Publications

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More Young Adult Migrants Moving to New Hampshire from Other U.S. Locations
December 6, 2018
New Hampshire received a significant net inflow of people from other U.S. states between 2013 and 2017 according to new Census Bureau estimates. The average annual domestic migration gain was 5,900 between 2013 and 2017
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The Interaction Between the Minimum Wage and the Federal EITC
November 13, 2018
Increases in the minimum wage are widely assumed to be beneficial for low-income workers, but it is important to consider the effect an increase might have on eligibility for other benefits, particularly the federal Earned Income Tax Credit (EITC). This fact sheet examines the interaction between the minimum wage and the EITC to determine whether a minimum wage increase would produce gains in the…
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Data Snapshot: Fewer Young Adults Lack Health Insurance Following Key ACA Provisions
October 31, 2018
The share of people without health insurance has dropped dramatically since the implementation of the Affordable Care Act (ACA), but declines have been most dramatic among young adults age 19 to 25. In 2008, one-in-three 23-year-olds were uninsured, likely reflecting their graduation from college and therefore, their ineligibility to be covered on parental plans. Beginning in 2010, the ACA…
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The USDA Summer Food Service Program in Coös County, New Hampshire
October 30, 2018
In this report, author Jean Bessette examines the U.S. Department of Agriculture (USDA) Summer Food Service Program (SFSP) operating in 2017 in four communities in Coös County, New Hampshire. She reports that the SFSP provides benefits to Coös County on multiple levels. For children, it ensures the availability of nutritious meals in the summer when school meal programs are not operating; for…
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Data Snapshot: EITC Continues to Reach Families in Poor Places
October 9, 2018
Recent proposals in the House and Senate (for example, the Grow American Incomes Now Act) focus on amplifying the Earned Income Tax Credit (EITC)—a refundable tax credit for low-income workers—to compensate for growing wage inequity. We find that the share of EITC filers who are families with children is especially high in the poorest counties (those counties outlined in black on Map 1),…
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Forgotten Fifth: Child Poverty in Rural America, The
June 29, 2009
One in five poor children in this country lives in a rural area. Yet this group of vulnerable young Americans is seldom on the minds of the public or policy makers when they talk about child poverty in the United States. This report highlights child poverty statistics in rural America and compares them to urban areas, discussing how they are affected by family, education, employment, and the…
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Rural Children Are More Likely to Live in Cohabiting-Couple Households
June 29, 2009
As cohabiting increases nationwide, new data show that the growing rate of children in these households is most pronounced in rural areas. This brief analyzes recent U.S. Census Bureau data to explore these trends and patterns.
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Rural Workers More Likely to Work Nontraditional Shifts
June 24, 2009
Workers in rural areas have historically worked at different times of the day compared to their counterparts in urban areas, including during less traditional work periods, such as in the early morning, afternoon, and evening hours. This brief presents a snapshot of the rural workforce around the clock.
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Stay or Leave Coös County? Parents' Messages Matter
June 22, 2009
When it comes to deciding whether to stay in New Hampshire's rural Coös County or leave for other opportunities, young people are listening to their parents. Surveying 78 percent of all seventh and eleventh graders in public schools in Coös County, researchers found that young peoples' future intentions to migrate from Coös in search of economic or educational opportunities or to remain…
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New, Longer Road to Adulthood: Schooling, Work, and Idleness among Rural Youth, The
June 1, 2009
This report focuses on the education and work experiences of rural youth during the emerging adult years (age 20 to 24), as they make the transition from adolescence to adulthood. It documents how rural emerging adults combine work and school and experience idleness, closely examines their educational attainment, and compares their experiences with those in central city and suburban areas.
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Rural Workers Would Benefit from Unemployment Insurance Modernization
May 17, 2009
Rural workers stand to benefit from the modernization of unemployment insurance (UI) to cover part-time workers, which is an opportunity for states under the American Reinvestment and Recovery Plan (ARRA). Rural workers are more likely to work part-time, and many states that do not provide UI benefits to part-time workers have higher than average proportions of rural residents.
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Seventy-eight Percent of Working Rural Families to Receive Full Making Work Pay Tax Credit
May 13, 2009
The Making Work Pay Tax Credit provides eligible U.S. workers with additional money in each paycheck throughout the year. The fact sheet shows that 78 percent of rural working families will receive the full amount of the credit, while an additional 10 percent of families will receive a partial credit due to low earnings or high earnings. These tax credits, along with the expansion to the Child…
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Forty-three Percent of Eligible Rural Families Can Claim a Larger Credit with EITC Expansion
May 11, 2009
This policy brief on the changes to the Earned Income Tax Credit in the ARRA also shows that families with three or more children and married couples will receive an increased refund under these new EITC rules for tax years 2009 and 2010. Many families in urban and suburban communities will also see increased benefits under these new provisions.
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Navigating the Teen Years: Promise and Peril for Northern New Hampshire Youth
May 6, 2009
This report provides a snapshot of how youth are doing in Carroll, Coos, and Grafton counties and describes some of the difficulties they and their communities face as they negotiate the transition to adulthood. The study is based on data from several agencies that collect county- and community-level information about youth, as well as from interviews with individuals working with youth in each…
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Paid Sick Time Helps Workers Balance Work and Family
May 4, 2009
In New Hampshire, workers fare better than workers nationally, yet one-quarter of Granite State workers do not have paid sick days. The lack of paid sick days places workers in a bind. They are forced to choose between caring for a sick family member or themselves and losing pay. This brief suggests that the long-term benefits of workers having paid sick days out way the cost for employers…
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Child Tax Credit Expansion Increases Number of Families Eligible for a Refund
May 1, 2009
The analysis shows that more than 500,000 rural families, or almost 9 percent of rural families, will become newly eligible for the Child Tax Credit under the expansion included in the American Recovery and Reinvestment Act. Within these families are an estimated 900,000 rural children. The proportion of urban families benefiting from the expanded Child Tax Credit is slightly lower than in rural…
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Financial Innovations Roundtable: Developing Practical Solutions to Scale up Integrated Community Development Strategies
April 1, 2009
Essays from national experts affiliated with the “think-do” tank , the Financial Innovations Roundtable, housed at the Carsey Institute at the University of New Hampshire.
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Maximizing Returns to Colleges and Communities
February 1, 2009
Colleges and universities depend tremendously on their local communities in numerous ways, and through community investment, have a unique opportunity to support these communities in turn. This handbook provides an overview of community investment, including a step-by-step guide to implementing a community investment program that maximizes both financial and social returns.
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Experience of the New Hampshire Community Loan Fund in Mainstreaming of Acquisition Loans to Cooperative Manufactured Housing Communities, The
January 1, 2009
This study aimed to provide evidence of the extent to which a financial product―land acquisition loans for manufactured home parks―performed well and was adopted by mainstream financial institutions. The study hypothesized that The New Hampshire Community Loan Fund’s effective introduction of the new loan product, coupled with excellent loan performance, led banks to adopt the loan product.
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Promise and Responsibility of Community Finance, The
January 1, 2009
Community development finance has played an important role in community revitalization over the past 30 years and may be even more important in the current financial climate. But today community development finance institutions (CDFIs), as well as many community banks and credit unions face significant funding stress. This brief highlights the importance of refocusing support of CDFIs to sustain…