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Why use debit instead of credit? : consumer choice in a trillion-dollar market

Zinman, Jonathan (contributor) - 2004 - [Elektronische Ressource]

Debit cards are overtaking credit cards as the most prevalent form of electronic payment at the point of sale, yet the determinants of a ubiquitous consumer choice - "debit or credit?" - have received relatively little scrutiny. Several stylized facts suggest that debit-card use is driven by...

Persistent link: https://www.econbiz.de/10002521756

Student debt and higher education financing: a public finance perspective

McAndrews, James Joseph - Federal Reserve Bank of New York - 2015

Remarks at the National Association of College and University Business Officers, at the Waldorf Astoria, New York City.

Persistent link: https://www.econbiz.de/10011160719

Debt, jobs, or housing: what's keeping millennials at home?

Brown, Meta; Lee, Donghoon; van der Klaauw, Wilbert H; … - Federal Reserve Bank of New York - 2014

Young Americans’ residence choices have changed markedly over the past fifteen years, with recent cohorts entering the housing market at lower rates, and lingering much longer in parents’ households. This paper begins with descriptive evidence on the residence choices of 1 percent of young...

Persistent link: https://www.econbiz.de/10011082708

Measuring student debt and its performance

Lee, Donghoon; van der Klaauw, Wilbert H; Haughwout, … - Federal Reserve Bank of New York - 2014

Studies continue to indicate that higher education is frequently a worthwhile investment for individuals and that it raises the productivity of the workforce as a whole. While the rising cost of post-secondary education has not eliminated this "college premium," it has raised new questions about...

Persistent link: https://www.econbiz.de/10010762559

Insolvency after the 2005 bankruptcy reform

Albanesi, Stefania; Nosal, Jaromir B. - Federal Reserve Bank of New York - 2015

Using a comprehensive panel dataset on U.S. households, we study the effects of the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA), the most substantive reform of personal bankruptcy in the United States since the Bankruptcy Reform Act of 1978. The 2005 legislation...

Persistent link: https://www.econbiz.de/10011254936

Privatizing social security: the Chilean case

Santamaria, Marco - Federal Reserve Bank of New York - 1991

Persistent link: https://www.econbiz.de/10005387339

The implicit liabilities of the Pension Benefit Guaranty Corporation

Estrella, Arturo; Hirtle, Beverly - Federal Reserve Bank of New York - 1989

Persistent link: https://www.econbiz.de/10005387341

Tax policy, lump-sum pension distributions, and household saving

Chang, Angela E. - Federal Reserve Bank of New York - 1995

As of May 1988, over 8 million workers had received their pension benefits as lump-sum distributions (LSDs) when they changed jobs. In 1986 Congress imposed a 10% tax penalty on the amount of LSDs not rolled over into tax-deferred instruments. This paper examines the effects of this tax penalty...

Persistent link: https://www.econbiz.de/10005717214

Opening remarks for the Chapter 9 and Alternatives for Distressed Municipalities and States Workshop

Dudley, William - Federal Reserve Bank of New York - 2015

Remarks at the Chapter 9 and Alternatives for Distressed Municipalities and States Workshop, Federal Reserve Bank of New York, New York City.

Persistent link: https://www.econbiz.de/10011254933

Defined contribution plans: the role of income, age and match rates

Bassett, William - Federal Reserve Bank of New York - 1995

whether DC plans have expanded overall pension coverage and whether their effects on retirement saving are the same across …The growth of defined contribution plans has sparked debate concerning their effectiveness as a vehicle for retirement … saving. Using data from the May 1993 Employee Benefits Supplement to the Current Population Survey, this paper examines …

Persistent link: https://www.econbiz.de/10005512222