Inside the Vault is an economic education newsletter for educators. Distributed twice a year.
The Spring 2015 issue of Inside the Vault features “Behind the Signs: Factors That Affect Gasoline Prices,” which provides an overview of the factors that determine gasoline prices, such as the price of crude oil along with taxes, location, and seasonal and weather effects. You’ll also find an economic snapshot on fuel economy, oil production, oil consumption, and demand for gasoline. The Q & A section focuses on gasoline prices, and there are details on new Econ Lowdown resources.
The Fall 2014 issue of Inside the Vault features “Payday Loans: Time for Review,” which provides an overview of payday loans and lenders, regulations governing these alternative financial service providers, and the characteristics and habits of payday loan borrowers. You’ll also find an economic snapshot on payday loans by the numbers, a Q&A on payday loans, and details on new Econ Lowdown resources.
In 2009, Congress passed the most substantial reform in the credit card industry in more than 40 years—the Credit Card Accountability and Disclosure Act, or the CARD Act. Simply put, the CARD Act offers cardholders protections that can save them money. But has the CARD Act made a difference? The Spring 2014 Issue answers this question in its lead article, which covers the fair and transparent practices introduced by the Act. Fair practices include lower fees and limits on interest rate increases, while transparent practices include better and timely communication so consumers know how much they are really paying for credit.
The benefits of higher education have continued to grow over the past 30 years—specifically, greater earnings and lower unemployment for those with a college degree. So why aren't more people making the investment? The fall 2013 issue of Inside the Vault answers this question in its lead article with an exploration of the benefits of college, the drivers of college participation rates, and the impact of the recession on college enrollment. Other articles include a look at lifetime earnings, a Q&A about college and careers, and details on new Econ Lowdown resources.
This issue of Inside the Vault looks at the surging student loan delinquency rate, education costs that continue to greatly outpace the inflation rate, and a 7.6 unemployment rate, all combining to challenge and frustrate the student loan system. The issue includes the article as well as Q&A for your students.
It's almost impossible to get by today without some kind of plastic card–just try to make a hotel reservation or rent a car without one. How did we become so dependent on plastic cards and cashless payments? The Fall 2011 issue holds the answer in the article "Cards, Cards and More Cards: The Evolution to Prepaid Cards."
The Fall 2009 issue features "As College Costs Rise, Student Loans Are Harder to Find". The article addresses how high school students planning for college can look forward to multiple questions—and not just those they might confront on standardized tests. In addition to getting into college, students and their families have to figure out how much college will cost, and how to pay for it.
Fed in Print: An index of the economic research conducted by the Fed.
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