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Do Household Savings Encourage Entrepreneurship Household Wealth Parental Wealth And The Transition In And Out Of Entrepreneurship
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Book Synopsis Do Household Savings Encourage Entrepreneurship? Household Wealth, Parental Wealth, and the Transition in and Out of Entrepreneurship by : Erik Hurst
Download or read book Do Household Savings Encourage Entrepreneurship? Household Wealth, Parental Wealth, and the Transition in and Out of Entrepreneurship written by Erik Hurst and published by . This book was released on 2015 with total page 25 pages. Available in PDF, EPUB and Kindle. Book excerpt: Using data from three different surveys, we report several important facts about entrepreneurship and household savings. Moreover, we show that the propensity to become a business owner in the United States is a non-linear function of wealth. The relationship between wealth and entry into entrepreneurship is essentially flat over the majority of the wealth distribution. It is only at the top of the wealth distribution - after the 95th percentile - that a positive relationship can be found. Segmenting businesses into industries with high and low starting capital requirements, we find no evidence that wealth matters more for businesses requiring higher initial capital. We also exploit the regional variation in house prices as an instrument for liquidity. Households who lived in regions where housing prices appreciated strongly were no more likely to start a business than households in other regions. Not only household wealth but also parental wealth has not effect on business formation. Moreover, wealth has no effect on business survival. Thus, while liquidity constraints may be important for some households, they are not a major impediment to small business formation and business success in the United States.
Book Synopsis Overcoming Barriers to Entrepreneurship in the United States by : Diana Furchtgott-Roth
Download or read book Overcoming Barriers to Entrepreneurship in the United States written by Diana Furchtgott-Roth and published by Lexington Books. This book was released on 2008 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book presents, chapter-by-chapter, evidence for and possible solutions to many of the most evident obstacles to entrepreneurs. It seeks to demonstrate that policy changes can have a significant effect on entrepreneurship in America by reducing barriers that block business creation.
Book Synopsis Measuring Entrepreneurial Businesses by : John Haltiwanger
Download or read book Measuring Entrepreneurial Businesses written by John Haltiwanger and published by University of Chicago Press. This book was released on 2017-09-21 with total page 488 pages. Available in PDF, EPUB and Kindle. Book excerpt: Measuring Entrepreneurial Businesses: Current Knowledge and Challenges brings together and unprecedented group of economists, data providers, and data analysts to discuss research on the state of entrepreneurship and to address the challenges in understanding this dynamic part of the economy. Each chapter addresses the challenges of measuring entrepreneurship and how entrepreneurial firms contribute to economies and standards of living. The book also investigates heterogeneity in entrepreneurs, challenges experienced by entrepreneurs over time, and how much less we know than we think about entrepreneurship given data limitations. This volume will be a groundbreaking first serious look into entrepreneurship in the NBER's Income and Wealth series.
Book Synopsis Redefining Retirement by : Brigitte Madrian
Download or read book Redefining Retirement written by Brigitte Madrian and published by OUP Oxford. This book was released on 2007-07-12 with total page 346 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the leading edge of the 'Baby Boom' generation attains age 60, members of this unusually large cohort born 1946-66 are poised to redefine retirement - just as they have restructured educational, housing, and labor markets in prior days. Looking ahead, their numbers and energy are sure to have a major impact on national pensions, healthcare, and social safety nets. Contributors to this volume note that 'Boomers' will be better off than their predecessors in many ways, having benefited from the long run-up in housing prices, dramatic improvements in healthcare, and the expanding economy. On the other hand, the generation's sheer size will surely squeeze resources and require new approaches to retirement risk management. This volume paints a complex and fascinating picture as Boomers move into retirement. On average they are in better financial and physical health than prior cohorts, and they can be anticipated to fare better than current retirees in absolute terms. Yet the distribution of retiree income and wealth will be less equal than in earlier years, and in relative terms, many Boomers will be less well off than their forebears. Contributors to the volume use many invaluable models and datasets, including the incomparable Health and Retirement Study (HRS) which affords unique insights into the status of mature adults surveyed at the same age and hence same point in their life cycles, but at three different time periods. Analysts offer new evidence about prospects for health and income during retirement, as well as pensions and housing equity, health, portfolio allocation, and financial literacy. This book offers readers an invaluable and first book-length study of Boomers as they march into retirement. As such, it represents an invaluable addition to the Pension Research Council/Oxford University Press series. It will be especially useful for scholars and policymakers seeking to understand retirement preparedness, to actuaries and tax specialists concerned with retirement system regulation, and to plan sponsors interested in the determinants of work and retirement at older ages.
Book Synopsis Entrepreneurship and Household Saving by : William M. Gentry
Download or read book Entrepreneurship and Household Saving written by William M. Gentry and published by . This book was released on 2000 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this paper, we argue that costly external financing for entrepreneurial investments (coupled with potentially high returns on those investments) has important implications for the saving, investment, and entry decisions of continuing and potential entrepreneurs. These effects are similar in spirit to the role played by costly external financing on investment by corporations. Using data from the 1983 and 1989 Federal Reserve Board Surveys of Consumer Finances, we quantify three findings about entrepreneurial saving decisions and their role in household wealth accumulation. First, entrepreneurial households own a substantial share of household wealth and income, and this share increases throughout the wealth distribution and the income distribution. Second, the portfolios of entrepreneurial households, even wealthy ones, are very undiversified, with the bulk of assets held within active businesses. Third, wealth-income ratios and saving rates are higher for entrepreneurial households even after controlling for age and other demographic variables. Taken together, these findings suggest that studies of household saving decisions in general and of the savings decisions of wealthy or high-income households in particular have paid insufficient attention to the role of entrepreneurial decisions and their role in wealth accumulation. Our conclusion that entrepreneurial saving and investment decisions are interdependent raises three areas for future research: (1) measuring the role of entrepreneurs in aggregate wealth accumulation; (2) studying implications for portfolio allocation and asset pricing; and (3) analyzing consequences for tax policy toward entrepreneurial saving and investment
Book Synopsis Entrepreneurship and Household Saving by : William M. Gentry
Download or read book Entrepreneurship and Household Saving written by William M. Gentry and published by . This book was released on 2010 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this paper, we argue that costly external financing for entrepreneurial investments (coupled with potentially high returns on those investments) has important implications for the saving, investment, and entry decisions of continuing and potential entrepreneurs. These effects are similar in spirit to the role played by costly external financing on investment by corporations. Using data from the 1983 and 1989 Federal Reserve Board Surveys of Consumer Finances, we quantify three findings about entrepreneurial saving decisions and their role in household wealth accumulation. First, entrepreneurial households own a substantial share of household wealth and income, and this share increases throughout the wealth distribution and the income distribution. Second, the portfolios of entrepreneurial households, even wealthy ones, are very undiversified, with the bulk of assets held within active businesses. Third, wealth-income ratios and saving rates are higher for entrepreneurial households even after controlling for age and other demographic variables. Taken together, these findings suggest that studies of household saving decisions in general and of the savings decisions of wealthy or high-income households in particular have paid insufficient attention to the role of entrepreneurial decisions and their role in wealth accumulation. Our conclusion that entrepreneurial saving and investment decisions are interdependent raises three areas for future research: (1) measuring the role of entrepreneurs in aggregate wealth accumulation; (2) studying implications for portfolio allocation and asset pricing; and (3) analyzing consequences for tax policy toward entrepreneurial saving and investment.
Book Synopsis Baby Boomer Retirement Security by : Annamaria Lusardi
Download or read book Baby Boomer Retirement Security written by Annamaria Lusardi and published by . This book was released on 2006 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: We compare wealth holdings across two cohorts of the Health and Retirement Study: the early Baby Boomers in 2004, and individuals in the same age group in 1992. Levels and patterns of total net worth have changed relatively little over time, though Boomers rely more on housing equity than their predecessors. Most important, planners in both cohorts arrive close to retirement with much higher wealth levels and display higher financial literacy than non-planners. Instrumental variables estimates show that planning behavior can explain the differences in savings and why some people arrive close to retirement with very little or no wealth.
Book Synopsis Planning Sustainable Cities and Regions by : Karen Chapple
Download or read book Planning Sustainable Cities and Regions written by Karen Chapple and published by Routledge. This book was released on 2014-09-15 with total page 322 pages. Available in PDF, EPUB and Kindle. Book excerpt: As global warming advances, regions around the world are engaging in revolutionary sustainability planning - but with social equity as an afterthought. California is at the cutting edge of this movement, not only because its regulations actively reduce greenhouse gas emissions, but also because its pioneering environmental regulation, market innovation, and Left Coast politics show how to blend the "three Es" of sustainability--environment, economy, and equity. Planning Sustainable Cities and Regions is the first book to explain what this grand experiment tells us about the most just path moving forward for cities and regions across the globe. The book offers chapters about neighbourhoods, the economy, and poverty, using stories from practice to help solve puzzles posed by academic research. Based on the most recent demographic and economic trends, it overturns conventional ideas about how to build more livable places and vibrant economies that offer opportunity to all. This thought-provoking book provides a framework to deal with the new inequities created by the movement for more livable - and expensive - cities, so that our best plans for sustainability are promoting more equitable development as well. This book will appeal to students of urban studies, urban planning and sustainability as well as policymakers, planning practitioners, and sustainability advocates around the world.
Book Synopsis Wealth Accumulation Differences Between Wage-earning and Entrepreneurial Families by : Emilian Siman
Download or read book Wealth Accumulation Differences Between Wage-earning and Entrepreneurial Families written by Emilian Siman and published by . This book was released on 2008 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This study examines the causal relationship between entrepreneurship and wealth accumulation. Saving behavior is a potential source of family wealth differentials. It is proposed that entrepreneurial families exhibit more accelerated active saving behavior before entry into, or during, the entrepreneurship and consequently accumulate higher levels of wealth. The proposed reasons for this behavior are the cost of external funding relative to internal financing of entrepreneurial projects, the high idiosyncratic income risk associated with entrepreneurial activity, and engagement in mental accounting. To test these hypotheses, a two period Fisherian model is developed to predict the saving behavior of entrepreneurial families. The model indicates that there is a temporal effect of saving behavior among entrepreneurial families as compared with wage earning families. In addition, the proposed hypotheses are tested using PSID family data across a twenty-year horizon, 1984-2003. A "rotating" sampling technique was used to select married-couples that retained the same head and wife for the study period, with the head aged between 21 and 65 years old. Active savings was the dependent variable used to capture the behavioral differences between entrepreneurial and wage earning families. The five-year evolution of family occupation was used to develop a special coding scheme that captured the temporal effect of the family's occupational choice. Empirical support was found for the proposed hypotheses - due to financial constraints, entrepreneurial families engage in more intense saving behavior than wage earning families before entry into, and during entrepreneurship. All else being equal, they will end up accumulating more wealth. Public policy implications of these findings and future directions for research are explored.
Book Synopsis How to Raise a Family on Less Than Two Incomes by : Denise Topolnicki
Download or read book How to Raise a Family on Less Than Two Incomes written by Denise Topolnicki and published by Currency. This book was released on 2001-07-17 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many parents today believe that two steady incomes are not only desirable but absolutely necessary in order to raise a family. Yet most full-time working mothers say that if it weren't for the money, they would not work, and instead would stay at home with their children. After the birth of her second child, Denise Topolnicki faced this common dilemma: Continue working full-time, or spend more time with her family? As a former editor of Money, Denise used her financial expertise and discovered that she could work only part-time and be at home for her children--while not breaking her family's budget. By combining her investment know-how with compassionate advice, Denise gives parents a clear-cut strategy for controlling their money--from saving on food, to creating a cash reserve, to learning how to retire on less than two incomes. Packed with worksheets, detailed plans, and inspiring case studies, Topolnicki's plan helps families set fun priorities while still balancing the checkbook. Whether you want to leave work altogether or continue part-time, this book is the key to freedom for millions of families trapped on the working-parent treadmill.
Book Synopsis Motives for Entrepreneurial Saving by : Fatemeh Hosseini
Download or read book Motives for Entrepreneurial Saving written by Fatemeh Hosseini and published by . This book was released on 2016 with total page 43 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper investigates the motives for the high saving rates of entrepreneurial households. We use a unique dataset that links Swedish households' wealth and income to the financial statements of their firms. We exploit the decision to enter, stay in entrepreneurship or leave it. In comparison to the rest of the population, entrepreneurs save one percent more of their income a year before starting a business and 1.9 percent more on their personal accounts while in business. We find that the elevated saving rates among business owners are consistent with the precautionary saving motive among owners of unlimited liability firms and with investment related reasons among owners of limited liability firms. They save on their personal and business accounts. We provide suggestive evidence that entrepreneurs respond to income risk or lack of investment capital by increasing their saving rate.
Book Synopsis Unexpected Wealth by : Bonnie Brown Hartley
Download or read book Unexpected Wealth written by Bonnie Brown Hartley and published by Cambio Press. This book was released on 2006-02 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Perpetuating the Family Business by : Craig E Aronoff
Download or read book Perpetuating the Family Business written by Craig E Aronoff and published by Palgrave Macmillan. This book was released on 2004-05-07 with total page 335 pages. Available in PDF, EPUB and Kindle. Book excerpt: John L. Ward, a leading world expert on family business, offers the best practices of the most successful and long-lasting families in business, including Ford Motors, Marriott Hotels, Levi-Strauss, and the New York Times. He provides a framework of five insights and four principles in which to position his fifty "lessons learned" for family business longevity. This is a comprehensive book on sustaining family businesses that contains international examples, cases, essential tools, and checklists of best practices; a how-to every entrepreneur should have.
Book Synopsis Secrets Sources of Money and Entrepreneurship by : MR M Aa Abou El Fish
Download or read book Secrets Sources of Money and Entrepreneurship written by MR M Aa Abou El Fish and published by Createspace Independent Pub. This book was released on 2014-01-22 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many of whom read this book wished they read it long time ago It's advised to read this book before taking the course of life Don't choose your specialty in life without looking to our advices This is not a magical book it's also not only to raise the morale by giving you good energy, without real solutions. This book is made on a scientific basis and a lot of experiences. Due to that, this book comes to deal directly with the source of money, we won't tell you stories, and you will find my book direct to the point with exact numbers and advices. The goal of any career is to make money, but I found nobody talk about that, companies try to promote their product service or study. So instead of talking about management, leadership, business, self-employed, be your own boss... etc., which never show us how to be financially secured, we will talk in the beginning of the book about a clear image of the sources of money, and how money works. In the last three parties of the book we will discuss how to position you there using different techniques. We will give examples of the best companies around the world their vision and how they work. In life, there are lots of real problems, but many people discover them after a couple of years, some of them don't want to discuss it because they believe it represents their failure in life. We will talk about those problems and try to avoid them, especially for the coming generation. There are many people who became wealthy by accident they don't know how it happened. Furthermore, there are many people in financial difficulty or a medium budgetary situation, the destiny took them there, and there are few who know what they are doing based on exact knowledge, which we will focus on them in the book to help you to be one of them. Someone told me I was good in my business because I'm smart, which is not always true I believe it's more about management and how we position ourselves and our businesses in the right market place. Many people discover the reason of their failure at a later age, for example; they found that they didn't do much in their financial life, comparing themselves with the people around them whom have succeeded without a clue on how he/ she didn't do as much as the others. In life, you find that many people who didn't go to school or university succeed more than others who spent all their lives in school or university- many people wonder how that happens? By the end of this book you will know the answer. Also please note we are not telling you don't study, but we want you to study with plans. Some people who have seen others who have succeeded in life will tell you that they have succeeded illegally, or it's a legacy from their parents. They say that because they are unable to succeed. I know a lot of people who started their business from scratch and lot of people who wasted their parent's wealth in record time. This book is the answer to those questions and is also a guide for you to start or modify your life in the right direction; you don't need to live arbitrarily anymore; you should have specific targets that will lead you to happiness and success. This book is an excellent way for anyone who wants to review or modify his or her life to be better, same for high school graduates before they begin university. This book does not guarantee anything, but we believe it's very important guide for your financial life success. This book won't give general advises it gives an accurate and professional way to do things using plans and numbers. Unlike other people who say if you write, "I am wealthy" 100 times it will become truth. This book will reveal hidden information from business owners.
Book Synopsis Precautionary and Entrepreneurial Savings by : Frank M. Fossen
Download or read book Precautionary and Entrepreneurial Savings written by Frank M. Fossen and published by . This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Various studies interpret the positive correlation between income risk and wealth as evidence of significant precautionary savings. However, these high estimates emerge from pooling non-entrepreneurs and entrepreneurs, without controlling for heterogeneity. This article provides evidence for Germany based on representative panel data that includes private wealth balance sheets. Entrepreneurs, who face high income risk, hold more wealth than employees, but this tendency is not because of precautionary motives. Instead, they appear to save more for their old age, because they are usually not covered by statutory pension insurance. The analysis accounts for endogeneity in entrepreneurial choice and heterogeneous risk attitudes.
Book Synopsis The No-Regrets Guide to Retirement by : Patricia Howard
Download or read book The No-Regrets Guide to Retirement written by Patricia Howard and published by John Wiley & Sons. This book was released on 2021-02-08 with total page 199 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn to take control of your finances and your retirement with this one-stop Australian financial planning bible Have you ever wondered if you have enough money to make it through retirement? The No-Regrets Retirement Guide: How to Live Well, Invest Wisely and Make Your Money Last provides readers with a definitive answer to that question, as well as many others you may have always wanted to ask. Qualified financial planner and author Patricia Howard offers no-nonsense guidance on what it takes to get you to, and through, retirement. You’ll learn how to: Develop a positive and productive mindset as you enter retirement Take control of your finances, regardless of how much money you make or have Learn how to live on invested income rather than earned income Understand and learn to avoid the biggest pitfalls people commonly encounter as they approach retirement Perfect for people entering or already in retirement, The No-Regrets Retirement Guide also belongs on the bookshelves of anyone interested in ensuring they are in a financial position to enjoy their golden years.
Book Synopsis Changing Lives, Changing Business by : Michael Moynagh
Download or read book Changing Lives, Changing Business written by Michael Moynagh and published by A&C Black. This book was released on 2009-02-18 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: A comprehensive look at emerging demographic trends and how the business world can plan now to deal with the workforce of the future.
