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Federal Reserve Bank of St. Louis: “Beginning in the 1980s and 1990s, storefront payday loan businesses began to spring up across the country and quickly became commonplace. Today, there are approximately 20,000 storefront lenders, an average of 6.3 payday stores for every 100,000 people. By comparison, in 2012, there were 14,157 McDonald’s restaurants in the United States. Additionally, …
EIA QUICK FACTS “Pennsylvania was the fourth largest coal-producing state in the nation in 2012, and the only state producing anthracite coal, which has a higher heat value than other kinds of coal. Pennsylvania’s annual gross natural gas production, primarily from the Marcellus Shale, exceeded 2 trillion cubic feet in 2012, a 72% increase over …
“This third annual report of the Office of Financial Research (OFR) assesses threats to U.S. financial stability, outlines OFR research that supports the assessment, and describes the OFR’s progress in meeting our mission. The report also evaluates policy initiatives for promoting financial stability and describes our work to improve the quality and scope of financial data and analysis. The OFR, financial …
Summary of Commentary on Current Economic Conditions by Federal Reserve District Prepared at the Federal Reserve Bank of Chicago and based on information collected on or before November 24, 2014. “Reports from the twelve Federal Reserve Districts suggest that national economic activity continued to expand in October and November. A number of Districts also noted that …
“Preventing and managing data breaches have become two of the highest priorities facing businesses today. To help executives plan ahead, Experian Data Breach Resolution announces the release of its second annual Data Breach Industry Forecast, a complimentary white paper outlining key issues and trends to watch for in 2015. Many evolving factors such as new threats, regulatory changes …
Do Homeownership and Rent Subsidies Protect Individuals from Material Hardship? Robert I. Lerman and Sisi Zhang, November 2014. “Homeowners and subsidized renters experience significantly lower material hardship than unsubsidized renters, even after taking account of income, income variability, race, education, and family structure. Homeownership conveys more protection against hardship than do rent subsidies. Using the Survey of …
“For many Americans, access to computers and high-speed Internet connections has never been more important. We use computers and the Internet to complete schoolwork, locate jobs, watch movies, access healthcare information, and find relationships, to name but a few of the ways that we have grown to rely on digital technologies. Just as our Internet activities have increased, so too have …
“In their latest report, Four-Year Myth, Complete College America and its Alliance of States reveal that the vast majority of full-time American college students do not graduate on time, costing them and their families tens of thousands of dollars in extra college-related expenses, as well as lost wages from delaying entry into the workforce. The …
Brogaard, Jonathan and Riordan, Ryan and Shkilko, Andriy and Sokolov, Konstantin, High-Frequency Trading and Extreme Price Movements (November 26, 2014). Available for download at SSRN: http://ssrn.com/abstract=2531122 “This paper examines the relation between high-frequency trading (HFT) and extreme price movements (jumps). Some market observers allege that HFT causes and exacerbates price jumps thus contributing to market …
International Journal of Central Banking (IJCB), December 2014 issue – Cover and contents Monetary and Labor Interactions in a Monetary Union by Vincenzo Cuciniello Financial Stability and Central Bank Governance by Michael Koetter, Kasper Roszbach and Giancarlo Spagnolo The Aggregate Demand Effects of Short- and Long-Term Interest Rates by Michael T. Kiley Introducing Funding Liquidity Risk in a Macro …
November 2014 EBRI Issue Brief #406 “The percentage of all families with an employment-based retirement plan from a current employer decreased from 38.8 percent in 1992 to 36.2 percent in 2013, according to the most recent data from the 2013 Survey of Consumer Finances (SCF), the Federal Reserve Board’s triennial survey of wealth. While retirement …
Working for the federal government: Part 2, November 2014 – “Changes to the federal hiring process have made it easier than in the past to apply for federal jobs. But getting a job in the federal government can still be challenging. You might have to sort through dozens of vacancies to find a job that …
