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首页> 外文期刊>Journal of socio-economics >The benefits of saving at tax time: Evidence from the $aveNYC evaluation
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The benefits of saving at tax time: Evidence from the $aveNYC evaluation

机译：在纳税时间节省的好处：来自$ aveNYC评估的证据

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摘要

Paper presents results ot an evaluation or a tax-time savings program. SaveNYC otters incentivized savings accounts to taxpayers filing their taxes at Volunteer Income Tax Assistance (VITA) sites in New York City. Participants who direct-deposited at least $200 of their refund into the account and maintained the balance for a year received 50 cents per dollar saved. A comparison group was drawn from NYC VITA sites where the program was not offered. Propensity score weighting was used to balance the two groups. Study participants (N= 353) were surveyed via telephone halfway through the program, and again 8 months after the program ended. 70 percent of SaveNYC participants surveyed received the match. The majority of those who received the match continued to save some portion of the money. At the second survey, there was no significant difference between groups in savings amount; this finding may be due to measurement limitations. SaveNYC participants were less likely than comparison group members to have skipped paying bills or taken out a loan during the study period, and were more likely to have withdrawn money from savings. Findings suggest that tax-time savings programs can result in sustained emergency savings and prevent reliance on borrowing and unpaid bills.
机译：论文提出了评估或节省税时计划的结果。 SaveNYC水獭会向在纽约市的志愿者所得税协助（VITA）站点上报税的纳税人激励储蓄帐户。直接将至少200美元的退款存入帐户并保持余额一年的参与者每节省1美元可获得50美分。来自未提供该程序的NYC VITA网站的一个比较组。倾向得分加权用于平衡两组。在计划进行中途以及计划结束8个月后，通过电话对研究参与者（N = 353）进行了调查。参加调查的SaveNYC参与者中有70％收到了比赛。接受比赛的大多数人继续节省了一部分钱。在第二次调查中，两组之间的储蓄金额没有显着差异；此发现可能是由于测量限制。与研究组成员相比，SaveNYC参与者在研究期间跳过支付账单或借贷的可能性较小，并且更有可能从储蓄中提取资金。调查结果表明，节税时间节省方案可以持续节省紧急费用，并避免依赖借入和未付帐单。

著录项

  • 来源
    《Journal of socio-economics》 |2014年第2期|50-61|共12页
  • 作者

    Jenna N. Tucker; Clinton C. Key; Michal Grinstein-Weiss;

  • 作者单位

    School of Social Work, University of North Carolina at Chapel Hill, 325 Pittsboro Street, CB# 3550, Chapel Hill, NC 27599, United States;

    The Pew Charitable Trusts, 901 E Street NW, 10th Floor, Washington, DC 20004, United States;

    Center for Social Development, George Warren Brown School of Social Work, Washington University in St. Louis, Campus Box 1196, One Brookings Drive, St. Louis, MO 63130, United States;

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  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

    Tax refund; Saving; Emergency; Financial empowerment; Financial security;

    机译：退税;保存;紧急情况财务授权;财务安全;

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