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Author:Boshara, Ray 

After the fall : rebuilding family balance sheets, rebuilding the economy
Essay from the 2012 Annual Report.
AUTHORS: Emmons, William R.; Boshara, Ray
DATE: 2012

Journal Article
The Challenges and Promises of Rural America
A trip to a rural Minnesota town prompts an assessment of the issues?and innovations?that impact similar communities across the nation.
AUTHORS: Boshara, Ray
DATE: 2019-07

Journal Article
Does College Level the Playing Field?
The answer to this question may be ?No?; read about a research symposium and subsequent paper that explored the links between race and ethnicity, and education and wealth.
AUTHORS: Boshara, Ray; Ricketts, Lowell R.; Emmons, William R.
DATE: 2017-04

Journal Article
Thinking Big—And Thinking Small
Modest but scalable innovations can reshape economic opportunity for struggling Americans.
AUTHORS: Boshara, Ray
DATE: 2017-07

Journal Article
Understanding Banking from the Ground Up
Thoughts on banking, the unbanked and financial health after an event featuring Lisa Servon, author of The Unbanking of America: How the New Middle Class Survives.
AUTHORS: Boshara, Ray
DATE: 2017-10

Journal Article
Thanks, Dad: You Were Right about Saving and Paying Off Debt
Ray Boshara shares a lesson his father taught him about always having cash to fall back on. Recent research shows that his dad was right.
AUTHORS: Boshara, Ray
DATE: 2018-04

Journal Article
Thrivers and Strugglers: A Growing Economic Divide
Ray Boshara, director of the Center for Household Financial Stability at the St. Louis Fed, discusses research from the center suggesting that age/birth year, education and race/ethnicity increasingly matter for building wealth and financial security.
AUTHORS: Boshara, Ray
DATE: 2015-01

Periodic Essay
The Demographics of Wealth - How Age, Education and Race Separate Thrivers from Strugglers in Today's Economy. Essay No. 1: Race, Ethnicity and Wealth
This first essay in the "Demographics of Wealth" series examines the connection between race or ethnicity and wealth accumulation over the past quarter-century. As with subsequent essays, this one is the result of an analysis of data collected between 1989 and 2013 through the Federal Reserve's Survey of Consumer Finances. More than 40,000 heads of households were interviewed over those years.
AUTHORS: Noeth, Bryan J.; Emmons, William R.; Boshara, Ray
DATE: 2015

Periodic Essay
The Demographics of Wealth - How Age, Education and Race Separate Thrivers from Strugglers in Today's Economy. Essay No. 3: Age, Birth Year and Wealth
Although there may be downsides to old age, those 62 and older can take heart in knowing that the odds are in favor of their being wealthier than younger people. And the gap has widened considerably over the past quarter-century?in favor of old people. That said, being old isn?t what it used to be. Baby boomers, who are now retiring in droves, are likely to be less well-off than their ?old? counterparts in the two previous generations. And it looks as if members of the next two generations ? Generation X and Generation Y (the millennials) ? might also end up less wealthy than the generation before them.
AUTHORS: Boshara, Ray; Noeth, Bryan J.; Emmons, William R.
DATE: 2016

Periodic Essay
The Demographics of Wealth - How Age, Education and Race Separate Thrivers from Strugglers in Today's Economy. Essay No. 2: The Role of Education
New research by the Center for Household Financial Stability shows that there's a strong correlation between education and money. More of the former often leads to more of the latter. However, correlation is not causation?there is no guarantee that more education will lead to more wealth. Many other factors might be in play, such as natural ability, family environment, inheritances and even health. It's entirely possible that what's learned in the classroom has much less influence on lifetime earnings and wealth accumulation than most people believe. In fact, your ability, family background, inheritances or health might be responsible for some?perhaps a large part?of your success even if you hadn't received the education that you did.
AUTHORS: Noeth, Bryan J.; Boshara, Ray; Emmons, William R.
DATE: 2015



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