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“The back story on front page economics.” These accessible essays cover the basics of economic topics, with a separate version for use in the classroom. Special “Focus on Finance” essays cover personal finance.

Posted 2009-11-01

How Would Modern Macroeconomic Schools of Thought Respond to the Recent Economic Crisis?

by Michelle T. Armesto

What would some of the most famous economists, such as John Maynard Keynes, Milton Friedman, and Adam Smith, and their followers say about the current financial and economic crisis? The November 2009 newsletter essay by Michelle Armesto outlines their probable responses.
Posted 2009-10-01

Early Childhood Education

by Christopher J. Martinek

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.
Posted 2009-09-01

Retraining Displaced U.S. Workers

by Kristie M. Engemann

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.
Posted 2009-08-01

Education and Earnings

by Douglas C. Smith

According to the Bureau of Labor Statistics (BLS), achieving a higher level of education is one way to guard against unemployment and increase earnings: A 2008 report found that workers with a bachelor's degree earned 65 percent more than workers with only a high school diploma and nearly 130 percent more than workers without a high school diploma.
Posted 2009-05-01

A Crack in the Nest Egg: Are Americans Doing Enough to Save for Retirement?

by Christopher J. Martinek

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.
Posted 2009-04-01

What Does Foreclosure Entail?

by Yu Man Tam

The FDIC estimates that an additional 4 to 5 million mortgages could enter foreclosure over the next two years. How did this happen, and what can be done to improve the situation? The April 2009 Newsletter offers some insights and further resources on the foreclosure situation.
Posted 2009-03-01

What’s Under the TARP?

by Craig P. Aubuchon

The new economic terms and programs—from TARP to TALF to COP—are important, but trying to keep track of it all can make your head spin. Read the March 2009 Newsletter for a clear, concise explanation of the Treasury's Troubled Asset Relief Program designed to help alleviate the nation's financial crisis.
Posted 2009-02-01

What Is a Recession?

by Douglas C. Smith

The past year has seen much debate about whether the United States is officially in (or not in) a recession (it is). But just what is a recession? Who decides that fact and how? Or, in other words, what actually makes a recession a recession? Read the February 2009 Newsletter for all the details.
Posted 2009-01-01

Season’s Greetings and Seasonal Adjustments

by Charles S. Gascon

Have you every wondered what the term "seasonally adjusted" means in relation to economic data? What does the change of seasons have to do with economics? The January 2009 Newsletter explains the term and shows its effect on economic data.

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