SAVING INCENTIVES FOR LOW- AND MIDDLE-INCOME FAMILIES: EVIDENCE FROM A FIELD EXPERIMENT WITH H&R BLOCK* ESTHER DUFLO WILLIAM GALE JEFFREY LIEBMAN PETER ORSZAG EMMANUEL SAEZ We analyze a randomized experiment in which 14‚000 tax filers in H&R Block offices in St. Louis received matches of zero‚ 20 percent‚ or 50 percent of IRA contributions. Take-up rates were 3 percent‚ 8 percent‚ and 14 percent‚ respectively. Among contributors‚ contributions‚ excluding the match‚ averaged $765 in the control group
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Fadfadffasdf afasd fadfas asdf sadf sdf sdf s fsd sd For our free membership‚ please upload one paper to the site. Please fill out the form below to join the site. Your account will be activated immediately. ------------------------------------------------- Top of Form ------------------------------------------------- Personal Information 1. Birth Date: 2. Sex: ------------------------------------------------- Paper Information 1. Choose the type of document you are submitting:
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University‚ UK (MBA1) Oxford Brookes University‚ UK (BSc. Hons) CICPA2 PO Box 117‚ Geylang Post Office‚ Singapore 913804 Tel: +65-83300960 E-mail: muzihemba@gmail.com Dr. K. C. Wong MBA Project Supervisor / Mentor Abstract: Qingdao Haier has been the world ’s largest white goods manufacturer since 2010. Haier has built a portfolio of unrelated diversification through mergers and acquisitions and had decentralizing its operational risks. Haier is confronting few strategic issues which might be more rational
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parent-child relationship. If research is done‚ the research surrounds fathers who belong to the middle- and upper-class. The article entitled “Father Involvement in Urban Low-Income Fathers: Baseline Associations and Changes Resulting From Preventive Intervention” examines father involvement among ethnically diverse‚ low-income fathers. The goals of the research consist of filling the gaps of the literature‚ by studying a different population‚ and evaluating if whether attendance of workshops that
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debate. Although some scientists believe hydrogen fuel cells will improve the environment and rid the United States of their dependency upon other countries‚ others believe it will not benefit the economy but result in two giant steps back. While natural gas has had a direct negative effect on the Ozone Layer‚ scientists have found an element that allegedly causes no additional threat to global warming‚ hydrogen fuel cells. The negative effects that oil has had on the environment have been a major factor
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Ryanair’s Strategy Introduction Ryanair is an airline company‚ which is well known for its low cost airline service across Europe. Christy Ryan‚ Liam Lonergan and note Irish businessman‚ Tony Ryan‚ founded the company in 1985 in Ireland (with a share capital of only £1 and 25 employees according to Business-market.com). Ryanair was restructured in 1991 by Michael O’Leary. He reported revenues of €3‚629 Billion for the fiscal year of 2011‚ bringing profits of €374‚6 Million‚ leading Ryanair as on
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Basic Statistics on Indian Petroleum & Natural Gas 2010-11 Ministry of Petroleum & Natural Gas Government of India New Delhi (Economic Division) Government of India Ministry of Petroleum and atural Gas Economic Division Preface The “Basic Statistics on Indian Petroleum & atural Gas‚ 2010-11” is the sixteenth in a series that was first released in 1996. It is a skeletal forerunner of the detailed annual Statistics Bulletin published regularly after the end of the financial year
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process of drilling and injecting fluid into the ground at a high pressure in order to fracture shale rocks to relase the natural gas inside. Many believe that fracking should be banned due to the cancerous chemicals that are injected into the shale rocks‚ which contaminates the water that we drink and runs into our homes. In the U.S.‚ there are more than 500‚000 active natural gas wells. Each of these wells requires 400 tanker tucks in order to carry water as well as supplies to the site where fracking
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Corporate Strategy Analysis: A Resource Based View 3 Developing New Capabilities 5 I. Mergers and Acquisitions 6 II. Strategic Alliances 6 III. Incubating Capabilities 6 Current Strategies 7 International strategy-why did they fial? 8 Conclusion 9 Bibliography 11 Abstract Marks & Spencer Group is ranked 53 on the FTSE All-Share Index Ranking as at close on Tue‚ 4 December 2012. This essay explores how specific resources have influenced its strategies‚ and how
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physical activity has shown to affect low-income communities. According to Cadzow‚ Chambers‚ and Sandell (2015)‚ “low-income high school students lacked knowledge about fitness and nutrition‚ lack of sufficient time to meet state physical activity and physical education (PE) requirements‚ and lack of non-traditional motivating equipment and an aligned curriculum that supported PE standards.” The purpose of this case study is to create a program to give the low-income high school students a variety of
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