Recently added articles from Financial Services Review:
From the Editor
Dec 01, 2008; ... 1. Introduction This issue completes Volume 17 of Financial Services Review (FSR). For this volume, I accepted 12 articles out of 65 submissions and Conrad completed resubmissions of five articles from 2007. This results in an acceptance rate of 18% for articles submitted in 2008. These ...
The market for retail certificates of deposit: Explaining interest rates
Dec 01, 2008; ... Abstract Retail certificates of deposit provide financial institutions with funds and depositors with income. Because interest rates and terms on deposits vary, understanding the reasons for the variation should help participants in this market make better decisions. This study explores ...
Disability income insurance premiums: An investigation of the decision to pre-tax or post-tax the premiums
Dec 01, 2008; ... Abstract Individuals who pre-tax their disability insurance premiums must pay tax on any disability benefits they receive. However, individuals who pay for the insurance with after tax dollars may exclude the benefits from their taxable income. In this paper, we investigate whether the ...
Social security: Who wants private accounts?
Dec 01, 2008; ... Abstract Preference for partial privatization of social security is explored using a 2004 sample of 7,565 young baby boomers. Two-thirds of the sample would choose partial privatization. Although a greater proportion of higher-income, wealthier, and more educated respondents preferred ...
Harvesting capital gains and losses
Dec 01, 2008; ... Abstract Monte Carlo simulations are used to demonstrate that a very attractive tax-based trading strategy is to realize all capital losses, using excess losses to offset realized gains to rebalance the portfolio. This strategy increases the mean and median return by taking advantage of ...
Retirement plans for college faculty at public institutions
Dec 01, 2008; ... Abstract This study provides a base line cross sectional analysis of defined benefit (DB) and defined contribution (DC) retirement plans based on the largest four-year public institutions of higher education in each of the 50 states. The focus is on types of plans that are being offered ...