivariate models predicting household poverty. Cohabitation clearly has different family and economic implications in nonmetropolitan than in other residential areas.     

Welfare reforms in Canada

This study examines the development of impoverished pre-school children before and after the implementation of mandatory welfare-to-work initiatives in Canada. Using data from the 1994/95 and 1998/99 cycles of the National Longitudinal Survey of Children and Youth, we explore the relationships that impoverished families’ income source and family income status have with pre-school children's school readiness. Findings indicate that both before and after the implementation of mandatory welfare-to-work initiatives, children in working poor families had higher school readiness scores than their peers whose families receive social assisntance, independent of family environment characteristics that differentiated working poor and social assistance poor families. In addition, both before and after the implementation of mandatory welfare-to-work initiatives, school readiness scores of poor children were lower than scores for non-poor children, with children living in families that had incomes at least 200 percent of the low-income cut-offs being the only group with scores above the expected standard of 100. In sum, our study fails to provide evidence that by the end of the 1990s welfare reforms supported the concurrent policy goal of improving the well-being of Canadian children in poverty.     

Modeling Family Economic Conditions and Young Children’s Development in Rural United States: Implications for Poverty Research

In this study we examined the additive and multiplicative relations between poverty status, material hardship, liquid assets, non-liquid assets, and children’s cognitive skills and social problems at 36?months. The data were from a representative sample of 1,292 children in six rural counties in the United States. Findings indicated that income, material hardship, and non-liquid assets explained unique variation in young children’s development. Material hardship was associated with more social problems for children. Poverty status was associated with lower cognitive skills, and non-liquid assets were associated with higher cognitive skills at 36?months. We concluded that models that estimate the relation between poverty and child outcomes without including measures of hardship and assets could be underspecified.     

The independent effects of socio-demographic and programmatic factors on economic strain among parents in a Child Savings Accounts program

This study examines the independent effects of socio-demographic variables and program social services on the degree of economic strain among lower income parents who had an opportunity to open child savings in a subsidized savings accounts program known as Saving for Education, Entrepreneurship, and Downpayment (SEED). SEED is a policy, practice and research initiative designed to test the efficacy of and inform policy for a national system of asset-building accounts for children and youth. Findings suggest that overall, the degree of economic strain was not significantly different at baseline and at the second wave between parents who opened accounts and those who did not open accounts for their children. However, household income, having a household savings account, and receipt of means-tested welfare programs affected the degrees of economic strain. Implications are directed toward helping lower income families effectively participate in child savings programs.     

Improving the measurement of child welfare in the context of intra-household inequality

This study aims to illustrate how to improve the evaluation of child economic well-being and child poverty using the collective approach. International organisations such as the World Bank, OECD and UNICEF have made important efforts in recent years to produce reliable data and to measure poverty according to the most relevant items of household consumption baskets. However, when measuring poverty, it is common practice to assume either that resources are distributed equally within the household or that there are fixed equivalence scales (for example, a child can be counted as 0.5 adults). The methodology based on collective models of consumption overcomes this rigidity by allowing inequality within each household to be taken into account. The method assumes that each household devotes a fraction of resources to children, which can be estimated using the observed expenditure on child-exclusive goods. An example of how child poverty measures can be inaccurately estimated is illustrated through the case of young children in Albania.     

Immigration and migration in America: social impact and social response

The author discusses various social problems resulting from migration to and within the United States, including poverty, acculturation, education, housing, employment, social adjustment, and family difficulties. The potential impact of migrants on the U.S. society and economy is assessed, and government policy responses to their problems are considered. (SUMMARY IN FRE AND SPA)     

Pathways to Parenthood in Social and Family Contexts: Decade in Review, 2020

Whether, and under what circumstances, people become parents has implications for individual identity, family relationships, the well-being of adults and children, and population growth and age structure. Understanding the factors that influence pathways to parenthood is central to the study of families and can inform policies aimed at changing childbearing behaviors. This review summarizes recent trends in fertility as well as research on the predictors and correlates of childbearing, with a focus on the United States and on research most relevant to family scholars. U.S. fertility has declined in recent years, perhaps reflecting the influence of the Great Recession and increasing economic inequality, and there is growing divergence in behaviors across social class. Scholars of childbearing have developed theories to better understand how childbearing is shaped by life course processes and social contexts, but more work is needed to understand group differentials, refine measurement and theories, and better integrate men and couples. Childbearing research has important implications for social policy, but the application of research to policy is hindered by ideological factors.     

Comparing Child Poverty Risk by Family Structure During the 2008 Recession

Children in nonmarried families are at greater risk for poverty and especially so during a time of macroeconomic recession. Using carefully harmonized data, the authors analyze child poverty among nonmarried families before and during the 2008 recession in five liberal welfare states: Australia, Canada, Ireland, the United Kingdom, and the United States. Although having similar demographic compositions, the authors document wide cross‐national variation in poverty risk based on marital status and gender of the household head. Through the recession, child poverty in Canada and the United Kingdom declined while it increased in Australia and Ireland and was largely unchanged in the United States. Decomposing changes within countries over time, family benefits in the form of income transfers play a major role in reducing poverty for nonmarried families. In all countries, children in cohabitating families were less protected from market instability.     

Government Capital,Intimate and Community Social Capital,and Food Security Status in Older Adults with Different Income Levels

Whether government‐based forms of food assistance such as the Supplemental Nutrition Assistance Program (SNAP), communal efforts including food pantries, aid from friends and family, or alternative means such as gardening are the appropriate means to reduce the prevalence of household food insecurity is a continuous source of policy contention. To inform this debate, we examine the relative importance of these forms of food assistance and acquisition to a sample of U.S. older adults from the 2010 Brazos Valley Health Assessment of central Texas households that have been stratified by income eligibility for SNAP, low‐income SNAP ineligibility, and above low income status. To identify how membership in these socioeconomic groups constrains household capacity to acquire sufficient food to maintain an adequate and healthy diet, we explore the varied associations of assets received from government; communal and intimate social networks; and alternative food sources such as gardening, hunting, and fishing with household food security across socioeconomic status, while examining the importance of place of residence on the use of capital assets. SNAP participation was the only specific capital asset associated with all levels of food insecurity for both SNAP‐eligible and ineligible low‐income groups, thus emphasizing the continued importance of food assistance among poverty‐level older adults.     

Verarmungsrisiken nach kritischen Lebensereignissen in Deutschland und den USA

We study how the impact of job loss, sickness, retirement, and family dissolution on the risk of relative income poverty differs between Germany and the United States, and whether the impact of these events has changed between 1980 and 2009. Americans are more likely than Germans to enter poverty after any of the four events, yet they also recover more quickly from job loss and family dissolution. Comparisons over time do not indicate a secular rise in the impact of critical life events on poverty risks, but our results show that poverty trajectories are subject to stronger cyclical fluctuations in the United States: Through its emphasis on market mechanisms, the liberal American welfare state raises the importance of (re-)employment opportunities for coping with the consequences of adverse life events. The absence of clear long-term trends leads to a reassessment of common views about welfare state change such as Jacob Hacker??s thesis of a ??Great Risk Shift?? or the notion of an ??Americanization?? of Continental European welfare states. So far, there is also little evidence that the often claimed recalibration of welfare states towards ??new social risks?? has alleviated the adverse economic consequences of family dissolution.     

Parental health and children's economic well-being

The life course perspective emphasizes that past economic experiences and stage in the life course influence a family's ability to cope with negative life events such as poor health. However, traditional analytic approaches are not well-suited to examine how the impact of negative life events differs based on a family's past economic experiences, nor do they typically account for the potentially spurious association between negative life events and family economic well-being. We use finite mixture modeling to examine how changes in parental health affect children's exposure to poverty. We find that for some children the association between family head's health and children's exposure to poverty is spurious, while for other children family head's poor health is associated with increased risk of economic deprivation. The extent to which a family head's poor health alters children's economic well-being depends on a child's family's underlying economic trajectory and past history of exposure to disadvantage.     

The role of men in families: achieving gender equity and supporting children

Fathers and men in families are one of the most important resources for children's well-being. UNICEF, the Ford Foundation, Save the Children, other nongovernmental organizations, and resolutions from the 1994 International Conference on Population and Development have all recommended efforts to involve men in reproductive health programs. However, despite this interest and recommendations, social service and health programs, as well as development interventions, continue to target mothers and children, ignoring the major role of men in the lives of children and families. Most development interventions focusing upon family well-being have stressed the importance of the mother/child relationship, even in societies in which the father controls decisions about the household and family welfare. The author surveys program initiatives, conferences, research, and publications concerned with the role of men in the family.     

Time allocation of one- and two-parent mothers

Using data from one- and two-parent households with two children in rural and urban areas of California, this study analyzes time allocation decisions in market work, household work, and leisure activities among single and married mothers. Results of the seemingly unrelated regression procedures indicate that family structure affects time in household work but not market work or leisure activities. Of the socio-demographic variables, only day of the week explains time allocation to household work, market work, and leisure activities among single and married mothers.This research has been supported by the United States Department of Agriculture through the Georgia Agricultural Experiment Station under Southern Regional Project S-206.Teresa Mauldin is an Assistant Professor and Carol B. Meeks is an Associate Professor in the Department of Housing and Consumer Economics, the University of Georgia, Athens, GA 30602. Dr. Mauldin received her Ph.D. from The Ohio State University and is interested in time use, economic well-being of individuals and families, and family structure. Dr. Meeks also received her Ph.D. from The Ohio State University and her research interests include time use, family structure, and economic aspects of housing.     

The high cost of neglecting children: The need for a preventive policy agenda

Millions of children in the United States suffer from poor care and inadequate services due to neglectful national social policy. More than 13 million children live in poverty and its negative consequences, at great individual and social cost. This paper outlines the need to seriously advocate for a preventive policy approach to child welfare and presents a blueprint for individual and collective political action. The cost-effectiveness and social benefits of preventive policies are demonstrated. Social workers understand the value of prevention in working with children and families, and are needed to advocate on the policy-making level for a preventive policy agenda.     

A community initiative to support family financial well-being

Many community initiatives focus on workforce participation. Research indicates that affordable childcare is key to maintaining employment for low-income parents in the USA. These parents may also benefit from instruction to build financial literacy skills. The United Way of Tampa Bay, Florida, USA implemented a program to support family economic status that linked summer childcare for school-age children with financial literacy classes. Results from the evaluation of the initiative indicate that it enabled parents to participate more fully in work or school than would have been possible otherwise. Parents welcomed choices of free, innovative childcare programs that promoted social, academic, and cultural skills and provided safe care for their children. Parents reported that their money management knowledge and skills improved due to the course they took to qualify for childcare. Initiatives such as this show promise for promoting family financial well-being and an engaged workforce.