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Series:Liber8 Economic Information Newsletter  Bank:Federal Reserve Bank of St. Louis 

Patents: protecting inventors and the public good
Patent rights are becoming increasingly controversial in areas such as pharmaceuticals and genetics. Should the public good come before the private gain of new product inventors or developers? The May 2010 Newsletter tackles this issue.
AUTHORS: Ott, Lesli S.
DATE: 2010-05

Retraining displaced U.S. workers
When the current U.S. recession ends and recovery begins, many pre-recession jobs, such as some in financial services and the automobile industry, will not return. So what are the options if jobs in your chosen industry no longer exist? The September 2009 Newsletter focuses on job retraining programs and lists some areas of projected job growth for the near future.
AUTHORS: Engemann, Kristie M.
DATE: 2009-09

State pension plans in peril: the need for reform
State and local government employees have long enjoyed the perk of a guaranteed pension in retirement, but that may no longer be the case ? because of the recent recession, state budgets are in trouble. Many states have under-funded their pension plans to pay current expenses, and many pension plans have also incurred huge investment losses due to the financial crisis. How can states remedy this problem? The September 2010 Newsletter, "State Pension Plans in Peril: The Need for Reform," offers possible solutions.
AUTHORS: Ricketts, Lowell R.
DATE: 2010-09

Fiscal and monetary policy in times of crisis
To find out more about fiscal and monetary policy? who conducts them, how they work, and their roles during economic downturns? read this month's newsletter.
AUTHORS: Liborio, Constanza S.
DATE: 2011-03

A new trend for U.S. household spending
Holiday sales are expected to be weak again this year even though the economy and financial markets are improving. Shoppers are especially reluctant to use credit cards for holiday purchases. According to the National Retail Federation's 2009 Consumer Intentions and Action Survey, only 28.3 percent of holiday shoppers will use credit cards; this is 10.6 percent lower than one year ago. Why are shoppers so hesitant to use their credit cards this year? Many factors are involved. Read the January 2010 Newsletter for the answers.
AUTHORS: Liu, Yang
DATE: 2010-01

A crack in the nest egg: are Americans doing enough to save for retirement?
Before the current recession, soaring stock prices and housing values made many Americans feel well off, and thus many were lax in saving for retirement. The current financial market downturn has erased much of the previous gains, leaving many workers unprepared for retirement.
AUTHORS: Martinek, Christopher J.
DATE: 2009-05

Big-box retail and its impact on local communities
What is the local impact of big-box retail? Some states have begun to reconsider whether the benefits of such development are worth the costs to local communities.
AUTHORS: Ott, Lesli S.
DATE: 2008-01

U.S. health care insurance and the uninsured
With continuing increases in both health care spending and the number of Americans who are uninsured, everyone seems to have an opinion on how to rein in costs and provide better coverage. This month's Newsletter offers an overview of why costs are so high and what can be done to improve the situation.
AUTHORS: Weinberger, Ariel
DATE: 2008-11

Baby boomer retirement
Over the course of the next two decades, an average of 10,000 baby boomers per day will reach retirement age. Their retirement will cause a surge in federal spending. This month's Newsletter shows how the retirement of the baby boomers will affect government programs such as Social Security and Medicare and the federal budget.>
AUTHORS: Martinek, Christopher J.
DATE: 2008-03

Early childhood education
Which public investment offers greater returns?a subsidy for a sports stadium or early childhood education? It might surprise some, but the answer is an investment in early childhood education. A research study from the Federal Reserve found a 16 percent return on such an investment, with 80 percent of the return going to the general public. The October 2009 Newsletter explains the lifelong benefits of early childhood education.
AUTHORS: Martinek, Christopher J.
DATE: 2009-10




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