Product and waste take-back is becoming more regulated by countries to protect the environment. Such regulation puts an economic burden on firms, while creating fairness concerns and potentially even missing its primary target: environmental benefits. This research discusses the economic and environmental impacts of extended producer responsibility type of legislation and identifies efficiency conditions. It is shown that the right policy would (i) make producers responsible for their own waste to avoid fairness concerns and (ii) favor ecodesign producers to create stronger environmental benefits. Furthermore, the efficiency of take-back systems is also driven by environmental classification of products, industry structure, and end-user willingness to participate in take-back programs.
...: consumers, manufacturers, and a social planner (government). The sequence of events is as follows... (2006) points to a similar result in household waste collection in Europe. While the household wa... environmental burden as a cost to their budget, the situation is different. In this case the cons...
The Survey of Consumer Finances was used to assess the explanatory power of self-control mechanisms, controlling for other important constructs from the standard life cycle model of saving. The analysis focused on saving goals, foreseeable expenses, and saving rules as mechanisms of self-control. Household saving behavior was strongly affected by mechanisms that help households practice self-control. Households that had saving rules were much more likely to spend less than income than those that did not have saving rules. This positive effect occurs at low, moderate, and high levels of household income and financial assets. Financial planners can use this information to help client households build financial wealth. Financial counselors and financial educators can incorporate informatio...
... affects the households' preferences and budget constraint and thus is closely related to househol...
The authors consider a transitory demographic shock that affects negatively the financing of retirement pensions-that is, workers either would have to pay more or retirees would receive less. In contrast to the existing literature, the authors endogenously determine optimal policies rather than explore the implications of exogenous parametric responses. Their approach identifies optimal strategies of the Social Security Administration to guarantee the financial sustainability of existing retirement pensions in a Pareto-improving way. Hence, no cohort will pay the cost of the demographic shock. The authors find that the optimal strategy is based on the following ingredients: elimination of compulsory retirement, a change in the structure of labor income taxation, and a temporary increase...
... to balance the per-period government budget constraint. In contrast to both of them, we do not...Households. The economy is populated by a constant measure of...Therefore, under this new scenario the planner could decentralize a first-best allocation by stra...
...Specifically it has the Financial Planner - a learning tool used by the International Organi... this, OFWs are able to organize their budgets, goals, savings, and cash flows. The availability ...
The dominant model of regulation in the United States for consumer credit, insurance, and investment products is disclosure and unfettered choice. As these products have become more complex, consumers' inability to understand them has become increasingly apparent, and the consequences of this inability more dire. In response, policymakers have embraced financial-literacy education as a necessary corollary to the disclosure model of regulation. This education is widely believed to turn consumers into "responsible" and "empowered" market players, motivated and competent to make financial decisions that increase their own welfare. The vision created is of educated consumers handling their own credit, insurance, and retirement planning matters by confidently navigating the bountiful unrestr...
... become responsible workers, heads of households, investors, entrepreneurs, business leaders, and c...Becoming a Certified Financial Planner therefore requires a program of study that include... inertia to take its course (e.g., not budgeting, not signing up for a 401(k)), particular events c...
Capital income taxes are a salient feature in the taxation schemes of many modern countries, though countries make distinctions between capital gains and income earned by capital. Most countries include rents received on capital in the income calculation for each taxpayer. For the purposes of this article, the authors think of restrictions on sovereign lending as a way of getting rid of extreme taxation policies in the short run. More generally, gaining a better understanding of institutional or agency constraints that endogenously limit the kinds of contracts the government can write with households seems central in generating optimal fiscal policies that more closely resemble those observed in practice. The authors interpret their findings to suggest that a better understanding of ins...
...At each date, the government's budget constraint is given by. .. (5). where r^sub t^ and...The problem faced by this benevolent planner is to maximize (1) subject to the constraints (5) ...
By Jessica Guynn Los Angeles Times
... economic outlook is gloomy and their household budget is strained, relying on a single income froom Phil's job as a project planner with San Diego Gas & Electric Co. So they have dec...
I am a 51-year-old widow of eight years with three children, ages 9, 11 and 15. I earn only about $3,000 per month and my children receive a total of $2,100 per month in Social Security benefits. I have owned my home for six years and currently have a 30- year fixed-rate mortgage at 5.375 percent interest. My monthly payment is $1,279 including $67 in private mortgage insurance plus $217 for escrowed property taxes and insurance. I have $16,000 in credit card debt at 8 to 10 percent interest, mostly for home improvements and medical expenses, and $125,000 in an IRA. My FICO score is 779. I recently met with a financial advisor/college planner who recommends I refinance with a 20-year, fixed-rate, interest-only mortgage at 6.75 percent interest. My new payment would be $1,317 includin...
'Tis the season for bridal shows where brides-to-be prepare for the wedding day of their dreams. A well-respected marriage and family therapist once told me she is amazed people invest so much time and effort into preparing for major events, stages and transitions in their lives, such as a wedding, career, hobby, childbirth and even death. It seems, however, that fewer people dedicate as much time and effort to prepare for married life beyond the wedding itself - and it appears they prepare even less for remarried life.
... and your fiancee to talk to a financial planner about a household budget, investment strategy and ...
On Bravo's "Pregnant in Heels," maternity concierge Rosie Pope helps her uptight clients select baby names and takes moms who are turned off by breast-feeding to lactation education classes. While her clients' demands, and her own approach, are extreme enough to warrant their own show and a "Saturday Night Live" skit, there's a real and growing baby planning industry, and it's not just for wealthy people starring on reality television. My clients are not like [those in] 'Pregnant in Heels,' " says Ingrid Prueher, baby planner and founder of SavvyMomOnCallBabyPlanner.com, based in Fairfield, Conn. Her services start at $15 for e-mail consultations, and she offers free how-to videos on her website for people who can't afford one-on-one help. Most soon-to-be moms (and dads)...
... expert Robin Elise Weiss says moms on a budget can usually find free assistance through their lo... find it difficult to do their routine household tasks, from getting a car inspection to arranging...
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