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- Who Uses Electronic Banking? Results from the 1995 Survey of Consumer Finances
- This paper suggests that relatively few households use relatively new electronic technologies, and that household use of electronic sources of information for financial decision making is barely off the ground. This paper also reports results of one of the first, and to our knowledge the most comprehensive, attempts to implement...
- White papers 1997-01-01
- Leaving Gateway Metropolitan Areas: Immigrants and the Housing Market
- The empirical approach in this paper is to estimate models of housing tenure choice on a sample of recent movers. Immigration has long been a force that shapes the housing and labor markets in gateway metropolitan areas. This study focuses on the housing outcomes of households who currently live in...
- White papers 2004-08-29
- Pathways to Homeownership: An Analysis of the Residential and Homeownership Choices of Black Households in Los Angeles
- This research applies individual level Census data from the Los Angeles area to explicitly model the residential location and tenure choice decisions of African-American households. Research findings indicate substantial variation across African-American and white households in the determinants of locational choice among South Central L.A., other parts of Los Angeles,...
- White papers 2001-09-01
- Hedging Private International Real Estate
- In this paper, the researchers have expanded the realistic nature of the simulation model, particularly as it pertains to the terminal exit value at the end of the holding period. The empirical approach in this paper is to estimate models of housing tenure choice on a sample of recent movers....
- White papers 2005-01-01
- Incorporating Responsiveness To Marketing Efforts When Modeling Brand Choice
- This paper puts forward a brand choice model which incorporates responsiveness to marketing efforts as a form of structural heterogeneity. It introduces two latent segments of households. The households in the first segment are assumed to respond to marketing efforts while households in the second segment do not do so....
- White papers 2001-08-01
- An Empirical Model of Household Arrears
- Household arrears on payment obligations are one of the most direct measures of household sector financial stress. In this paper a time series approach is used to model two of the key components of aggregate UK household arrears: those on mortgages and credit cards. Mortgages are the main component of...
- White papers 2004-03-05
- Social Security And Unsecured Debt
- Most young households simultaneously hold both unsecured debt on which they pay an average of 10 percent interest and social security wealth on which they earn less than 2 percent. We document this fact using data from the Panel Study of Income Dynamics. We then consider a life-cycle model with...
- White papers 2004-12-01
- Time Management Tips For Your Household & Family
- Remember when your mom always told you to stay organized and you would have more time? Of course you do. How often have you misplaced something and thought if you don't find it you would fall apart? If you find yourself still losing items it's time to stop! Stop putting...
- White papers 2007-01-01
- CNW Survey: Wealthy Households Worry About Gas Prices, Too
- It took a couple of years of high gas prices, but since gas topped $3 per gallon and mostly stayed there, even the wealthiest households have increasingly begun to take gas prices into account when choosing a vehicle, according to a survey by CNW Marketing Research, Bandon, Ore. ...
- Blog posts 2008-05-16
- The Living Low Paid | BTalk Australia
- (16min 48) There’s a concern that the unempoyment rate will rise this year, but what about those people working part-time for a low wage? It’s an increasing proportion of the Australian workforce yet it attracts little attention from policy makers. On today’s BTalk Australia Phil Dobbie talks...
- Blog posts 2009-03-04
- Changes in the Use of Electronic Means of Payment: 1995-2001
- This document updates table based on data from the 2001 Survey of Consumer Finances conducted on the use of electronic banking. This document updates the statistics indicating how the use of various means of electronic payment has changed between 1995, 1998, and 2001. It notes that the use of electronic...
- White papers 2003-09-26
- Extending the Gas Network - Cost Benefit Analysis
- This paper focuses on a preliminary cost benefit analysis of connecting households estimated to be in non-gas settlements (150+ households) to the gas network. This is estimated to account for just less than half non gas households. Potential fuel cost savings are significant, much more significant than the benefits estimated...
- White papers 2001-12-22
- Intra-Metropolitan Mobility, Residential Location, And Homeownership Choice Among Minority And White Households: Estimates Of A Nested Multinomial Logit Model
- This paper estimates a three-level nested multinomial logit model of household intra-metropolitan mobility, residential location, and homeownership choice. In so doing, the study applies individual level 1990 Census data to test relevant economic, demographic, and neighborhood hypotheses. The model is then simulated to assess the effects of changes in household...
- White papers 2002-12-01
- Owner-Occupied Housing as a Hedge Against Rent Risk
- Many people assume that the most significant risk in the housing market is that homeowners are exposed to fluctuations in house values. However, homeownership also provides a hedge against fluctuations in future rent payments. This paper finds that, even though house price risk endogenously increases with rent risk, the latter...
- White papers 2003-01-01
- U.S. Household Ownership of Closed-End Funds in 2001
- The median age of individuals heading households owning closed-end funds was 48 in 2001.About three-quarters of these individuals were married and 71 percent were employed. Two-thirds had college or postgraduate degrees, whereas 39 percent of individuals heading all U.S. households had college or postgraduate degrees. Thirty-seven percent of individuals heading...
- White papers 2002-03-01
- Housing, Consumption, and Credit Constraints
- The paper tests the credit-market effects of housing wealth shocks by estimating the consumption elasticity of house price shocks among households in different age quintiles. Younger households face faster expected income growth and hence would like to borrow more than older households. It estimate consumption elasticity's from housing wealth by...
- White papers 2004-09-29
- The Decline in Household Saving and the Wealth Effect
- Using a unique set of household level panel data, the paper estimates the effect of capital gains on saving by asset type, controlling for observable and unobservable household specific fixed effects. The results suggest that the decline in the personal saving rate since 1984 is largely due to the significant...
- White papers 2004-04-01
- Chapter 8: Energy and the Vulnerable
- Most of the people take for granted being able to turn the lights on and keep their homes warm. But for some people, basic energy needs account for a disproportionate amount of their income. The aim of the paper is that as far as reasonably practicable no household should be...
- White papers 2003-02-26
- Chapter 6: Tackling Fuel Poverty in Wales
- The National Assembly subscribes to the dual definitions of fuel poverty in Annex D however there is no direct estimate of the number of fuel poor Welsh households. Whilst the National Assembly has set in motion plans to determine the extent and distribution of fuel poverty, an indication of the...
- White papers 2001-11-14
- Chapter 1: The Causes and Effects of Fuel Poverty
- A fuel poor household is one that cannot afford to keep adequately warm at reasonable cost. The most widely accepted definition of a fuel poor household is one which needs to spend more than 10% of its income on all fuel use and to heat its home to an adequate...
- White papers 2001-11-19
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