Journal Article
Mortgage applicants turn to credit unions after the crisis
Liu, Yang; Sengupta, Rajdeep (2013-07)
The Regional Economist , Issue July

Journal Article
A report on economic conditions in the St. Louis zone
Ricketts, Lowell R.; Vermann, E. Katarina; Kliesen, Kevin L.; Neely, Michelle Clark; Marifian, Elise; Li, Li; Liu, Yang (2014-04)
Burgundy Books , Issue 2Q

Journal Article
Gender wage gap may be much smaller than most think
Kolesnikova, Natalia A.; Liu, Yang (2011-10)
The Regional Economist , Issue Oct , Pages 14-15

Journal Article
How low can you go? negative interest rates and investors’ flight to safety
Liu, Yang; Anderson, Richard G. (2013-01)
It is not uncommon to observe negative interest rates during uncertain times, when investors flee to safety. But the existence of negative market yields provides no support for policies in which central banks set negative interest rates on deposits held at a central bank.
The Regional Economist , Issue Jan

Journal Article
The gender wage gap
Kolesnikova, Natalia A.; Liu, Yang (2011)
The actual gender wage disparity (which compares the wages of male and female workers with similar labor-force characteristics) is lower than the raw gender earnings gap.
Economic Synopses

Journal Article
The effects of Extending Unemployment Insurance Benefits
Canon, Maria E.; Liu, Yang (2014)
Longer benefits may reduce unemployed workers? job search efforts, decreasing their likelihood of becoming reemployed.
Economic Synopses , Issue 16

Journal Article
Prime and subprime hybrid mortgages
Sengupta, Rajdeep; Liu, Yang (2012)
Although similar in many ways, subprime hybrids were really different from prime hybrids.
Economic Synopses

Journal Article
Banks and credit unions: competition not going away
Liu, Yang; Anderson, Richard G. (2013-04)
Has the competitive balance tilted away from banks and toward credit unions, given the latter?s tax exemption and more-recent ability to draw members from wider pools? Whether it has or not, both industries have seen similar trend growth over the past 15 years?and, in fact, have come to resemble each other in many ways.
The Regional Economist , Issue Apr

Journal Article
Understanding poverty measures and the call to update them
Kolesnikova, Natalia A.; Liu, Yang (2012-07)
Official poverty rates are on the rise in the United States. But does this necessarily mean that more people can?t meet their basic needs? This article examines how poverty is calculated and looks at the criticisms of these measures.
The Regional Economist , Issue Jul

Newsletter
A new trend for U.S. household spending
Liu, Yang (2010-01)
Holiday sales are expected to be weak again this year even though the economy and financial markets are improving. Shoppers are especially reluctant to use credit cards for holiday purchases. According to the National Retail Federation's 2009 Consumer Intentions and Action Survey, only 28.3 percent of holiday shoppers will use credit cards; this is 10.6 percent lower than one year ago. Why are shoppers so hesitant to use their credit cards this year? Many factors are involved. Read the January 2010 Newsletter for the answers.
Liber8 Economic Information Newsletter , Issue January