Demographic change and the UK savings rate

Demographic Change, Social Security Systems, and Savings.

In theory, improvements in healthy life expectancy should generate increases in the average age of retirement, with little effect on savings rates. In many countries, however, retirement incentives in social security programs prevent retirement ages from keeping pace with changes in life expectancy, leading to an increased need for life-cycle savings. Analyzing a cross-country panel of macroeco...

Savings and Wealth in the UK: Evidence from Micro-Data

The late 1980s saw a dramatic fall in personal saving rates in Britain and the United Stateswhich attracted the attention of academics and policymakers alike. The period was also marked by a number of important structural changes, any or all of which could have had an impact on personal saving behaviour. Included among these are systematic changes in the demographic structure of the population,...

Small Cues Change Savings Choices.

We present evidence from randomized field experiments that 401(k) savings choices are significantly affected by one- to two-sentence anchoring, goal-setting, or savings threshold cues embedded in emails sent to employees about their 401(k) plan. Even though these cues contain little to no marginal information, cues that make high savings rates salient increased 401(k) contribution rates by up t...

Demographic Change and Transport

the effects of speech rate,prosodic features, and blurred speech on iranian efl learners listening comprehension

کلید واژه ها به زبان انگلیسی: effect of speech rate on listening comprehension, blurred speech,segmental and suprasegmental features,authentic speech,intelligibility, discrimination, omission, assimilation چکیده: سرعت مطالب شنیداری در کلام پیوسته بطور کلی همواره کابوسی بوده برای یادگیرنده های زبان دوم و بالاخص برای شنوندگان ایرانی. علی رغم عقل سلیم که کلام با سرعت کندتری فعالیتهای درک مطلب شن...