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Household finance studies is a relatively recent field, exploring a growing understanding of how households make financial decisions relating to the functions of consumption, payment, risk management, borrowing and investing; how institutions provide goods and services to satisfy these financial functions of households; and how interventions by firms, governments and other parties affect the provision of financial services. This timely book analyses existing findings about household behavior as well as findings related to policy interventions. With international case studies, this book reviews a topic of global importance and brings a crucial up-to-date survey of the field for researchers and postgraduate students.
The financial crisis exposed the potentially unsavory results of the interaction between low- and moderate income households and alternative and mainstream financial institutions. Many households were overleveraged or paid high costs for financial services, while others lacked access to useful financial products that can cushion against economic instability. The financial services system is not well designed to serve low- and moderate-income households, leaving them without financial slack: they did not have adequate breathing room for making the financial adjustments that would permit them to better meet their own needs. No Slack shows us why these families were the least prepared to handle...
LIFE Magazine is the treasured photographic magazine that chronicled the 20th Century. It now lives on at LIFE.com, the largest, most amazing collection of professional photography on the internet. Users can browse, search and view photos of today’s people and events. They have free access to share, print and post images for personal use.
This book shows how promoting clean energy technologies - from solar panels to electric cars - can end human-induced climate change.
These volumes of the "Documentary History of the Jews in Italy," illustrate the history of the Jews in Genoa and surroundings from Antiquity to the French Revolution. The earliest documentary evidence takes the form of letters from King Theodoric. For the Middle Ages the documentation is relatively fragmentary and sporadic. Later there is greater abundance of historical evidence, which portrays chiefly the destinies of the Jews in the Republic from the sixteenth century on, when the presence of the Jews became permanent and a regular community was established also in the capital. The historical records presented illustrate mainly the relationship between the government of the Genoese Republi...
The struggles of low-income families trying to build savings accounts
How do people decide whether to sacrifice now for a future reward or to enjoy themselves in the present? Do the future gains of putting money in a pension fund outweigh going to Hawaii for New Year's Eve? Why does a person's self-discipline one day often give way to impulsive behavior the next? Time and Decision takes up these questions with a comprehensive collection of new research on intertemporal choice, examining how people face the problem of deciding over time. Economists approach intertemporal choice by means of a model in which people discount the value of future events at a constant rate. A vacation two years from now is worth less to most people than a vacation next week. Psycholo...
Argues that public finance--the study of the government's role in economics--should incorporate principles from behavior economics and other branches of psychology.
This book explores the relationship between economic thought, proposals for reform of political institutions, and civil society in the period between the rise to power of Napoleon and the eve of the First World War in Italy and France – two countries with a similar cultural and political tradition and with personal mobility of the intellectual class. The first section of the book is devoted to the struggle for identity, justice, and liberty, including its economic dimensions. The relation between political and economic freedom and its effect on equity is then addressed in detail, and the third, concluding section focuses on the intellectual and political conflict between the social visions of liberalism and socialism in some of their various forms, again with consideration of the economic implications. The comparative nature of the analysis, combined with its interdisciplinary approach to the history of economic and political thought and social history, will enable the reader to understand more clearly the historical evolution of each country and the relevant contemporary political and economic issues.