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Non-take-up of Tax-favored Savings Plans: Are Household Portfolios Optimal?

Alessie, Rob; Hochguertel, Stefan; Soest, Arthur van - Tinbergen Institute - 2002

Since the early nineties, the Dutch tax system allows for a tax-favored form of risk free savings through employer …- sponsored savings plans (ESSPs). Under some conditions and up to a certain amount, the contributions to this plan are tax … suggests that those who have access to this type of savings should participate in them, provided they have some financial …

Persistent link: https://www.econbiz.de/10005795582

Retirement Choices in Italy: What an Option Value Model tells us

Belloni, Michele; Alessie, Rob - Tinbergen Institute - 2010

Using Italian data, we estimate an option value model to quantify the effect

Persistent link: https://www.econbiz.de/10008838550

Entrepreneurial Moral Hazard in Income Insurance

Ejrnaes, Mette; Hochguertel, Stefan - Tinbergen Institute - 2008

We study risk behavior of Danish self-employed entrepreneurs, whose income risk may be driven by both exogenous factors and effort choice (moral hazard). Partial insurance is available through voluntary unemployment insurance (UI). Additional incentives to sign insurance contracts stem from a...

Persistent link: https://www.econbiz.de/10005144470

US and European Household Debt and Credit Constraints

Crook, Jonathan; Hochguertel, Stefan - Tinbergen Institute - 2007

consumption models, including a numerically solved precautionary savings model. We find that inter-country differences are …

Persistent link: https://www.econbiz.de/10005137368

Mapping the Minds of Retirement Planners

Hershey, Douglas A.; Henkens, Kène; Dalen, Hendrik P. van - Tinbergen Institute - 2006

This study explored the psychological mechanisms that underlie the retirement planning and saving tendencies of Dutch and American workers. Participants were 988 Dutch and 429 Americans, 25-64 years of age. Analyses were designed to: (a) examine the extent to which structural variables were...

Persistent link: https://www.econbiz.de/10005144426

New Developments in the Measurement of Welfare and Well-being

Praag, Bernard M.S. van; Plug, Erik J.S. - Tinbergen Institute - 2012

This paper is dating from 1995, when it has been presented at the Ragnar Frisch Centennial Memorial Conference in Oslo. It has never been published before. In this paper for the first time the Cantril ladder question data have been employed in the way which later has become known as happiness...

Persistent link: https://www.econbiz.de/10009415516

Education and Entrepreneurial Choice: An Instrumental Variables Analysis

Block, Joern H.; Hoogerheide, Lennart; Thurik, Roy - Tinbergen Institute - 2009

Education is argued to be an important driver of the decision to start a business. The measurement of its influence, however, is difficult since it is considered to be an endogenous variable. This study accounts for this endogeneity by using an instrumental variables approach

Persistent link: https://www.econbiz.de/10008513229

Slipping Anchor? Testing the Vignettes Approach to Identification and Correction of Reporting Heterogeneity

d'Uva, Teresa Bago; Lindeboom, Maarten; O'Donnell, Owen; … - Tinbergen Institute - 2009

Anchoring vignettes are increasingly used to identify and correct heterogeneity in the reporting of health, work disability, life satisfaction, political efficacy, etc. with the aim of improving interpersonal comparability of subjective indicators of these constructs. The method relies on two...

Persistent link: https://www.econbiz.de/10008513233

A Joint Framework for Category Purchase and Consumption Behavior

Oest, Rutger van; Paap, Richard; Franses, Philip Hans - Tinbergen Institute - 2002

We propose a consistent utility-based framework to jointly explain a household's decisions on purchase incidence, brand choice and purchase quantity. The approach differs from other approaches, currently available in the literature, as it is able to take into account consumption dynamics. In the...

Persistent link: https://www.econbiz.de/10005137035

Dual Track or Academic Route for Auditors

Jonker, Nicole; Ophem, Hans van; Hartog, Joop - Tinbergen Institute - 2002

In the Netherlands auditors can be trained in a part-time educational track in which students combine working and studying or in a full-time educational track. The former training is relatively firm-specific whereas the latter training is relatively general. Applying human capital theory, we...

Persistent link: https://www.econbiz.de/10005504888