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Abstract: The lack of property tax escrow accounts among subprime mortgages causes borrowers to make large lump-sum tax payments that reduce liquidity. Different property tax collection dates across states and counties create exogenous variation in the time between loan origination and the first More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
This presentation reviews the state of federal spending and discusses the role of improved financial literacy as part of a three-pronged strategy (1) Improve Financial Reporting, Public Education, and Performance Metrics (2) Strengthen Budget and Legislative Processes and Controls (3) Fundamental More information...
Audience: Researcher
Type of Resource: Presentation
Date: 3/27/2012
The Dodd-Frank Wall Street Reform and Consumer Protection Act mandated that GAO study the oversight of financial planners. This report examines (1) how financial planners are regulated and overseen at the federal and state levels, (2) what is known about the effectiveness of this regulation, and More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
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
… trpropubwfe21:8086/researcher/Lists/Researchers … trpropubwfe21:8086/researcher/Lists/Researchers … DispResource.aspx Researcher More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
… trpropubwfe21:8086/researcher/Lists/Researchers … trpropubwfe21:8086/researcher/Lists/Researchers … DispResource.aspx Researcher 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
… trpropubwfe21:8086/researcher/Lists/Researchers … trpropubwfe21:8086/researcher/Lists/Researchers … DispResource.aspx Researcher More information...
Audience: Researcher
Type of Resource: Article Journal Peer-reviewed
Date: 3/27/2012
Abstract: American parents, teachers, and policymakers generally express strong support for personal financial education for high school students, despite a need for further research to determine if such education is effective in improving long-term decision-making capabilities. However, research More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012