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The Publications.USA.Gov website allows users to order from the hundreds of publications in the Catalog on topics such as credit, saving for retirement, investing and more. More information...
Audience: Individual Teacher Youth
Type of Resource: Website
Date: 3/28/2012
Using credit report records and data collected from several household surveys, we analyze changes in household debt and saving during the 2007 recession. We find that, while different segments of the population were affected in distinct ways, depending on whether they owned a home, whether they More information...
Audience: Researcher
Type of Resource: Report
Date: 3/28/2012
… and Level of Discretionary Retirement Savings 1 http … and Level of Discretionary Retirement Savings http://trpropubwfe21 … and Level of Discretionary Retirement Savings http://trpropubwfe21 … More information...
Audience: Researcher
Type of Resource: Article Journal Peer-reviewed
Date: 3/27/2012
In 2009, the Center for Retirement Research analyzed responses to the financial and economic downturn of workers approaching retirement. The CRR surveyed 1,317 workers age 45 to 59 between July and August 2009. The main results showed a significant rise in expected retirement ages, but little More information...
Audience: Researcher
Type of Resource: Brief
Date: 3/27/2012
In 1995, the Social Security Administration started sending out the annual Social Security Statement. It contains information about the worker’s estimated benefits at the ages 62, 65, and 70. I use this unique natural experiment to analyze the retirement and claiming decision-making. First, I find More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
This article summarizes a Federal Reserve Board research study focusing on the effectiveness of a financial education program for military personnel. Soldiers attending the Army’s air defender advanced individualized training (AIT) at Ft. Bliss were offered a two-day financial education course More information...
Audience: Researcher
Type of Resource: Article
Date: 3/27/2012
The case is often made that financial education leads to improved financial decisions. In this paper, we begin by assessing the need for financial education by reviewing national trends in savings, debt, and retirement funding as well as by reviewing the literature linking personal financial More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Many 401(k) retirement plans allow participants to take loans from their accounts before they retire. However, if they have not paid them off before leaving their jobs, they must pay them in full immediately. Based on a large dataset from Vanguard, this study is the first of its kind to quantify More information...
Audience: Researcher
Type of Resource: Brief
Date: 3/26/2012
Abstract: I test the credit-market effects of housing wealth shocks by estimating the consumption elasticity of house price shocks among households in different age quintiles. Younger households face faster expected income growth and hence would like to borrow more than older households. I estimate More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Abstract: It is well accepted that households increase consumption of goods and services in response to an unexpected increase in wealth. Consensus estimates of this wealth effect are in the range of 3 to 5 cents of additional consumption spending in the long run for each additional dollar of More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012