Essays On Saving Bequests Altruism And Life Cycle Planning

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Essays on Saving, Bequests, Altruism, and Life-cycle Planning

Author : Laurence J. Kotlikoff
Publisher : MIT Press
ISBN 13 : 9780262263344
Total Pages : 596 pages
Book Rating : 4.2/5 (633 download)

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Book Synopsis Essays on Saving, Bequests, Altruism, and Life-cycle Planning by : Laurence J. Kotlikoff

Download or read book Essays on Saving, Bequests, Altruism, and Life-cycle Planning written by Laurence J. Kotlikoff and published by MIT Press. This book was released on 2001-06-22 with total page 596 pages. Available in PDF, EPUB and Kindle. Book excerpt: This collection of essays, coauthored with other distinguished economists, offers new perspectives on saving, intergenerational economic ties, retirement planning, and the distribution of wealth. The book links life-cycle microeconomic behavior to important macroeconomic outcomes, including the roughly 50 percent postwar decline in America's rate of saving and its increasing wealth inequality. The book traces these outcomes to the government's five-decade-long policy of transferring, in the form of annuities, ever larger sums from young savers to old spenders. The book presents new theoretical and empirical analyses of altruism that rule out the possibility that private intergenerational transfers have offset those by the government.While rational life-cycle behavior can explain broad economic outcomes, the book also shows that a significant minority of households fail to make coherent life-cycle saving and insurance decisions. These mistakes are compounded by reliance on conventional financial planning tools, which the book compares with Economic Security Planner (ESPlanner), a new life-cycle financial planning software program. The application of ESPlanner to U.S. data indicates that most Americans approaching retirement age are saving at much lower rates than they should be, given potential major cuts in Social Security benefits.

Tax Policy and the Economy

Author : Jeffrey R. Brown
Publisher : University of Chicago Press
ISBN 13 : 022633838X
Total Pages : 256 pages
Book Rating : 4.2/5 (263 download)

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Book Synopsis Tax Policy and the Economy by : Jeffrey R. Brown

Download or read book Tax Policy and the Economy written by Jeffrey R. Brown and published by University of Chicago Press. This book was released on 2016-01-20 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: The papers in Volume 29 of Tax Policy and the Economy illustrate the depth and breadth of the taxation-related research by NBER research associates, both in terms of methodological approach and in terms of topics. In the first paper, former NBER President Martin Feldstein estimates how much revenue the federal government could raise by limiting tax expenditures in various ways, such as capping deductions and exclusions. The second paper, by George Bulman and Caroline Hoxby, makes use of a substantial expansion in the availability of education tax credits in 2009 to study whether tax credits have a significant causal effect on college attendance and related outcomes. In the third paper, Casey Mulligan discusses how the Affordable Care Act (ACA) introduces or expands taxes on income and on full-time employment. In the fourth paper, Bradley Heim, Ithai Lurie, and Kosali Simon focus on the “young adult” provision of the ACA that allows young adults to be covered by their parents’ insurance policies. They find no meaningful effects of this provision on labor market outcomes. The fifth paper, by Louis Kaplow, identifies some of the key conceptual challenges to analyzing social insurance policies, such as Social Security, in a context where shortsighted individuals fail to save adequately for their retirement.

Handbook of the Economics of Giving, Altruism and Reciprocity

Author : Serge-Christophe Kolm
Publisher : Elsevier
ISBN 13 : 0080478263
Total Pages : 752 pages
Book Rating : 4.0/5 (84 download)

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Book Synopsis Handbook of the Economics of Giving, Altruism and Reciprocity by : Serge-Christophe Kolm

Download or read book Handbook of the Economics of Giving, Altruism and Reciprocity written by Serge-Christophe Kolm and published by Elsevier. This book was released on 2006-07-19 with total page 752 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Handbook on the Economics of Giving, Reciprocity and Altruism provides a comprehensive set of reviews of literature on the economics of nonmarket voluntary transfers. The foundations of the field are reviewed first, with a sequence of chapters that present the hard core of the theoretical and empirical analyses of giving, reciprocity and altruism in economics, examining their relations with the viewpoints of moral philosophy, psychology, sociobiology, sociology and economic anthropology. Secondly, a comprehensive set of applications are considered of all the aspects of society where nonmarket voluntary transfers are significant: family and intergenerational transfers; charity and charitable institutions; the nonprofit economy; interpersonal relations in the workplace; the Welfare State; and international aid. *Every volume contains contributions from leading researchers *Each Handbook presents an accurate, self-contained survey of a particular topic *The series provides comprehensive and accessible surveys

Finance and Occupational Pensions

Author : Charles Sutcliffe
Publisher : Springer
ISBN 13 : 1349948632
Total Pages : 325 pages
Book Rating : 4.3/5 (499 download)

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Book Synopsis Finance and Occupational Pensions by : Charles Sutcliffe

Download or read book Finance and Occupational Pensions written by Charles Sutcliffe and published by Springer. This book was released on 2016-11-25 with total page 325 pages. Available in PDF, EPUB and Kindle. Book excerpt: Occupational pensions are major participants in global financial markets with assets of well over $30 trillion, representing more than 40% of the assets of institutional investors. Some occupational pension funds control assets of over $400 billion, and the largest 300 occupational pension funds each have average assets of over $50 billion. The assets of UK pension funds are equivalent to UK GDP, and US pension fund assets are 83% of US GDP. These statistics highlight the importance of pension funds as major players in financial markets, and the need to understand the behaviour of these large institutional investors. Occupational pensions also play an important, but neglected, role in corporate finance. For example, US company pension schemes account for over 60% of company market value, and yet they are often ignored when analysing companies. This book is based on the substantial body of evidence available from around the world on a topic that has become increasingly important and controversial in recent years. Written for practitioners, students and academics, this book brings together and systematizes a very large international literature from financial economists, actuaries, practitioners, professional organizations, official documents and reports. The underlying focus is the application of the principles of financial economics to occupational pensions, including the work of Nobel laureates such as Merton, Markowitz, Modigliani, Miller and Sharpe, as well as Black. This book will give readers an up-to-date understanding of occupational pensions, the economic issues they face, and some suggestions of how these issues can be tackled. The first section explains the operation of defined benefit and defined contribution pensions, along with some descriptive statistics. The second section covers selected aspects of occupational pensions. The focus of these first two sections is on the economic and financial aspects of pensions, accompanied by some basic information on how they operate. This is followed by three further sections that analyse the investment of pension funds, the corporate finance implications of firms providing pensions for their employees, and annuities.

Private Pensions and Public Policies

Author : William G. Gale
Publisher : Rowman & Littlefield
ISBN 13 : 9780815796428
Total Pages : 428 pages
Book Rating : 4.7/5 (964 download)

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Book Synopsis Private Pensions and Public Policies by : William G. Gale

Download or read book Private Pensions and Public Policies written by William G. Gale and published by Rowman & Littlefield. This book was released on 2004-04-21 with total page 428 pages. Available in PDF, EPUB and Kindle. Book excerpt: The private pension system, together with Social Security, has provided millions of Americans with income security in retirement. But over the past thirty years, pension coverage has stagnated, leaving behind some vulnerable groups. Defined contribution plans have exposed workers to greater investment risk, while cash balance and other hybrid plans may have adverse effects on older workers caught in the transition. Pension regulations, infamous for their complexity, can be bewildering to policy analysts and policymakers. Private Pensions and Public Policies sheds timely and much-needed light on specific issues within the broader context and framework of pension reform. Contributors focus on topics that must be addressed in any reform effort, including the effects of the shift in emphasis toward defined contribution plans (after the 1974 Employee Retirement Income and Security Act) and hybrid plans (from the 1990s); regulatory issues such as nondiscrimination rules and contribution limits; how to increase the information available to participants and improve financial education; how participants in defined contribution plans make choices on questions such as asset allocation, back-loaded versus front-loaded saving, and annuities versus lump sum distributions; and the interaction of the private pension system with Social Security. Contributors include Robert L. Clark (North Carolina State University), Sylvester J. Schieber (Watson Wyatt Worldwide), Richard A. Ippolito (George Mason University School of Law), Alan L. Gustman (Dartmouth College), Thomas L. Steinmeier (Texas Tech University), John Karl Scholz (University of Wisconsin), Dean M. Maki, (JPMorgan Chase), William Even (Miami University of Ohio), Jagadeesh Gokhale (American Enterprise Institute), Laurence J. Kotlikoff (Boston University), Mark J. Warshawsky (TIAA-CREF Institute), Annika Sunden (Boston College), Andrew A. Samwick (Dartmouth College), David A. Wise (Harvard University), Joel Dickson (T

Handbook of Research on Reinventing Economies and Organizations Following a Global Health Crisis

Author : Costa, Teresa Gomes da
Publisher : IGI Global
ISBN 13 : 179986927X
Total Pages : 554 pages
Book Rating : 4.7/5 (998 download)

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Book Synopsis Handbook of Research on Reinventing Economies and Organizations Following a Global Health Crisis by : Costa, Teresa Gomes da

Download or read book Handbook of Research on Reinventing Economies and Organizations Following a Global Health Crisis written by Costa, Teresa Gomes da and published by IGI Global. This book was released on 2021-06-11 with total page 554 pages. Available in PDF, EPUB and Kindle. Book excerpt: Due to the global health crisis, economies had to adapt to combat pandemic situations. In the present pandemic crisis, new legislation, methods, labor approaches, values, and social behaviors have emerged with a huge impact in all organizations. However, countries have applied different solutions, procedures, and rules to deal with crises. Therefore, the impact has been different per country. Organizations need to understand their customers and businesses not only to increase operational efficiency but also to increase stakeholder’s satisfaction and their competitiveness in a sustainable way. Customers are becoming more exigent and markets more complex, calling for the need for higher differentiation. This was enhanced in this pandemic situation, and to survive, organizations needed to change and adapt to the new normal. The Handbook of Research on Reinventing Economies and Organizations Following a Global Health Crisis deals with management and economic issues, particularly with the reinvention of businesses and economies due to the pandemic situation and the relevance of entrepreneurship, innovation, and intensive knowledge used to deal with these changes. This book emphasizes the challenges, difficulties, and opportunities for the success of businesses and economies in periods of crisis and provides information for dealing with entrepreneurship and innovation, networks, and complementarities to recover businesses. The chapters also point out possible opportunities, challenges, and risks in the process of recovery highlighting innovation, internationalization, technology, and intensive knowledge in promoting economies and companies’ competitiveness. This book is ideal for entrepreneurs, managers, economists, directors, shareholders, researchers, academicians, and students interested in how businesses reinvent and recover following a global health crisis.

Striving to Save

Author : Margaret Sherrard Sherraden
Publisher : University of Michigan Press
ISBN 13 : 0472117122
Total Pages : 336 pages
Book Rating : 4.4/5 (721 download)

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Book Synopsis Striving to Save by : Margaret Sherrard Sherraden

Download or read book Striving to Save written by Margaret Sherrard Sherraden and published by University of Michigan Press. This book was released on 2010-02-08 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: The struggles of low-income families trying to build savings accounts

Leviathan on the Right

Author : Michael D. Tanner
Publisher : Cato Institute
ISBN 13 : 1933995289
Total Pages : 339 pages
Book Rating : 4.9/5 (339 download)

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Book Synopsis Leviathan on the Right by : Michael D. Tanner

Download or read book Leviathan on the Right written by Michael D. Tanner and published by Cato Institute. This book was released on 2007-02-16 with total page 339 pages. Available in PDF, EPUB and Kindle. Book excerpt: For conservatives generally and the Republican Party in particular, 2006 was a time of intense soul-searching. For the first time in a dozen years, Republicans lost control of Congress. As a result, they are being forced to reexamine who they are and what they stand for. It’s about time. After all, more than a decade has passed since President Bill Clinton announced in his State of the Union address that “the era of big government is over.” Yet, since then, government has grown far bigger and far more intrusive. It spends more, regulates us more, and reaches far more into our daily lives than it did before the Republican Revolution. Behind this alarming trend stands the rise of a new brand of conservatism—one that believes big government can be used for conservative ends. It is a conservatism that ridicules F. A. Hayek and Barry Goldwater while embracing Teddy and even Franklin Roosevelt. It has more in common with Ted Kennedy than with Ronald Reagan. Leviathan on the Right provides an incisive analysis of the roots and core beliefs of big-government conservatism and the major currents that fueled its growth—neoconservatism, the Religious Right, supply-side economics, national greatness conservatism, and Newt Gingrich–style technophilia—and offers a detailed critique of its policies on a wide range of issues. The book contains a clear warning that, unless conservatives return to their small-government roots, the electoral defeat of 2006 is just the beginning.

Student Financial Literacy

Author : Dorothy B. Durband
Publisher : Springer Science & Business Media
ISBN 13 : 1461435056
Total Pages : 203 pages
Book Rating : 4.4/5 (614 download)

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Book Synopsis Student Financial Literacy by : Dorothy B. Durband

Download or read book Student Financial Literacy written by Dorothy B. Durband and published by Springer Science & Business Media. This book was released on 2012-03-31 with total page 203 pages. Available in PDF, EPUB and Kindle. Book excerpt: College students are particularly vulnerable to making poor financial decisions. One method of addressing personal finances and financial stress among students of higher education is through university based financial education programs. Student Financial Literacy: Program Development presents effective strategies to assist in the implementation or the enhancement of a program as a tool to improve students’ educational experience and financial well-being. It presents the key components of financial education programs designed to address the growing concerns associated with high levels of debt and low levels of financial literacy among college students. “Student Financial Literacy: Campus-Based Program Development is packed with financial education and counseling information and guidance. It was very difficult to write this review as I wanted to share ALL the excellent direction this book provides... The editors and contributing authors have developed an excellent resource for not only those interested in developing or enhancing a campus-based financial education program but also for anyone involved in financial education, counseling, and planning.” -Rebecca J. Travnichek, Family Financial Education Specialist, University of Missouri Extension Journal of Financial Counseling and Planning

Asset Building and Low-income Families

Author : Signe-Mary McKernan
Publisher : The Urban Insitute
ISBN 13 : 9780877667544
Total Pages : 304 pages
Book Rating : 4.6/5 (675 download)

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Book Synopsis Asset Building and Low-income Families by : Signe-Mary McKernan

Download or read book Asset Building and Low-income Families written by Signe-Mary McKernan and published by The Urban Insitute. This book was released on 2008 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: Low-income families have scant savings to cushion a job loss or illness, and can find economic mobility impossible without funds to invest in education, homes, or businesses. And though a lack of resources leaves such families vulnerable, income-support programs are often closed to those with a bit of savings or even a car. Considering welfare-to-work reforms, the increasingly advanced skill demands of the American workforce, and our stretched Social Security system, such an approach is inadequate to lift families out of poverty. Asset-based policies--allowing or even helping low-income families build wealth--are an increasingly popular strategy to facilitate financial stability.

The Routledge Handbook of Financial Literacy

Author : Gianni Nicolini
Publisher : Routledge
ISBN 13 : 1000487849
Total Pages : 560 pages
Book Rating : 4.0/5 (4 download)

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Book Synopsis The Routledge Handbook of Financial Literacy by : Gianni Nicolini

Download or read book The Routledge Handbook of Financial Literacy written by Gianni Nicolini and published by Routledge. This book was released on 2021-12-30 with total page 560 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial literacy and financial education are not new topics, even though interest in these topics among policymakers, financial authorities, and academics continues to grow. The Routledge Handbook of Financial Literacy provides a comprehensive reference work that addresses both research perspectives and practical applications to financial education. This is the first volume to summarize the milestones of research in financial literacy from multiple perspectives to offer an overview. The book is organized into six parts. The first three parts provide a conceptual framework, which discusses what financial literacy is, how it should be measured, and explains why it represents a relevant topic and effective tool in enhancing decision-making among consumers as well as consumer protection strategies. Part IV addresses the connection between financial education and financial literacy, with chapters about financial education in school settings as well as for adults. This part includes an analysis of the role of Fintech and the use of gamification in financial education. Part V is a collection of contributions that analyze financial literacy and financial education around the world, with a focus on geographical areas including the U.S., South America, Western Europe, Eastern Europe, Asia, and Africa. This part also considers how financial literacy should be addressed in the case of Islamic finance. The concluding part of the book examines how financial literacy is related to other possible approaches to consumer finance and consumer protection, addressing the relationships between financial literacy and behavioral economics, financial well-being, and financial inclusion. This volume is an indispensable reference for scholars who are new to the topic, including undergraduate and graduate students, and for experienced researchers who wish to enrich their knowledge, policymakers seeking a broader understanding and an international perspective, and practitioners who seek knowledge of best practices as well as innovative approaches.

PISA 2012 Results: Students and Money (Volume VI) Financial Literacy Skills for the 21st Century

Author : OECD
Publisher : OECD Publishing
ISBN 13 : 9264208097
Total Pages : 204 pages
Book Rating : 4.2/5 (642 download)

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Book Synopsis PISA 2012 Results: Students and Money (Volume VI) Financial Literacy Skills for the 21st Century by : OECD

Download or read book PISA 2012 Results: Students and Money (Volume VI) Financial Literacy Skills for the 21st Century written by OECD and published by OECD Publishing. This book was released on 2014-07-09 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: This sixth volume of PISA 2012 results examines 15-year-old students’ performance in financial literacy in the 18 countries and economies that participated in this optional assessment.

Generational Policy

Author : Laurence J. Kotlikoff
Publisher : MIT Press
ISBN 13 : 9780262263375
Total Pages : 148 pages
Book Rating : 4.2/5 (633 download)

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Book Synopsis Generational Policy by : Laurence J. Kotlikoff

Download or read book Generational Policy written by Laurence J. Kotlikoff and published by MIT Press. This book was released on 2003-11-07 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: How generational policy affects the sustainability of a government's fiscal policy. In these eight 2002 Cairoli Lectures, presented at the Universidad Torcuato di Tella in Buenos Aires, Argentina, Laurence Kotlikoff shows how generational policy works, how it is measured, and how much it matters. Kotlikoff discusses the incidence and measurement of generational policy, the relationship of generational policy to monetary policy, and the vacuity of deficits, taxes, and transfer payments as economic measures of fiscal policy. Kotlikoff also illustrates generational policy's general equilibrium effects with a dynamic life-cycle simulation model and reviews the empirical evidence testing intergenerational altruism and risk sharing. The lectures were delivered as Argentina faced a devastating depression triggered, in large part, by unsustainable generational policy. Throughout the book, Kotlikoff connects his messages about generational policy to the Argentine situation and the Argentine government's policy mistakes.

Nominations of Anthony Ryan, Phillip Swagel, Dean Pinkert, Irving Williamson, Dana Bilyeu, and Mark Warshawsky

Author : United States. Congress. Senate. Committee on Finance
Publisher :
ISBN 13 :
Total Pages : 120 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis Nominations of Anthony Ryan, Phillip Swagel, Dean Pinkert, Irving Williamson, Dana Bilyeu, and Mark Warshawsky by : United States. Congress. Senate. Committee on Finance

Download or read book Nominations of Anthony Ryan, Phillip Swagel, Dean Pinkert, Irving Williamson, Dana Bilyeu, and Mark Warshawsky written by United States. Congress. Senate. Committee on Finance and published by . This book was released on 2006 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Money

Author : Eric Lonergan
Publisher : Routledge
ISBN 13 : 1351558013
Total Pages : 200 pages
Book Rating : 4.3/5 (515 download)

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Book Synopsis Money by : Eric Lonergan

Download or read book Money written by Eric Lonergan and published by Routledge. This book was released on 2017-07-05 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: Eric Lonergan explores our complex relationship with money. In a provocative and insightful analysis, he argues that few things seem to matter more to us, but few things are as poorly understood. Economists have long worked with the theory that our relationship to money is rational, but not all our reactions to it make sense. Lonergan shows that many of our views about money, credit and saving are little better than prejudices. The same social and emotional forces that affect quant traders in the worlds financial markets can be seen in the mania of Pok n card trading in the school playground.This fascinating book reveals the tension between money‘s capacity to assist us in our lives and its propensity to cause instability and to distort our values. We are limited in our ability to control money‘s power, says Lonergan, but only by understanding money better, and thinking about it less, may we get on with enjoying what we have.

Fundamental Tax Reform

Author : John W. Diamond
Publisher : MIT Press
ISBN 13 : 0262042479
Total Pages : 567 pages
Book Rating : 4.2/5 (62 download)

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Book Synopsis Fundamental Tax Reform by : John W. Diamond

Download or read book Fundamental Tax Reform written by John W. Diamond and published by MIT Press. This book was released on 2008 with total page 567 pages. Available in PDF, EPUB and Kindle. Book excerpt: Papers presented at a conference held at the James A. Baker III Institute for Public Policy at Rice University, in Apr. 2006.

Samuelsonian Economics and the Twenty-First Century

Author : Michael Szenberg
Publisher : OUP Oxford
ISBN 13 : 0191538353
Total Pages : 372 pages
Book Rating : 4.1/5 (915 download)

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Book Synopsis Samuelsonian Economics and the Twenty-First Century by : Michael Szenberg

Download or read book Samuelsonian Economics and the Twenty-First Century written by Michael Szenberg and published by OUP Oxford. This book was released on 2006-08-24 with total page 372 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume illuminates and critically assesses Paul A. Samuelson's voluminous and groundbreaking contributions to the field of economics. The volume includes contributions from eminent scholars, including 6 Nobel Laureates, covering the extraordinary depth and breadth of Samuelson's contributions. Samuelson, the first American economist to win the Nobel prize in 1970, was the foremost voice in economics in the latter half of the 20th century. He single-handedly transformed the discipline by creating a new way of presenting economics, making it possible for it to be cast all in mathematical terms. Samuelson developed broad frameworks, such as the neoclassical synthesis, a mixed economy, and the surrogate production function, which provided practitioners with a vision for research. Samuelson's contributions to economics are rich, complex, consequential, and relevant to the ordinary economics of life. The quality of Samuelson's output and methods leave no doubt that his contributions continue to be timely and relevant even in the 21st century. Ideal as a reference or an introduction to Samuelson's work, this is a must-have for students and academics alike.