This paper uses data from a new, large survey to estimate the demand for financial services of low-and-moderate income … particularly difficult (and likely very costly) for the very poor is consonant with our findings that those with less income …

in unsecured debt has been particularly striking for low-income households. Some researchers have suggested that poor … these lost earning via other income sources, showing that consumption falls in response to these earnings shortfalls. I also … sufficient access to unsecured credit to help smooth consumption in response to transitory income shocks. …

We propose an incentive pay scheme for educators that links educator compensation to the ranks of their students within … optimal levels of effort to all students. Because this scheme employs only ordinal information, our scheme allows education …

students on community college campuses. Scholarships were awarded in three payments each semester over the course of two … semesters. Payments were tied to students meeting two conditions—enrolling at least half time and maintaining a “C” or better … earned each semester. One year after random assignment, program group students were more likely to persist at their program …

This paper tests whether state fiscal policy alters neighborhood income homogeneity. One implication of the Tiebout … decrease in neighborhood income homogeneity. …

This paper uses the National Longitudinal Surveys (NLS), the Panel Study of Income Dynamics (PSID), and the General … Social Survey (GSS) to measure the elasticity of family income on men’s adult earnings in 1980 and the early 1990s. The study … finds a large and statistically significant increase in the importance of family income over time when comparing cohorts in …

This paper tests whether state school finance reform alters neighborhood income homogeneity. One implication of the … that school finance has a significant effect on school district income sorting, especially among low income communities. …

income. More years in the U.S., higher education attainment and English language fluency remain strong predictors of …-born residents, or lower-income …

the relationship between the incomes of parents and future earnings of their children. We focus on two different measures …This paper concerns the problem of inferring the effects of covariates on intergenerational income mobility, i.e. on … of mobility- (i) traditional transition probability of movement across income quantiles over generations and (ii) a new …