Download A Fragile Balance: Emergency Savings and Liquid Resources by J. Collins PDF

By J. Collins

A Fragile stability examines thoughts to advertise emergency reductions, particularly between underserved households.

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1999. ” Journal of Personality and Social Psychology 76 (1): 54–71. , Lora Ebert Wallace, Yumei Sun, Ronald L. Simons, Vonnie C. McLoyd, and Gene H. Brody. 2002. ” Developmental Psychology 38 (2): 179–193. , and Joachim K. Winter. Forthcoming. ” In Improving the Measurement of Consumer Expenditures, ed. Christopher Carroll, Thomas Crossley, and John Sabelhaus. Chicago, IL: University of Chicago Press. , and Sandra A. Helmick. 1985. ” Home Economics Research Journal 14 (1): 123–131. DeVaney, S. A.

There is a significant racial element to the estate tax as well. 3 Average Income from Capital Gains and Dividends by Income Group. Source: TPC (2013) than blacks, and white households’ inheritances are much larger than black households’ inheritances (Thomas et al. 2014). Second, while the estate tax is inherently a progressive tax, it has been cut significantly in recent years. Estate taxes are only applied to estates after the value of the estate is reduced through deductions, and then after a large portion of the estate is exempted.

Research that tests the capacity of emergency savings interventions to decrease financial strain and positively affect adult and child well-being may be of particular value. More focused studies are needed to test variations in measures, including variations in savings levels and the time required to tap funds, differentiation of the credit and social forms of liquidity, and consumption-based benchmarks such as housing costs. Studies that evaluate the impact of emergency funds as a specific, 34 Leah Gjertson unrestricted form of liquidity are also needed, including longitudinal randomized experiments that can assess the impacts of savings on child and family hardships and wellbeing.

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