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finance company (15 results), Government Finance Officers Association (8 results), Commercial Finance Association (8 results), finance director (1 results)
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- Social Security And Unsecured Debt
- Most young households simultaneously hold both unsecured debt on which they pay an average of 10 percent interest and social security wealth on which they earn less than 2 percent. We document this fact using data from the Panel Study of Income Dynamics. We then consider a life-cycle model with...
- White papers 2004-12-01
- Housing, Consumption, and Credit Constraints
- The paper tests the credit-market effects of housing wealth shocks by estimating the consumption elasticity of house price shocks among households in different age quintiles. Younger households face faster expected income growth and hence would like to borrow more than older households. It estimate consumption elasticity's from housing wealth by...
- White papers 2004-09-29
- The Decline in Household Saving and the Wealth Effect
- Using a unique set of household level panel data, the paper estimates the effect of capital gains on saving by asset type, controlling for observable and unobservable household specific fixed effects. The results suggest that the decline in the personal saving rate since 1984 is largely due to the significant...
- White papers 2004-04-01
- An Empirical Model of Household Arrears
- Household arrears on payment obligations are one of the most direct measures of household sector financial stress. In this paper a time series approach is used to model two of the key components of aggregate UK household arrears: those on mortgages and credit cards. Mortgages are the main component of...
- White papers 2004-03-05
- Changes in the Use of Electronic Means of Payment: 1995-2001
- This document updates table based on data from the 2001 Survey of Consumer Finances conducted on the use of electronic banking. This document updates the statistics indicating how the use of various means of electronic payment has changed between 1995, 1998, and 2001. It notes that the use of electronic...
- White papers 2003-09-26
- Chapter 8: Energy and the Vulnerable
- Most of the people take for granted being able to turn the lights on and keep their homes warm. But for some people, basic energy needs account for a disproportionate amount of their income. The aim of the paper is that as far as reasonably practicable no household should be...
- White papers 2003-02-26
- Home Ownership Made Easier: Closing Costs
- Buying a home involves time, energy, and, most of all, money. In addition to committing one’s own self to mortgage payments for 15 to 30 years, he needs quite a bit of money "up-front" to close the transaction. There are several types of closing or settlement costs and other...
- White papers 2003-01-01
- Household Risk Management and Optimal Mortgage Choice
- A typical household has a home mortgage as its most significant financial contract. The form of this contract is correspondingly important. This paper studies the choice between a fixed-rate FRM and an adjustable-rate ARM mortgage. In an environment with uncertain inflation, a nominal FRM has risky real capital value whereas...
- White papers 2003-01-01
- Chapter 1: The Causes and Effects of Fuel Poverty
- A fuel poor household is one that cannot afford to keep adequately warm at reasonable cost. The most widely accepted definition of a fuel poor household is one which needs to spend more than 10% of its income on all fuel use and to heat its home to an adequate...
- White papers 2001-11-19
- Best Practices in Internal Audit
- Once relegated to corporate-risk cop, the role of internal auditors is changing. Like their colleagues in the finance department, internal auditors are leveraging their knowledge of operational efficiencies to expand their internal consulting activities and, ultimately, add greater value. Internal auditors are working with business unit managers to identify areas...
- White papers 1999-11-01
- Who Uses Electronic Banking? Results from the 1995 Survey of Consumer Finances
- This paper suggests that relatively few households use relatively new electronic technologies, and that household use of electronic sources of information for financial decision making is barely off the ground. This paper also reports results of one of the first, and to our knowledge the most comprehensive, attempts to implement...
- White papers 1997-01-01
- RBA Rate Cut Would Help Many: Survey
- An interest rate cut by Australia's central bank this week will significantly reduce the number of Australians experiencing mortgage stress, an industry survey has found.The latest Fujitsu Consulting/Wizard Home Loans Mortgage Stress-O-Meter is now forecasting a 15 per cent decrease in the number of home-owners in mortgage stress by...
- News items 2008-08-31
- CNW Survey: Wealthy Households Worry About Gas Prices, Too
- It took a couple of years of high gas prices, but since gas topped $3 per gallon and mostly stayed there, even the wealthiest households have increasingly begun to take gas prices into account when choosing a vehicle, according to a survey by CNW Marketing Research, Bandon, Ore. ...
- Blog posts 2008-05-16
Additional Resources
- More than Three-Fourths of Online Americans Bank and Pay Bills Online
- Fiserv survey finds more households pay bills online than paper checks for second consecutive year BROOKFIELD, Wis. -- More Americans than ever, an estimated 63.1 million households or three-fourth of those online, are paying their bills online rather than writing paper checks, according to a survey sponsored by...
- Articles 2008-08-27
- 2007 KRTA Reflects Electric Co-ops' Consistent Financial Strength
- The National Rural Utilities CooperativeFinance Corporation NRUCFC today announced the results of its 2007 KeyRatio Trend Analysis KRTA, an annual assessment of financial trends amongelectric cooperatives nationwide. The latest report concludes that electriccooperatives remain financially solid despite rising costs, particularlypower costs. "Key financial ratios -- such as TIER, debt service...
- Articles 2008-08-18
- TCF Expands into Inventory Finance Business
- WAYZATA, Minn. -- TCF Financial Corporation TCF (NYSE: TCB) announced today the creation of a new subsidiary called TCF Inventory Finance, Inc. ("TCF Inventory Finance"). TCF Inventory Finance, headquartered in Hoffman Estates, Illinois, will specialize in the inventory floorplan finance business in the U.S. and Canada, with an initial focus...
- Articles 2008-08-05
- Finicity Pairs Mvelopes Money Management with Online Community and Money Trends Analysis
- New site highlights the "Top 10 States where Household Spending has Decreased most during the Economic Downturn" SALT LAKE CITY -- James Ooltewah nearly became a statistic to what experts say is the leading cause of divorce - fighting over finances. He and his wife amassed...
- Articles 2008-08-05
- UK
- Highlights and Key Issues * The risk that the UK could suffer a recession is rising significantly. The combination of the squeeze on the housing market from the credit crunch with the pressure on household real incomes from rising energy and food prices means that we now expect GDP...
- Articles 2008-07-23
- 'Why can't I get my lender's cheaper fix?'
- THE MORTGAGE CLINIC Loyalty is a wonderful thing in most of our life - but not from the point of view of financial services companies. Once you stop being a "valued new customer" and become a loyal regular instead, many...
- Articles 2008-07-09
- Discover® U.S. Spending Monitor Down Nearly a Point in June
- High Gas and Food Prices Continue To Hurt Discretionary Spending, Dampen Views About The Economy Survey: Nearly 62 Percent of Consumers Are Altering Vacation Plans in the Wake of High Gas Prices, 15 Percent Cutting Vacations First to Compensate RIVERWOODS, Ill. -- The...
- Articles 2008-07-09
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