We propose a simple theoretical model which shows how the combined effect of wage uncertainty and risk aversion can modify the individual willingness to pay for a HE system financed by an ICL or a ML. We calibrate our model using real data from the 1970 British Cohort Survey together with the features of the English HE financing system. We allow…

Auto insurance rates can vary dramatically, with much higher premiums in poor and minority areas than elsewhere, even after accounting for individual characteristics, driving history, and coverage. This paper uses a unique data set to examine the relative influence of place-based socioeconomic characteristics (or redlining) and place-based risk…

Findings of a project to review Alaska statutes for evidence of sex discrimination is divided into 14 sections. An introduction provides an overview of the project scope, history, organization, and research procedure. A section on insurance looks at gender-based insurance rates and conversion and continuation of health benefits. Under the category…

A project was developed to gain more insight into family financial problems, to identify these problems, and to formulate educational strategies to deal with and help solve these problems. This project was conducted in three phases, which included community outreach, development of educational materials, and evaluation. Three communities with…

The activities of the educational boards and foundations of the United States from July 1, 1918, to June 30, 1920, were varied and interesting. A number of important studies and surveys were made that throw light on educational problems of the highest importance to the Nation and State, which are briefly set forth in this bulletin. The following…

The document contains proceedings of a conference on consumer interests. The proceedings are proposed for those who attended the conference and other interested professionals. The major purpose of these proceedings is to stimulate thought and discussion regarding consumer issues. The first general session focuses on consumer representation. Three…

Designed as an aid for those teaching disadvantaged adults, this guide for consumer education for families with limited incomes consists of an overview for preparing teachers to teach consumer education to disadvantaged adults as well as English and Spanish instructional materials in 10 areas of consumer education. In the overview of teaching…