and savings decisions of singles and married couples. Partial insurance against wage and employment shocks is provided by … social programs, savings and the labor supplies of all adult household members. The optimal policy mix focuses mainly on …

-person households (e.g. with a husband and a wife) from the Dutch CentER Savings Survey, we find that wives find saving for old age more …

separation. Instead, households rely on remittances and, to a lesser extent, savings in the wake of a job separation. I find some …

We analyze how sexual orientation is related to household savings using 2000 US Census data, and find that gay and … their married counterparts. In a household savings model, we interpret this homosexual-specific differential as due to the … than married ones. Evidence from homeowners' ratio of mortgage payments to house value exhibits the same pattern of savings …

transition economies to estimate the impacts of privatization on employment and wages. The results in all four countries … consistently reject job losses and they never imply large wage cuts from privatization to either foreign or domestic owners. The … domestic privatization estimates are close to zero for employment, while for wages they are negative but small in magnitude …

We explore whether a protective role for savings against future financial hardship exists using household level panel …. A two-part process is important given the considerable inflation at zero when analysing financial problems. The model is …