NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Household Finance Working Group


2014
w20762 Patrick Bayer
Fernando Ferreira
Stephen L. Ross

Race, Ethnicity and High-Cost Mortgage Lending

w20745 Lee M. Lockwood
Incidental Bequests: Bequest Motives and the Choice to Self-Insure Late-Life Risks

w20738 John Beshears
James J. Choi
David Laibson
Brigitte C. Madrian

Does Front-Loading Taxation Increase Savings? Evidence from Roth 401(k) Introductions

w20710 Johannes Stroebel
Joseph Vavra

House Prices, Local Demand, and Retail Prices

w20673 Matthew Gentzkow
Jesse M. Shapiro

Measuring the Sensitivity of Parameter Estimates to Sample Statistics

w20625 Emmanuel Saez
Gabriel Zucman

Wealth Inequality in the United States since 1913: Evidence from Capitalized Income Tax Data

w20583 Thais Lærkholm Jensen
Søren Leth-Petersen
Ramana Nanda

Housing Collateral, Credit Constraints and Entrepreneurship - Evidence from a Mortgage Reform

w20561 Benjamin J. Keys
Tomasz Piskorski
Amit Seru
Vincent Yao

Mortgage Rates, Household Balance Sheets, and the Real Economy

w20560 Fatih Guvenen
Greg Kaplan
Jae Song

The Glass Ceiling and The Paper Floor: Gender Differences among Top Earners, 1981-2012

w20549 Hanming Fang
Insurance Markets for the Elderly

w20547 John Laitner
Daniel Silverman
Dmitriy Stolyarov

Annuitized Wealth and Post-Retirement Saving

w20496 Jonathan Zinman
Household Debt: Facts, Puzzles, Theories, and Policies

w20477 Abhijit Banerjee
Esther Duflo
Richard Hornbeck

(Measured) Profit is Not Welfare: Evidence from an Experiment on Bundling Microcredit and Insurance

w20464 Jeffrey R. Brown
James Poterba
David Richardson

Do Required Minimum Distributions Matter? The Effect of the 2009 Holiday On Retirement Plan Distributions

w20437 Lorenz Kueng
Tax News: Identifying Tax Expectations from Municipal Bonds with an Application to Household Consumption

w20435 Jonathan B. Berk
Jules H. van Binsbergen

Assessing Asset Pricing Models Using Revealed Preference

w20411 Neale Mahoney
E. Glen Weyl

Imperfect Competition in Selection Markets

w20408 Cristian Badarinza
John Y. Campbell
Tarun Ramadorai

What Calls to ARMs? International Evidence on Interest Rates and the Choice of Adjustable-Rate Mortgages

w20401 Benjamin J. Keys
Devin G. Pope
Jaren C. Pope

Failure to Refinance

w20360 Danny Yagan
Riding the Bubble? Chasing Returns into Illiquid Assets

w20353 Joanne W. Hsu
David A. Matsa
Brian T. Melzer

Positive Externalities of Social Insurance: Unemployment Insurance and Consumer Credit

w20318 Brigitte C. Madrian
Applying Insights from Behavioral Economics to Policy Design

w20298 Lorenz Kueng
Evgeny Yakovlev

How Persistent Are Consumption Habits? Micro-Evidence from Russia's Alcohol Market

w20287 Morris A. Davis
Stijn Van Nieuwerburgh

Housing, Finance and the Macroeconomy

w20268 Bruce I. Carlin
Li Jiang
Stephen A. Spiller

Learning Millennial-Style

w20251 Raquel Fernández
Joyce Cheng Wong

Free to Leave? A Welfare Analysis of Divorce Regimes

w20246 Marcin Kacperczyk
Jaromir B. Nosal
Luminita Stevens

Investor Sophistication and Capital Income Inequality

w20239 Felipe Kast
Dina Pomeranz

Saving More to Borrow Less: Experimental Evidence from Access to Formal Savings Accounts in Chile

w20158 Charles Yuji Horioka
Are Americans and Indians More Altruistic than the Japanese and Chinese? Evidence from a New International Survey of Bequest Plans

w20154 Stefano Giglio
Matteo Maggiori
Johannes Stroebel

No-Bubble Condition: Model-free Tests in Housing Markets

w20152 Atif Mian
Amir Sufi

House Price Gains and U.S. Household Spending from 2002 to 2006

w20144 Bruno Crépon
Florencia Devoto
Esther Duflo
William Pariente

Estimating the Impact of Microcredit on Those Who Take It Up: Evidence from a Randomized Experiment in Morocco

w20133 Stefano Giglio
Matteo Maggiori
Johannes Stroebel

Very Long-Run Discount Rates

w20127 Keith M. Marzilli Ericson
When Consumers Do Not Make an Active Decision: Dynamic Default Rules and their Equilibrium Effects

w20125 Alexander L. Brown
Joanna N. Lahey

Small Victories: Creating Intrinsic Motivation in Savings and Debt Reduction

w20124 Raimond Maurer
Olivia S. Mitchell
Ralph Rogalla
Ivonne Siegelin

Accounting and Actuarial Smoothing of Retirement Payouts in Participating Life Annuities

w20122 Christian Broda
Jonathan A. Parker

The Economic Stimulus Payments of 2008 and the Aggregate Demand for Consumption

w20110 George M. Constantinides
Anisha Ghosh

Asset Pricing with Countercyclical Household Consumption Risk

w20073 Greg Kaplan
Giovanni L. Violante
Justin Weidner

The Wealthy Hand-to-Mouth

w20058 Mariacristina De Nardi
Fang Yang

Bequests and Heterogeneity in Retirement Wealth

w20024 Nava Ashraf
Diego Aycinena
Claudia Martinez
Dean Yang

Savings in Transnational Households: A Field Experiment among Migrants from El Salvador

w20000 John Y. Campbell
Tarun Ramadorai
Benjamin Ranish

Getting Better or Feeling Better? How Equity Investors Respond to Investment Experience

w19930 James M. Poterba
Retirement Security in an Aging Society

w19835 Florian Scheuer
Kent Smetters

Could a Website Really Have Doomed the Health Exchanges? Multiple Equilibria, Initial Conditions and the Construction of the Fine

w19864 Fatih Guvenen
Greg Kaplan
Jae Song

How Risky Are Recessions for Top Earners?

w19850 Olivier Coibion
Yuriy Gorodnichenko
Marianna Kudlyak
John Mondragon

Does Greater Inequality Lead to More Household Borrowing? New Evidence from Household Data

w19805 Ganesh Seshan
Dean Yang

Motivating Migrants: A Field Experiment on Financial Decision-Making in Transnational Households

w19798 Hyun-Soo Choi
Harrison Hong
Jeffrey Kubik
Jeffrey P. Thompson

When Real Estate is the Only Game in Town


2013
w19747 David Yermack
Is Bitcoin a Real Currency? An economic appraisal

w19684 Efstathios Avdis
Jessica A. Wachter

Maximum likelihood estimation of the equity premium

w19682 Jonathan Zinman
Consumer Credit: Too Much or Too Little (or Just Right)?

w19654 Kelly Bedard
Peter J. Kuhn

Making Nutritional Information Digestible: Effects of a Receipt-Based Intervention on Restaurant Purchases

w19606 Sumit Agarwal
Itzhak Ben-David
Vincent Yao

Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market

w19591 Robert L. Clark
Jennifer A. Maki
Melinda Sandler Morrill

Can Simple Informational Nudges Increase Employee Participation in a 401(k) Plan?

w19583 Andreas Hubener
Raimond Maurer
Olivia S. Mitchell

How Family Status and Social Security Claiming Options Shape Optimal Life Cycle Portfolios

w19569 Clemens Sialm
Laura Starks
Hanjiang Zhang

Defined Contribution Pension Plans: Sticky or Discerning Money?

w19568 Ralph S.J. Koijen
Motohiro Yogo

Shadow Insurance

w19566 Robert Clark
Melinda Morrill
David Vanderweide

The Effects of Retiree Health Insurance Plan Characteristics on Retirees' Choice and Employers' Costs

w19550 Sumit Agarwal
Gene Amromin
Itzhak Ben-David
Souphala Chomsisengphet
Douglas D. Evanoff

Predatory Lending and the Subprime Crisis

w19543 Thomas F. Crossley
Joachim K. Winter

Asking Households About Expenditures: What Have We Learned?

w19527 Keith M Marzilli Ericson
Amanda Starc

How Product Standardization Affects Choice: Evidence from the Massachusetts Health Insurance Exchange

w19511 Robert Clark
Olivia S. Mitchell

How Does Retiree Health Insurance Influence Public Sector Employee Saving?

w19500 Kent Smetters
Xingtan Zhang

A Sharper Ratio: A General Measure for Correctly Ranking Non-Normal Investment Risks

w19484 Sumit Agarwal
Souphala Chomsisengphet
Neale Mahoney
Johannes Stroebel

Regulating Consumer Financial Products: Evidence from Credit Cards

w19421 Hui Chen
Michael Michaux
Nikolai Roussanov

Houses as ATMs? Mortgage Refinancing and Macroeconomic Uncertainty

w19392 James Andreoni
Michael A. Kuhn
Charles Sprenger

On Measuring Time Preferences

w19386 Rong Hai
Dirk Krueger
Andrew Postlewaite

On the Welfare Cost of Consumption Fluctuations in the Presence of Memorable Goods

w19384 Keith M. Marzilli Ericson
Andreas Fuster

The Endowment Effect

w19323 Dean Corbae
Erwan Quintin

Leverage and the Foreclosure Crisis

w19319 Chong Wang
Neng Wang
Jinqiang Yang

Optimal Consumption and Savings with Stochastic Income

w19296 Marco Bassetto
Marco Cagetti
Mariacristina De Nardi

Credit Crunches and Credit Allocation in a Model of Entrepreneurship

w19241 Justine S. Hastings
Christopher A. Neilson
Seth D. Zimmerman

Are Some Degrees Worth More than Others? Evidence from college admission cutoffs in Chile

w19211 Felix Reichling
Kent Smetters

Optimal Annuitization with Stochastic Mortality Probabilities

w19206 Vanya Horneff
Raimond Maurer
Olivia S. Mitchell
Ralph Rogalla

Optimal Life Cycle Portfolio Choice with Variable Annuities Offering Liquidity and Investment Downside Protection

w19193 John Beshears
James J. Choi
David Laibson
Brigitte C. Madrian

Who Uses the Roth 401(k), and How Do They Use It?

w19189 Nicholas Barberis
Robin Greenwood
Lawrence Jin
Andrei Shleifer

X-CAPM: An Extrapolative Capital Asset Pricing Model

w19168 Jeffrey R. Brown
Arie Kapteyn
Erzo F.P. Luttmer
Olivia S. Mitchell

Cognitive Constraints on Valuing Annuities

w19151 Mariacristina De Nardi
Eric French
John Bailey Jones

Medicaid Insurance in Old Age

w19130 Emel Filiz-Ozbay
Jonathan Guryan
Kyle Hyndman
Melissa Schettini Kearney
Erkut Y. Ozbay

Do Lottery Payments Induce Savings Behavior: Evidence from the Lab

w19103 Robin L. Lumsdaine
Rogier J.D. Potter van Loon

Wall Street vs. Main Street: An Evaluation of Probabilities

w19069 Victor Stango
Jonathan Zinman

Borrowing High vs. Borrowing Higher: Sources and Consequences of Dispersion in Individual Borrowing Costs

w19035 Liran Einav
Jonathan D. Levin

The Data Revolution and Economic Analysis

w18950 Esther Duflo
Abhijit Banerjee
Rachel Glennerster
Cynthia G. Kinnan

The Miracle of Microfinance? Evidence from a Randomized Evaluation

w19020 Patrick Bayer
Fernando Ferreira
Stephen L. Ross

The Vulnerability of Minority Homeowners in the Housing Boom and Bust

w18965 Stuart A. Gabriel
Matthew E. Kahn
Ryan K. Vaughn

Congressional Influence as a Determinant of Subprime Lending

w18922 Stéphane Guibaud
Yves Nosbusch
Dimitri Vayanos

Bond Market Clienteles, the Yield Curve, and the Optimal Maturity Structure of Government Debt

w18910 Umit G. Gurun
Gregor Matvos
Amit Seru

Advertising Expensive Mortgages

w18907 Julie Agnew
Joshua Hurwitz

Financial Education and Choice in State Public Pension Systems

w18883 Marianne Bertrand
Adair Morse

Trickle-Down Consumption

w18881 Justine S. Hastings
Ali Hortaçsu
Chad Syverson

Advertising and Competition in Privatized Social Security: The Case of Mexico

w18868 Manuel Adelino
Antoinette Schoar
Felipe Severino

House Prices, Collateral and Self-Employment

w18847 Li Gan
Manuel A. Hernandez
Yanyan Liu

Group Lending with Heterogeneous Types

w18843 Tomasz Piskorski
Amit Seru
James Witkin

Asset Quality Misrepresentation by Financial Intermediaries: Evidence from RMBS Market

w18764 Veronika K. Pool
Clemens Sialm
Irina Stefanescu

It Pays to Set the Menu: Mutual Fund Investment Options in 401(k) Plans

w18748 Stefano DellaVigna
John A. List
Ulrike Malmendier
Gautam Rao

The Importance of Being Marginal: Gender Differences in Generosity

w18743 Stephen G. Dimmock
Roy Kouwenberg
Olivia S. Mitchell
Kim Peijnenburg

Ambiguity Aversion and Household Portfolio Choice: Empirical Evidence

w18742 B. Douglas Bernheim
Debraj Ray
Sevin Yeltekin

Poverty and Self-Control

w18667 Karl E. Case
John M. Quigley
Robert J. Shiller

Wealth Effects Revisited: 1975-2012

w18669 Annamaria Lusardi
Pierre-Carl Michaud
Olivia S. Mitchell

Optimal Financial Knowledge and Wealth Inequality


Generated Sat Dec 27 00:00:17 2014

 
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