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The Record, Hackensack, N.J., Personal Finance Column.
Byline: Kathleen Lynn
Apr. 21--TURNING PROCRASTINATION INTO A POSITIVE: If you're the type of person who plans to start a diet or get your finances in order -- but not just yet -- a couple of economics professors have an idea for you.
The professors, Richard Thaler of the University of Chicago and Shlomo Benartzi of UCLA, call their proposal the SMarT plan -- an acronym, more or less, for Save More Tomorrow.
They hope SMarT will help close the retirement savings gap for the average American worker, who now saves less than half of what is needed for old age.
Under SMarT, workers pledge part of their future paychecks toward retirement saving. Typically, workers agree to bump their savings rate by one, two, or three percentage points once a year, or every time they get a raise, until they get to 10 percent or higher.
"We make it as easy as possible for people to do what they know they need to do," Thaler said in a recent interview.
In short, they turn the human tendency toward procrastination and inertia into a force for good.
- The trouble with the SMART plan proposal
- Magazine article from: Pensions & Investments Khan, Amru July 13, 1998 700+ words
...Indeed, legislation embodied in the SMART plan is too complex for most small employers...s resources. Contributions under the SMART plan are funded solely by the employer. SMART...LEGAL LIABILITIES President Clinton's SMART plan raises significant issues of legal liability...
- Smart plan
- Newspaper article from: Concord Monitor October 9, 2009 700+ words
The letter about how to solve the problems with the parking garage and Franklin Pierce Law Center parking ("Trolley solution," Lucinda Niles, Oct. 4) is the most intelligent piece I have read in the Monitor in ages. I don't know Niles, but she has to be one smart lady. Someone has to take hold and
- Smart plan for Scots firms.(News)
- Newspaper article from: Daily Record (Glasgow, Scotland) January 31, 2001 700+ words
ENTERPRISE Minister Wendy Alexander has launched a three-year plan to help Scots businesses win a larger slice of world markets and build a "smart, successful Scotland". Rather than attracting inward investment, she said the main priority now must be ensuring Scotland makes full use of emerging
- Smart Plan to Save Marriages.(a church oriented plan to help newly weds)
- Magazine article from: Insight on the News Howd, Aimee March 29, 1999 700+ words
...years. The rate of cohabitation is up 700 percent since 1970, as a divorce-shy generation...marriage increase their odds of divorce by 50 percent. In fact, fewer people than ever bother...women. "All of this in a nation where 74 percent of marriages still occur in church...
- Studying smart: Plan, don't cram for exams, experts say.
- Newspaper article from: Chattanooga Times/Free Press (Chattanooga, TN) April 30, 2006 700+ words
Byline: Chloe Morrison Apr. 30--For college students, each semester concludes with exams. Final grades and sometimes graduation hang in the balance of a few important tests. "With college, a big portion of your final grade comes down to a (final) test," said Brad Voyles, dean of students at
- Travel Smart, Plan Ahead for Holiday Air Travel.
- Press release article from: PR Newswire November 22, 1999 700+ words
MINNEAPOLIS/ST. PAUL, Minn., Nov. 22 /PRNewswire/ -- The Metropolitan Airports Commission (MAC) advises travelers using the Minneapolis-St. Paul International Airport (MSP) during the November and December holidays to plan ahead and allow extra time to make holiday travel less stressful. The
- Bryant 's Smart plan for new home buyers.(News)
- Newspaper article from: South Wales Echo (Cardiff, Wales) March 21, 2002 700+ words
BRYANT Homes has just launched a new scheme, which promises to make the homes at its popular Parkside development in Whitchurch even more convenient for travelling to Cardiff City centre. The housebuilder has teamed up with the Mercedes-Benz dealership, SG Cardiff at Pentwyn, and launched the Smart
- Preventing pregnancy; A smart plan from Jesse the visionary.(NEWS)
- Newspaper article from: Star Tribune (Minneapolis, MN) March 1, 2001 700+ words
...miracles at the moment. Births to Minnesota teens jumped 80 percent between 1980 and 1996, and birth rates for the state's African...fared dreadfully in the rate of repeat teen pregnancies - 29 percent, one of the worst in the country. What will it take to roll...
