@poverty_action’s US Finance Initiative. We use #behavioralecon to design & test innovations that promote secure financial lives for US households.
Washington, DC
Joined April 2014
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The science behind why you don’t save (and what to do about it) time.com/money/4417515/scien…
IPA's US Finance retweeted
IPA webinar: this Friday, March 27 at 10am EST
When and how can rigorous research be successfully incorporated into financial product delivery?
Registration: zoom.us/webinar/register/WN_…
More info: poverty-action.org/event/web…
@CESRUSC @CESISolutions
An Abacus! #StataBeanie
We just added some awesome new beanies to our gift shop, and we want to hook one of you up for this month’s #StataGiveaway!
RT with #StataBeanie & comment with 1 item you’d like to see us carry in our gift shop to be entered to win. Winners announced Wed. morning at 10am CST.
IPA's US Finance retweeted
Do prize-linked incentives promote positive financial behavior?
Join us for a #FinclusionWeek webinar on new results tomorrow at 11am EST, ft. Jeremy Burke, @SeanKHiggins, @rebecc_rouse, & Michael Rosenbaum
Register here: poverty-action.org/event/web…
@IPA_US
IPA's US Finance retweeted
Results webinar on Prize-lined financial products-
they use people's impulses for good by offering people a 'lottery'-like incentive for saving money or paying down debt
Hear new findings Tues w/@rebecc_rouse, @SeanKHiggins, & Jeremy Burke of @CESRUSC poverty-action.org/event/web…
IPA's US Finance retweeted
Financial products that incorporate sweepstakes as an incentive for use- like prize-linked savings accounts. Popular, but do they work?
Join @poverty_action @IPA_US for Oct 22 webinar presenting RCTs from US & Mexico... results may surprise you
👉🏼👉🏼 bit.ly/31hNjUP
Interesting results on aid disbursement timings from @MDRC_News. mdrc.org/publication/increme…
.@nealemahoney's presentation on Financial Distress and the US Health Care System is fascinating. The slides are definitely worth reading.
Here's a link to my slides:
dropbox.com/s/wni7ickkgr8cyh…
IPA's US Finance retweeted
Lack of short term credit for low income individuals is serious problem. While unregulated payday lending industry has very bad effects on vulnerable communities. Alternative is very expensive overdraft fees/loans or very high interest revolving credit card debt. No easy answers.
Bernie Sanders & AOC have proposed capping credit card interest rates at 15% teapawt.net/CNBC/status/1126505443…
For recent evidence on the effects of this kind of policy, we can turn to one of my favorite recent econ papers (by Ignacio Cuesta & Alberto Sepúlveda) drive.google.com/file/d/1_to…
IPA's US Finance retweeted
Streaming now, U.S. House testimony on college affordability & completion W/ @dynarski @UofMemphisPres @kyleethelbah @PamEddinger youtube.com/watch?v=yypt2fTx…
Wonderful piece on the evidence around financial education from @timothyogden!
In which I lose my temper on mandatory financial literacy classes:
wapo.st/2GE5Ofk
(and thanks to the WaPo editors who valiantly dialed me back).
"Even six months after the refund, average daily expenditures have settled to a new steady state which is 6.7 percent higher than the pre-refund steady-state" Fascinating look at spending and tax refunds from #JPMCInstitute. jpmorganchase.com/corporate/…
IPA's US Finance retweeted
Care provided by primary care practitioners accounts for a small fraction of total spending among Medicare beneficiaries.
This is important, because orientation toward primary care has been associated with higher quality, better outcomes, and lower costs. rand.org/news/press/2019/04/…
#TaxDay is today! Remember that you can file for free below an income of $66,000 online!
#IRSFreeFile is available to file a tax return or request a filing extension from #IRS irs.gov/freefile
Good information on credit scoring from a consumer perspective! washingtonpost.com/lifestyle…
IPA's US Finance retweeted
White, non-college-educated Americans born in the 1960s face shorter life expectancies, higher medical expenses, and lower wages compared to their counterparts born in the 1940s, from Margherita Borella, Mariacristina De Nardi, and Fang Yang nber.org/papers/w25661
IPA's US Finance retweeted
Shared in last week's letter:
Michael Rosenbaum for @poverty_action, discusses the behavioral improvements necessary for more effective student loan repayment.
poverty-action.org/blog/stud…
Good overview of debt cycles with payday lenders in the US. Nice work @theindicator npr.org/sections/money/2019/…
IPA's US Finance retweeted
How many teachers aren't taking full advantage of loan forgiveness? Michael Rosenbaum of @IPA_US makes the case for research w/ @BrianJacobProf, @nomadj1s, & Ben Keys looking at a simple nudge to help poverty-action.org/blog/stud…
Even without peer effects, I'd be writing a #behavioralvalentines about you @poverty_action
IPA's US Finance retweeted
In @Philanthropy, @MaryKayGugerty & @deankarlan summarize their award-winning book: "How to Avoid Spending Too Much or Too Little to Measure Results" philanthropy.com/article/Opi…