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Refund to Savings (R2S) is an innovative, rigorously designed and scalable program intended to help low-income households build savings and increase financial security.〔(Refund to Savings ). Center for Social Development, Washington University in St. Louis.〕 The result of a collaboration between the Center for Social Development at Washington University in St. Louis, Duke University, and Intuit Inc. R2S is the largest savings experiment conducted in the United States to date. This initiative builds on Intuit’s TurboTax Free File Alliance Online product, available free to lower-income taxpayers, to reach thousands of households. The goal of the initiative is to design and test a low-touch, scalable intervention that can transform the tax-refund windfall into savings to improve financial security. The intervention builds on existing infrastructure and integrates with normal financial behavior, so it can quickly and inexpensively be expanded to reach millions of American households. ==Key Researchers and Partners== Michal Grinstein-Weiss, PhD, MSW, MA, is an Associate Professor at the Brown School of Social Work at Washington University in St. Louis and the Associate Director of the Center for Social Development. She is a national expert in policy research related to issues of economic inequality and social development. Her work has been featured on C-SPAN and National Public Radio, and she has delivered keynotes and presentations in the United States and around the world. Dr. Grinstein-Weiss is currently the principal investigator for the American Dream Demonstration Wave-4 Study, a 10-year follow-up study of Individual Development Account participants. In addition, Dr. Grinstein-Weiss is an influential voice in the design of policies aimed at increasing child savings and is currently working with the Israeli government on the design, implementation, and evaluation of a national Child Development Account program. Dan Ariely, PhD, is the James B. Duke Professor of Behavioral Economics in the Fuqua School of Business at Duke University and has faculty appointments in the Center for Cognitive Neuroscience, the Department of Economics, and the School of Medicine at Duke University. He is an internationally recognized expert on behavioral economics and the author of Predictably Irrational and The Upside of Irrationality. Dr. Ariely and his research are featured regularly in national and international media. Intuit Inc.is a leading provider of business and financial management solutions for small and mid-sized businesses; financial institutions, including banks and credit unions; consumers and accounting professionals. Its flagship products and services simplify small business management and payroll processing, personal finance, and tax preparation and filing. Intuit Financial Services helps banks and credit unions grow by providing on-demand solutions and services that make it easier for consumers and businesses to manage their money. The Intuit Financial Freedom Foundation directs programs that help to empower disadvantaged, lower-income individuals, small businesses, and the non-profit organizations that serve them. By donating Intuit’s tax preparation, financial management and accounting software and online services, the Foundation promotes financial literacy and independence, helping people and organizations master their finances and bridge the digital divide.The Foundation’s signature program is the Intuit Tax Freedom Project. TurboTax, one of Intuit's product, offers Freedom Edition to hard-working Americans and their families who meet the IRS eligibility requirements. It is an IRS Free-Alliance offering. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Refund to savings」の詳細全文を読む スポンサード リンク
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