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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.
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...will own a minority stake, or 44.4 percent, with the majority owned by the Advanced...shares, which will give Mubadala a 19.3 percent stake in the company, if all of the...following the implementation of the Asset Smart plan," John Spooner, an analyst at Technology...
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- News wire article from: Europe Intelligence Wire May 17, 2003 700+ words
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