Finance

  • Graduates tossing their mortarboards in the air

    Commentary

    Is College Worth the Expense? Yes, It Is

    Many American students struggle with the soaring cost of higher education. And for many college students, debt can have severe negative implications. But on balance, the benefits of a college degree appear to outweigh the costs.

    May 22, 2017

  • consumer protection, debt, debtor, credit, creditor, , study, studying, learn, learning, learned, , shelf, book-shelf, library, , numbers, gold, leather, golden, , lots, several, code, codes, statute, statutes, , legal-books, volumes, many, multiples, , law, legal, book, books, law-books,

    Report

    Inching Toward Reform: Trump's Deregulation and Its Implementation

    This Perspective considers how well Executive Order 13771 addresses concerns of supporters of regulatory reform and how agencies and the Office of Management and Budget can best face the challenges and opportunities of implementing regulatory reform.

    May 18, 2017

  • Trucks and port infrastructure, Sao Francisco do Sul, Brazil. July 2006

    Project

    Supporting Brazilian Regulation to Encourage Private Investment

    RAND Europe is supporting the Brazilian Logistics Investment Programme by delivering a roadmap to the Brazilian Ministries of Planning and Finance in logistics infrastructure investments. The purpose is to assess the current regulatory framework and encourage reform to enable greater participation of private investment.

    May 8, 2017

  • Report

    Regulation of logistics infrastructure in Brazil

    This report deals with the regulation of logistics infrastructures in Brazil, focusing in particular on the federal level. Brazil, one of the key emerging economies in the world, has a particular need for developing logistics infrastructures.

    May 8, 2017

  • Financial video game

    Commentary

    Let's (Not) Play Games with Dodd-Frank

    Dodd-Frank, the 2010 financial reform law, is now itself the target of reform. Those involved with the overhaul could draw inspiration from an unlikely source: video games. A simulation game could help predict the effects of changes to regulations—and avoid high-stakes missteps.

    May 4, 2017

  • Empty courtroom with scales of justice

    Commentary

    Discount Justice: Fiscal Austerity and State Courts

    Budget cuts at the state court level can mean courthouse closures, hiring freezes and layoffs, leading to longer wait times for the public. Educating the public about the role and importance of the state courts is key to preventing more budget cuts in the future.

    Apr 18, 2017

  • Journal Article

    Five Steps to Planning Success: Experimental Evidence from US Households

    In this paper, we designed and evaluated a financial education programme that demonstrably increased participants’ objective knowledge and self-efficacy.

    Apr 13, 2017

  • A woman worrying at her desk

    Commentary

    We Still Know Little About Financial Well-Being

    There is a clear link between UK employees being concerned about their finances and negative health and well-being. The challenge for researchers is that financial well-being is hard to measure.

    Feb 20, 2017

  • New shoe and old shoe side by side.

    Commentary

    Trends in Inequality and the World's Eight Richest Men

    While Oxfam reports have done a good job of bringing attention to the problem of inequality, they may give the false impression that global inequality has been rising instead of falling. Global inequality has actually been on the decline while inequality within the developed world is increasing.

    Feb 10, 2017

  • A boy in preschool playing with building blocks with classmates

    Research Brief

    Building Blocks for Expanding High-Quality Preschool

    Cincinnati is seeking to expand preschool programs to more children. A number of approaches would likely provide returns on investment, but it is important to ensure programs are high-quality.

    Dec 12, 2016

  • Flags and signs warn drivers about lane closures along Pacific Coast Highway near San Francisco, California

    Commentary

    Rebuilding America's Infrastructure in the Trump Era

    Policymakers generally agree on the need to rebuild America's infrastructure. But the country is far behind in this area. Why? Transportation projects take time and money. And it's hard to predict how a project will affect its surroundings.

    Nov 14, 2016

  • Report

    Managing the Principal Agent Problem in Bolsa Familia: A look at contextual factors that affect the quality of implementation

    Bolsa Familia (BF) is a conditional cash transfer programme introduced in 2003 in Brazil. This report aims to understand the principal agent problem in BF.

    Nov 2, 2016

  • Illustration of people thinking and organizing their thoughts

    Commentary

    Book Review: 'Bourgeois Equality'

    In Bourgeois Equality, economist and historian Deirdre McCloskey advances the theory that ideas — not capital, institutions, innovation, R&D, tax policy, monetary policy, or regulatory policy — are the propelling force behind economic and societal growth.

    Sep 30, 2016

  • Journal Article

    A Microfinance Program Targeting People Living with HIV in Uganda: Client Characteristics and Program Impact

    Ugandans living with medically stable HIV are able to repay microcredit loans; paired with business training, the loans can help this vulnerable population improve their weekly income and build assets.

    Sep 30, 2016

  • Federal Reserve Building in Washington, D.C.

    Commentary

    Central Bank Perversity: The Downside to Aggressive Monetary Policy

    Aggressive monetary policy has negative effects on retirees, on income inequality, and on market stability—both domestically and globally.

    Sep 13, 2016

  • A young man looking at a computer screen

    Commentary

    You're Never Too Young to Plan for Retirement

    Saving early for retirement is critical, but it's also important to stay on track during job changes. Younger workers tend to change jobs often, and if they cash out of their plans with each position, that can affect their long-term savings.

    Sep 2, 2016

  • Report

    Cost Analysis of an Adolescent Pregnancy Prevention Program In-School Model Site

    This report analyzes the costs to implement the Children's Aid Society's Carrera Adolescent Pregnancy Prevention Program in-school model for one year for 880 students at one school district in Tulsa, Oklahoma.

    Aug 30, 2016

  • The Olympic park in Rio de Janeiro, Brazil, August 2, 2016

    Commentary

    The Olympic Legacy — What Can Rio Learn?

    Rio will spend $14.4 billion on the Olympics. Like other host cities, it hopes to achieve an “Olympic legacy” to ensure that this investment pays dividends after the games and provides long-term economic, social, sporting, and cultural benefits.

    Aug 3, 2016

  • Demonstrators march in the Occupy LA protest through downtown Los Angeles to City Hall on October 15, 2011

    Commentary

    Fixing Inequality of Opportunity

    Research has fueled concerns about how income inequality drives inequality of opportunity. Commonsense approaches such as improvements in education and access to quality health care have been shown to provide young people with better opportunities.

    Jul 6, 2016

  • A man is seen next to signs of Chinese yuan and U.S. dollar at a foreign exchange store in Shanghai, January 8, 2016

    Commentary

    China's Yuan as a Reserve Currency: Boon or Bane for the Dollar?

    Establishing a system in which two reserve currencies compete with each other to affect global decisions about reserve holdings may lead to greater financial stability than the present dollar-dominated system.

    Jun 3, 2016