Finance

  • Tool

    Tool

    RAND HRS Longitudinal File 2018 (V2) Documentation: Includes 1992-2018 (Final Release)

    This tool is a cleaned, easy-to-use, and streamlined data product containing information from the Health and Retirement Study, a longitudinal household survey that facilitates research into different aspects of population aging in the United States.

    Aug 9, 2022

  • Report

    Report

    National Geospatial-Intelligence Agency Resources: Financial Management Programming Evaluation

    The authors examined how the National Geospatial-Intelligence Agency has programmed its resources, focusing on the reasons for changes over time and the results of the changes.

    Jun 8, 2022

  • A senior couple standing in their home in front of a large window. The man has his arm around the shoulder of the woman as they talk. Photo by FG Trade / Getty Images

    Journal Article

    Pathways to Retirement Among Dual Earning Couples

    This paper examines the transition from full-time work to fully retired among dual earning couples, which we call joint retirement trajectories. We analyze 12 waves of the Health and Retirement Study to map out the distribution of potential pathways that couples undertake when retiring.

    Apr 21, 2022

  • Brochure

    Brochure

    Spotlight 2021–2022

    Spotlight 2021-2022 highlights selected RAND Europe projects that address the important issues of our time. It also features research that is poised to make a difference in the coming year.

    Feb 23, 2022

  • Report

    Report

    Proceedings of the U.S.-Japan Socioeconomic Policy Research Exchange: The Rise of Telework Under COVID-19 and the Growth of Cryptocurrency

    This volume captures insights from two conferences that brought together leading U.S. and Japanese experts to explore the implications of recent growth in teleworking, working from home, cryptocurrency, and blockchain in the United States and Japan.

    Jan 5, 2022

  • Stock market trends overlaid on picture of houses with solar panels, photos by BAIVECTOR/Adobe Stock and ebobeldijk/Getty Images

    Commentary

    More Than Green: Leveraging Green Bonds to Invest in Greater Climate Resilience

    The significance of green bonds may depend not only on having a lot of them but also on carefully developing, investing, and tracking projects against the larger goal of climate resilience.

    Nov 24, 2021

  • Watering a topiary depicting growth, photos by robert and Naypong Studio/Adobe Stock

    Commentary

    The Growing Green Bond Market Could Plateau. How Can It Grow Further?

    If green bonds are a viable tool to reduce emissions and adapt infrastructure to the effects of climate change, how can governments encourage the issuance, sales, and growth in the share of green bonds in the total bond market?

    Nov 23, 2021

  • Green business growth and finance sustainable development, photo by mihacreative/Adobe Stock

    Commentary

    Green Bonds Can Leave Issuers in the Red

    To achieve the Biden administration's blueprint for solar energy and focus on climate change mitigation and adaptation, green bonds may be worth considering. But, like any other financing instrument, they may be best considered through a cost-benefit lens.

    Nov 22, 2021

  • Black family with older parents looking at financial records, photo by Alina555/Getty Images

    Commentary

    Protecting the Elderly from Financial Exploitation

    Older adults are more vulnerable to scams and more likely to have money and assets than their younger counterparts of the same race/ethnicity. Policy solutions that provide protection against financial fraud could help older adults to live more financially stable lives.

    Oct 14, 2021

  • Tenants and housing rights activists protest for a halting of rent payments and mortgage debt in Los Angeles, California, October 1, 2020, photo by Lucy Nicholson/Reuters

    Commentary

    Renters' Last Chance for Pandemic Aid Before Evictions Resume

    The pandemic has battered Los Angeles renters, and a new wave of pain is coming with the moratorium on evictions ending September 30. But this housing crisis doesn't have to turn into a new homelessness crisis. Californians with incomes below 80 percent of their area's median are eligible to receive funds from the COVID-19 Rent Relief program.

    Sep 24, 2021

  • Close-up image of a subscribe button on a website, photo by Laurence Dutton/Getty Images

    Commentary

    When a Free Trial Is Anything But

    Several strategies could help protect consumers from subscription traps. Strategies could include providing better information showing that a free trial is followed by a subscription, reminding consumers that they have a subscription, and allowing consumers to easily cancel.

    Aug 2, 2021

  • Report

    Report

    Future of the Credit Information Market: Final report

    This project identified the factors influencing change and developed four plausible future scenarios for 2030 that provide insights into the implications for the credit information market, the lending markets, consumers and wider society.

    Jul 29, 2021

  • Representations of cryptocurrencies Bitcoin, Ethereum, DogeCoin, Ripple, and Litecoin placed on a PC motherboard, June 29, 2021, photo by Dado Ruvic/Reuters

    Commentary

    Cryptocurrency Should Be Added to the U.S.-Japan Trade Deal

    As the Biden administration begins to define its approach to international trade, and the Suga administration looks to further tighten cooperation with the United States, it may be worth reconsidering the exclusion of cryptocurrency from the U.S.-Japan trade deal. Substantial economic equities are at stake for both sides.

    Jul 28, 2021

  • Close up hand of patient paying with smartphone, photo by Ridofranz/Getty Images

    Commentary

    Fintech's Role in Reducing Disparities and Financial Barriers to Health Care Access

    Given the growing pressures on health care systems globally and the need for innovative approaches to financing health care, the time may be ripe to develop a robust evidence base and share learning on fintech-enabled approaches that could support universal health coverage agendas and healthier and more stable societies.

    Jul 26, 2021

  • Research Brief

    Research Brief

    The Prevalence of Criminal Records Among Small Business Owners

    This research brief addresses a new estimate of how many U.S. small businesses have owners with criminal history records.

    Jun 30, 2021

  • Blog

    RAND Art + Data, 'Gray Market Care,' Supply Chains and Cyberattacks: RAND Weekly Recap

    This weekly recap focuses on RAND's new artist residency program, Art + Data; the prevalence of “gray market care” in the United States; supply chains' cyber problem; and more.

    Jun 25, 2021

  • Paycheck Protection Program borrower application form, photo by golibtolibov/Getty Images

    Report

    Small Businesses, Criminal Histories, and the Paycheck Protection Program

    The Paycheck Protection Program—signed into law as part of the CARES Act in March 2020—provided money for payroll, rent, mortgage, and utilities to small businesses. But companies owned by individuals with criminal backgrounds were ineligible to receive funds. Some of the restrictions were later relaxed, but how many business owners and employees were affected?

    Jun 21, 2021

  • Dissertation

    Dissertation

    How I Learned to Stop Worrying and Love Blockchain: Implications and Applications of Blockchain

    Explores the implications and applications of blockchain, the technology underpinning contentious cryptocurrencies.

    May 25, 2021

  • Game pieces atop stacks of coins of various heights, depicting income inequity, photo by Andrii Zastrozhnov/Getty Images

    Research Brief

    A New Approach to Measuring Income Inequality

    A new method for measuring income inequality reveals that, from 1975 to 2018, the only group for which actual income gains exceeded U.S. GDP growth was the group near the 99th percentile of income distribution.

    Apr 29, 2021

  • Exploring Workplace Financial Wellbeing Interventions

    Multimedia

    Exploring Workplace Financial Wellbeing Interventions

    Workplace financial wellbeing interventions could offer a key means for addressing rising financial concerns and mental health issues in the workplace. In this video, Christian van Stolk and Jennifer Bousfield describe their findings from an extensive analysis of British and Asian workplace survey data.

    Mar 9, 2021