Download or read book Were Small Town New Yorkers Life Cycle Savers written by Howard Bodenhorn and published by . This book was released on 2021 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Theories of household saving, including the life cycle hypothesis, posit that households add or draw down wealth to equalize the value of consumption over time. This article examines the extent to which late-nineteenth-century, small-town Americans accumulated financial assets consistent with the life cycle hypothesis. Using individual account records from a small-town savings banks, I find that savers accumulated an average of one year's income at age sixty. Decumulation was slower than expected after age sixty. The evidence is inconsistent with a strong bequest motive, so the slow drawing down of wealth in old age may have been due to uncertain mortality risk or wealth-based attrition from the sample. I find differences in the life cycle accumulations between men and women, the native- and foreign-born, and low-skill and high-skill workers.
Download or read book Were Late Nineteenth Century Small Town Americans Life Cycle Savers written by Howard Bodenhorn and published by . This book was released on 2021 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Although the mobilization of savings is an important function of banks and other financial institutions, there is remarkably little evidence that bears on how and how well the financial sector mobilized household savings in the nineteenth and early twentieth century. This paper documents financial wealth accumulated by working-class Americans to see whether their behaviors followed the predictions of the life-cycle hypothesis. Hand-coded data from an Upstate New York savings bank matched to federal and state census data provides longitudinal data on individual savers between 20 and 90 years old. Fixed effects estimates on an unbalanced panel generates results that are consistent with the life-cycle hypothesis. Wealth-at-age profiles exhibit the classic hump shape, with peak wealth occurring in savers' mid-sixties. At peak wealth, mean and median savers accumulated the equivalent of about one year's income for a working-class man. Wealth declines with the number of children present in the household. Moreover, the native- and the foreign-born, and individuals born into different cohorts all accumulated wealth in a fashion consistent with the hypothesis' predictions.
Download or read book The Encyclopedia of New York State written by Peter Eisenstadt and published by Syracuse University Press. This book was released on 2005-05-19 with total page 1960 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Encyclopedia of New York State is one of the most complete works on the Empire State to be published in a half-century. In nearly 2,000 pages and 4,000 signed entries, this single volume captures the impressive complexity of New York State as a historic crossroads of people and ideas, as a cradle of abolitionism and feminism, and as an apex of modern urban, suburban, and rural life. The Encyclopedia is packed with fascinating details from fields ranging from sociology and geography to history. Did you know that Manhattan's Lower East Side was once the most populated neighborhood in the world, but Hamilton County in the Adirondacks is the least densely populated county east of the Mississippi; New York is the only state to border both the Great Lakes and the Atlantic Ocean; the Erie Canal opened New York City to rich farmland upstate . . . and to the west. Entries by experts chronicle New York's varied areas, politics, and persuasions with a cornucopia of subjects from environmentalism to higher education to railroads, weaving the state's diverse regions and peoples into one idea of New York State. Lavishly illustrated with 500 photographs and figures, 120 maps, and 140 tables, the Encyclopedia is key to understanding the state's past, present, and future. It is a crucial reference for students, teachers, historians, and business people, for New Yorkers of all persuasions, and for anyone interested in finding out more about New York State.
Download or read book Moore s Rural New Yorker written by and published by . This book was released on 1894 with total page 850 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Way We Never Were written by Stephanie Coontz and published by Basic Books. This book was released on 2016-03-29 with total page 361 pages. Available in PDF, EPUB and Kindle. Book excerpt: The definitive edition of the classic, myth-shattering history of the American family Leave It to Beaver was not a documentary, a man's home has never been his castle, the "male breadwinner marriage" is the least traditional family in history, and rape and sexual assault were far higher in the 1970s than they are today. In The Way We Never Were, acclaimed historian Stephanie Coontz examines two centuries of the American family, sweeping away misconceptions about the past that cloud current debates about domestic life. The 1950s do not present a workable model of how to conduct our personal lives today, Coontz argues, and neither does any other era from our cultural past. This revised edition includes a new introduction and epilogue, exploring how the clash between growing gender equality and rising economic inequality is reshaping family life, marriage, and male-female relationships in our modern era. More relevant than ever, The Way We Never Were is a potent corrective to dangerous nostalgia for an American tradition that never really existed.
Download or read book History Between the Lines written by Caperton Tissot and published by History between the Lines,. This book was released on 2007 with total page 420 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Advertising Selling written by and published by . This book was released on 1919 with total page 1502 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Advertising and Selling written by and published by . This book was released on 1919 with total page 1492 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Greater New York written by and published by . This book was released on 1917 with total page 1016 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Andy Rooney written by Charlie Charlie and published by ReadHowYouWant.com. This book was released on 2010-10 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: Chairs. Neat people. Ugliness. War. Over six decades of intrepid reporting and elegant essays, Andy Rooney has proven a shrewd cultural analyst - unafraid to question the sometimes ridiculous, often surprising facts of our lives. Rooney's great gift is telling it straight, without a hint of sugar coating, but with more than a grain of truth and humor. His take on America? ''It's just amazing how long this country has been going to hell without ever having got there.'' On food? ''there's more dependable mediocrity than there used to be.''
Download or read book Commerce Today written by and published by . This book was released on 1974 with total page 1138 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Public Opinion written by and published by . This book was released on 1904 with total page 842 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Phantom of Fear written by Robert Lynn Fuller and published by McFarland. This book was released on 2014-01-10 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: In March 1933, in one of his first acts as president, Franklin Delano Roosevelt declared a bank holiday throughout the United States. Considered by many to be a bold step to curb the mounting bank crisis, the decree closed banks in all 48 states and overseas territories, putting money out of reach of citizens, businesses and all levels of government. This narrative history recounts and explains the economic, financial and political backgrounds of the banking panic, arguing that the holiday was not only unnecessary but actually damaging to the economy. The holiday did, however, provide Roosevelt with the momentum to push through a series of historic reforms that remade the federal government. This revisionist work not only reveals the circumstances around the panic but debunks numerous myths that have clung to it ever since.
Download or read book LIFE written by and published by . This book was released on 1940-09-02 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt: LIFE Magazine is the treasured photographic magazine that chronicled the 20th Century. It now lives on at LIFE.com, the largest, most amazing collection of professional photography on the internet. Users can browse, search and view photos of today’s people and events. They have free access to share, print and post images for personal use.
Download or read book Fourth Estate written by and published by . This book was released on 1925 with total page 1294 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book New York City Mutual Savings Banks 1819 1861 written by Alan L. Olmstead and published by UNC Press Books. This book was released on 2018-07-25 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: These institutions were founded ostensibly for philanthropic purposes--to encourage and reward thrift on the part of society's lower classes. For purposes of analysis, Olmstead formulates an alternative hypothesis. Men organized mutuals for the same reason that impelled their other business ventures--the hope of profit. The author focuses on the internal operations of several banks and the important role they played in financing antebellum development. A UNC Press Enduring Edition -- UNC Press Enduring Editions use the latest in digital technology to make available again books from our distinguished backlist that were previously out of print. These editions are published unaltered from the original, and are presented in affordable paperback formats, bringing readers both historical and cultural value.
Download or read book Product Placement in Hollywood Films written by Kerry Segrave and published by McFarland. This book was released on 2014-11-18 with total page 254 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the history of advertising in motion pictures from the slide ads of the 1890s to the common practice of product placement in the present. Initially, product placement was seen as a somewhat sleazy practice and also faced opposition from the film industry itself; it has grown dramatically in the past 25 years. From Maillard's Chocolates advertising with a shot of Cardinal Richelieu enjoying a hot cup of cocoa in 1895, to product placements in 2002's Minority Report, for which advertisers were rumored to have paid $25 million, this book explores the developing union of corporate America and Hollywood. This work addresses such topics as television's conditioning of filmgoers to accept commercials, companies' donation of props, the debate about advertising such activities as smoking and drinking in films, and "product displacement," or demands by companies to keep their products absent from unpopular or controversial films. Film stills and a bibliography complete the book.
