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With budgets squeezed at every level of government, cost-benefit analysis (CBA) holds outstanding potential for assessing the efficiency of many programs. In this first book to address the application of CBA to social policy, experts examine ten of the most important policy domains: early childhood development, elementary and secondary schools, health care for the disadvantaged, mental illness, substance abuse and addiction, juvenile crime, prisoner reentry programs, housing assistance, work-incentive programs for the unemployed and employers, and welfare-to-work interventions. Each contributor discusses the applicability of CBA to actual programs, describing both proven and promising examples. The editors provide an introduction to cost-benefit analysis, assess the programs described, and propose a research agenda for promoting its more widespread application in social policy. Investing in the Disadvantaged considers how to face America’s most urgent social needs with shrinking resources, showing how CBA can be used to inform policy choices that produce social value.
This book urges business leaders, educators, and policy makers to look beyond the traditional classroom boundaries and provide early and sustained intervention in the lives of at-risk children, 30 per cent of children facing major risk of educational failure and lifelong dependency.
A new way forward for sustainable quality of life in cities of all sizes Strong Towns: A Bottom-Up Revolution to Build American Prosperity is a book of forward-thinking ideas that breaks with modern wisdom to present a new vision of urban development in the United States. Presenting the foundational ideas of the Strong Towns movement he co-founded, Charles Marohn explains why cities of all sizes continue to struggle to meet their basic needs, and reveals the new paradigm that can solve this longstanding problem. Inside, you’ll learn why inducing growth and development has been the conventional response to urban financial struggles—and why it just doesn’t work. New development and high-risk investing don’t generate enough wealth to support itself, and cities continue to struggle. Read this book to find out how cities large and small can focus on bottom-up investments to minimize risk and maximize their ability to strengthen the community financially and improve citizens’ quality of life. Develop in-depth knowledge of the underlying logic behind the “traditional” search for never-ending urban growth Learn practical solutions for ameliorating financial struggles through low-risk investment and a grassroots focus Gain insights and tools that can stop the vicious cycle of budget shortfalls and unexpected downturns Become a part of the Strong Towns revolution by shifting the focus away from top-down growth toward rebuilding American prosperity Strong Towns acknowledges that there is a problem with the American approach to growth and shows community leaders a new way forward. The Strong Towns response is a revolution in how we assemble the places we live.
We examine whether impact investing is more effective in fostering business venture success and social impact when investments are directed toward ventures located in disadvantaged urban areas compared to similar investments directed toward ventures located outside these areas. We explore this question in the context of loans made to business ventures in French "banlieues" vs. "non-banlieues." We find that loans issued to banlieue ventures yield greater improvements in financial performance, as well as greater social impact in terms of the creation of local employment opportunities, quality jobs, and gender-equitable jobs. These results suggest that impact investors are able to contract with ventures of greater unrealized potential in banlieues, as banlieue ventures tend to be discriminated on the traditional loan market. This is corroborated in a controlled lab experiment in which participants--working professionals who are asked to act as loan officers--are randomly assigned to identical business ventures that only differ in their geographic location. We find that participants are indeed less likely to grant loans to banlieue ventures compared to non-banlieue ventures, despite the ventures being identical.
Rich Dad's Guide to Investing is a guide to understanding the real earning power of money by learning some of the investing secrets of the wealthy.
"The early years in the lives of children are important in creating inequality and in producing skills for the workforce. Capitalizing on this knowledge requires a major refocus of public policy. Interventions that supplement the early lives of children from disadvantaged families can improve their cognitive and socioemotional skills, reduce inequality and raise productivity. Their returns are much higher returns than those of later remedial interventions applied to the same children."--Page 1.
This work proposes a new approach to welfare: a social policy that goes beyond simple income maintenance to foster individual initiative and self-sufficiency. It argues for an asset-based policy that would create a system of saving incentives through individual development accounts (IDAs) for specific purposes, such as college education, homeownership, self-employment and retirement security. In this way, low-income Americans could gain the same opportunities that middle- and upper-income citizens have to plan ahead, set aside savings and invest in a more secure future.
There is increasing evidence that the first few years after birth are particularly important in child development and present opportunities for enrichment but also vulnerabilities do to poverty and other social stressors. Elected officials have begun proposing potentially costly programs to intervene early in the lives of disadvantaged children. Have such interventions been demonstrated to yield substantial benefits? To what extent might they pay for themselves through lower welfare and criminal justice costs incurred by participating children as they grow into adults? This study synthesizes the results of a number of previous evaluations in an effort to answer those questions. Conclusions are that under carefully controlled conditions, early childhood interventions can yield substantial advantages to recipients in terms of emotional and cognitive development, education, economic well-being, and health. (The latter two benefits apply to the children's families as well.) If these interventions can be duplicated on a large scale, the costs of the programs could be exceeded by subsequent savings to the government. However, the more carefully the interventions are targeted to children most likely to benefit, the more likely it is that savings will exceed costs. Unfortunately, these conclusions rest on only a few methodologically sound studies. The authors argue for broader demonstrations accompanied by rigorous evaluations to resolve several important unknowns. These include the most efficient ways to design and target programs, the extent to which effectiveness is lost on scale-up, and the implications of welfare reform and other safety net changes.