from the 2010 Household Finance and Consumption Survey (HFCS). We are particularly interested in the way in which specific …

social programs, savings and the labor supplies of all adult household members. The optimal policy mix focuses mainly on … Social Assistance, which provides a permanent universal household income oor, with a minor role for temporary earnings …-related Unemployment Insurance. Reecting that married couples obtain intra-household insurance by making labor supply choices for both …

We study the role of household saving behaviour, of individual motives for saving and that of perceived liquidity … constraints in 15 Euro Area countries. The empirical analysis is based on the Household Finance and Consumption Survey, a new … harmonized data set collecting detailed information on wealth holdings, consumption and income at the household level. Since the …

document substantial heterogeneity across these dimensions. The median household in the euro area has a positive interest rate …

are significant differences regarding the marital status, the presence of at least one child in the household and whether … the household is located in a former West or East German federal state. Married couples and couples with children are …

, savings, and the labor supplies of all adult household members. We show that the optimal policy mix is dominated by moderately … generous social assistance, which guarantees a permanent universal minimum household income, with only a minor role for …