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Why use debit instead of credit? : consumer choice in a trillion-dollar market
Zinman, Jonathan (contributor) - 2004 - [Elektronische Ressource]
Debit cards are overtaking credit cards as the most prevalent form of electronic payment at the point of sale, yet the determinants of a ubiquitous consumer choice - "debit or credit?" - have received relatively little scrutiny. Several stylized facts suggest that debit-card use is driven by...
Persistent link: https://www.econbiz.de/10002521756
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Insolvency after the 2005 bankruptcy reform
Albanesi, Stefania; Nosal, Jaromir B. - Federal Reserve Bank of New York - 2015
Using a comprehensive panel dataset on U.S. households, we study the effects of the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA), the most substantive reform of personal bankruptcy in the United States since the Bankruptcy Reform Act of 1978. The 2005 legislation...
Persistent link: https://www.econbiz.de/10011254936
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Measuring student debt and its performance
Lee, Donghoon; van der Klaauw, Wilbert H; Haughwout, … - Federal Reserve Bank of New York - 2014
Studies continue to indicate that higher education is frequently a worthwhile investment for individuals and that it raises the productivity of the workforce as a whole. While the rising cost of post-secondary education has not eliminated this "college premium," it has raised new questions about...
Persistent link: https://www.econbiz.de/10010762559
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Business cycle fluctuations and the distribution of consumption
De Giorgi, Giacomo; Gambetti, Luca - Federal Reserve Bank of New York - 2015
This paper sheds new light on the interactions between business cycles and the consumption distribution. We use Consumer Expenditure Survey data and a factor model to characterize the cyclical dynamics of the consumption distribution. We first establish that our approach is able to closely match...
Persistent link: https://www.econbiz.de/10011189147
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Modeling uncertainty : predictive accuracy as a proxy for predictive confidence
Rich, Robert W. (contributor); Tracy, Joseph S. (contributor) - 2003 - [Elektronische Ressource]
Persistent link: https://www.econbiz.de/10001751995
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Idiosyncratic risk and volatility bounds, or can models with idiosyncratic risk solve the equity premium puzzle?
Lettau, Martin (contributor) - 2001 - [Elektronische Ressource]
Persistent link: https://www.econbiz.de/10001590071
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Welcoming remarks at Workshop on the Risks of Wholesale Funding
Dudley, William - Federal Reserve Bank of New York - 2014
Remarks at the Workshop on the Risks of Wholesale Funding, Federal Reserve Bank of New York, New York City.
Persistent link: https://www.econbiz.de/10010890130
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Barriers to household risk management: evidence from India
Cole, Shawn; Giné, Xavier; Tobacman, Jeremy; Topalova, … - Federal Reserve Bank of New York - 2009
purchase the insurance, even though they overwhelmingly cite rainfall variability as their most significant source of risk. We … preliminary lessons for improving the design of household risk management contracts. … insurance product designed to compensate low-income Indian farmers in the event of insufficient rainfall during the primary …
Persistent link: https://www.econbiz.de/10005004154
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Student debt and higher education financing: a public finance perspective
McAndrews, James Joseph - Federal Reserve Bank of New York - 2015
Remarks at the National Association of College and University Business Officers, at the Waldorf Astoria, New York City.
Persistent link: https://www.econbiz.de/10011160719
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Debt, jobs, or housing: what's keeping millennials at home?
Brown, Meta; Lee, Donghoon; van der Klaauw, Wilbert H; … - Federal Reserve Bank of New York - 2014
parents or other substantially older household members have emerged as youth increasingly forsake living alone or with groups …
Persistent link: https://www.econbiz.de/10011082708