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The Consequences of Insufficient Household Income

This new Consequences of Insufficient Household Income report provides a deeper level of understanding of the choices that ALICE and poverty-level families across the country make when they do not have enough income or assistance to afford basic necessities, and the consequences of those choices.

Kushel, M. B., Gupta,

Kushel, M. B., Gupta, R., Gee, L., & Haas, J. S. (2006). Housing Instability and Food Insecurity as Barriers to Health Care Among Low-Income Americans. Journal of General Internal Medicine. Retrieved from https://www.ncbi.nlm.nih.gov/pmc/articles/PMC1484604/ Litman, T. (2015). Analysis of Public Policies That Unintentionally Encourage and Subsidize Urban Sprawl. The Global Commission on the Economy and Climate, The New Climate Economy. Retrieved from http://static.newclimateeconomy.report/wp-content/ uploads/2015/03/public-policies-encourage-sprawl-nce-report.pdf Kusisto, L. (2015, July 28). Rent-to-Own Homes Make a Comeback. Wall Street Journal. Retrieved from http://www.wsj. com/articles/rent-to-own-homes-make-a-comeback-1438108813 Lambert, S. J., Fugiel, P. J., & Henly, J. R. (2014). Precarious Work Schedules among Early-Career Employees in the U.S. Employment Instability, Family Well-being, and Social Policy Network). Retrieved from https://ssascholars.uchicago.edu/sites/ default/files/work-scheduling-study/files/lambert.fugiel.henly_. precarious_work_schedules.august2014_0.pdf Laughlin, L. (2013, April). Who’s Minding the Kids? Child Care Arrangements: Spring 2011. Retrieved from Household Economic Studies, U.S. Census Bureau: https://www.census.gov/ prod/2013pubs/p70-135.pdf Lavizzo-Mourey, R. (2015). President’s Message: Weaving the Threads of Health. Robert Wood Johnson Foundation. Retrieved from http://www.rwjf.org/en/library/annual-reports/presidentsmessage-2015.html Lawyers Committee for Civil Rights. (2015, April 20). Not Just a Ferguson Problem: How Traffic Courts Drive Inequality in California. Retrieved from http://www.lccr.com/wp-content/ uploads/Not-Just-a-Ferguson-Problem-How-Traffic-Courts-Drive- Inequality-in-California-4.20.15.pdf Lazarony, L. (2016). Do Taxes Affect Your Credit Score? Retrieved from Credit.com: https://www.credit.com/taxes/do-taxesaffect-your-credit-score/ Long, M., Rae, M., Claxton, G., & Damico, A. (2016). Trends in Employer-Sponsored Insurance Offer and Coverage Rates, 1999-2014. Kaiser Family Foundation. Retrieved from http://kff. org/private-insurance/issue-brief/trends-in-employer-sponsoredinsurance-offer-and-coverage-rates-1999-2014/ Lorette, K. (2016). Penalties for Tax Evasion. Houston Chronicle. Retrieved from http://smallbusiness.chron.com/penalties-taxevasion-4224.html Ludden, J. (2016). Poverty Wages For U.S. Child Care Workers May Be Behind High Turnover. Retrieved from http://www.npr.org/ sections/health-shots/2016/11/07/500407637/poverty-wages-foru-s-child-care-workers-may-be-behind-high-turnover Luna, J., & Leopold, J. (2013). Landlord discrimination restricts the use of rental vouchers. Urban Institute. Retrieved from http://www.urban.org/urban-wire/landlord-discrimination-restrictsuse-rental-vouchers Ma, C., Gee, L., & Kushel, M. (2008). Associations Between Housing Instability and Food Insecurity with Health Care Access in Low-income Children. Ambulatory Pediatrics. Retrieved from https://www.ncbi.nlm.nih.gov/pubmed/18191782 Madowitz, M., Rowell, A., & Hamm, K. (2016). Calculating the Hidden Cost of Interrupting a Career for Child Care. Center for American Progress. Retrieved from https://cdn.americanprogress. org/wp-content/uploads/2016/06/17091517/ChildCareCalculatormethodology.pdf Leibtag, E., & Kumcu, A. (2011, May). The WIC Fruit and Vegetable Cash Voucher: Does Regional Price Variation Affect Buying Power? . Economic Information Bulletin (Number 75). Retrieved from http://www.ers.usda.gov/media/127579/eib Malik, R., Hamm, K., Adamu, M., & Morrissey, T. (2016). Child Care Deserts. Center for American Progress. Retrieved from https://www.americanprogress.org/issues/early-childhood/ reports/2016/10/27/225703/child-care-deserts/ Levitt, S. D. (1999). The Changing Relationship between Income and Crime Victimization. FRBNY Economic Policy Review. Retrieved from https://core.ac.uk/download/pdf/6792976.pdf Li, W., Farkas, G., Duncan, G. J., Burchinal, M. R., & Vandell, D. L. (2013). Timing of High-Quality Child Care and Cognitive, Language, and Preacademic Development. Developmental Psychology. Retrieved from https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4034459/ Maqbool, N., Viveiros, J., & Ault, M. (April 2015). The Impacts of Affordable Housing on Health: A Research Summary. Center for Housing Policy. Retrieved from http://www2.nhc.org/HSGandHealthLitRev_2015_final.pdf Marr, C., & Huang, C. (2012, September 17). Misconceptions And Realities About Who Pays Taxes. Center on Budget and Policy Priorities. Retrieved from http://www.cbpp.org//sites/default/files/ atoms/files/5-26-11tax.pdf Liaw, W., Petterson, S., Rabin, D. L., & Bazemore, A. (2014). The Impact of Insurance and a Usual Source of Care on Emergency Department Use in the United States. International Journal of Family Medicine. Retrieved from http://www.ncbi.nlm.nih.gov/pmc/articles/PMC3941574/ Marr, C., Huang, C., Sherman, A., & Debot, B. (2015, October 1). EITC and Child Tax Credit Promote Work, Reduce Poverty, and Support Children’s Development, Research Finds. Center on Budget and Policy Priorities. Retrieved from http://www.cbpp.org/research/federal-tax/eitc-and-child-tax-creditpromote-work-reduce-poverty-and-support-childrens 96 UNITED WAY ALICE REPORT – THE CONSEQUENCES OF INSUFFICIENT HOUSEHOLD INCOME

Mayer, C., & Pence, K. (2008). Subprime Mortgages: What, Where, and to Whom? Federal Reserve Board. Retrieved from https://www.federalreserve.gov/pubs/ feds/2008/200829/200829pap.pdf McCarthy, D., Radley, D., & Hayes, S. (2015). Aiming Higher: Results from a Scorecard on State Health System Performance, 2015 Edition. Commonwealth Fund. Retrieved from http://www.commonwealthfund.org/publications/fund-reports/2015/ dec/aiming-higher-2015 McElwee, S. (2016). Enough to Make You Sick: The Burden of Medical Debt. Retrieved from http://www.demos.org/publication/ enough-make-you-sick-burden-medical-debt McKinsey & Company. (2009). The Economic Impact of the Achievement Gap in America’s Schools. Retrieved from http://mckinseyonsociety.com/downloads/reports/Education/ achievement_gap_report.pdf McQueen, M. (2008, December 17). Road Risks Rise as More Drivers Drop Insurance: Higher Premiums, Joblessness Contribute to Alarming Trend; What to Do When You’re Hit . Wall Street Journal. Retrieved from http://online.wsj.com/article/ SB122947388659212351.html Medicare. (2016). Your Medicare Coverage: Dental Services. Retrieved from https://www.medicare.gov/coverage/dental-services.html Medicare. (2016). Your Medicare Coverage: Eye Exams. Retrieved from https://www.medicare.gov/coverage/eye-exams.html Mental Health America. (2015). Parity or Disparity: The State of Mental Health in America 2015. Retrieved from http://www.mentalhealthamerica.net/sites/default/files/Parity%20 or%20Disparity%20Report%20FINAL.pdf Merle, R. (2010). Minorities Hit Harder by Foreclosure Crisis. Washington Post. Retrieved from http://www.washingtonpost.com/ wp-dyn/content/article/2010/06/18/AR2010061802885.html Mersky, J., Topitzes, J., & Reynolds, A. (2013). Impacts of Adverse Childhood Experiences on Health, Mental Health, and Substance Use in Early Adulthood: A Cohort Study of an Urban, Minority Sample in the U.S. Child Abuse & Neglect. Retrieved from https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4090696/ MetLife Mature Market Institute. (2010, February). The MetLife Study of Working Caregivers and Employer Health Care Costs. Retrieved from https://www.metlife.com/assets/cao/ mmi/publications/studies/2011/mmi-caregiving-costs-workingcaregivers.pdf Mitra, D. (2011). Pennsylvania’s Best Investment: The Social and Economic Benefits of Public Education. Pennsylvania State University. Retrieved from http://www.elc-pa.org/wp-content/ uploads/2011/06/BestInvestment_Full_Report_6.27.11.pdf Mojtabai, R. (2005). Trends in Contacts With Mental Health Professionals and Cost Barriers to Mental Health Care Among Adults With Significant Psychological Distress in the United States: 1997–2002. American Journal of Public Health. Retrieved from http://ajph.aphapublications.org/doi/10.2105/ AJPH.2003.037630 Moore, K. (2013, August). Food Stamp Fraud: Some Recipients Used Cash to Pay for Rent, Power and Toilet Paper. Daily Gazette. Retrieved from https://dailygazette.com/ article/2013/08/03/0804_foodstamps Morse, S., Karlinsky, S., & Bankman, J. (2009). Cash Businesses and Tax Evasion. Stanford Law & Policy Review, 20(1), 37-68. Retrieved from https://law.stanford.edu/wp-content/uploads/ sites/default/files/publication/259083/doc/slspublic/Morse%20 Bankman%20Karlinsky%2020StanLPolyRev37.pdf Myers, A. (2015). Non-Emergency Medical Transportation: A Vital Lifeline for a Healthy Community. National Conference of State Legislatures. Retrieved from http://www.ncsl.org/research/ transportation/non-emergency-medical-transportation-a-vitallifeline-for-a-healthy-community.aspx National Alliance on Mental Illness (NAMI). (2015). Mental Health by the Numbers. Retrieved from http://www.nami.org/Learn-More/ Mental-Health-By-the-Numbers National Alliance to End Homelessness. (2010). Interactive Tool: Cost Savings with Permanent Supportive Housing. Retrieved from http://www.endhomelessness.org/library/entry/cost-savings-withpermanent-supportive-housing National Alliance to End Homelessness. (2015). Cost of Homelessness. Retrieved December 18, 2015, from http://www.endhomelessness.org/pages/cost_of_homelessness National Alliance to End Homelessness. (2015). The State of Homelessness in America. Retrieved from http://www.endhomelessness.org/page/-/files/State_of_ Homelessness_2015_FINAL_online.pdf National Association for the Education of Young Children. (2009). Developmentally Appropriate Practice in Early Childhood Programs Serving Children from Birth through Age 8. Retrieved from http://www.naeyc.org/files/naeyc/file/positions/PSDAP.pdf National Association of Dental Plans. (2014). Who Has Dental Benefits? Retrieved from http://www.nadp.org/Dental_Benefits_Basics/Dental_BB_1.aspx National Center for Education Statistics. (2014). Table 309.10: Residence and Migration of All First-time Degree/Certificateseeking Undergraduates in Degree-granting Postsecondary Institutions, by State or Jurisdiction: Fall 2012. Retrieved from http://nces.ed.gov/programs/digest/d14/tables/dt14_309.10.asp National Center for Education Statistics. (2015). The Condition of Education. Retrieved from https://nces.ed.gov/pubs2015/2015144_highlights.pdf UNITED WAY ALICE REPORT – THE CONSEQUENCES OF INSUFFICIENT HOUSEHOLD INCOME 97

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