Making effective financial decisions and knowing how to manage money are skills critical to enjoying a secure financial future. Yet many individuals and families lack the knowledge necessary to make sound financial choices, as evidenced by falling savings rates, mounting consumer debt, and a growing dependence on alternative banking institutions.…

A working paper for the study on "The Education of Adults in New York in the Last Quarter of the Twentieth Century," the discussion is directed to the financing of lifelong learning. It examines the many facets of the question, "What is the 'case' for considering education for all adults a public good and, therefore, an appropriate…

Part of the study on "The Education of Adults in New York in the Last Quarter of the Twentieth Century," the paper presents one entitlement approach, in the form of an outline/analysis of a possible bill that might be developed, as an alternative to financing life-long learning. The paper is intended to stimulate further discussion of…