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Children's Savings Accounts And Financial Aid
Published June 01, 2006
A growing body of academic research suggests that saving plays an important role in educational attainment, changing aspirations, and breaking the cycle of poverty. Anecdotal evidence suggests that a lack of hope is a factor in many of the poor choices made by young people. With nest egg savings, all children may be able to look toward a future in which they have the resources and know - how to invest in themselves.
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Children's Savings Accounts: A State Policy Sourcebook
Published June 01, 2006
Holding assets connects people to the economy, raises their economic expectations, and allows them to shape their futures. If assets are important to adults, they are even more powerful earlier in life when aspirations, knowledge, and savings are growing.
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Federal Chafee Funds And State Matched Savings Programs For Foster Youth: A SEED Working Paper
Published April 01, 2007
This paper provides policy and programmatic background for states considering the use of federal Chafee Foster Care Independence Program (CFCIP) funds to support matched savings accounts for foster youth.
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Financial Education As A Potential Doorway To Children’s Savings Accounts: A Strategic Opportunity For State Policy? A SEED Working Paper
Published April 01, 2007
An investigation into whether building on a foundation of financial education could help create state-level universal, progressive children’s savings account policies - first enacting statewide policy to require financial education in schools, and then using it as a springboard for CSAs.
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From Piggy Banks To Prosperity
Published September 01, 2008
In local communities around the country, academic institutions, state capitols, and the halls of Congress, recognition is growing that building assets leads to beneficial outcomes at the individual, household, neighborhood, and community level. Indeed, research and practice suggest that possessing even a few thousand dollars in assets - such as accumulated savings, higher education, a growing business, or property ownership - gives people a stronger economic place to stand. Holding assets connects people to the economy, raises their expectations, and allows them to shape their futures.
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Individual Development Accounts For Youth: Lessons From An Emerging Field (2001)
Published January 01, 2001
Documents the activity in, lessons learned from, and effective practices among IDA programs that seek to promote long-term savings behavior in young people.
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Linking Youth Savings And Entrepreneurship: A White Paper
Published July 01, 2006
Provides an initial overview of SEED children’s savings accounts and REAL Entrepreneurship youth entrepreneurship education and outlines the rationale for linking these two asset-building approaches.
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Pooled Accounts: A Retail Option For Children's Savings Accounts? A SEED Working Paper
Published April 01, 2007
Children’s Savings Accounts (CSAs) are long-term asset-building accounts that are designed to give children the kind of nest egg that can boost their economic future and shape their hopes and dreams. Many types of savings or investment accounts could potentially be used in a CSA program. This paper examines the potential for using a particular type of account – the pooled account.
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Public Opinion Focus Group Findings On Children’s Savings Accounts
Published October 13, 2006
On behalf of the Corporation for Enterprise Development (CFED) SEED Initiative, Peter D. Hart Research Associates, Inc., conducted a study to help refine the SEED Initiative’s strategic approach by exploring public perceptions of the need and rationale for children’s savings accounts, their opinions about specific account provisions, and their reactions to different approaches to framing children’s savings accounts. Through the research, concepts and message statements were tested to determine what statements supporting children’s savings accounts are most convincing, and alternatively, what concerns about the policy are most effective at discouraging support for establishing children’s savings accounts.
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Public Opinion Focus Group Findings On Children’s Savings Accounts
Published September 14, 2006
Technical Appendix
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Public Opinion Poll On Children’s Savings Accounts
Published September 14, 2006
Technical Appendix 2: Survey Cross Tabs
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Public Opinion Poll On Children’s Savings Accounts
Published March 01, 2007
Technical Appendix 1: Survey Responses
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Public Opinion Poll On Children’s Savings Accounts: Messages For Promoting Children’s Savings Accounts
Published September 27, 2007
Hart Research Associates conducted a national survey for the SEED Policy and Practice Initiative on the issue of children’s savings accounts. The survey was conducted by phone from March 27 to April 4, 2007, among a representative national sample of 801 registered voters, as well as a sample of 433 voters who are parents of children under age 11 or prospective parents. The margin of error for the full sample is ±3.5 percentage points and is ±4.8 percentage points for the parent sample. In addition, six focus groups with voters and opinion leaders were conducted prior to the survey. This memo reviews the key message findings from the research.
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Public Opinion Poll On Children’s Savings Accounts: Public Support For Children’s Savings Accounts
Published May 25, 2007
From March 27 to April 4, 2007, Peter D. Hart Research Associates, Inc., conducted a national survey among 1,037 registered voters, including an oversample of 433 parents of children under age 11 and prospective parents. The margin of error for the full sample is ±3.0 percentage points and is ±4.7 percentage points for the parent oversample.
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State Creditor Protections For 529 Plans: A SEED Working Paper
Published April 01, 2007
State creditor protection laws for 529 college savings plans protect the assets in a 529 account from the claims of creditors who are seeking repayment for outstanding debts. This paper outlines the creditor protection statutes that are currently in place in SEED state policy partner states as well as other states across the country, and how these regulations protect the savings of account owners, beneficiaries, and donors from attachment by creditors.
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