Savers, including pension savers, convert savings into assets: homes,government bonds and shares.The conversion of … savings is for the very long term. Once monies are turned into assets, the reverse process of turning assets into cash cannot …

The personal saving rate spiked up to an unusually high level in 2008 and spring 2009, prompting many observers to … suggest that the financial crisis has created a new thrift ethic, reversing decades of decline in U.S. saving to near zero … attitudes toward regulation, independence and personal responsibility and that a permanent rise in saving behavior has taken …

agricultural insurance program on household level production, borrowing, and saving. The empirical strategy includes both … credit demand by 25%; third, it decreases household saving by more than 30%; fourth, the effect of insurance on borrowing …Taking advantage of a natural experiment and a rich household-level panel dataset, this paper tests the impact of an …

investment. The combination of savings and a loan generates incentives for future selves to invest optimally by punishing over … welfare than those who don’t. Second, I show that agents who have access to a non-secure savings technology can be better off … than those who only have access to secure savings. …

analysis. Why; because the level of individual households’ savings in the U.S currently stands at $62.7 trillion, GDP at $15 … counteract such savings losses requires adjustments in the U.S economic set up - the econsystem changes-. It also requires … turning some assets -pension savings assets- temporarily into cash in order to support the income base of society in times of …

In this paper we examine the mobility of Polish households with regard to saving rates during the years 2007-2010 and … compare it with the households’ saving mobility during the years 1997-2000. The analysis for 2007-2010 is based on the … household budget panel data from three panels of 15,000 of Polish households selected by authors for years 2007-2008, 2008 …

In this paper we analyze the relationship between the perception of income as satisfying household needs and saving … relations between the income perception and the household saving rates shows that the perception of income affects both the … household observed and predicted saving rates. The research is based on the Household Budget Surveys data for Poland in 2008. …