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Why use debit instead of credit? : consumer choice in a trillion-dollar market
Zinman, Jonathan (contributor) - 2004 - [Elektronische Ressource]
Debit cards are overtaking credit cards as the most prevalent form of electronic payment at the point of sale, yet the determinants of a ubiquitous consumer choice - "debit or credit?" - have received relatively little scrutiny. Several stylized facts suggest that debit-card use is driven by...
Persistent link: https://www.econbiz.de/10002521756
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Insolvency after the 2005 bankruptcy reform
Albanesi, Stefania; Nosal, Jaromir B. - Federal Reserve Bank of New York - 2015
Using a comprehensive panel dataset on U.S. households, we study the effects of the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA), the most substantive reform of personal bankruptcy in the United States since the Bankruptcy Reform Act of 1978. The 2005 legislation...
Persistent link: https://www.econbiz.de/10011254936
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Measuring student debt and its performance
Lee, Donghoon; van der Klaauw, Wilbert H; Haughwout, … - Federal Reserve Bank of New York - 2014
Studies continue to indicate that higher education is frequently a worthwhile investment for individuals and that it raises the productivity of the workforce as a whole. While the rising cost of post-secondary education has not eliminated this "college premium," it has raised new questions about...
Persistent link: https://www.econbiz.de/10010762559
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Student debt and higher education financing: a public finance perspective
McAndrews, James Joseph - Federal Reserve Bank of New York - 2015
Remarks at the National Association of College and University Business Officers, at the Waldorf Astoria, New York City.
Persistent link: https://www.econbiz.de/10011160719
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Debt, jobs, or housing: what's keeping millennials at home?
Brown, Meta; Lee, Donghoon; van der Klaauw, Wilbert H; … - Federal Reserve Bank of New York - 2014
Young Americans’ residence choices have changed markedly over the past fifteen years, with recent cohorts entering the housing market at lower rates, and lingering much longer in parents’ households. This paper begins with descriptive evidence on the residence choices of 1 percent of young...
Persistent link: https://www.econbiz.de/10011082708
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Sustainable social security: four options
Kitao, Sagiri - Federal Reserve Bank of New York - 2011
the normal retirement age from sixty-six to seventy-three, or 4) means-test the benefits and reduce them one-to-one with …
Persistent link: https://www.econbiz.de/10009251201
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The recovery and monetary policy
Dudley, William C. - Federal Reserve Bank of New York - 2012
Remarks at the National Association for Business Economics Annual Meeting, New York City.
Persistent link: https://www.econbiz.de/10010724979
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Social Security, benefit claiming, and labor force participation: a quantitative general equilibrium approach
Imrohoroglu, Selahattin; Kitao, Sagiri - Federal Reserve Bank of New York - 2010
reforms: 1) a reduction in benefits and payroll taxes; 2) an increase in the earliest retirement age, to sixty-four from sixty …-two; and 3) an increase in the normal retirement age, to sixty-eight from sixty-six. We find that a 50 percent cut in the scope … normal retirement age also raises saving and the labor supply, but the effects are smaller. Postponing the earliest …
Persistent link: https://www.econbiz.de/10008465776
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How workers use 401(k) plans: the participation, contribution, and withdrawal decisions
Bassett, William F.; Fleming, Michael J.; Rodrigues, … - Federal Reserve Bank of New York - 1998
not grow with the rate of matching. When pension plan assets are withdrawn in lump-sum distributions before retirement … 401(k) plans to save for retirement. …
Persistent link: https://www.econbiz.de/10005420596
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Defined contribution plans: the role of income, age and match rates
Bassett, William - Federal Reserve Bank of New York - 1995
The growth of defined contribution plans has sparked debate concerning their effectiveness as a vehicle for retirement … whether DC plans have expanded overall pension coverage and whether their effects on retirement saving are the same across …
Persistent link: https://www.econbiz.de/10005512222