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- Can Americans Stop Spending?
- Get over that image of Americans as debt-ridden consumption addicts. The Great Recession will teach us to find better things to do with the time and money we have left — at least for now. Right now, as we lick our financial and career wounds and poke our 401k...
- Articles 2009-06-25
Additional Resources
- Note on the Personal Saving Rate
- THE NIPA PERSONAL saving rate--personal saving as a percentage of disposable personal income--decreased to 0.5 percent in 1998 (and reached zero in the fourth quarter of 1998). These decreases, which continue a two-decade long downtrend, are not surprising in light of the large gains in household wealth, the steady growth...
- Research articles 1999-02-01
- Commentary: Does saving rate drop hurt people, the economy?
- The Commerce Department recently announced the nation's personal saving rate, calculated as a percentage of disposable (or after- tax) personal income, had fallen to a negative number for the first time since October 2001. The national savings rate fell to a negative 1.1 percent in July 2005, followed by a...
- Research articles 2005-11-04
- Taxation and the household saving rate: Evidence from OECD countries
- Taxation and the household saving rate: evidence from OECD countries
- Research articles 2000-03-01
- What Explains Private Saving in Mexico?
- This paper examines the factors influencing Mexico's private saving rate. Cross-country analysis finds that Mexico's private saving is somewhat higher than could be explained by its fundamentals, but lower than in the average country in the sample. This analysis suggests that Mexico's greater reliance on external saving, its relatively high...
- White papers 2006-08-01
- Is Personal Saving the New Black?
- Is it possible that saving is back in fashion? That's what I wondered after absorbing the Commerce Department's May Report on Personal Income and Spending. Those who are lucky enough to have jobs, saw incomes increase by 1.4%. Sure this may have been due to the bump...
- Blog posts 2009-06-29
- Pension Accounting and Personal Saving
- According to the U.S. Department of Commerce, the personal saving rate in the United States has declined dramatically, from 10.6% of disposable personal income in 1984 to a low of 2.3% in 2001, before climbing to 3.9% in 2002. Debate rages over the reasons for this decline, The principal sources...
- White papers 2003-09-01
- Low U.S. saving: increase it by reducing the federal deficit
- In spite of the federal deficit-reduction package enacted October 1990, the deficit remains huge and national saving is still very low. In reconsidering the issue of U.S. saving, this article concludes: (1) Low national saving continues to be a major U.S. problem; (2) demographic...
- Research articles 1992-01-01
- Saving and investment: Determinants and policy implications
- Introduction Recent trends in national saving and investment rates have raised questions about sustainability, both with respect to their levels and the balances between them. - In the United States, the total investment rate rose throughout the 1990s, reflecting mostly a rapid acceleration in the purchase of machinery...
- Research articles 2001-12-01
- 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
- BSA finds saving rate on the rise.
- BRITONS are saving more but mortgage demand continues to be strong, according to new figures released by the Building Society Association. BRITONS are saving more but mortgage demand continues to be strong, according to new figures released by the Building Society Association.
- Research articles 2006-02-23
- NS&I takes Bank's lead with saving rate cut.(National Savings and Investments is decreasing its interest rates )(Brief Article)
- NATIONAL Savings and Investments will drop the interest rate on its variable rate products from this month. The drop from 4.75 per cent to 4.5 per cent is the first reduction on NS&I's variable rate offers in two years, following the recent base rate...
- Research articles 2005-09-01
- Is Saving More a Good Thing?
- Americans have cut down dramatically on spending and ratcheted up their savings rates. And while that's good for the economy long term, helping to finance valuable investment, in the short term, it's only making our economic woes worse…A recent store visit underscores just how dramatically spending habits have changed in...
- Articles 2009-03-09
- Building Down the U.S. Consumer Society
- By now Americans hardly need reminding that, in the aggregate, they bought too much stuff over the last 10 years, and that it was unwise to rely so much on borrowed money. Economists are starting to reckon what it's going to cost to unwind it all and get the U.S....
- Blog posts 2009-05-27
- Lehman Post Mortem: How are YOU Doing a Year Later?
- With all the hoopla around the one-year anniversary of Lehman Brothers' plunge into bankruptcy we need a Miss Manners consult to determine the correct gift to honor such an event, what has really changed in the lives of ordinary Americans? The CBS MoneyWatch.com Team talked to a bunch of people...
- Blog posts 2009-09-15
- Fear of nuclear war and intercountry differences in the rate of saving
- FEAR OF NUCLEAR WAR AND INTERCOUNTRY DIFFERENCES IN THE RATE OF SAVINGJOEL SLEMROD [*] I. INTRODUCTION AND REVIEW OF PREVIOUS LITERATURE Can differences in the perceived likelihood of nuclear war explain intercountry differences in saving behavior? The analysis presented in this paper, based on recent...
- Research articles 1990-10-01
- Recovery Is Underway But Double-Dip Recession Risk Remains
- Consumers Are Not Saving Yet Over the last months, we have seen articles discussing the dramatic surge of Personal Saving Rate as % of Disposable Income and how America shifted from being consumer-driven to saving-driven. Most observers forgot to mention Personal Saving Rate Ex Transfer Payments As %...
- External links 2009-09-02
- Accumulated Pension Collars: A Market Approach to Reducing the Risk of Investment-Based Social Security Reform
- This paper shows how a new type of derivative product that could be provided by private financial markets could in principle be used to guarantee that an investment-based Social Security reform provides at least the level of real retirement income that is projected in current Social Security rules. In effect,...
- White papers 2003-01-01
- The Fruits of Frugality
- Despite our recent history, Americans haven't always been spendthrifts: from 1950 to 1992, the saving rate averaged 8.6 percent. What a return to a savings rate that high might look like in terms of social habits, the country's mood, and our position in the world…In the wake of the...
- Articles 2009-03-17
- Retirement Calculator Report Card: Are You Saving Enough?
- We put that question to the six top online retirement calculators and got six different answers. Here's how to use them to get the right answer. ...
- Articles 2009-08-11
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