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Keywords:Savings accounts 

Journal Article
Using financial innovation to support savers: from coercion to excitement
The simplest ideas for helping Americans save may be the most powerful. One process innovation would allow workers once again to purchase U.S. Savings Bonds on their tax returns. An example of a product innovation is a savings account tied to winning a prize.
AUTHORS: Tufano, Peter; Schneider, Daniel
DATE: 2009

Journal Article
Time deposits in monetary analysis
AUTHORS: Gramley, Lyle E.; Chase, Samuel B.
DATE: 1965

Journal Article
Savings account usage by low- and moderate-income people in the Chicago Metropolitan Area
Holding a savings vehicle with mainstream financial institutions carries several benefits including asset building opportunities, secure storage of income, a cushion against unforeseen financial events and the ability to establish or maintain a positive credit history. To better understand the demand for savings products among low- and moderate-income (LMI) people, the Federal Reserve Bank of Chicago sponsored a series of savings behavior questions in the 2001-2002 Metro Chicago Information Center?s annual household survey. Our findings offer evidence that lower-resource consumers accumulate savings, identify specific savings goals and add to their savings on a regular basis. As such, they demonstrate demand for savings products. We also observe that relative to moderate-income respondents, the lowest-income respondents are less likely to hold savings accounts and to identify a savings goal.
AUTHORS: Newberger, Robin G.
DATE: 2004

Journal Article
Childhood savings and college success
As the cost of postsecondary education continues to rise, many families, especially low-income families, are concerned about their ability to pay. A variety of initiatives are making it easier to start saving early.
AUTHORS: Lin, Cathy
DATE: 2013

Journal Article
Kids Bank encourages early saving in Fort Worth
A unique partnership between Unity One Federal Credit Union and Fort Worth's Washington Heights Elementary School created a "Kids Bank" that encourages savings and teaches children valuable financial skills that will benefit them for a lifetime.
AUTHORS: Office, Community Affairs
DATE: 2006

Journal Article
Measuring IDA program's impact
Since 2007, the state of New Mexico has invested $2.45 million to support Individual Development Accounts (IDAs) for New Mexico savers. This funding provides a much-needed local match required by federal IDA funding, which was awarded through the Assets for Independence Act.
AUTHORS: Office, Community Affairs
DATE: 2010

Working Paper
Nonreporting of savings accounts in sample savings: causes and correlates
AUTHORS: Rolnick, Arthur J.; Maynes, E. Scott
DATE: 1975

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