Brotherhood of St Laurence

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"Twin deficits" and the Australian models: comments on a conference. /

by Pagan, Adrian.

Publisher: Canberra, A.C.T. Centre for Economic Policy Research, Australian National University 1990Description: p. 21-41. Bibliography p. 34-35.Notes: Contained in 'Revised papers from the conference Fiscal Policy and the Current Account' with Nguyen / Fiscal Policy and the Current Account. Revised paper from the conference: Fiscal policy and the current account indexed chapterAvailability: Items available for loan: Brotherhood of St Laurence (1).

A basis for a new water services concession : report to the Minister for Health and Aged Care and the Ministerial Review of State Concessions. /

by Siemon, Don | Ministerial Consultative Committee on State Concessions. ommunity Sector Members.

Publisher: unpub. 1996Description: 16 p. photocopy.Online Access: Electronic copy Notes: November 1996Availability: Items available for reference: BSL Archives (1).

Adult financial literacy in Australia : full report of the results from the 2011 ANZ Survey /

by ANZ Banking Group.

Publisher: n.p. ANZ Banking Group 2011Description: PDF.Online Access: Electronic copy Notes: December 2011 Appendices pp. 117-137Summary: This report presents key findings from the 2011 ANZ Survey of Adult Financial Literacy in Australia - the fourth Survey in a series published since 2003. Financial literacy is the ability to make informed judgements and to take effective decisions regarding the use and management of money. Financial literacy is therefore a combination of a person's skills, knowledge, attitudes and ultimately their behaviours in relation to money. To capture this concept, we focused on the behaviours that can be considered indicators of a person's financial literacy. Analysis identified five behavioural indicators: keeping track of finances, for example monitoring account statements and household expenses; planning ahead, which includes behaviours such as addressing retirement income issues, using financial advisers and using insurance; choosing financial products, for example the extent of comparison shopping for financial products and services; staying informed, for example the extent to which people make use of financial information; and financial control which includes things like control of general financial situation and debt as well as ability to save money. Having identified the behaviours that indicate a person's financial literacy, the next step was to examine which groups performed well in terms of these behaviours and which groups did not. In other words, which groups display behaviours that indicate high levels of financial literacy and which display behaviours that indicate lower levels of financial literacy? Then, to help explain differing levels of financial literacy between groups, associations with peoples' characteristics such as age, education, household circumstances, financial knowledge, numeracy and financial attitudes were examined. These explanations are not complete, but they do assist in building our understanding of the characteristics of groups in the community who may benefit from improved levels of financial literacy.Availability: (1)

Australia's fiscal straightjacket : eight myths about tax and public debt which are holding us back /

by Argy, Fred | Centre for Policy Development (CPD).

Publisher: Sydney, N.S.W. Centre for Policy Development 2007Description: PDF.Other title: Centre for Policy Development. Occasional paper ; no. 4.Summary: The Howard Government and Rudd's Labor opposition have both embraced the notion that in general tax rates and public debt levels should not increase. This fiscal strategy is lazy and timid policy, not good governance. It is impeding the Government?s capacity to meet the nation?s infrastructure needs, forcing it to adopt financing options that are economically less efficient and denying Australians a genuine, well informed choice on the appropriate balance between public and private goods. The fiscal straightjacket is based on several myths about the impact of taxation and government borrowing.Availability: No items available

Avoiding debt traps : financial backstops and structural reforms /

by Padoan, Pier C | Organisation for Economic Co-operation and Development | Sila, Urban | van den Noord, Paul.

Publisher: Paris, France OECD Publishing 2012Description: PDF.Other title: OECD Economics Department. Working paper ; no. 976.Online Access: Electronic copy Notes: June 2012Summary: In this paper we develop a simple analytical framework to analyze "good" and "bad equilibria" in public-debt and growth dynamics. The "bad equilibrium" is characterised by the simultaneous occurrence, and adverse feedbacks between, high and growing fiscal deficits and debt, high risk premia on sovereign debt, slumping economic activity and plummeting confidence, whereas a "good equilibrium" is characterized by stable growth and debt and low risk premia. We use this framework to identify - both theoretically and empirically - the good and bad equilibrium levels of debt and policies that can help a country caught in a bad equilibrium to recover. The analysis shows that despite some output loss in the short run fiscal consolidation can help countries escape from the bad equilibrium trap. More broadly, we find that a combination of financial backstops, structural reform and fiscal consolidation is most effective in helping countries getting onto a sustainable path.Availability: (1)

Baby boomers : doing it for themselves /

by Kelly, Simon | National Centre for Social and Economic Modelling | Harding, Ann.

Publisher: Canberra, A.C.T. National Centre for Social and Economic Modelling (NATSEM). University of Canberra 2007Description: PDF.Other title: AMP.NATSEM income and wealth report ; issue 16.Online Access: Electronic copy Notes: March 2007Availability: Items available for loan: Brotherhood of St Laurence (1).

Below the breadline : a year in the life of families in poverty : /

by Harris, Jullie | Treanor, Morag | Sharma, Neera.

Publisher: Barnardo's Policy and Research Unit 2009Description: PDF.Online Access: Electronic copy Availability: Items available for loan: Brotherhood of St Laurence (1).

Caught in the safety net : the costs of Centrelink debt recovery and prosecution. /

by Hughes, Camilla | Anglicare Tasmania.

Publisher: Hobart, Tas. Social Action and Research Centre, Anglicare Tasmania, 2008Description: 58 p. : ill.Notes: April 2008 Bibliography: p. 56-58Summary: "This report looks at the experiences of Tasmanian Centrelink customers who are in debt to Centrelink. It provides an overview of one state's experience of a decade of changes in social security law, declining legal aid funding and mounting social and economic pressures - such as the 'churning' of the low wage and casual labour market and the growing affordable housing crisis."Availability: Items available for loan: Brotherhood of St Laurence (1).

Commonwealth-State Housing Agreement national data reports 2002-03 : home purchase assistance /

by Australian Institute of Health and Welfare.

Publisher: Canberra, A.C.T. Australian Institute of Health and Welfare 2004Description: PDF.Online Access: Electronic copy Availability: (1)

Credit debt in low-income families /

by Dearden, Chris | Joseph Rowntree Foundation | Goode, Jackie | Whitfield, Grahame | Lynne Cox.

Publisher: York, U.K. Joseph Rowntree Foundation 2010Description: PDF.Online Access: Electronic copy Notes: June 2010 Bibliography : p. 50-51 INTO AND OUT OF WORKSummary: This report examines the experiences of credit and debt for low-income families over a twelve month period. It was conducted against the backdrop of the global credit crunch , when a sustained period of readily available credit was followed by recession, increasing unemployment and rising household costs.Availability: (1)

Department of Immigration and Citizenship : administration of detention debt waiver and write-off /

by McMillan, John | Commonwealth Ombudsman.

Publisher: Canberra, A.C.T. Commonwealth Ombudsman 2008Description: PDF.Other title: Commonwealth Ombudsman report ; no. 02|2008.Online Access: Electronic copy Notes: April 2008Summary: The Migration Act 1958 requires that a non-citizen who is detained is liable to pay the Australian government the costs of their detention. This liability includes costs of the transportation of the person to and from an immigration detention centre and the daily maintenance amount for each day the person spends in detention. In the year ended 30 June 2007, DIAC raised debts of over Availability: Items available for loan: Brotherhood of St Laurence (1).

Escaping the debt trap : experiences of New Zealand families accessing budgeting services /

by Edgar, Nicolette (ed.) | New Zealand. Families Commission | McCardle, Janine.

Publisher: Wellington, N.Z. New Zealand. Families Commission 2009Description: PDF.Other title: New Zealand. Families Commission. Research report ; no. 6/09.Online Access: Electronic copy Notes: December 2009Summary: This report identifies factors contributing to New Zealand families being in problem debt, the impacts of such debt, and strategies used to get out of problem debt, including the role of Budgeting Services. This research focused on family members' views on what had led to their problem debt situation, how it affected their family and what could help other families to get out of debt.Availability: (1)

Evidence versus emotion : how do we really make financial decisions? /

by Australia Institute.

Publisher: Canberra, A.C.T. Australia Institute 2010Description: 38 p. : ill.Online Access: Electronic copy Notes: December 2010Summary: Around one in three Australians are regularly putting one or more everyday bills like utilities, car registration and groceries on their credit card but not paying the balance off in full each month. Categorised as 'playing catch-up', these people face higher rates of interest on household bills, due to lack of cash flow. The Australia Institute conducted an online survey of 1,180 adult Australians in October 2010. Respondents were sourced from a reputable online panel provider, and quotas were applied to ensure a representative sample of the broader Australian population by gender, age and household income. Respondents were provided with a small incentive (Availability: (1)

Has the rise in debt made households more vulnerable ? /

by Girouard, Nathalie | Organisation for Economic Co-operation and Development | Kennedy, Mike | Andr , Christophe.

Publisher: Paris, France OECD Publishing 2006Description: PDF.Other title: OECD Economics Department. Working paper ; no. 535.Availability: Items available for loan: Brotherhood of St Laurence (1).

Household debt in Australia : walking the tightrope. /

by Harding, Ann | Kelly, Simon | Cassells, Rebecca.

Publisher: Canberra, A.C.T. National Centre for Social and Economic Modelling (NATSEM). University of Canberra 2004Description: HTML.Notes: URL: ',2449,CH10071%255FNI74140%255FSI3,00.html' Checked: 6/10/2008 10:23:43 AM Status: Live Details: HTTP status 200 - Usual success responseAvailability: Items available for loan: Brotherhood of St Laurence (1).

Labour force participation and household debt . /

by Belkar, Rochelle | Cockerell, Lynne | Edwards, Rebecca.

Publisher: Reserve Bank of Australia. Economic Research Department 2007Description: PDF.Notes: INTO AND OUT OF WORKAvailability: Items available for loan: Brotherhood of St Laurence (1).

Like juggling 27 chainsaws : understanding the experience of default judgment debtors in Victoria : summary report

by Bodsworth, Eve | Brotherhood of St Laurence.

Publisher: Consumer Action Law Centre 2013Description: 4 p.Online Access: DOWNLOAD PDF Summary: Summery paper on understanding the experience of default judgment debtors in Victoria.Availability: (1)

Literature review on personal credit and debt in Australia : families at risk deciding on personal debt /

by Singh, Supriya | RMIT University | Myers, Paul | McKeown, Warren | Shelly, Marita.

Publisher: Melbourne, Vic. RMIT University 2005Description: PDF.Online Access: Electronic copy Notes: 23 May 2005 Bibliography : p. 36-39Summary: In this literature review we detail current knowledge about how people decide on personal debt in Australia, with particular reference to low income families. These readings form the starting point of our study of Families at Risk Deciding on Personal Debt. The aim of our study is to understand financial decision-making so that we can address what needs to be done to empower consumers and alleviate debt problems amongst the most vulnerable families in Australia. This literature review on personal credit and debt in Australia complements the accompanying literature review on the theoretical frameworks and literature around the study of personal debt and credit. These literature reviews do not include a detailed discussion of consumer education as this will form the subject of a separate report.Availability: (1)

Money lenders or loan sharks : the consumers' perspective on the impacts of the deregulation of the pawnbroking industry and other legislative amendments to the Second-hand Dealers and Pawnbrokers Act (1989) which took /

by Ayres-Wearne, Valerie.

Publisher: Collingwood, Vic. Good Shepherd Youth and Family Service 2000Description: iii, 87 p. ; ill.Notes: April 2000 Bibliography: p. 85-86 AppendicesAvailability: Items available for loan: Brotherhood of St Laurence (1).

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