نتایج جستجو برای: savings
تعداد نتایج: 27184 فیلتر نتایج به سال:
People systematically underestimate exponential growth. This article illustrates this phenomenon, its implications, and some potential interventions in the context of saving for retirement, where savings grow exponentially over long periods of time. Experiment 1 shows that a majority of participants expect savings over 40 years to grow linearly rather than exponentially, leading them to grossly...
Abstract This article documents that parents accumulate savings to insure their children against income risk. I refer this behaviour as dynastic precautionary saving. Using a sample of matched parent–child pairs from the Panel Study Income Dynamics, test for by examining response parental consumption child’s permanent uncertainty. exploit variation in risk across age and industry–occupation gro...
OBJECTIVE To synthesize the data available--on costs, efficiency and economies of scale and scope--for the six basic programmes of the UNAIDS Strategic Investment Framework, to inform those planning the scale-up of human immunodeficiency virus (HIV) services in low- and middle-income countries. METHODS The relevant peer-reviewed and "grey" literature from low- and middle-income countries was ...
Using a four-round panel dataset from Kagera, Tanzania, we examine whether households that suffer a death engage in precautionary savings to smooth consumption over the crisis. Under Deaton’s buffer-stock hypothesis, savings equal the present value of future falls in income. In that case, we should see greater accumulation of assets among households which anticipate a death, and liquidation of ...
Since financial services companies have worked hard to reduce reliance on paper in back-office processes, the biggest opportunities now lie in streamlining front-office processes such as marketing, customer service, lending and customer on-boarding. “Unlike back-office functions,” the report states, “these processes directly impact the customer experience, and therefore have the dual benefit of...
OBJECTIVE Enhanced HIV prevention interventions, such as preexposure prophylaxis for high-risk individuals, require substantial investments. We sought to estimate the medical cost saved by averting 1 HIV infection in the United States. METHODS We estimated lifetime medical costs in persons with and without HIV to determine the cost saved by preventing 1 HIV infection. We used a computer simul...
Austerity and fiscal crisis make the search for cost saving reforms in local government more critical. While cost savings from privatization have frequently proven ephemeral, inter-municipal cooperation has been a relatively understudied reform. We analyze the literature on cost savings under cooperation and find savings are dependent on (1) the cost structure of public services, particularly t...
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