Brotherhood of St Laurence

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A progressive direct expenditure tax . /

by Freebairn, John | University of Melbourne. Melbourne Institute of Applied conomic and Social Research | Valenzuela, Rebecca J.

Publisher: Parkville, Vic. Melbourne Institute of Applied Economic and Social Research 1998Description: 28 p. ; 21 cm.Online Access: Electronic copy Availability: Items available for loan: Brotherhood of St Laurence (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)

Allowing access to superannuation for housing : a discussion paper. /

by Australia. The Treasury.

Publisher: Canberra, A.C.T. The Treasury 1997Description: 36 p.: ill., tables.Notes: URL: 'http://INTERNET' Checked: 2/03/2009 9:39:10 AM Status: Live Details: HTTP status 200 - Usual success response URL: 'http://www.budget.gov.au/1997-98/min/superdis.pdf' Checked: 2/03/2009 9:39:10 AM Status: Live Details: HTTP status 200 - Usual success responseAvailability: Items available for loan: Brotherhood of St Laurence (1).

Brief overview of Saver Plus program /

by Brotherhood of St Laurence.

Publisher: unpub. 2004Description: 6p.Online Access: DOWNLOAD PDF Availability: Items available for reference: BSL Archives (1).

Designing a life-course savings account : how to help low-to-middle income families save more /

by Dolphin, Tony | Institute for Public Policy Research.

Publisher: London, U.K. Institute for Public Policy Research 2011Description: PDF.Online Access: Electronic copy Notes: April 2011 Bibliography pp. 37-38 Appendices pp. 39-46Summary: This paper reports the results of research designed to identify the features of a savings account that would appeal particularly to low-to-middle income families while also being viable for financial service providers. Families in the UK, especially low-to-middle income families - the median family income in 2008/09 was around 26,000 - find it hard to save, other than for short-term events such as Christmas and family birthdays. Among the reasons they give is a belief that the right savings vehicle does not exist for them. Based on workshops with would-be service users and providers, this report identifies the key features of an attractive and feasible 'life-course savings account' and proposes two specific savings products: a Lifetime Bonus Savings Account, aimed at encouraging saving, particularly to help families cope with emergencies, and a Long-term Investment Account, designed to replace the existing cash ISA scheme for savers at a higher level. These kinds of savings products balance rewards for savers against the cost to the public purse.Availability: (1)

Evaluation of Saver Plus past participants 2011 /

by Russell, Roslyn | Brotherhood of St Laurence | Wall, Lauren | Doan, Minh Phuong.

Publisher: Melbourne, Vic. Australia and New Zealand Banking Group Limited 2011; Brotherhood of St Laurence 2011Description: 56 p.: ill. col. tables.Online Access: Electronic copy Notes: Saver Plus is an initiative of the Brotherhood of St Laurence and ANZ. The program is funded by ANZ and the Australian Government Department of Families, Housing, Community Services and Indigenous Affairs, with ANZ providing matched savings for participants. The program is delivered in partnership with The Smith Family, The Benevolent Society and Berry Street. Local community organisations also deliver Saver Plus including Anglicare SA, Anglicare WA, BGT, Bethany Community Support, Jewish Care Victoria and Haven. Bibliography : p. 55Summary: This report provides evaluation results of saving and money management behaviour of past Saver Plus participants enrolled in the program from 2006 to 2009.Availability: Items available for loan: Brotherhood of St Laurence (2).

Evaluation of the Saver Plus pilot phase 1 : final report /

by Russell, Roslyn | RMIT University | Brooks, Rob | Nair, Aruna | Fredline, Liz.

Publisher: Melbourne, Vic. RMIT Business 2005Description: 86 p. : ill.Other title: Saver Plus, improving financial literacy through encouraging.Online Access: Electronic copy Availability: Items available for loan: Brotherhood of St Laurence (2).
Items available for reference: BSL Archives (1).

Evaluation of the Saver Plus pilot phase 2 : final report /

by Russell, Roslyn | RMIT University | Mihajilo, Sandra | Nair, Aruna.

Publisher: Melbourne, Vic. RMIT Business 2006Description: 90 p. : ill.Other title: Saver Plus : encouraging savings and increasing financial.Online Access: Electronic copy Notes: September 2006Summary: Saver Plus is a program designed to help families on low income improve their levels of financial literacy, develop a savings habit and build assets for educational purposes. The program is an initiative of the ANZ Bank and the Brotherhood of St Laurence (BSL) and has been implemented through partnerships with Berry Street Victoria, The Benevolent Society and The Smith Family. This document presents the results of the second savings period of the Saver Plus pilot program that ran from October 2004 to December 2005 in four locations: Frankston (the Brotherhood of St Laurence), Shepparton (Berry Street Victoria), Campbelltown, NSW (The Benevolent Society), and South East Queensland (The Smith Family).Availability: Items available for loan: Brotherhood of St Laurence (2), BSL Archives (1).

Evaluation of the Saver Plus pilot project : interim focus group report /

by Russell, Roslyn | RMIT University | Fredline, Liz | Nair, Aruna.

Publisher: Melbourne, Vic. RMIT Business 2005Description: 26 p. : ill.Other title: Saver Plus progress and perspectives : evaluation of the.Online Access: Electronic copy Notes: February 2005Summary: This report presents findings from focus groups conducted as part of the interim evaluation of the Saver Plus program in October 2004. Saver Plus is a pilot program aimed at assisting families on low-income to reach a savings goal and develop a savings habit. The program has been developed through a partnership between ANZ and the Brotherhood of St Laurence (BSL) and is being implemented through subsequent partnerships with Berry Street Victoria and The Benevolent Society, New South Wales. The pilot is being delivered in three locations: Frankston, Victoria (BSL); Shepparton Victoria (Berry Street Victoria) and Campbelltown, NSW (The Benevolent Society) with 268 participants. The program was launched in 2003 and the first phase of the pilot will be completed in February 2005.Availability: Items available for loan: Brotherhood of St Laurence (2).
Items available for reference: BSL Archives (1).

Evaluation of the Saver Plus pilot project : interim report /

by Russell, Roslyn | RMIT University | Fredline, Liz.

Publisher: Melbourne, Vic. RMIT Business 2004Description: 26 p. : ill.Online Access: Electronic copy Notes: August 2004 Saver Plus progress and perspectives : Evaluation of the Saver Plus pilot project : interim report (Cover title)Summary: This document is an interim report that will provide a progress review of the first stage of the Saver Plus program. We would like to acknowledge the assistance of the Saver Plus research reference group in providing valuable input, discussion and guidance. The participants who have joined the program between July 2003 and the end of March 2004 have provided the data included in the report. We are grateful for their willingness to be involved in the research. Staff who are implementing and running the program have also provided valuable information, we thank them for their time in participating in the research. The evaluation has been funded by ANZ and both ANZ and Brotherhood of St Laurence have provided significant background information useful for the research efforts.Availability: Items available for loan: Brotherhood of St Laurence (2).
Items available for reference: BSL Archives (1).

Many faces of saving : social dimensions of Saver Plus /

by Bodsworth, Eve | Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Australia and New Zealand Banking Group Limited 2011; Brotherhood of St Laurence 2011Description: 48 p.: ill.Online Access: Electronic copy Notes: Saver Plus is an initiative of the Brotherhood of St Laurence and ANZ. The program is funded by ANZ and the Australian Government Department of Families, Housing, Community Services and Indigenous Affairs, with ANZ providing matched savings for participants. The program is delivered in partnership with The Smith Family, The Benevolent Society and Berry Street. Local community organisations also deliver Saver Plus including Anglicare SA, Anglicare WA, BGT, Bethany Community Support, Jewish Care Victoria and Haven.Summary: A small qualitative study of Saver Plus, a matched savings program designed to assist low-income Australians to build assets and improve their financial capability, explored the social and economic context in which the participants attempted to save money and manage their finances. It also shed light on the constraints to saving faced by individuals and families. The study includes recommendations for improving the Saver Plus program, and for broader policy reform.Availability: Items available for loan: Brotherhood of St Laurence (1).

Reference : Australian Securities and Investments Commission (Fair Bank and Credit Card Fees) Amendment Bill 2008. /

by Australia. Parliament. Senate. Hansard. Standing Committee on.

Publisher: Canberra, A.C.T. Commonwealth of Australia 2008Description: PDF.Availability: Items available for loan: Brotherhood of St Laurence (1).

Response to First Home Saver Accounts consultation process. /

by Nicholson, Tony | Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 2008Description: PDF.Online Access: Electronic copy Notes: March 2008 Family & early yearsSummary: I write in response to the Government's First Home Saver Accounts initiative. We congratulate the Government for its initial actions to address housing affordability through a suite of programs including the First Home Saver Accounts.Availability: Items available for loan: Brotherhood of St Laurence (1), BSL Archives (1).

Response to Indigenous home ownership paper /

by Brotherhood of St Laurence.

Publisher: Fitzroy, Vic. Brotherhood of St Laurence 2008Description: 3 p.Online Access: Electronic copy Notes: March 2008Availability: (1)

Saver Plus : an indication of saving behaviour post-Saver Plus /

by Russell, Roslyn | RMIT University | Brooks, Rob | Nair, Aruna.

Publisher: Melbourne, Vic. RMIT Business 2006Description: 26 p. : ill.Online Access: Electronic copy Notes: February 2006 Saver Plus : improving financial literacy and establishing long-term saving habits : An indication of saving behaviour post-Saver Plus (Cover title)Availability: Items available for loan: Brotherhood of St Laurence (1).

Saver Plus summary report 2011 : incorporating summaries of two research reports : Evaluation of Saver Plus past participants 2011 and Many faces of saving : the social dimensions of Saver Plus /

by Russell, Roslyn | Brotherhood of St Laurence | Wall, Lauren | Doan, Minh Phuong | Bodsworth, Eve.

Publisher: Melbourne, Vic. Australia and New Zealand Banking Group Limited 2011; Brotherhood of St Laurence 2011Description: 20 p.: ill. col.Online Access: Electronic copy Notes: Summary report Saver Plus is an initiative of the Brotherhood of St Laurence and ANZ. The program is funded by ANZ and the Australian Government Department of Families, Housing, Community Services and Indigenous Affairs, with ANZ providing matched savings for participants. The program is delivered in partnership with The Smith Family, The Benevolent Society and Berry Street. Local community organisations also deliver Saver Plus including Anglicare SA, Anglicare WA, BGT, Bethany Community Support, Jewish Care Victoria and Haven.Summary: This document incorporates summaries of two Saver Plus research reports. The first research report was prepared by researchers at RMIT University and is the latest in a series of ongoing evaluations of the effectiveness of the Saver Plus program, focusing on the experience of participants from the 2006-2009 period. The second was prepared by researchers at the Brotherhood of St Laurence and assesses the experiences of Saver Plus participants to better understand the savings challenges faced by low-income people. This study includes recommendations for improving the Saver Plus program, and for broader financial policy reform.Availability: Items available for loan: Brotherhood of St Laurence (2).

Saver Plus: strengthening financial futures /

by Brotherhood of St Laurence.

Publisher: Editel Post Production 2004Description: 1 videocassette (VHS)( 8.30 min). : sd., col.Notes: September 2004 Summary of the views of the participants in the study.Availability: Items available for reference: BSL Archives (1).

Saving and asset-building in low-income households /

by Dolphin, Tony | Institute for Public Policy Research.

Publisher: London, U.K. Institute for Public Policy Research 2009Description: PDF.Online Access: Electronic copy Notes: December 2009Summary: This is of study of the income, spending, saving and borrowing of 58 low-income families which reveals that most have a positive attitude to the idea of saving, but find it very difficult to translate that attitude into actual saving for any length of time.Availability: (1)

Saving behaviour of past Saver Plus participants /

by Russell, Roslyn | RMIT University | Mihajilo, Sandra | Brooks, Rob.

Publisher: Melbourne, Vic. RMIT Business 2007Description: 26 p. : ill.Other title: Saver Plus - encouraging savings and increasing financial.Online Access: Electronic copy Notes: June 2007Summary: This report provides results from the second follow-up survey of past Saver Plus participants, and measures the impact of the program on their continued savings behaviour. Encouragingly, 75 per cent of participants continue to save the same amount or more 12-24 months after completing Saver Plus. Participants reported that the educational item saved for and purchased has had a highly positive impact on their child?s school experience, resulting in improved academic performance, reduced stress and worry, increased participation in school activities such as music and sport and increased levels of self-esteem and confidence.Availability: Items available for loan: Brotherhood of St Laurence (1), BSL Archives (1).

Saving tomorrow : the savings and spending patterns of Australians /

by Kelly, Simon | National Centre for Social and Economic Modelling | Gong, Cathy.

Publisher: Sydney, N.S.W. AMP 2010Description: PDF.Online Access: Electronic copy Notes: NATSEM. Income and Wealth Report, Issue 25, April 2010Availability: (1)

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