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An Analysis of the Distribution of Wealth Across Households, 1989-2010

Description: The distribution of wealth (net worth) across households has been an underlying consideration in congressional deliberations on various issues, including taxation and social welfare. This report analyzes the change over time in the concentration of net worth (assets minus liabilities) to help inform those policy deliberations.
Date: July 17, 2012
Creator: Levine, Linda
Partner: UNT Libraries Government Documents Department

The Fall and Rise of Household Saving

Description: This report begins by showing how the household saving rate has varied in recent years. Next, it explains how household saving is measured, and it provides some detail on how saving varies across the income distribution. Finally, it discusses factors that may account for the long decline in household saving, as well as prospects for its recovery.
Date: September 1, 2009
Creator: Cashell, Brian W.
Partner: UNT Libraries Government Documents Department

Analysis of Certain Wealth in Texas to Determine Possible Sources of Taxation for Educational Purposes

Description: This study revelaed that the rank of Texas with other state in the United States in the expenditure for schools per pupil is thrty-fifth. It further discussed that there are possible sources of taxation in the properties. However, there is a wide variation that needs to be studied. It further justify that present administrative and legislative trends in searching for new source of taxation makes the problem an important one.
Date: August 1937
Creator: Hedgpeth, Armo T.
Partner: UNT Libraries

Survey of Bookkeeping Systems Being Used in Sixty-Six Retail and Eight Wholesale Businesses of Denton, Texas, with Recommendations for Improvements

Description: This study aim to determine the bookkeeping systems in use in the retail and wholesale businesses in Denton, Texas, and to determine what improvements could be made in the bookkeeping systems of these businesses.
Date: June 1938
Creator: Brookshear, Garland R.
Partner: UNT Libraries

U.S. Household Savings for Retirement in 2010

Description: This report provides data on a variety of household wealth measures in 2010 from the Federal Reserve's triennial Survey of Consumer Finances. Although the amount of retirement assets is the primary focus of the report, other measures of wealth (such as the amount of total assets, financial assets, total debt, net worth, and housing equity) are also included.
Date: April 30, 2013
Creator: Topoleski, John J.
Partner: UNT Libraries Government Documents Department

Adam Smith Revisited

Description: This study represents an interpretation of Adam Smith's attitude toward a commercial society based upon natural liberty. In developing the thesis that the two works, The Theory of Moral Sentiments and Wealth of Nations, are logically consistent, it is necessary to establish the reason of reasons why Adam Smith embraced a commercial society based upon the "obvious and simple system of natural liberty." It will be established that he embraced such as system because it allowed the maximum accumulation of capital, which is the manifestation of being truly virtuous as developed in his Moral Sentiments. To go one step further, it will be seen that, so far as Smith is concerned, it is the rising bourgeoisie, the manufacturers and artificers, which is truly virtuous, i.e., accumulates capital.
Date: January 1967
Creator: Roden, Peyton Foster
Partner: UNT Libraries

Sovereign Wealth Funds: Laws Limiting Foreign Investment Affect Certain U.S. Assets and Agencies Have Various Enforcement Processes

Description: A letter report issued by the Government Accountability Office with an abstract that begins "Foreign investors in U.S. companies or assets include individuals, companies, and government entities. One type of foreign investor that has been increasingly active in world markets is sovereign wealth funds (SWF), government-controlled funds that seek to invest in other countries. As the activities of these funds have grown they have been praised as providing valuable capital to world markets, but questions have been raised about their lack of transparency and the potential impact of their investments on recipient countries. GAO's second report on SWFs reviews (1) U.S. laws that specifically affect foreign investment, including that by SWFs, in the United States and (2) processes agencies use to enforce them. GAO reviewed policy statements, treaties, and U.S. laws, and interviewed and obtained information from agencies responsible for enforcing these laws. GAO also interviewed legal experts and organizations that track state foreign investment issues."
Date: May 20, 2009
Creator: United States. Government Accountability Office.
Partner: UNT Libraries Government Documents Department

The Wealth Effect of the Risk-Based Capital Regulation on the Commercial Banking Industry

Description: The purpose of this study is to examine the wealth effect of the Risk-Based Capital (RBC) regulation on the U.S. commercial banking industry. The RBC plan was first proposed in January 1986, and its final form was announced on July 11, 1988. This plan resulted from dissatisfaction with the old capital regulation, which did not account for asset risk and off-balance sheet activities. The present study hypothesizes that the new regulation restricted bank optimal behavior and, therefore, adversely affected stock prices. The second and third hypotheses suggest that investors used company specific information, Net Tier 1 and Total risk-based capital ratios respectively, in valuing stocks of the affected bank holding companies. Hypotheses four and five suggest that abnormal returns are proportionally related to the levels of Net Tier 1 or Total RBC ratio. Both the traditional event study and the portfolio time-series regression, with RBC ratios (Net Tier 1 or Total) as the weight factors, are used in this study.
Date: August 1994
Creator: Zoubi, Marwan M. Sharif (Marwan Mohd Sharif)
Partner: UNT Libraries

Understanding Affluence through the Lens of Technology: An Ethnographic Study toward Building an Anthropology Practice in Advertising

Description: This thesis describes a pilot study for a new cultural anthropology initiative at Team One, a US-based premium and luxury brand advertising agency. In this study, I explore the role and meaning of technology among a population of affluent individuals in Southern California through diaries and ethnographic interviews conducted in their homes. Using schema theory and design anthropology to inform my theoretical approach, I discuss socioeconomic and cultural factors that shape these participants' notions of affluence and influence their presentation of self through an examination of their technology and proudest possessions. I put forward a theory of conspicuous achievement as a way to describe how the affluent use technology to espouse a merit-based model of affluence. Through this model of affluence, participants strive to align themselves to the virtuous middle-class while ascribing moral value to their consumption practices. Lastly, I provide a typology of meaningful technology artifacts in the affluent home that describes the roles of their most used tech devices and how each type supports conspicuous achievement.
Date: December 2017
Creator: Garcia, Steven R.
Partner: UNT Libraries

The Effects of the Recapture Provision of Senate Bill 7 of 1993 Upon the Quality of Schools: an Analysis of Perceptions of Administrators in Both Chapter 41 and Chapter 42 Schools.

Description: The purpose of this 4-case study was to determine the significance of the effects of the recapture legislation in Texas upon the quality of schools as perceived by administrators in participating school districts, including those surrendering funds (Chapter 41) and those receiving funds (Chapter 42). The recapture provision requires districts above a designated level of property wealth to surrender excess funds to be appropriated to districts with property wealth below a designated level. The study solicited administrators’ perceptions in both district types as to whether the changes in funding have significantly affected the quality of their schools. Using University Scholastic League classifications as a guideline for size, 2 Chapter 41 districts, and 2 Chapter 42 districts, 1 small and 1 large of each type, were selected to participate. Variables included 5 indicators of schools quality that are repeatedly mentioned in literature concerning effective schools: curriculum, climate, leadership, facilities, and safety and security. A review of literature included the historical development of public school finance systems as well as studies of the effects of efforts to equalize funding upon both the financial health and academic performance of schools. A weak link or no link between funding systems and student performance or financial health was indicated. This study supported these conclusions with both Chapter 42 districts; however, there was a discrepancy between the perceptions of administrators in the two Chapter 41 districts, indicating a need for further study. The unique aspects of this study are that it solicited directly the perceptions of acting administrators and that it included administrators in districts receiving funds to determine how those funds are being used and whether they have a significant effect upon school quality.
Date: August 2008
Creator: Warren, Susanne Steele
Partner: UNT Libraries

Sovereign Wealth Funds: Publicly Available Data on Sizes and Investments for Some Funds Are Limited

Description: A letter report issued by the Government Accountability Office with an abstract that begins "Sovereign wealth funds (SWF) are government-controlled funds that seek to invest in other countries. With new funds being created and many growing rapidly, some see these funds providing valuable capital to world markets, but others are concerned that the funds are not transparent and could be used to further national goals and potentially harm the countries where they invest. GAO plans to issue a series of reports on various aspects of SWFs. This first report analyzed (1) the availability of publicly reported data from SWFs and others on their sizes and holdings internationally, and (2) the availability of publicly reported data from the U.S. government and other sources on SWFs' U.S. investments. GAO reviewed foreign government disclosures, Department of the Treasury (Treasury) and Department of Commerce (Commerce) reporting, and private researcher data to identify SWFs and their activities. GAO also analyzed information from international organizations and securities filings. Treasury and Commerce commented that GAO's report provides timely and useful contributions to the SWF debate; SEC noted that U.S. securities requirements apply to all large investors, including SWFs. Future GAO reports will address laws affecting SWF investments, SWF governance practices, and the potential impact of SWFs and U.S. options for addressing them."
Date: September 9, 2008
Creator: United States. Government Accountability Office.
Partner: UNT Libraries Government Documents Department

Economics: From the Dismal Science to the Moral Science: The Moral Economics of Kendall P. Cochran

Description: Adam Smith published The Theory of Moral Sentiments in 1759 and established the ethical foundation for The Wealth of Nations (1776) as well as the important role played by custom and fashion in shaping behaviors and outcomes. Kendall P. Cochran believed in Smith’s emphasis on value-driven analysis and seeking solutions to major problems of the day. Cochran believed that economists moved too far in the direction of analysis free of words like ought and should and devoted his career to establishing that economics is a moral science. A recent study by two Harvard professors, Carmen Reinhart and Kenneth Rogoff, Growth in a Time of Debt (2010), asserted that healthy economic growth and high levels of government debt are incompatible. These conclusions are associated with the austerity movement, which calls for policymakers to reduce government spending in order to reduce the government’s debt and improve long-term growth prospects. The austerity movement has been used to justify the sharp decline in public sector employment that has restrained job growth since the recession of 2007. In 2013, a graduate student named Thomas Herndon discovered an error in the calculations of Reinhart and Rogoff, publishing his findings in a paper co-authored by his professors, called "Does High Public Debt Consistently Stifle Economic Growth? A Critique of Reinhart and Rogoff." These findings call the entire austerity movement into question, causing many to reconsider the current obsession with reducing the government debt during a time of economic stagnation. Cochran would have held a celebration to toast Herndon and his professors for their work, not only for the sake of technical accuracy, but also because the policy prescriptions associated with the austerity movement are misguided and harmful to the unemployed and underemployed during times of economic hardship. Cochran’s articles are significant at this time because he is ...
Date: January 2015
Creator: Cochran, Kendall P.
Partner: UNT Libraries

Wealth and Regime Formation: Social and Economic Origins of the Change Toward Democracy

Description: This study explores the relationship between economic development, social mobility, elites, and regime formation. I argue that the genesis of regime formation, in general, and of democratic regimes, in particular, is determined by the type of economic structure a society possesses, on the one hand, and on the degree the to which demands from disfranchised groups do or do not pose a substantial threat to the interests of elites who occupy the upper strata of the social and economic status hierarchy. Second I demonstrate that the dynamics of transition to wider political participation, as the core element of a democratic system of governance, and the survival of such change are different. In what follows I illustrate that some factors that have been found to dampen the chances for wider participation or have been found to be unrelated to onset of a democratic system of governance have considerable impacts on the durability of the democratic regimes. In a nutshell, the analysis points to the positive effects of mineral wealth and income inequality on the prospects of a democratic survival. Using a cross-national time series data set for all countries for the period between 1960 and 1999 I put the hypotheses to the test. I use binary logit, ordered logit, and ordinary least squares (OLS) to delineate the link between socioeconomic changes and the transition to wider participation. Survival analyses are employed to test for what factors account for the durability of a democratic regime.
Date: August 2007
Creator: Gurses, Mehmet
Partner: UNT Libraries