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A report, Opportunities to Improve the Financial Capability and Financial Wellbeing of Postsecondary Students, has been prepared by the Financial Literacy and Education Commission (FLEC) and describes the state of financial education among postsecondary students. The report describes current More information...
Audience: Individual Researcher Teacher Youth
Type of Resource: Report
Tags: ​ Postsecondary Education, Financial Literacy, Financial Capability
Date: 7/22/2015
This report describes several linked empirical studies that examine the activities of public libraries in increasing the financial literacy of their service population. It describes a qualitative field study of librarians’ perceptions of the challenges in offering financial literacy-based More information...
Audience: Researcher
Type of Resource: Working paper
Date: 7/17/2014
Abstract: We propose a novel approach to estimate household income uncertainty at various future horizons and characterize how the estimated uncertainty evolves over the life cycle. We measure income uncertainty as the variance of linear forecast errors conditional on information available to More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Abstract: Recent fiscal policies have aimed to stimulate household spending. In 2008, most households received one-time economic stimulus payments. In 2009, most working households received the Making Work Pay tax credit in the form of reduced withholding; other households, mainly retirees, More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Abstract: This paper demonstrates the important role of job displacement in the household bankruptcy decision. I develop a dynamic, forward-looking model of unemployment and bankruptcy where persistent negative income shocks increase a household's likelihood of filing for bankruptcy both More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Abstract: This paper assesses the quantitative importance of a number of sources of income risk for household welfare and precautionary saving. To that end I construct a lifecycle consumption model in which household income is subject to shocks associated with disability, health, unemployment, job More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Abstract: We analyze the phenomenon that low- and moderate-income (LMI) tax filers exhibit a "preference for over-withholding" their taxes, a measure we derive from a unique set of questions administered in a dataset of 1,003 households, which we collected through the Survey Research Center at the More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Abstract: Using data from the PSID, we find that household income has become noticeably more volatile during the past thirty years. We estimate that the standard deviation of percent changes in household income rose one-fourth between the early 1970s and early 2000s. This widening in the More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Abstract: Recently, U.S. households have committed a rising share of disposable personal income to required principal and interest payments on household debt. Studies of the direct link between the household debt service ratio (DSR) and consumption show mixed results—perhaps because debt may More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Abstract: The ratio of total household debt to aggregate personal income in the United States has risen from an average of 0.6 in the 1980s to an average of 1.0 so far this decade. In this paper we explore the causes and consequences of this dramatic increase. Demographic shifts, house price More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012