consumption after being tested HIV positive. The paper describes different effects on aggregate savings according to different … stages of the epidemic. We show that the HIV epidemic decreases savings if especially young individuals are (perceived to be …) affected by the virus, but may increase savings if individuals perceive a sizable probability of getting infected later in life …

ex-ante homeowners who rate (cash-out) refinance an existing loan to increase savings (consumption) are significantly …

loan to increase lifetime savings are significantly more likely to underestimate their house value, while homeowners who …

virtually every type of household. Even though this motive does not give rise to large amounts of wealth for young and middle …

This paper surveys the existing literature on the determinants of household savings and credit in developing countries … and examines the ways in which macro-level policies might impact on household financial behaviour …

consumption, the precautionary saving channel and the investment-employment channel. Then, we use the household survey data (China …Economic policy uncertainty is proven to have an important effect on household consumption. However, the literature on … its transmission mechanism and on comparing the consumption response of urban and rural households, especially in China …

According to the standard life cycle model, household saving rate should peak at the best working age and turn then to … decline so that households dissolve their savings after retirement. This study examines, how age and birth cohort affect the …

This paper examines the substitution between pension wealth and household saving by studying Norway's 2011 pension … reform. The analysis identifies the effect of reductions in social security pension generosity on household saving using … reform, which corresponds to a five-year increase in household saving of about 27,000 NOK. When taking into account the …