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Surviving the Streets of New York: Experiences of LGBTQ Youth, YMSM, and YWSW Engaged in Survival Sex

February 26, 2015 Comments off

Surviving the Streets of New York: Experiences of LGBTQ Youth, YMSM, and YWSW Engaged in Survival Sex
Source: Urban Institute

Based on interviews with 283 youth in New York City, this is the first study to focus on lesbian, gay, bisexual, transgender, and queer or questioning (LGBTQ) youth; young men who have sex with men (YMSM); and young women who have sex with women (YWSW) who get involved in the commercial sex market in order to meet basic survival needs, such as food or shelter. The report documents these youth’s experiences and characteristics to gain a better understanding of why they engage in survival sex, describes how the support networks and systems in their lives have both helped them and let them down, and makes recommendations for better meeting the needs of this vulnerable population.

2014 Fundraising Effectiveness Survey Report

February 23, 2015 Comments off

2014 Fundraising Effectiveness Survey Report
Source: Urban Institute and Association of Fundraising Professionals

The Center on Nonprofits and Philanthropy at the Urban Institute and the Association of Fundraising Professionals established the Fundraising Effectiveness Project (FEP) to conduct research on fundraising effectiveness and help nonprofit organizations increase their fundraising results. Piloted in November 2006, FEP collects fundraising data from nonprofit organizations beginning with data for 2004-2005. The 2014 report, the latest in the annual series, incorporates data from 3,576 organizations that contributed data for 2012-2013.

Nine Charts about Wealth Inequality in America

February 23, 2015 Comments off

Nine Charts about Wealth Inequality in America
Source: Urban Institute

Why hasn’t wealth inequality improved over the past 50 years? And why, in particular, has the racial wealth gap not closed? These nine charts illustrate how income inequality, earnings gaps, homeownership rates, retirement savings, student loan debt, and lopsided asset-building subsidies have contributed to these growing wealth disparities.

Servicing Is an Underappreciated Constraint on Credit Access

February 18, 2015 Comments off

Servicing Is an Underappreciated Constraint on Credit Access
Source: Urban Institute

The heightened and uncertain cost of servicing delinquent mortgage loans is a significant, although underappreciated, constraint on access to credit. Lenders can price loans to reflect the anticipated servicing costs, but it is very difficult to price for the uncertain costs of default servicing. The penalties resulting from not meeting the GSE and FHA timelines, along with restrictive and anachronistic limits on reasonable foreclosure expenses, create uncertainties that are difficult to quantify and price for. The result: lenders forgo lending to borrowers more likely to go delinquent. The FHFA has made great strides with recent changes to compensatory fees, but more needs to be done. Servicing delinquent FHA loans presents an even greater challenge. To expand the tight credit box, these servicing issues must be addressed.

Racial/Ethnic Differences in Uninsurance Rates under the ACA

February 18, 2015 Comments off

Racial/Ethnic Differences in Uninsurance Rates under the ACA
Source: Urban Institute

This report is the first state-level projection of ACA coverage gains for racial/ethnic groups. Absent ACA coverage provisions, Latinos, blacks, and American Indian/Alaska Natives are overrepresented among the uninsured. With the ACA and current state Medicaid expansion decisions, uninsurance rates are projected to fall for each racial/ethnic group, narrowing coverage differences between whites and each minority group, except for blacks. If all states were to expand their Medicaid programs, we project that uninsurance rates would fall further for all racial/ethnic groups, with blacks experiencing a marked reduction. Effective outreach can further reduce uninsurance rates for all racial/ethnic groups.

Tax Policy and Investments by Startups and Innovative Firms

February 11, 2015 Comments off

Tax Policy and Investments by Startups and Innovative Firms
Source: Urban Institute

Our tax system imposes widely varying tax rates on investments in different activities, favors debt over equity, and favors pass-throughs over corporations. Targeted tax incentives can lower the cost of capital for small businesses, startups, and those that invest in intellectual property. But those advantages are weakened, and sometimes eliminated, because businesses that invest in new ideas rely more on higher-taxed equity than do firms that focus on tangible investment and because startups are often limited in their ability to use tax deductions and credits. These limits can more than offset the benefit from tax incentives.

Reducing Child Poverty in the US: Costs and Impacts of Policies Proposed by the Children’s Defense Fund

February 3, 2015 Comments off

Reducing Child Poverty in the US: Costs and Impacts of Policies Proposed by the Children’s Defense Fund
Source: Urban Institute

One in five children in the U.S. lives in poverty. The Children’s Defense Fund contracted with the Urban Institute to estimate how much child poverty could be reduced by a comprehensive set of policies—increasing the minimum wage, providing transitional jobs, expanding subsidized housing and child care, increasing food assistance, increasing federal income tax credits, and changing how child support is counted in determining benefits. Urban Institute staff analyzed the policies using the TRIM3 microsimulation model. We estimate that the full package of policies would reduce the number of poor children by 60 percent–from 10.9 million to 4.3 million.

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