"We examine the effects of education on financial decision-making skills by identifying an interesting source of variation in pertinent training. During the 1990s, an increasing number of individuals were exposed to programs of financial education provided by their employers. If, as some have...

Many economists and social scientists have conjectured that individual gifts to charity may be interdependent. This paper explores empirically how an individual's charitable contributions may be affected by the giving of others in a 'reference group' of similar individuals. The authors find...