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Friday November 20, 2009

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Saving

RESEARCH AND COMMENTARY

Save to My PortfolioThe Financial Crisis and Personal Saving

Karen Dynan, October 28, 2009, National Forum to Encourage Lower-Income Household Savings

The current financial crisis has had a great impact on how Americans are saving. In a presentation for the “National Forum to Encourage Lower-Income Household Savings,” Karen Dynan explained that while aggregate personal saving should be markedly higher than before the crisis, it is difficult to predict the level of saving for lower-income households. Read More

U.S. Economy, Saving, U.S. Poverty

PAST EVENT

Save to My PortfolioAustralia and International Pension Reform: Lessons for the United States

Thursday, July 16, 2009
10:00 AM to 12:00 PM
Washington, DC

Australia and International Pension Reform: Lessons for the United StatesOn July 16, the Retirement Security Project and the Urban-Brookings Tax Policy Center hosted Australian Assistant Treasurer Nick Sherry, to discuss the Superannuation Guarantee- Australia's mandatory retirement savings system- and its relevance to American policy-makers. Read More

Australia and New Zealand, Retirement, Saving, Pensions

RESEARCH AND COMMENTARY

Save to My PortfolioEconomic Fears Lead to a Surge in Household Saving

Gary Burtless, July 14, 2009, National Journal

Economic Fears Lead to a Surge in Household SavingFor many years, economists and other experts have bemoaned American consumers’ unwillingness to save. Now Americans are saving once again, and observers worry that too much saving translates directly into too little consumer demand. Gary Burtless examines whether consumer saving was too low in the past and whether this new saving pattern will continue.
Read More

Saving, Mortgage Market, U.S. Economic Growth, U.S. Economy

BOOK

Save to My PortfolioAutomatic: Changing the Way America Saves

William G. Gale, J. Mark Iwry, David John and Lina Walker, July 01, 2009

Automatic argues for a fresh approach to increase saving, simplify retirement planning, and help manage the risks associated with today's individual account environment. Read More

Retirement, Saving, Aging, Cost of Living

RESEARCH AND COMMENTARY

Save to My PortfolioStop Kicking the Fiscal Can Down the Road

Isabel V. Sawhill, June 11, 2009, McClatchy Tribune

Stop Kicking the Fiscal Can Down the Road While the government has been busy with bailouts, who is going to bail out the U.S. government when our creditors tire of lending to us? And now, thanks to the stimulus, virtually all those over age of 65 are receiving $250 checks, regardless of whether or not they need it. Isabel Sawhill says it’s time for Congress and the administration to get serious about getting our fiscal house in order. Read More

Saving, Fiscal Policy, U.S. Economic Stimulus, Federal Budget, U.S. Economy

RESEARCH AND COMMENTARY

Save to My PortfolioSaving and Wealth Accumulation in the PSID, 1984-2005

Barry P. Bosworth and Sarah Anders, February 28, 2009, Center for Retirement Research at Boston College

This paper by Barry Bosworth and Sarah Anders reports on a project to construct and evaluate a wealth and saving dataset for those households who responded to the supplementary wealth and active saving modules of the Panel Study of Income Dynamics (PSID) over the period of 1984 to 2005. Read More

Saving, Economic Mobility, U.S. Economy

RESEARCH AND COMMENTARY

Save to My PortfolioEvaluating Micro-Survey Estimates of Wealth and Saving

Barry P. Bosworth and Rosanna Smart, January 31, 2009, Center for Retirement Research at Boston College

Barry Bosworth and Rosanna Smart presents an overview of changes in household wealth accumulation and saving using wealth data from three micro-level surveys. They provide comparisons to the macroeconomic estimates of wealth accumulation and saving, explore problems in constructing household-level valuations of wealth, and assess the value of using household-level datasets to examine wealth accumulation and saving behavior in the United States. Read More

Saving, Economic Mobility, U.S. Economic Growth, U.S. Economy

RESEARCH AND COMMENTARY

Save to My PortfolioA Vision for the U.S. Pension System at 100

Henry J. Aaron, January 29, 2009, The Fiscal High Road

Despite criticism of the Social Security Act, and it's application to twenty fist century America, Henry Aaron believes that those views are wrong. In broad outline, he says, the system is sound, sensibly designed, and affordable though some changes are now desirable, and that others will, and should, be made as economic and political conditions warrant. But he urges, they should affirm and strengthen the system, not scale it back or repeal it. Read More

Pensions, Saving, Retirement, Social Security

RESEARCH AND COMMENTARY

Save to My PortfolioWhy Are Saving Rates of Urban Households in China Rising?

Eswar Prasad and Marcos Chamon, December 30, 2008, The Brookings Institution

Why Are Saving Rates of Urban Households in China Rising?In China, the household savings rate rose by 7 percent from 1995 to 2005, reflecting savings of about one quarter of disposable income. Why are Chinese households saving so much across all demographic groups? In a new paper, Eswar Prasad and Marcos Chamon analyze the savings patterns of households in China and discuss the economic drivers. Read More

China's Economy, China, Financial Markets, Economic Development, Global Economics

RESEARCH AND COMMENTARY

Save to My PortfolioFixing the Tax System

William G. Gale and Benjamin H. Harris, December 08, 2008, Tallahassee Democrat

Fixing the Tax SystemInnovative and sound tax policy may be one way out of our financial rut, argue Bill Gale and Ben Harris. An effective tax code can buoy an economic recovery; down the road, taxation can help achieve the Obama administration's goals in health care, in energy policy and, ultimately, for fiscal balance. Read More

Taxes, Tax Reform, Saving, Retirement, U.S. Economy

RESEARCH AND COMMENTARY

Save to My PortfolioA Shot in the Arm for Medicare Part D

Jeffrey R. Kling, Sendhil Mullainathan, Eldar Shafir, Lee Vermeulen and Marian V. Wrobel, November 20, 2008, Ideas42

A Shot in the Arm for Medicare Part DJeffrey Kling and Ideas42 researchers have found that seniors are more likely to switch Medicare healthcare plans and save substantial amounts by changing from their existing plan. Given the overall state of the economy and recent news that drug plans are increasing their premiums up to 64 percent, the study helped inform the 24 million seniors in the program to shop around for the best price as open enrollment for Medicare Part D drug plans began. Read More

Medicare, Health Care, Saving

RESEARCH AND COMMENTARY

Save to My PortfolioChoosy Seniors Can Save on Prescriptions

Jeffrey R. Kling, November 18, 2008, The News & Observer

The six-week annual open season for choosing health care options is under way. If you, or someone that you know, has prescription drug insurance from Medicare Part D, here's an idea that could save a bundle over the next year: consider switching plans, says Jeffrey Kling. Read More

Medicare, Health Care, Saving

RESEARCH AND COMMENTARY

Save to My PortfolioFraming, Reference Points, and Preferences for Life Annuities

Jeffrey R. Kling, Jeffrey R. Brown, Sendhil Mullainathan, Garth R. Wiens and Marian V. Wrobel, October 31, 2008, The Brookings Institution

In this paper, Jeffrey R. Brown, Jeffrey R. Kling, Sendhil Mullainathan, Garth R. Wiens and Marian V. Wrobel test the relative effectiveness of their two framing contexts for life annuities when different reference points are introduced, testing for loss aversion in both investment and consumption frames. Read More

Retirement, Financial Services, Saving

RESEARCH AND COMMENTARY

Save to My PortfolioProtecting and Strengthening Retirement Savings

J. Mark Iwry and David C. John, July 16, 2008, Senate Special Committee on Aging

Protecting and Strengthening Retirement SavingsFully half of America’s working families lack any employer-sponsored retirement savings plan. Testifying before a Senate panel, J. Mark Iwry and David C. John called for a common strategy to preserve and expand retirement savings in a manner that transcends partisan differences, an approach that includes preserving employer-sponsored retirement plans and broadening participation and coverage options. Read More

Retirement, Saving, Pensions, Cost of Living

RESEARCH AND COMMENTARY

Save to My PortfolioMaking Saving for Retirement Easier through Automatic IRAs

J. Mark Iwry, June 26, 2008, House Committee on Ways and Means, Subcommittee on Select Revenue Measures

J. Mark Iwry and David C. John propose an automatic IRA approach which offers most employees not covered by an employee-sponsored retirement plan the opportunity to save through the powerful mechanism of regular payroll deposits that continue automatically. Read More

Retirement, Saving, Pensions

Featured Experts

William G. Gale

William G. Gale

Senior Fellow, Economic Studies
Arjay and Frances Miller Chair in Federal Economic Policy

Bill Gale, the Arjay and Frances Miller Chair in Federal Economic Policy in the Economic Studies Program at Brookings, is an expert on tax policy, fiscal issues, pensions, and saving behavior. He is also co-director of the Tax Policy Center and director of the Retirement Security Project.
Read More

Henry J. Aaron

Henry J. Aaron

Senior Fellow, Economic Studies
The Bruce and Virginia MacLaury Chair

A noted health care expert, Henry Aaron focuses on the reform of health care financing; public systems such as Medicare and Medicaid; Social Security; and tax and budget policy.
Read More

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