Investors who accept a greater degree of financial risk expect to benefit from higher returns
and greater wealth over time. This study explores the relationship between net worth and net …

Using a cost-benefit framework for financial planning services and proprietary data collected
in the summer of 2008, the client characteristics that are associated with the likelihood of …

Households age 60 and older bear increasing responsibility for managing retirement
portfolios, and they hold the majority of financial assets in the United States. Cognitive aging …

A statistical theory for overtraining is proposed. The analysis treats general realizable
stochastic neural networks, trained with Kullback-Leibler divergence in the asymptotic case of a …

Increasing mortgage debt among older households has been cited as evidence of financial
distress caused by low financial knowledge, poor lending practices, and an increased …

This paper describes JANUS-III, our most recent version of the JANUS speech-to-speech
translation system. We present an overview of the system and focus on how system design …

This study models the importance respondents place on saving for retirement as a function
of time preference using a sample of 6812 undergraduate and graduate students. Individual …

In the early 1990s, the availability of the TIMIT read-speech phonetically transcribed corpus
led to work at AT&T on the automatic inference of pronunciation variation. This work, briefly …

The construction industry has a difficult time prospectively identifying, with accuracy, either
the scope or magnitude of change-caused disruption at the activity level. This difficulty …

The safety of a 4% initial withdrawal strategy depends on asset return assumptions. Using
historical averages to guide simulations for failure rates for retirees spending an inflation-…