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By J. Collins

A Fragile stability examines techniques to advertise emergency mark downs, in particular between underserved households.

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Extra info for A Fragile Balance: Emergency Savings and Liquid Resources for Low-Income Consumers

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However, there may be some unique factors that contribute to satisfaction beyond household income and net worth (Davis and Helmick 1985). Access to liquidity could be one of these factors. The ideal study would randomly assign families to receive emergency savings, but the correlations here provoke questions about the potential of liquid accounts to play a unique role for families. Limitations of Existing Measures There is a need to continue examining and validating measures of emergency savings and liquidity, especially for low-income households.

2005. ” The Journal of Economic Inequality 2 (2): 145–169. , and Olive M. Mugenda. 1998. ” Financial Counseling and Planning 9 (2): 75–83. , Sherman D. Hanna, and Kyoung Tae Kim. 2013. “Which Households Have Adequate Emergency Funds After the Great Recession? ” Paper presented at the Annual Meeting of the Academy of Financial Services, October 17, 2013, Chicago, IL. Hong, Gong-Soog, and Y. Emily Kao. 1997. ” Journal of Family and Economic Issues 18 (2): 127–145. , and Y. Regina Chang. 1997. ” Financial Counseling and Planning 8 (1): 37–46.

The federal government is an active participant when it comes to these strategies. 1 Yet, these tax programs are “upside down” because they almost entirely benefit the highest-income households, while doing little for most LMI households. J. M. ), A Fragile Balance © J. Michael Collins 2015 40 Ezra Levin This need not be the case. Federal policy can provide savings opportunities for a broader set of households. ” This chapter provides a brief overview of the size and distribution of investment and inheritance tax programs, an analysis of which households benefit from these programs, and a review of several potential policy reforms.

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