Increasing Employment Without Lifting Income Tends Not To Improve Child Outcomes
Some have suggested that increases in parental employment not income are the real reason children seem to fare better in economic security programs. The evidence suggests otherwise.
Educational gains have been found both from income-support programs that raise parental employment and those that do not. One cross-program comparison of 16 local welfare-to-work and anti-poverty policies in the early 1990s noted:
All of these policies increased parental employment, while only some increased family income. These analyses indicated improved academic achievement for preschool and elementary school children by programs that boosted both income and parental employment, but not by programs that only increased employment. These experimental findings suggest that income plays a causal role in boosting younger childrens achievement.
Moreover, as the same researchers noted, earlier income-boosting programs that did not raise employment also lifted childrens educational outcomes. Taken together, this suggests that income gains tend to help children succeed in school, while lifting parental employment is neither necessary nor sufficient to do so.
Chetty, Friedman and Rockoff.
Austin Nichols and Jesse Rothstein, The Earned Income Tax Credit , NBER Working Paper Number 21211, May 2015, p. 5, .
Cunningham and MacDonald.
Ibid., p. 6.
Brooks-Gunn and Duncan.
Hoynes, Schanzenbach, and Almond.
Learn About The Housing Choice Voucher Program
The Housing Choice Voucher Program is a program from the Department of Housing and Urban Development . It helps families with a low income, seniors, and people with disabilities pay for rental housing.
You can find your own housing, including single-family homes, townhouses, and apartments. Housing Choice vouchers can pay for all or part of the rent.
Sb 2 Planning Grants Program
The SB 2 Planning Grants program provides one-time funding and technical assistance to all eligible local governments in California to adopt, and implement plans and process improvements that streamline housing approvals and accelerate housing production. Eligible activities include updating a variety of planning documents and processes such as general plans and zoning ordinances, conducting environmental analyses, and process improvements that expedite local planning and permitting. The planning grants program is funded through the Building Homes and Jobs Act Trust Fund . HCD intends on releasing the NOFA in March of 2019.
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Temporary Assistance For Needy Families
Temporary Assistance for Needy Families , also known as welfare, is another federally funded, state-run benefits program designed to help families achieve independence following temporary difficulty. Qualified recipients may receive help with food, housing, home energy, childcare, and job training. TANF recipients must engage in some type of work activity as defined by their state.
Each state runs its own TANF program and determines eligibility criteria. You can apply at your local county social services agency or call your state TANF office for local contact information to sign up for benefits. Qualifying for TANF does not disqualify you for other government benefits.
Get Help Paying For Child Care
According to Child Care Aware of Americas 2017 report, Parents and the High Cost of Child Care, child care is one of the biggest items in families monthly budgets. It is often higher than the cost of housing, college tuition, transportation, or food. Families across the country know that it can be hard to find quality child care that is affordable.
High-quality child care programs may cost more than other options. But when children are in a quality child care program they are able to develop, explore, and grow. A safe and nurturing early learning environment allows children to get ready for school, and allows their parents to focus on work or school knowing that their child is in a healthy, caring environment.
It is important to make sure your child care provider meets health and safety requirements. You should always ask to see a copy of the providers license. It is also a good idea to review the providers inspection reports. Visit our state resources page to learn how to access these reports in your state.
If youre not sure whether you can afford quality child care, keep reading. Well start with a list of some resources that may be able to help you pay for child care. At the end of this page, we cover some suggestions that may help you find lower-cost options.
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Earned Income Tax Credit
Earned Income Tax Credit is a tax credit for families with at least one child. They must make less than $51,567 a year to qualify. In 2012, over 27 million received credits totaling $63 billion. Thats a little more than $2,335 per taxpayer. EITC lifted 6.5 million people out of poverty, half of whom were children.
What Are Government Programs For Low Income Families
Government assistance or Government Grants are the Programs run by the government and state governments through Various Non Profitable Organizations or Charitable Organizations to help the low income Households. The purpose of these programs is to support families living in poverty to improve their food, health, and education, while providing financial resources and services.
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How To Qualify For Pbra
To qualify for this program, you must be 18 years and above. Also, you must be a U.S. citizen or non-citizen with legal status. Additionally, families whose area median income does not exceed 80% can qualify.
Persons previously convicted of a crime may not qualify. In addition, having a weak credit rating will affect approval. Also, a failure to have acceptable references from previous properties may affect your eligibility. Lastly, you may be disqualified from this rental program if you provide false information on the application.
Take A Look At Netzero Or Freedompop
These two companies advertise free options that may work for you if youre not a heavy internet user. NetZero Dial-Up includes 10 hours of free internet access a monthalthough with dial-up speeds, you wont have very fast access. FreedomPop, meanwhile, advertises 1 GB of free data with DSL-level speeds. There is no income requirement for either of these programs but youll need to check to make sure youre in an area they service.
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Transit Oriented Development Housing Program
The TOD program makes low-interest loans and grants for rental housing that includes affordable units that are located within one-quarter mile of a transit station. Eligible applicants include cities, cities and counties, transit agencies, developers, and redevelopment agencies. Applications are accepted in response to a periodic Notice of Funding Availability.
How To Pay Off Debt With Low Income
At the low-income level, theres obviously not a lot of wiggle room for disposable income. But with some resourcefulness, hard work and imagination, families can maximize their money by setting and tracking financial goals.
Heres the money quote that should motivate you.
Paying off debt is rarely about how much money you make. Its about managing the money you have.
There are actually many high-income earners who live paycheck-to-paycheck because theyre frivolous with their money. The most financially successful families learn how to manage the money they have and budget accordingly.
For low-income families, here are some tips that will start you on your way to managing the money you have. The first step is to make a plan. What goal are you trying to achieve? What resources can you tap to make it happen? What percentage of your budget you allot for housing? For food? Utilities? Transportation?
If you dont feel experienced enough to create an affordable budget, get a free consultation with a nonprofit credit counseling agency like InCharge Debt Solutions. The counselors are professionals who offer assistance to low-income families trying to escape from debt.
Here are other suggestions that should be considered resources for low-income families to regain control of their finances:
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Get Help With Utility Bills
Need help paying your heating or phone bill? These programs may be able to help:
The Low Income Home Energy Assistance Program helps low-income households cover heating and cooling costs. Grants are issued via states, which receive funding from the Department of Health and Human Services. Each state sets its own eligibility requirements, including income levels.
The Lifeline program offers discounted phone or internet service. You must meet certain eligibility requirements.
Section 811 Project Rental Assistance
Section 811 Project Rental Assistance offers long-term project-based rental assistance funding from the U.S. Department of Housing and Urban Development through a collaborative partnership among the California Housing Finance Agency , Department of Health Care Services , Department of Housing and Community Development , Department of Developmental Services and California Tax Credit Allocation Committee . Opportunities to apply for this project-based assistance are through a Notice of Funding Availability published by CalHFA . NOTE: Currently funds are available on an over-the-counter basis.
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Who Qualifies For Low
Recipients of these kind of government benefits must prove their income is below a set amount, which is some percentage of the federal poverty level. Most programs also require you to be a United States citizen or an eligible non-citizen. And many programs have state requirements based on family size and details about combined family income.
Through executive order, the Trump administration has called for the introduction of work requirements to receive some of these welfare benefits. President Trump doubled down on this concept, tying them into the 2020 fiscal budget he introduced. For now, the government agencies and departments that administer these programs are developing ways to introduce work requirements into many of these programs.
And dont forget that welfare programs are not entitlement programs by definition. Entitlement programs, like Social Security and unemployment insurance, determine eligibility based on prior contributions from payroll taxes. Welfare programs, however, are based solely on a familys income level, and thus level of need.
Now lets look at each of these government programs in more detail:
Search For Financial Assistance From The Government
Benefits.gov is a free website that can help you determine which types of government assistance you might qualify for. You can also find out how and where to apply.
Using the Benefit Finder, answer questions about yourself and your needs. Afterwards, you can find out if youre eligible for programs to help you pay for:
Utilities, and other necessities
Check back with Benefits.gov in the future to see if youre eligible for additional benefits. You can report major life events or see if new benefit programs have become available.
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Housing For A Healthy California
HHC provides funding on a competitive basis to deliver supportive housing opportunities to developers using the federal National Housing Trust Funds allocations for operating reserve grants and capital loans. The Department will also utilized from a portion of moneys collected in calendar year 2018 and deposited into the Building Homes and Jobs Trust Fund to provide funding through grants to counties for capital and operating assistance. Funds will be announced through a Notice of Funding Availability.
Us Department Of Agriculture
The USDA offers a number of programs aimed at all sectors of the agricultural community. Programs include farm loans, housing assistance,loans and grants for rural economic development, loans for beginning farmers and ranchers, livestock insurance, and more.Detailed information on all USDA programs, including how to apply, can be found on the USDA Grants and Loans program webpage.
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Social Security Disability Insurance Benefits
Social Security Disability Insurance benefits are paid to people who cannot work for at least one year due to a medical condition or who are expected to die from that condition.
To be eligible, you must:
- Have worked in a job or jobs covered by Social Security
- Meet Social Securitys definition of disability
- Have worked long enough and recently enough to qualify for disability benefits
Additional information about SSDI can be found in the Social Security Disability Benefits brochure. The Social Security Disability Planner helps you determine if you are eligible. If you believe you qualify, you can apply online.
Emergency Solutions Grants Program
ESG makes grant funds available for projects serving homeless individuals and families through eligible non-profit organizations or local governments. ESG funds can be used for supportive services, emergency shelter/transitional housing, homelessness prevention assistance, and providing permanent housing. Funds are available in California communities that do not receive ESG funding directly from the U.S. Department of Housing and Urban Development. Funding is announced annually through a Notice of Funding Availability.
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Safety Net Supports Working Families And Promotes Work
Over the past three decades, policymakers changed the safety net substantially so that it now does much more to promote work and support low-income working families whose earnings arent high enough to make ends meet and much less to support low-income families that lack earnings.
Thirty years ago, the main assistance programs for families with children were the Aid to Families with Dependent Children program, Medicaid, food stamps, and a very small EITC. AFDC provided assistance largely to single mothers during periods of joblessness if a mother earned too much to qualify, she would lose not only income assistance but also Medicaid. Medicaid generally covered only parents and their children as well as elderly and disabled people who received cash welfare benefits the working poor did not qualify. Far fewer households with children that received food stamps were working. The EITC did little more than offset some of the payroll taxes that working poor families owed. Child care assistance mainly supported those families receiving AFDC who were in education or training programs it did little to assist the working poor.
The situation is very different today.
Access To Many Types Of Rentals
Depending on your needs, you can access high-rise apartments, single-family homes, or townhouses. Housing in all sizes and types. Currently, there are more than 1.5 million occupied public housing units that the Public Housing Authorities run.
To qualify for this program, you must be a U.S. citizen or have legal immigration documents. Additionally, you must be within the programs income limits. Also, you must be a senior citizen, a family or a person living with disabilities.
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Pcs For People Free Laptop Assistance
PCP or Pcs for People is a non government organizations which started in 1998, and has grown every year since then. like any other non government organization Pcs for people also have a strict eligibility criteria, once you fulfill this basic criteria you can apply for Pcs for people free laptop assistance. A Applicant who is wiling should either be below the 200% poverty level , Must have a family member with a disability, or work with a social welfare organizations or himself is a social worker. official site
Other Ways To Lower Your Internet Costs
If you dont qualify for low-income internet plans but still need assistance, there are other ways you can lower your internet bill. If you dont use the internet daily, you can opt for using free public WiFi hotspots. This solution may be good for users who only use the internet intermittently and may also be able to supplement with a cost-effective mobile data plan.
Using public internet may not be convenient for many users. If you do need a home internet, you can keep your plan costs low by only paying for what you need. If you currently have internet, check your internet speed at home. By a good rule of thumb, 5-40 Mbps is enough for two users who enjoy browsing, gaming, streaming and downloading. If your internet is faster than that, you may be paying too much for speeds you dont need.
To keep costs low, speak with your internet provider to make sure youre only paying for what you need. Consider different plan options like bundles, where you can keep monthly costs low by using the same provider for phone, internet and cable.
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Can I Get Help Paying My Utility Bills
There are a number of government programs available to help defer the costs of utility bills.
The Lifeline program run by the Federal Communications Commission helps low-income individuals and families get discounted landline and cell phone service. Lifeline provides a monthly discount of up to $9.25 on monthly telephone service, broadband Internet access service, or voice-broadband bundled service purchased from participating providers. Subscribers can receive a Lifeline discount on either a wireline or a wireless service, and you can get one Lifeline service per household.
Lifeline is available to eligible low-income consumers in every state, commonwealth, territory, and on Tribal lands. To be eligible, you must have an income at or below 135% of the Federal Poverty Guidelines or participate in certain federal assistance programs, such as the Supplemental Nutrition Assistance Program , Medicaid, Supplemental Security Income , Federal Public Housing Assistance , Veterans Pension and Survivors Benefit, or Tribal programs . You can check online to see what providers offer Lifeline services in your area and see if and what kind of benefits you might qualify for.
The Next Generation And What Is To Come
A common misconception of housing programs is that it enforces a cycle of inefficiency and dependency for the recipients. But, that is not factual. The truth is students who take part in housing programs are less likely to drop out. The housing program gives them a stable place of residence, which does not disrupt their school attendance or forces them to change schools. Housing insecurity leads to an increase to lower academic achievements and a strain on childrens mental health.
To keep it simple and a little bit emotional for you, your children feel safer and hopeful. They can be a kid, again, without worrying about grown up stuff. They can focus on themselves and stay hopeful that they can actually make it in the world.
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