1 |
Carroll, C. D., & Samwick, A. A. (1998). How important is precautionary saving? Review of Economics and Statistics, 80, 410-419
|
2 |
Deaton, A. (1991). Saving and liquidity constraints. Econometrica, LIX, 1221-48
|
3 |
Ding, L, & DeVaney, S. A. (2000). Predictors of emergency funds adequacy. In J. E. Morris & C. R. Hayhoe (Eds.), Proceedings of Association for Financial Counseling and Planning Education, 56-63
|
4 |
Engen, E. M.,& Gruber, J. (1998). Unemployment insurance and precautionary saving. NBER Working paper5252, Retrieved January 26, 2002, from http://econ-www.mit.edu/faculty/grubej/files/uisave2.pdf
|
5 |
Garman, T. E., & Forgue, R. E. (1997). Personal finance. New York: Houghton Mifflin Company
|
6 |
Lohr, S. (1996, December 29). Though upbeat on the economy, people still fear for their jobs. The New York Times, Retrieved March 26, 2002, from http://www.nytimes.com/specials/downsize/ 122 gecon-i 0 bsuncertain.html
|
7 |
Sloan, A. (1998, December 14). A real lump of coal: Cost-cutting companies hand out pink slips. Newsweek, 50
|
8 |
Walsh, D. (1999). Jobs cut, as economic insecurity of US workers rises. World socialist web site. Retrieved February 18, 2002, from http://www.wsws.orgfarticles/1999/feb1999/jobs-f20.shtml
|
9 |
Welch, .J. R (2001). Finding gold in pink slips. Financial Planning, April, 89-91
|
10 |
Wooldridge, J. M.(2000). Introductory Econometrics: A modern approach. South-Western College Publishing
|
11 |
Skinner, J. (1988). Risky income, life-cycle consumption and precautionary savings. Journal of Monetary Economics, 22, 237-255
DOI
ScienceOn
|
12 |
Chang, R. Y., Hanna, S., & Fan, J X. (1997). Emergency fund levels: Is household behavior rational? Financial Counseling and Planning, 8(1),47-55
|
13 |
Pennar, K., Garland, S. R, & Roberts, E. (1996, November 3). Economic anxiety. Retrieved March 26, 2002, from http://www.businessweek.com/1996/11/b34661.htm
|
14 |
Popper, M. (2001, December 3). A 'jobless recovery' just ahead? Business Week, 44
|
15 |
Haley, J. D., & Rejda, G. E. (2001). Measuring the causes of economic insecurity: Construction of a composite index. Journal of Financial Service Professionals, May, 103-115
|
16 |
Hatcher, C. B. (2000). Should households establish emergency funds? Financial Counseling and Planning, 11(2), 77-83
|
17 |
Neter, J.,Wasserman, W., & Kutner, M. H. (1985). Applied linear statistical models. Homewood, IL: Irwin, Inc
|
18 |
Shefrin, H., & Thaler, R. (1988). The behavioral life-cycle hypothesis. Economic Inquiry, 26, 609-643
|
19 |
Kimball, M. S. (1990). Precautionary saving in the small and in the large. Econometrica, 58(1), 53-73
DOI
ScienceOn
|
20 |
Johnson, D. P., & Widdows, R. (1985). Emergency fund levels of households. In K. P. Schnittgrund (Ed.), Proceedings of American Council on Consumer Interests, 235-241
|
21 |
SAS OnlineDoc. (1999).The AUTOREG procedure. Retrieved January 5, 2003, from http://v8doc.sas.com/sashtml/
|
22 |
Blau, F. D., Ferber, M. A., & Winkler, A. E. (1998). The economics of women, men, and work. Upper Saddle River, NJ: Prentice Hall, Inc
|
23 |
Carroll, C. D. (1991). Buffer stock saving and the permanent income hypothesis. Board of Governors of the Federal Reserve System, mimeo
|
24 |
Zeldes, S. P. (1989). Optimal consumption with stochastic income: Deviations from certainty equivalence. The Quarterly Journal of Economics, 104(2), 275-298
DOI
ScienceOn
|
25 |
Browning, M., & Lusardi, A. (1996). Household saving: Micro theories and micro facts. Journal of Economic Literature, 34(4), 1797-1855
|
26 |
Forcardi, S.,& Jonas, C. (1998). Risk Management: Framework, methods, and practice. NJ: Industrial Relations Section, Princeton University
|
27 |
Caballero, R. J. (1991). Eamings uncertainty and aggregate wealth accumulation. The American Economic Review, 81(4), 859-871
|
28 |
Farber, H. S. (1996). The changing face of job loss in the United States, 1981-1993. Working Paper No. 360, NJ: Industrial Relations Section, Princeton University
|
29 |
Lusardi, A. (1997). Precautionary saving and subjective earnings variance. Economic Letters, 57, 319-326
DOI
ScienceOn
|
30 |
Xiao,J. J.,& Anderson, J. G. (1997). Hierarchical financial needs reflected by household financial asset shares. Journal of Family and Economic Issues, 18(4), 333-355
DOI
ScienceOn
|
31 |
Carroll, C. D.,Dynan, K. E.,& Krane, S. D. (1999). Unemployment risk and precautionary wealth: Evidence from households' balance sheets. Working paper, Retrieved January 25,2002, from http://www.econ.jhu.edu/papers/Carroll/unempl.pdf
|
32 |
Chen,C, & DeVaney, S. A. (2001). The effect of life cycle stages and saving motives on the probability of emergency fund adequacy. In J. M. Hogarth (Ed.), Proceedings of the Association for Financial Counseling and Planning Education, 176-185
|
33 |
Daly, M. C., & Duncan, G. J. (1997). Earnings mobility and instability, 1969-1995. Working paper, Federal Reserve Bank of San Francisco. Retrieved February 13, 2002, from http://www.frbsf.orgeconrsrch/workingp/wp97-12.pdf
|
34 |
Lusardi, A. (2000). Precautionary saving and the accumulation of wealth. Retrieved November 10, 2001, from http://www.harrisschool.uchicago.edu/pdflwp_00_12.pdf
|
35 |
Deaton, A. (1992). Understanding consumption. New York: Oxford University Press, Inc
|
36 |
Dominitz, J, & Manski, C. F. (1996). Perceptions of economic insecurity: Evidence from the Survey of Economic Expectations. NBER Working Paper 5690, National Bureau of Economic Research, Cambridge, MA.
|
37 |
Marcotte, D. E. (1994). Evidence of a decline in the stability of employment in the U.S.:1976-1988. DeKalb, IL: Center for Governmental Studies, Northern Illinois University
|
38 |
Vaughan, E. J. (1997). Risk management. New York: John Wiley & Sons, Inc
|
39 |
Huston, S. J., & Chang, R.Y. (1997). Adequate emergency fund holdings and household type. Financial Counseling and Planning, 8(1), 37-46
|
40 |
Leland, H. (1968). Saving and uncertainty: The precautionary demand for saving. Quarterly Journal of Economics, LXXX(3), 465-473
|
41 |
Guiso, L., Jappelli, T., & Terlizzese, D. (1992). Earnings uncertainty and precautionary saving. Journal of Monetary Economics, 30 (November), 307-337
|
42 |
Kazarosian, M. (1997). Precautionary savings-A panelstudy. The Review of Economics and Statistis, 79, 241-247
DOI
ScienceOn
|