Seit geraumer Zeit geht die gesamtwirtschaftliche Sparquote in Deutschland zurück. Ursächlich dafür sind vor allem die …In recent years the aggregate savings ratio in Germany has declined. The basic causes are, above all, the rise in … insurance between the household categories than in the difference in their savings rates. Whereas the average amount saved on …

provided by the Austrian household budget survey 2009/10. We apply a Two-Part Model (Logit/OLS with log-transformed dependent … household size and the level of education, while household income shows mixed results on both stages. Private health insurance … way compared to the intensity decision. This is especially true for age, sex, household structure and the status of …