SAVING INCENTIVES FOR LOW- AND MIDDLE-INCOME FAMILIES: EVIDENCE FROM A FIELD EXPERIMENT WITH H&R BLOCK* ESTHER DUFLO WILLIAM GALE JEFFREY LIEBMAN PETER ORSZAG EMMANUEL SAEZ We analyze a randomized experiment in which 14‚000 tax filers in H&R Block offices in St. Louis received matches of zero‚ 20 percent‚ or 50 percent of IRA contributions. Take-up rates were 3 percent‚ 8 percent‚ and 14 percent‚ respectively. Among contributors‚ contributions‚ excluding the match‚ averaged $765 in the control group
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Outline:- 1. Jordan’s History * Country * Society 2. Economy * GDP * Budget * Development Planning 3. Government and Politics * The Constitution * The King * The Government 5. Foreign Trade Policy * Relations with major Countries. * Jordan and Arab Countries. * Jordan and its relations with WTO. * Jordan partnering with OIC ( Organization Of Islamic Conference). * Jordan’s Free Trade Agreements with various associations and countries. 7
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(TWO CHARTS BELOW) What is the general climate in the country toward FDI? China engrossed USD 124 billion in foreign direct investment (FDI) in 2011‚ second only to the United States. China’s high economic growth rate and the expansion of its domestic market help explain its optimism as an FDI destination; but foreign investors have concerns regarding potential investment returns with uncertainty about China’s willingness to offer a level playing field to domestic competitors. China has a legal
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and get around it. You’ve got to face it sooner or later and it might as well be tonight. We don’t need her now." (p157) In both the 1930’s‚ when the book was set and the 1960’s when it was written‚ any relationship with a black person other than direct employment caused scandals and gossip. This was particularly the case in Maycomb‚ where racism was in every narrow minded person. Aunt Alexandra wanted to get rid of Calpurnia for the good of the family’s reputation‚ but what she only slightly began
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Teacher-centered instruction implies a high degree of teacher direction and a focus of students on academic tasks. According to this type of instruction the focus of the class is on language forms and structures (or what the teacher knows about the language) thus grammar-based activities or a grammar check activity could be taught using teacher-centered instruction. The teacher is considered a model: the teacher talks and the students listen and repeat (instructions in phonics – drilling can also
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Ethiopia has one of the strongest histories of any country in Africa. With the exception of a brief Italian occupation that only lasted five years Ethiopia has remained independent for the rest of their history. However that does not mean that the country has not had its fair share of political and military battles. The most recent change of power was in 1991 when the former military junta or coup groups that had gained power collapsed. The military group was known as the Derg and was plagued by
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medication were targeted exclusively to physicians‚ but the industry’s approach evolved over time‚ pushing towards advertising prescription medication directly to patients through television‚ magazines‚ internet‚ etc. This marketing strategy‚ known as direct to consumer advertising (DTCA) is regulated differently across the globe depending on the federal legislation in different countries. The role of DTCA has generated a great deal of controversy and ethical concerns‚ such as the possibility of maximizing
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In my own education‚ the reading activities that have had the most effect on my reading have varied. During my primary years‚ the strategies that we now call direct reading instruction helped build the foundational comprehension and vocabulary skills needed for reading more complex texts in college. While reading‚ I use context clues to try and understand any unknown vocabulary words. If this strategy does not work‚ I use my computer to look up synonyms for the word and re-read the sentence by replacing
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key factors‚ direct and circumstantial evidence. One of the evidence markers weighs significantly heavier than the other‚ direct evidence being much more substantial than any circumstantial evidence. However‚ circumstantial evidence may build an entire case. Direct evidence is defined by Criminal Investigation Basic Perspectives‚ Eleventh Edition as an eye witness who through one of the five senses witnesses the crime committed. To further breakdown this definition of direct evidence‚ one
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One of the schemes that needs to get the attention of the Directorate General of Taxes is Indirect Transfers of Immovable Assets (Land and Building) With Nominee Usage. Where in this transaction the ownership of land and buildings is represented by the bond between Indonesian local residents and foreign citizens‚ furthermore this bond representing
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