A Fragile Balance

A Fragile Balance

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A Fragile Balance examines strategies to promote emergency savings, especially among underserved households. Each chapter is by an expert contributor and proposes an innovative financial product or service designed to bolster emergency savings among low-asset families. This collection also offers readers insights into the role of emergency savings and mechanisms to facilitate savings behaviors, and raises critical questions of the scale, institutional capacity, sustainability, accessibility, and effectiveness of existing programs.Credit building is critical in successfully laying that groundworka€ (7). ... A 2008 study by the Federal Reserve Bank of Boston compared credit card applications from people with identical risk profiles and payment histories across zip codes.

Title:A Fragile Balance
Author: J. Michael Collins
Publisher:Palgrave Macmillan - 2015-03-12

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