EPIC recently concluded its first "deep dive" analysis into income volatility and is now shifting its focus to the changing landscape of American consumer debt. Although home loans still represent the bulk of total consumer debt, it is primarily the growth in student and auto loans that has pushed that total to a level that now surpasses pre-Great Recession levels.

EPIC’s first issue brief, "Income Volatility: A Primer," was a comprehensive literature review of what is known about the prevalence, causes, and impacts of income volatility. This second brief looks at managing income volatility at both the household and societal levels.

In its inaugural year, EPIC is focusing on income volatility. EPIC’s purpose is to synthesize insights to build a more accurate understanding of how income volatility impacts low- and moderate-income families and how best to combat the most destabilizing dimensions of the problem.

Like the broader market, Tesla Inc. (TSLA – Get Report) has seen an elevated level of volatility in its stock price this year. Given concerns around its debt, Model 3 production. buyers will.

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Understanding Housing and Debt Ratios. Debt-to-income ratio. Your debt-to-income ratio, also known as your back-end ratio, is also important. This ratio tells you how much of your monthly salary is eaten up by all of your expenses, not just housing. Your expenses would include any recurring.

debt in the years leading up to the recession increased sensitivity to declines in household income. These results point to the possibility of deeper recessions and increased macroeconomic volatility in countries with higher levels of household debt, especially when the assets purchased with debt are illiquid in nature.

Income. Income is central to economic well-being. The ability to meet current expenses and also save for the future depends on that income being sufficient and reliable. Frequent changes in the level of family income, referred to here as "income volatility," can also be a source of economic hardship. Level and Source

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Concerns the economy may be faltering, limited income gains. about Europe’s debt crisis led to. INCOME VOLATILITY : MANAGING THE SWINGS September 2016 The expanding prosperity impact collaborative (epic), an initiative of the Aspen Institute’s Financial Security Program, will target a consequential consumer finance issue to explore in depth for a defined period of time.

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