#givedirectly

#givedirectly

"The specific barrier is capital," says Lisa George, global head of the Macquarie Group Foundation. "Without access to capital, it's very hard to get social mobility and educational mobility in life."

Cash transforms health when four particular conditions are met. Most U.S. cash-transfer pilots have lacked them. But one major American policy does come close: the federal food-assistance program SNAP. Its success offers a road map for what effective cash assistance can look like in this country, if we choose to build on it.

I've always thought it would be good to acquire an old warehouse in every town throughout the land and convert it into low-rent community workspaces for artists, local charities and small businesses getting off the ground. A kind of people's WeWork. What would others do with a humungous, but not unlimited, pile of dosh to benefit society? Roland Freeman, West Yorkshire Send new questions to nq@theguardian.com.

Within hours of the Bondi beach terror attack, the money had already begun to pour in. As images of the tragedy flooded social media, people from around the world donated tens of thousands of dollars to the victims, their families and first responders. Passing the hat around the neighbourhood or the local pub has always been a staple response in times of crisis. But today, that instinct to open your wallet has been exponentially supercharged via a digital simulacrum: online crowdfunding platforms.