policyAmerica http://www.policyamerica.org policyAmerica is committed to an open, inclusive society in which every person is valued as a national resource. Thu, 16 Dec 2010 01:59:32 +0000 en hourly 1 http://wordpress.org/?v=3.0.3 Child$ave! http://www.policyamerica.org/?p=64 http://www.policyamerica.org/?p=64#comments Thu, 16 Dec 2010 01:53:24 +0000 darcypred http://www.policyamerica.org/?p=64 Child$ave!

“Investing in Our Future”

Historically, minority children face daunting barriers to upward mobility, and their prospects have been further eroded by the Great Recession. However evidence shows us that low-income households escape poverty by saving and investing in assets, an essential message to transmit to their children.

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]]> http://www.policyamerica.org/?feed=rss2&p=64 0 David Stoesz on Quick Credit http://www.policyamerica.org/?p=40 http://www.policyamerica.org/?p=40#comments Mon, 13 Dec 2010 00:17:00 +0000 darcypred http://www.policyamerica.org/blog1/?p=40 Discussion Paper

Quick Credit

The Fringe Economy, the Great Recession, and the Welfare State

  • By David Stoesz, Virginia Commonwealth University and policyAmerica

August 9, 2010

Rapid growth of the “fringe economy”—check-cashers, payday lenders, buy-here-pay-here auto sales, refund anticipation loans, rent-to-own furniture and appliances, auto title loans, and pawnshops—has precipitated a volatile debate about whether such financial services represent an adaptive response to the credit needs of low- and moderate-income families or predatory exploitation of economically hard-pressed consumers.

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]]> http://www.policyamerica.org/?feed=rss2&p=40 0 David Stoesz http://www.policyamerica.org/?p=1 http://www.policyamerica.org/?p=1#comments Fri, 10 Dec 2010 22:24:06 +0000 darcypred http://0326239.netsolhost.com/blog1/?p=1 Reid Cramer and Professor David Stoesz discuss predatory lending, payday loans, car title loans, subprime lending and other parts of the shadow economy.

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