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Life-cycle inequality: The black and white differential
De Giorgi, Giacomo; Gambetti, Luca; Naguib, Costanza - 2023
from similar positions in the consumption distribution Blacks end up in lower percentiles than Whites. Education, income …
Persistent link: https://www.econbiz.de/10014374405
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Household savings decision and income uncertainty
Beznoska, Martin; Ochmann, Richard - 2010
This paper empirically investigates the effects of changes in the interest rate as well as transitory income … significant effects of precautionary savings on the consumption-savings decision. As a result of a doubling of transitory income …. -- Consumption-savings decision ; interest rate elasticity of savings ; income uncertainty …
Persistent link: https://www.econbiz.de/10009261306
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Life-cycle inequality: blacks and whites differentials in life expectancy, savings, income, and consumption
De Giorgi, Giacomo; Gambetti, Luca; Naguib, Costanza - 2021
Life expectancy for Blacks is about 8 year shorter than for Whites. A shorter life expectancy, in line with the theoretical prediction of a simple model, determines a much lower amount of savings and wealth accumulation and therefore a lower degree of insurance. This, in turn, contributes to...
Persistent link: https://www.econbiz.de/10012488486
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Identifying the Benefits from Home Ownership : A Swedish Experiment
Sodini, Paolo - 2017
with similar tenants. Granular data on demographics, income, housing and financial wealth, and debt allow us to construct … consumption in the wake of an adverse income shock. We also find a positive but short-lived effect on labor supply …
Persistent link: https://www.econbiz.de/10012969184
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Earning and Saving Competences of Individuals in a Local Community in Poland
Liberda, Barbara - 2011
The aim of this paper is to identify variables that affect the capability of an individual to earn and save income. Our …
Persistent link: https://www.econbiz.de/10013126084
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Household Savings Decision and Income Uncertainty
Beznoska, Martin - 2010
This paper empirically investigates the effects of changes in the interest rate as well as transitory income … significant effects of precautionary savings on the consumption-savings decision. As a result of a doubling of transitory income …
Persistent link: https://www.econbiz.de/10013138012
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Life-cycle inequality : the black and white differential
De Giorgi, Giacomo; Gambetti, Luca; Naguib, Costanza - 2023
from similar positions in the consumption distribution Blacks end up in lower percentiles than Whites. Education, income …
Persistent link: https://www.econbiz.de/10013489420
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The effects of labor income risk heterogeneity on the marginal propensity to consume
Savoia, Ettore - 2023
Using detailed micro-data, this paper documents that households with lower income risk (and higher income levels …) exhibit a higher Marginal Propensity to Consume (MPC) in response to transitory income shocks, all else being equal. This … designed to account for the empirically observed negative correlation between income levels and income risk. This interaction …
Persistent link: https://www.econbiz.de/10014482888
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Savings by and for the Poor: A Research Review and Agenda-Working Paper 346
Dean Karlan, Aishwarya Lakshmi Ratan, Jonathan Zinman - 2013
The poor can and do save, but often use formal or informal instruments that have high risk, high cost, and limited functionality. This could lead to undersaving compared to a world without market or behavioral frictions. Undersaving can have important welfare consequences: variable consumption,...
Persistent link: https://www.econbiz.de/10010729174
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A microeconometric analysis of household savings determinants in Morocco
El Mekkaoui de Freitas, Najat; Mage-Bertomeu, Sabine; … - Université Paris-Dauphine (Paris IX) - 2010
urban areas but the econometric results do not support this conclusion. Current income strongly affects the savings level in … heads of household save more than men, except for highest income levels. The results clearly show that urban and rural …
Persistent link: https://www.econbiz.de/10010717674