With public pensions under pressure and private pensions exposed to risk, individuals face an increasing variety of financial risks, particularly those linked to their retirement. This book analyzes the level of risk awareness of consumers and highlights good practices governments might initiate to enhance consumers' awareness and education on…

As firms switch from defined-benefit plans to defined-contribution plans, employees bear more responsibility for making decisions about how much to save. The employees who fail to join the plan or who participate at a very low level appear to be saving at less than the predicted life cycle savings rates. Behavioral explanations for this behavior…

Providing the essential care for children and aged relatives has immediate and long-term financial consequences for women, particularly financial insecurity in retirement. Women's caregiving careers are examined in relationship to the impact on retirement. The need for career and retirement education and counseling aimed at women who assume…

Defined Benefit pension plans often generate odd time patterns of benefits. One typical pattern exhibits low accrual in early years, accelerating in mid-late years, followed by dramatic decline, or even negative returns in years that are relatively young for retirement. We consider four states for specific analysis: Arkansas, Missouri, California…

As conceived by the Council for Adult and Experiential Learning (CAEL), Lifelong Learning Accounts (LiLAs[SM]) are employer-matched, portable individual accounts used to finance employee education and training. They provide employees with an affordable means of upgrading their skills and knowledge, while helping to meet the needs of employers and…

The educational movements that have been taking place in Great Britain during the past two or three years have aroused widespread interest among teachers and publicists in this country. This report is an attempt to analyze these movements and to indicate their significance in the broader movement for reconstruction. The educational reforms that…

During the biennium 1926-1928 approximately 1,200 educational acts of general application were passed in the continental United States. The outstanding general feature is the increased tendency to employ educational surveys and state-wide investigations as bases for educational legislation. In recent years legislatures and school officials have…

The activities of the educational boards and foundations of the United States from July 1, 1918, to June 30, 1920, were varied and interesting. A number of important studies and surveys were made that throw light on educational problems of the highest importance to the Nation and State, which are briefly set forth in this bulletin. The following…

The bibliography of education for 1909-10, as was its immediate predecessor in the series, has been compiled in the library division of the Bureau of Education, which has been aided, in completing the principal sections of the list, by criticisms and additions furnished by prominent educational specialists. In addition to these collaborators in…

In 1932 the Office of Education published a bibliography on educational finance as one of the reports of the National Survey of School Finance (Bibliography on Educational Finance, 1923-31, U. S. Office of Education Bulletin 1932, No. 15). This bulletin contains a classified and annotated list of reports and studies published since that time, to…