Using data from the first two Waves of the Health and Retirement Survey (HRS), this research examines the relationship between migration, family change, and work status change in later mid-life. The results suggest that both family and work status change have significant effects on mobility in...

We develop a model of discrimination by creditors in credit markets, where discrimination is motivated by either profit maximization or prejudice against minorities. The model implies that for the "over-qualified" debtors, if loans to minority debtors have lower conditional expected write-offs...