David Loughran's Books

The Debt Freedom Plan

By: David Loughran

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Herein lies a Plan, simple, yet effective, for the average person with low to middle income, to get out of debt and become 100% debt free. Unlike all those "get rich quick" schemes out there today, this basic plan just teaches you how to use the money you're already making, turn it around and get it moving forward at all times. Instead of resorting to tricks and gimmicks like the others, however, the Debt Freedom Plan consists of long term financial principles aimed at first paying off all your debts, then building wealth consistently for your future. While in the process of learning how to do this, you'll be breaking your bad habits of debt and overspending and replacing them with good habits of consistent wealth building that, if continued, will lead you ultimately to complete financial freedom.

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120

Publisher

Xlibris Corporation

Published Date

ISBN 10

1413454801

ISBN 13

9781413454802

Municipal Pretreatment Programs

Guides to Pollution Prevention

By: Lynn Knight,David Loughran

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Municipal Pretreatment Programs

Guides to Pollution Prevention

By: Lynn Knight,David Loughran

Provides an overview of pollution prevention concepts, presents a way to identify and prioritize industries as candidates for pollution prevention, and outlines a broadly applicable approach to integrating pollution prevention concepts into existing pretreatment programs. Includes pollution prevention summaries on the following industries: automotive-related, commercial printing, fabricated metal products, paint manufacturing, pesticide formulation, photoprocessing, and more. Contains a comprehensive list of pollution prevention resources. 30 charts, tables and graphs.

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DIANE Publishing

Published Date

ISBN 10

0788123823

ISBN 13

9780788123825

Reserve Retirement Reform

A Viewpoint on Recent Congressional Proposals

By: Beth J. Asch,James R. Hosek,David S. Loughran

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Reserve Retirement Reform

A Viewpoint on Recent Congressional Proposals

By: Beth J. Asch,James R. Hosek,David S. Loughran

Four bills are pending in Congress to reduce the age at which reservists can begin to receive retirement benefits. This report provides input regarding these proposals and the broader issues surrounding reserve retirement reform. Although it is important to recognize that deferring some portion of compensation can be cost-effective, the results argue in favor of providing compensation on a current rather than a deferred basis.

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Rand Corporation

Published Date

ISBN 10

0833036939

ISBN 13

9780833036933

Occupational Safety and Health for Public Safety Employees

Assessing the Evidence and the Implications for Public Policy

By: Tom LaTourrette,David S. Loughran,Seth A. Seabury

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Occupational Safety and Health for Public Safety Employees

Assessing the Evidence and the Implications for Public Policy

By: Tom LaTourrette,David S. Loughran,Seth A. Seabury

Police officers, firefighters, and other public safety workers face exceptionally high rates of injury and fatality relative to the general workforce. This document provides an analysis of the risk factors associated with different aspects of public safety occupations, to help policymakers in their efforts to improve the health and safety of these employees.

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157

Publisher

Rand Corporation

Published Date

ISBN 10

0833046217

ISBN 13

9780833046215

Post-Traumatic Stress Disorder and the Earnings of Military Reservists

By: David S. Loughran,Paul Heaton

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Post-Traumatic Stress Disorder and the Earnings of Military Reservists

By: David S. Loughran,Paul Heaton

An investigation of the effects of having symptoms of post-traumatic stress disorder (PTSD) on the labor market earnings of reservists in the years following deployment.

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Rand Corporation

Published Date

ISBN 10

0833081454

ISBN 13

9780833081452

Activation and the Earnings of Reservists

By: David S. Loughran,Jacob Alex Klerman,Craig W. Martin

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Activation and the Earnings of Reservists

By: David S. Loughran,Jacob Alex Klerman,Craig W. Martin

Activation imposes a variety of costs on reservists. Among those costs is a potential decline in earnings during the period of activation. In this study, RAND researchers compute how earnings change when a reservist is activated using administrative data on military and civilian earnings obtained from the Department of Defense (DOD) and teh Social Security Administration (SSA). The study employs a comprehensive measure of annual earnings and covers the experiences of virtually all reservists activated in support of the Global War on Terrorism through 2003. Contrary to conventional wisdom and DOD survey evidence, the RAND study indicates that, on average, the earnings of reservists increase substantially when activated. Moreover, earnings gains increase length of active duty servcie. Some reservists do experience an earnings loss when activated, but the probability of experiencing an earnings loss declines with length of active duty service. Even so, these large earnings gains may be insufficient to compensate reservists for the hardship of active duty.

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176

Publisher

Rand Corporation

Published Date

ISBN 10

0833039717

ISBN 13

9780833039712

Estimating the Accident Risk of Older Drivers

By: David S. Loughran,Seth A. Seabury

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Estimating the Accident Risk of Older Drivers

By: David S. Loughran,Seth A. Seabury

As the U.S. population ages, so will the population of licensed drivers. Policymakers are concerned that this will lead to increases in traffic accidents and, consequently, injury to property and person. This report investigates how this aging will likely affect traffic safety.

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Rand Corporation

Published Date

ISBN 10

0833041398

ISBN 13

9780833041395

The Effect of Reserve Activations and Active-duty Deployments on Local Employment During the Global War on Terrorism

By: David S. Loughran,Jacob Alex Klerman,Bogdan Savych

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The Effect of Reserve Activations and Active-duty Deployments on Local Employment During the Global War on Terrorism

By: David S. Loughran,Jacob Alex Klerman,Bogdan Savych

Today, American service personnel are deploying at rates not seen since the Vietnam War. Such deployments and activations have raised concerns about their effect on the local economies. The authors of this report use econometric models to analyze the impact of activations and deployments on economic conditions, as measured by changes in employment at the county level.

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Publisher

Minnesota Historical Society

Published Date

ISBN 10

0833039008

ISBN 13

9780833039002

Why Is Veteran Unemployment So High?

By: David S. Loughran

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Why Is Veteran Unemployment So High?

By: David S. Loughran

Between 2000 and 2011, younger veterans were more likely to be unemployed than younger non-veterans. This difference falls rapidly with age and time. The evidence supports the hypothesis that veteran unemployment reflects engagement in job search. There is little evidence that veterans are disadvantaged in the labor market. Limiting benefits to veterans might reduce the length of unemployment spells, but the budgetary effect is unclear.

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Rand Corporation

Published Date

ISBN 10

0833085344

ISBN 13

9780833085344

Compensating Wounded Warriors

An Analysis of Injury, Labor Market Earnings, and Disability Compensation Among Veterans of the Iraq and Afghanistan Wars

By: Paul Heaton,David S. Loughran,Amalia R. Miller

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Compensating Wounded Warriors

An Analysis of Injury, Labor Market Earnings, and Disability Compensation Among Veterans of the Iraq and Afghanistan Wars

By: Paul Heaton,David S. Loughran,Amalia R. Miller

This comprehensive, quantitative assessment of how injury sustained by service members deployed to Iraq and Afghanistan affects their subsequent labor market earnings also explores the extent to which retirement and disability payments compensate for any resulting earnings losses. The analysis controls for a rich array of individual-level characteristics, including labor market outcomes prior to deployment.

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112

Publisher

RAND Corporation

Published Date

ISBN 10

0833059319

ISBN 13

9780833059314

Early Results on Activations and the Earnings of Reservists

By: Jacob Alex Klerman,David S. Loughran,Craig W. Martin

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Early Results on Activations and the Earnings of Reservists

By: Jacob Alex Klerman,David S. Loughran,Craig W. Martin

This report describes research using a sample of Army and Air Force reservists activated in 2001 and 2002 for the Global War on Terrorism. It estimates the effect of activation on reservist earnings. The results on earnings and activation reported in this document are early and subject to a number of important caveats, but the estimates do imply less prevalent and severe earnings losses among activated reservists than do estimates derived from DoD survey data.

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Minnesota Historical Society

Published Date

ISBN 10

0833038192

ISBN 13

9780833038197

Analysis of Financial Support to the Surviving Spouses and Children of Casualties in the Iraq and Afghanistan Wars

By: Amalia R. Miller,Paul Heaton,David S. Loughran

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Analysis of Financial Support to the Surviving Spouses and Children of Casualties in the Iraq and Afghanistan Wars

By: Amalia R. Miller,Paul Heaton,David S. Loughran

Examines how the death of service members affects the subsequent labor market earnings of surviving spouses and the extent to which survivor benefits provided by the Department of Defense, the Department of Veterans Affairs, and the Social Security Administration compensate for lost household earnings. Also assesses the extent to which payments surviving spouses and children receive compensate for earnings losses attributable to combat death.

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RAND Corporation

Published Date

ISBN 10

083307668X

ISBN 13

9780833076687

Regulating Older Drivers

Are New Policies Needed?

By: David S. Loughran,Seth A. Seabury,Laura Zakaras

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Regulating Older Drivers

Are New Policies Needed?

By: David S. Loughran,Seth A. Seabury,Laura Zakaras

Are older drivers posing increasing risk to the public? If so, what public policies might mitigate that risk? Older drivers (those 65 and older) are slightly likelier than drivers aged 25 to 64 to cause an accident, but drivers aged 15 to 24 are nearly three times likelier than older drivers to do so. The authors of this paper conclude that stricter licensing policies targeting older drivers would likely not improve traffic safety substantially.

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Rand Corporation

Published Date

ISBN 10

083304284X

ISBN 13

9780833042842

The Effect of Military Enlistment on Earnings and Education

By: David S. Loughran

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The Effect of Military Enlistment on Earnings and Education

By: David S. Loughran

Estimates, for as many as 18 years following enlistment, the causal effect of military enlistment on earnings and educational attainment. The authors address the empirical problems associated with the selective nature of military service by restricting their analysis to military applicants, some of whom enlist and some of whom do not, and by controlling for a rich array of applicant characteristics available on the military application record.

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Technical Report

Published Date

ISBN 10

0833058231

ISBN 13

9780833058232

The Effect of the Assessment of Recruit Motivation and Strength (ARMS) Program on Army Accessions and Attrition

By: David S. Loughran,Bruce R. Orvis

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The Effect of the Assessment of Recruit Motivation and Strength (ARMS) Program on Army Accessions and Attrition

By: David S. Loughran,Bruce R. Orvis

The fraction of American youth meeting U.S. Army enlistment standards for weight and body fat has declined markedly. In response, the Army developed a waiver program tied to a fitness test known as the Assessment of Recruit Motivation and Strength (ARMS) test. Through difference-in-differences estimates and other analytic techniques, the authors examine the program's effect on Army accession and attrition rates.

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RAND Corporation

Published Date

ISBN 10

0833053132

ISBN 13

9780833053138

Wage Growth in the Civilian Careers of Military Retirees

By: David S. Loughran

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Wage Growth in the Civilian Careers of Military Retirees

By: David S. Loughran

More than 20,000 individuals retire each year from the United Statesmilitary who are eligible to receive a guaranteed annuity amounting to halfor more of their basic military pay. Separating from the military at anaverage age of 43, the overwhelming majority of these retirees enter secondcareers in the civilian sector. This book addresses three importantquestions about the civilian labor market experience of military retirees:How do the wages of military retirees upon separation compare with those ofcomparably experienced and educated civilians? Do military retirees enjoyhigher relative wage growth over their second careers than their civilianpeers? Is the transition to civilian employment a difficult process formilitary retirees? The author finds that military retirees earnsubstantially lower wages than their civilian peers upon entering thecivilian labor market and, moreover, the wages of military retirees remainlow relative to civilian wages even as retirees gain civilian labor marketexperience.

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176

Publisher

Minnesota Historical Society

Published Date

ISBN 10

0833030582

ISBN 13

9780833030580

Reserve Recruiting and the College Market

Is a New Educational Benefit Needed?

By: Beth J. Asch,David S. Loughran

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Reserve Recruiting and the College Market

Is a New Educational Benefit Needed?

By: Beth J. Asch,David S. Loughran

The success of the active and reserve components in meeting their national defense missions is contingent on their ability to attract and retain high-quality personnel. Recruiting for the active components has become more challenging as the proportion of high school graduates seeking to attend college directly after high school has increased. Studies of active duty recruiting find that potential high-quality recruits view military service as a substitute for college attendance, not a complement. In an effort to make military service more complementary with college attendance, the active components have enhanced existing educational benefit programs and experimented with new enlistment programs in which enlistees attend college first and serve on active duty second. How the heightened interest in college attendance among American youth has impacted reserve recruiting is less clear. In general, reservists can and do attend college while serving in the Reserves. Some potential recruits, however, may wish to pursue college more intensively than is permitted by a reserve career, especially when one considers the increasing likelihood that a reservist's academic studies will be interrupted by activation. The RAND Corporation was asked to assess whether new programs, such as those offered by some active components, would help the reserve components meet their current and future recruiting goals with respect to high-quality non-prior and prior service recruits. The findings of this project, entitled "Reserve Recruiting and the College Market," are reported in this document. The report is intended to inform policy makers and should be of interest to researchers and policy analysts concerned with military recruiting.

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102

Publisher

Minnesota Historical Society

Published Date

ISBN 10

0833036866

ISBN 13

9780833036865

The Effect of No-fault Automobile Insurance on Driver Behavior and Automobile Accidents in the United States

By: David S. Loughran

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The Effect of No-fault Automobile Insurance on Driver Behavior and Automobile Accidents in the United States

By: David S. Loughran

No-fault auto insurance opponents frequently argue that no-fault may ultimately lead to higher auto insurance costs by reducing drivers' incentives to drive carefully and thereby increasing the accident rate. The intuition behind this criticism of no-fault is simple: No-fault auto insurance lowers the cost of driving negligently by limiting first-party liability for the injuries suffered by third-parties in auto accidents. This book evaluates this criticism of no-fault by examining trends in fatal and non-fatal automobile accidents rates and rates of driver negligence in the United States between 1967 and 1989. Contrary to some earlier research, the author finds no evidence that the adoption of no-fault auto insurance between 1971 and 1976 in 16 states increased fatal accident rates in those states. This book also finds no correlation between the presence of no-fault auto insurance and a state's overall accident rate or rate of driver negligence.

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Rand Corporation

Published Date

ISBN 10

0833030213

ISBN 13

9780833030214

The Battles of Tolkien

An Illustrate Exploration of the Battles of Tolkien's World, and the Sources that Inspired his Work from Myth, Literature and History

By: David Day

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The Battles of Tolkien

An Illustrate Exploration of the Battles of Tolkien's World, and the Sources that Inspired his Work from Myth, Literature and History

By: David Day

The perfect Father's Day gift Tolkien's works are punctuated by dramatic and explosive battles. Men versus Orcs, Elves versus Sauron, Goblins versus Dwarves - the history of Middle-earth has seen some of the greatest characters pitted against each other time and time again. From the iconic battle of Helm's Deep to the Destruction of Isengard, The Battles of Tolkien analyzes each battle in depth, with clear maps showing the lay of the land, and exactly how and where the armies attacked. This is essential reading for anyone who loves Tolkien's works and wants to explore the wars within them. This work is unofficial and is not authorized by the Tolkien Estate or HarperCollins Publishers.

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Page Count

184

Publisher

Pyramid

Published Date

ISBN 10

0753732297

ISBN 13

9780753732298

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