Commentary
In considering foreign application to acquire U.S. companies, the United States needs to consider both risks as well as benefits in both defense and economic dimensions, write Charles Wolf, Jr., Brian Chow, Gregory Jones, and Scott Harold.
Report
Presents summary data from the American Life Panel on the 2011 banking practices of U.S. household respondents.
Project
What effect has the financial crisis had on households and health? RAND researchers seek to quantify the effects of the crisis on older U.S. households, and the adjustments made in response. With this information, they aim to determine whether downturns in economic status are associated with declines in health.
Project
People with low levels of financial literacy are more easily influenced by the default settings of employee savings plans. The Financial Literacy Center is measuring differences in default effects for employees at companies with auto-enrollment retirement plans, focusing on differential behavior by income.
Content
Financially vulnerable Americans often have limited awareness of tax-time savings tools. The Financial Literacy Center has developed and is evaluating a video game and national marketing effort to encourage lower-income Americans to take advantage of the government's tax policies.
Report
A preliminary assessment of the impact of the financial crisis on the civil justice system finds that litigation demands on some parts of the system have increased, that funding for state courts may be trending downward, and that there have been disruptions in the legal services economy, in the provision of legal aid, and in the operation and staffing of courts.
Content
Working with a credit union, Financial Literacy Center researchers are piloting a voluntary, in-person annual "financial health check" service with follow-up, to help households improve their financial decisions. The project is also testing the pilot's effects on behavior.
Content
The RAND Development Portfolio Management Group (DPMG) uses innovative approaches to assess projects and help our clients get intended results from their economic development investments.
Content
The RAND Development Portfolio Management Group (DPMG) uses innovative approaches to assess projects and help our clients get intended results from their economic development investments.
Project
Hispanic immigrants constitute a rapidly growing share of the U.S. population but are less likely to be financially literate than natives. RAND researchers are investigating barriers to Hispanic immigrants' use of financial services and evaluates financial education materials for them.
Project
Households annuitize very little of their retirement savings. The Financial Literacy Center is studying the annuitization choices of retiring workers, designing and implementing new communication strategies that will raise acceptance of annuities, and examining the effectiveness of these strategies.
Project
Currently, few Americans opt to annuitize their Social Security payments. A better understanding of individuals' preferences for annuitization, obtained via a stated-preference survey, can inform the debate on Social Security reform.
Report
Presents a plan for fiscal consolidation and budget reform for the Republic of Korea in which the Korean National Assembly would adopt a new budget process centered on a fiscally constrained budget resolution.
Project
Women continue to lag behind men, not only in income, but in overall financial capability and retirement preparedness. A financial "bootcamp" may hold promise as a financial education program for early to mid-career women.
Journal Article
Using newly collected data from the RAND American Life Panel, we examine potential explanations for the gender gap in financial literacy, including the role of marriage and who within a couple makes the financial decisions.
Journal Article
In developing countries, HIV medical care is often insufficient to achieve social and economic health, and hence innovative economic support programs are much needed.
Journal Article
The purpose of this article is to examine the relationship between changes in household finances (wealth and income) and changes in dental utilization at the onset of the recent recession in a population of older Americans.
Tool
The Health and Retirement Study is a longitudinal survey of the elderly dating back to 1992. With the support of the National Institute on Aging and Social Security Administration, RAND has made five data sets available for researchers.
Project
Research suggests that many individuals claim Social Security retirement benefits at younger ages than may be optimal. The Financial Literacy Center is evaluating alternative ways to convey information about when to claim benefits and offering advice to enhance the Social Security Administration's online claiming website.
Project
People have difficulty understanding how much money they must accumulate in their working years to create a sufficient stream of income once they retire. The Financial Literacy Center is exploring whether disclosing information about the monthly retirement income stream resulting from an individual's retirement account will change savings behavior.
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