This paper provides empirical evidence on life-cycle patterns in the asset allocation of Swedish households. Data on household portfolio allocation are collected from the HINK surveys for the period 1982-1992, and portfolio shares of different asset categories are regressed on age, period, and...

We measure consumers' use of cash by harmonizing payment diary surveys from seven countries. The seven diary surveys were conducted in 2009 (Canada), 2010 (Australia), 2011 (Austria, France, Germany and the Netherlands), and 2012 (the United States). Our paper finds cross-country differences –...

Die heute verfügbaren Zahlungssysteme erlauben aufgrund zu hoher Transaktionskosten und Bearbeitungszeiten keine sinnvolle Verrechnung von Kleinstbeträgen. Die Einzelabrechnung von Micropayments ist ökonomisch und technologisch ineffizient...

During recent years the management of Intellectual Property (IP) underwent major changes. IP management systems became increasingly complex nowadays actively handling an integrated mix of intellectual assets rather than just administrating patents or trademarks as single, independently treated...

Although reading is a fundamental skill, many students leave school without being proficient readers. We examine a literacy program targeting students most at-risk of reading difficulties in kindergarten and first grade. The program includes multi-sensory learning methods, which focus on...