id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3721	Fan, Jessie X.; Chang, Y. Regina; Hanna, Sherman	Real Income Growth and Optimal Credit Use	1993	14	.pdf	application/pdf	5709	275	59	For real income growth levels below these threshold levels, there is a range of growth levels for which neither borrowing nor saving is optimal. A two period model of consumption for determining optimal credit use is presented, The impact of real income growth is Malyzed with numerical analysis.	cache/fsr-3721.pdf	txt/fsr-3721.txt