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We argue that the U.S. personal saving rate’s long stability (from the 1960s through the early 1980s), subsequent steady decline (1980s - 2007), and recent substantial increase (2008 - 2011) can all be interpreted using a parsimonious ‘buffer stock’ model of optimal consumption in the presence of labor income uncertainty and credit constraints. Saving in the model is affected by the gap between ‘target’ and actual wealth, with the target wealth determined by credit conditions and uncertainty. An estimated structural version of the model suggests that increased credit availability accounts for most of the saving rate’s long-term decline, while fluctuations in net wealth and uncertainty capture the bulk of the business-cycle variation.
In a world of financial uncertainty, "How to Save for a Rainy Day" offers a beacon of hope and practical advice for anyone looking to take control of their financial future. Whether you’re starting from scratch or looking to optimize your savings, this comprehensive guide provides all the tools you need to build a secure financial foundation. From understanding why saving is essential for peace of mind, achieving goals, and attaining financial freedom, to overcoming the temptations of unnecessary spending, this book covers it all. Dive into the easy-to-follow chapters that break down complex financial concepts into manageable pieces, including setting up your savings foundation, utilizing innovative saving tools like round-up apps, and planning for life’s big moments—be it buying a home, planning for retirement, or funding an education. Written with the expertise of a seasoned financial advisor but the voice of a friendly mentor, "How to Save for a Rainy Day" doesn’t just preach about the importance of savings; it shows you how to do it. Each chapter is filled with expert quotes, real-life case studies, and actionable strategies designed to help you set, meet, and exceed your financial goals. Discover the power of small changes and learn how to automate your success to make saving second nature. With special insights into family savings plans and how to cope when life throws financial curveballs, this book is an indispensable resource for anyone ready to improve their financial well-being. Perfect for readers of all ages and financial backgrounds, "How to Save for a Rainy Day" is your ultimate guide to building a rainy day fund that can weather any storm. Start turning your financial dreams into realities today!
This book should give everyone the opportunity to put some form of savings in place, whether utilizing the $10-per-day plan or an amount that will be comforting on the pocket. As mentioned throughout, if the savings-plan formula is used with any amount, then at the end, which could mean retirement or the end of a set goal, some accumulation of funds will be available. With the proper use of the work sheet, accurate records can be kept of the money going into the savings plan, and the total can be seen at all times. The words in the puzzle are enhancing words that will assist in the saving process and will serve as a reminder to positive outcomes. Saving should be practiced among the young and the old, more so the young because starting early will lead to more at the end of a set period. Don’t hesitate; start now before it’s too late. Always remember not to borrow or lend from this savings plan because once this practice is started, it can lead to disaster in the plan. Saving should be fun and not stressful; the more fun an individual has during the process, the better will be the reward. Everyone should be competitive with himself or herself. Set goals and aim at reaching them. Don’t wait; just do it.
"Striving to Save will inform and inspire social policy with its breakthrough approach in understanding how low-income families make ends meet while striving to make a better life for themselves and their families. Scholarly work in savings, debt, household finance, and behavior economics will benefit from this pioneering study that provides real-life context for some of the most important issues of our day." ---Tom Shapiro, Brandeis University "The central contribution of the book is to use original qualitative research to provide readers with a nuanced understanding of the financial difficulties facing low-income households, their financial decision-making processes, and their paths to saving and building assets over time. The book provides an essential corrective to the unidimensional view of poor households as unable and unwilling to save." ---Michael Barr, University of Michigan In Striving to Save, Margaret Sherrard Sherraden and Amanda Moore McBride examine savings in eighty-four working families with low incomes, including fifty-nine families who participated in a groundbreaking program of matched savings and financial education. In-depth interviews with these families, along with savings and survey data, shed light on saving in low-income households. The book concludes with recommended public policy approaches for increasing savings in households that are striving to save. Margaret Sherrard Sherraden is Professor of Social Work at the University of Missouri, St. Louis. Amanda Moore McBride is Assistant Professor of Social Work at Washington University, St. Louis.
After three years in Japan, Fred Buchanan is broke, unemployed and engaged in a telepathic turf war with a feral cat behind an Okinawa convenience store. Thus begins his metaphysical odyssey back to Tokyo. Along the way, symbols and sages materialize in the form of a two-fingered jazz musician, the faded tattoo on an ex-yakuza lover, an odd brood of internet cafe refugees, the kite flyer of Kabukicho and Yukie, an alluring hostess with strips of delicious thigh and strange power imbued in the etched eye on her fingernail. Charging through Shinjuku’s neon jungle, enveloped in a boozy, nicotine-stained haze, past and present collide as an empty orchestra croons a slow dance of people and place, memory and madness, loss and love. All the while, Fred struggles to be an agent of his destiny and not another ball bearing bouncing through the cosmic pachinko. Rainy Day Ramen and the Cosmic Pachinko is told as a uniquely clever mix of Murakami-esque magical realism and gonzo Japan travelogue.
Drawing from the expertise of business librarians and ALA's Public Programs Office (PPO), this book is a ready-to-use guide for offering financial literacy initiatives at your own library.
With many couples separating each year, the question of how to determine the financial and property consequences of such separation has always been a problem area within family law. Should the principles be the same for married and cohabiting couples? Should the division of assets reflect the parties' own expectations or norms imposed by society? These are just two of the questions which the essays in this collection seek to explore. Recent cases in the House of Lords have seen willingness on the part of the judges to seek out empirical studies to inform their deliberations, but if the law is to engage with empirical data then much more information is needed, both about the arrangements people make during their relationships, and about the impact of the law when a relationship breaks down. This inter-disciplinary work brings together leading academics in the fields of law, economics, sociology and psychology in an attempt to provide some of the missing empirical information. Part I sets out the legal framework and identifies the importance of empirical studies for this area. Part II examines how couples (whether cohabitants or spouses) manage their money during their relationships. Part III then considers the impact that the law currently has on separating couples - examining how legal principles translate into reality and what their consequences are for the parties. Finally, Part IV considers the issue of legal rationality: it may be rational for the law to be shaped by patterns of behaviour, but how far will individual couples allow their behaviour to be shaped by the law?
Drawing on the groundbreaking U.S. Financial Diaries project (http://www.usfinancialdiaries.org/), which follows the lives of 235 low- and middle-income families as they navigate through a year, the authors challenge popular assumptions about how Americans earn, spend, borrow, and save-- and they identify the true causes of distress and inequality for many working Americans.
One of the leading and most-read law journals adds multiple digital editions to its worldwide distribution. This current issue of the Stanford Law Review contains studies of law, economics, and social policy by scholars Ryan Scott (on sentencing disparity), Scott Hershovitz (what Harry Potter means to torts), Robert Cooter & Neil Siegel (collective federalism), and Brian Galle & Jonathan Klick (alternative minimum tax). Volume 63, Issue 1's contents include: "Inter-Judge Sentencing Disparity After Booker: A First Look," by Ryan W. Scott "Harry Potter and the Trouble with Tort Theory," by Scott Hershovitz "Collective Action Federalism: A General Theory of Article I, Section 8," by Robert D. Cooter & Neil S. Siegel "Recessions and the Social Safety Net: The Alternative Minimum Tax as a Countercyclical Fiscal Stabilizer," by Brian Galle & Jonathan Klick