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Journal Article
Nonprime loans: a view from the local level
Newberger, Robin G.; DiFranco, Daniel (2009-06)
This article presents information on the location of subprime and Alt-A mortgages ("nonprime" loans) in the five states within the Federal Reserve Bank of Chicago?s district (Illinois, Indiana, Iowa, Michigan, and Wisconsin). The purpose is to identify the zip codes and communities most affected, or at risk of being affected, by foreclosures. We present a series of maps that show the zip codes with the highest numbers and highest concentrations of subprime and Alt-A loans, as well as the past-due and foreclosure rates in these neighborhoods. For illustration purposes in the print version ...
Profitwise , Issue Jun , Pages 1-11

Journal Article
Food prices and the inflation experiences of low-income households
McGranahan, Leslie (2008-12)
Food prices have been rising rapidly over the past two years. In August 2008, aggregate food prices were 6.1 percent above their level in August 2007. Prices in August 2007 were already 4.8 percent above the level in August 2006. Because food purchases represent a larger portion of the expenditures of low-income households, these increases in price have a more substantial impact on the purchasing power of low-income households. This article describes the food inflation experiences of different population groups to demonstrate how different groups have been differentially affected by the ...
Profitwise , Issue Dec , Pages 8-16

Journal Article
Tax-time Savings: An Antidote to Financial Insecurity
Marzahl, David (2016)
The value proposition of ?What It?s Worth? is the opportunity, working collaboratively between the public, nonprofit and private sectors, to address the growing economic insecurity and financial stability plaguing a growing number of Americans. The results of countless polls and surveys evidence the financial uncertainty facing the least advantaged in our economy. The aftermath of the Great Recession and the loss of assets for many, combined with reduced job security, downward pressure on wages, and higher out-of-pocket health expenses are some of the drivers behind this insecurity.
Profitwise , Issue 3 , Pages 14-15

Journal Article
The impact of poverty on the location of financial establishments: evidence from across-county data
Riggs, T. Lynn; Newberger, Robin G. (2006-04)
The location of bank branches is an important issue for consumer advocates and other groups that monitor access to financial services for low- and moderate income people. The proximity of banks and their branches to the places where people live and work is one basic element of mainstream financial access. The ability of people to choose from an array of financial products, especially those offered through the banking system, is fundamentally related to the economic well-being of a community.
Profitwise , Issue Apr , Pages 2-5

Journal Article
The Northwest Side Community Development Corporation: transforming the approach to creating positive economic impact in distressed communities
Snyder, Howard; Daniell, Tina (2011-09)
From the late 1970s until about 2002,Milwaukee, Wisconsin, was home to a half dozen or so very active community development corporations ? earnest organizations staffed with dedicated individuals who used federal and state funds to try to improve economically depressed neighborhoods by purchasing distressed properties, rehabilitating them, and then either selling or renting them to qualified, low-income families or local businesses. This effort mirrored what was happening in the rest of the country. According to a 2005 survey by the National Congress of Community.
Profitwise , Issue Sep , Pages 3-6

Journal Article
Dislocated worker ten-year follow up
Knox, Karen (2008-09)
On a snowy February day in 1996, company officials at Advance Transformer (Advance) in Platteville, Wisconsin, gathered their workforce together for an unexpected announcement. One of Platteville?s largest employers would be closing its doors permanently.
Profitwise , Issue Sep , Pages 11-14

Journal Article
Alternative small dollar loans: creating sound financial products through innovation and regulation
Unrath, Matt; Giangreco, Chris; Kovach, Andrea (2010-09)
Low- to moderate-income borrowers need alternatives to payday loans to meet their short-term credit needs. This article provides an overview of consumer demand for smaller loans, and discusses how and why mainstream financial institutions should offer less costly alternatives to traditional payday loans. A two-year FDIC pilot, a smalldollar loan pool in Baltimore, and individual case studies suggest that such lending can be viable and profitable. The article concludes with recommendations for how financial institutions and regulators should support this effort.
Profitwise , Issue Sep , Pages 11-14

Journal Article
Do hispanic neighborhoods in Chicago promote or hinder homeownership opportunities?
Toussaint-Comeau, Maude; Newberger, Robin G. (2004-12)
Hispanics are one of the fastest-growing populations in the nation, yet they have one of the lowest rates of homeownership of all racial/ethnic groups. For a large proportion of Hispanic immigrants, particularly those from Mexico and other Latin American countries, housing needs remain critical. Researchers have found that Latino immigrants living in metropolitan areas are much more likely to live in crowded and severely inadequate housing and/or to experience a severe housing cost burden. While homeownership may not be the answer for all immigrants, it is an important aspect of the social ...
Profitwise , Issue Dec , Pages 24-25

Journal Article
Assets and opportunity in the Midwest: a comprehensive look at the 7th District based on the CFED Scorecard
Rademacher, Ida; Keeley, Kevin (2008-05)
There is perhaps no better or more tangible indicator of the strength of an economy than the measure of assets and protections ? financial, business, home, education, and health ? built by families and society. Not only does an accounting of the amount, range, and distribution of assets of an economy provide an incisive picture of the current health and resilience of an economy, but more importantly, it reflects the ability of an economy and the families within it to adapt, to find advantages, and to shape the future.
Profitwise , Issue May , Pages 13-17

Journal Article
Industrial cities initiative: working paper summary
Engel, Emily; Longworth, Susan (2012-08)
"Rust Belt" is an epitaph for cities large and small throughout America's midwestern and northeastern regions. It encapsulates social and economic changes: "population loss, rising crime rates, loss of union jobs particularly in manufacturing, White flights to the suburbs, and a generally declining urban environment," in which massive, but abandoned factories rusted away and scarred the landscape of once vibrant cities.
Profitwise , Issue Aug , Pages 2-17

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