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Series:Cascade  Bank:Federal Reserve Bank of Philadelphia 

Journal Article
Philadelphia Fed Economics Research Conference Highlights the Case for Inclusive Economic Growth

Leadership on inclusive economic growth must be deliberate to achieve the goal of bringing economic benefits to everyone. That was the key takeaway of the closing session at the Federal Reserve Bank of Philadelphia?s recent Policy Forum
Cascade , Volume 1

Journal Article
What Makes Cities Resilient?

How older industrial cities can become resilient cities was the focus of the Federal Reserve Bank of Philadelphia?s fifth biennial Reinventing Older Communities conference, which was attended by over 430 community development leaders from nonprofits, banks, foundations, government agencies, and businesses from 24 states, the District of Columbia, Puerto Rico, and Canada.
Cascade , Volume 3

Journal Article
The Role of Transportation in Fostering Economic Mobility in Northeastern Pennsylvania

The Scranton Area Community Foundation (SACF), founded 63 years ago to promote change and growth in northeastern Pennsylvania, embarked on a series of community discussions more than a year ago to elicit information about the region?s opportunities for economic growth
Cascade , Volume 3

Journal Article
Asset Diversification and Low Debt Are the Keys to Building and Maintaining Wealth

Greatly expanded access to home mortgages during the 1980s, 1990s, and 2000s appeared to make the American dream a reality for millions of families. Homeownership was attainable by many who, for the first time, were able to take out a mortgage with an extremely low or no down payment ? even if they had a blemished credit history or none at all. For those with access to their accumulated home equity through mortgage refinancing or other home-secured borrowing, as well as to other sources of credit, lack of available cash no longer meant that they had to delay making routine purchases, buying a ...
Cascade , Volume 1

Journal Article
Forum Focuses on Effective Community Development Corporations

The Philadelphia Fed hosted a forum last August that focused on some of the different approaches used by community development organizations. The event, titled Models of Surviving and Thriving CDCs: A Forum on Organizational Approaches and Strategies, was jointly sponsored by the Philadelphia Fed, the Delaware Housing Coalition, the Housing and Community Development Network of New Jersey, and the Philadelphia Association of Community Development Corporations. The forum reflected the Fed?s ongoing interest in community development corporations (CDCs). The 40 attendees were experienced ...
Cascade , Volume 1

Journal Article
Spotlight on Research: Early Labor Experiences of Young Men: Underlying Factors and Later Consequences

Unemployment has deleterious effects on the overall health of the economy. Also, unemployment is debilitating to those experiencing it. For young entrants into the labor force, their early employment/unemployment experiences may be especially critical to their later labor market success. Thus, the initial transition-to-work period may foretell future employment status and wages/income. This is a particularly crucial juncture for young minority males who generally experience high rates of unemployment. Conventional wisdom suggests that higher educational attainment plays a prominent role in ...
Cascade , Volume 1

Journal Article
Student Loans: A Primer

On average, higher education is a great investment: The average person with a four-year degree earns substantially more than the average high school graduate, and the cost of that degree is well below the financial benefits that are derived. However, borrowing to pay for education has risen dramatically in recent years, with outstanding student debt recently passing $1 trillion, which is almost four times the debt incurred in 2004. Today, an increasingly large number of borrowers are unable to make their student loan payments,4 which raises concerns about what this means for individuals and ...
Cascade , Volume 1

Journal Article
Spotlight on Research: The Impact of Government Subsidized Lending: Community Development Financial Institutions Fund

Access to credit in all segments of the population not only enhances the financial viability of individuals and their communities but also contributes to a robust economy. However, for various reasons, the private sector might not supply an adequate amount of credit or capital to meet the demand in certain areas. In these instances, the government might step in and bridge the gap. One approach taken by the federal government is to provide funds from the Community Development Financial Institutions (CDFI) Fund to financial intermediaries such as community development financial institutions ...
Cascade , Volume 2

Journal Article
Equitable Transportation Tools and Publications

The following tools enable users to understand and analyze transportation trends and issues, with an emphasis on equity. The publications provide resources and strategies used in the equitable transportation field. All of these resources have been selected for their broad geographic scope or applicability
Cascade , Volume 3

Journal Article
Training for Jobs in the Emerging Energy-Efficiency Industry

The nonprofit Energy Coordinating Agency (ECA) of Philadelphia, Inc. has trained about 2,000 low- and moderate-income adults and teenagers during the past 18 months for jobs in the energy-efficiency field and is simultaneously taking steps to help develop this emerging industry.
Cascade , Volume 1

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