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COVID-19 and People's Health-Wealth Preferences : Information Effects and Policy Implications
Hargreaves Heap, Shaun P. - 2020
Policy makers responding to COVID-19 need to know people's relative valuation of health over wealth. Loosening and tightening lockdowns moves a society along a (perceived) health-wealth trade-off and the associated changes have to accord with the public's relative valuation of health and wealth...
Persistent link: https://www.econbiz.de/10012833584
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Exposure to the COVID-19 Stock Market Crash and its Effect on Household Expectations
Hanspal, Tobin - 2020
, desired working hours, and household debt, but have only small effects on expected spending. We provide correlational and …
Persistent link: https://www.econbiz.de/10012835653
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Exposure to the COVID-19 Stock Market Crash and its Effect on Household Expectations
Hanspal, Tobin - 2020
, desired working hours, and household debt, but have only small effects on expected spending. We provide correlational and …
Persistent link: https://www.econbiz.de/10012836671
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Exposure to the COVID-19 stock market crash and its effect on household expectations
Hanspal, Tobin; Weber, Annika; Wohlfart, Johannes - 2020
, desired working hours, and household debt, but have only small effects on expected spending. We provide correlational and …
Persistent link: https://www.econbiz.de/10012223788
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A critique of the literature on the US financial debt crisis
Stein, Jerome L. - 2010
leverage, the optimum and excessive risk and the probability of a debt crisis. The theoretically founded early warning signals … crisis ; optimal leverage and debt ratios ; Congressional Oversight Panel ; Case-Shiller index …
Persistent link: https://www.econbiz.de/10003936616
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Household debt and saving during the 2007 recession
Chakrabarti, Rajashri; Lee, Donghoon; Klaauw, Wilbert … - 2011
Using credit report records and data collected from several household surveys, we analyze changes in household debt and … appears to reflect a considerable decline in household debt, as households paid down mortgage debt in particular. At the end … of 2009, individuals expected to continue increasing their saving and paying down of debt, which is consistent with what …
Persistent link: https://www.econbiz.de/10008935752
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The Failure of Northern Rock: A multi-dimensional Case Study
Congdon, Tim; Goodhart, Charles A.E.; Eisenbeis, Robert A. - 2009
In August 2007 the United Kingdom experienced its first bank run in over 140 years. Although Northern Rock was not a particularly large bank (it was at the time ranked 7th in terms of assets) it was nevertheless a significant retail bank and a substantial mortgage lender. In fact, ten years...
Persistent link: https://www.econbiz.de/10011689937
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Do financial counseling mandates improve mortgage choice and performance? : evidence from a legislative experiment
Agarwal, Sumit; Amromin, Gene; Ben-David, Itzhak; … - 2009
We explore the effects of mandatory third-party review of mortgage contracts on the terms, availability, and performance of mortgage credit. Our study is based on a legislative experiment in which the State of Illinois required “high-risk” mortgage applicants acquiring or refinancing...
Persistent link: https://www.econbiz.de/10003892591
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The responsible homeowner reward : an incentive-based solution to strategic mortgage default
Edmans, Alex - 2010
behavioral impact. RH Reward bears similarities to the idea of compensating CEOs with “inside debt” to deter bondholder …
Persistent link: https://www.econbiz.de/10009355425
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Why did so many people make so many ex post bad decisions? : the causes of the foreclosure crisis
Foote, Christopher L.; Gerardi, Kristopher; Willen, Paul - 2012 - This version: May 2, 2012
This paper presents 12 facts about the mortgage market. The authors argue that the facts refute the popular story that the crisis resulted from financial industry insiders deceiving uninformed mortgage borrowers and investors. Instead, they argue that borrowers and investors made decisions that...
Persistent link: https://www.econbiz.de/10009530746