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Intergenerational Transfers Borrowing Contraints And Saving Behavior
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Book Synopsis Intergenerational Transfers, Borrowing Constraints, and Saving Behavior by : Gary V. Engelhardt
Download or read book Intergenerational Transfers, Borrowing Constraints, and Saving Behavior written by Gary V. Engelhardt and published by . This book was released on 2011 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines the effects of intergenerational transfers on saving behavior by examining private wealth transfers targeted toward first-time home purchases. The study of transfer behavior in the housing market is advantageous for a number of reasons: the down payment requirement associated with home purchase can be thought of as an important, well-defined borrowing constraint that most U.S. households face; private wealth transfers targeted to home purchases are significant; and home equity is a highly important component of household wealth in the United States. The empirical analysis shows that transfer recipients have a saving rate that is lower than that of non-recipients by as much as 6 percentage points, representing a reduction of 39 to 49 percent in the household saving rate. In addition, households that receive transfers reduce the time required to save for the down payment by 22 percent. For each dollar of transfer received, households increase the dollar amount of the down payment by about 85 cents, allowing them to achieve a higher down payment threshold. Households also increase the value of the home purchased upon receiving a transfer, but by an amount that is much lower than would be possible if the transfer were fully leveraged. The amount of the transfer appears to be targeted to help households achieve certain down payment thresholds that give favorable terms on mortgages. Although the evidence suggests that the availability of a transfer reduces household savings, we cannot reject the alternative hypothesis that transfer recipients are inherently low savers.
Book Synopsis Intergenerational Transfers, Borrowing Constraints, and Saving Behavior by : Gary V. Engelhardt
Download or read book Intergenerational Transfers, Borrowing Constraints, and Saving Behavior written by Gary V. Engelhardt and published by . This book was released on 1995 with total page 50 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Intergenerational Transfers, Borrowing Contraints, and Saving Behavior by : Gary V. Engelhardt
Download or read book Intergenerational Transfers, Borrowing Contraints, and Saving Behavior written by Gary V. Engelhardt and published by . This book was released on 1995 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Intergenerational Transfers, Borrowing Constraints and Household Size by : Edward J. Seiler
Download or read book Intergenerational Transfers, Borrowing Constraints and Household Size written by Edward J. Seiler and published by . This book was released on 1999 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis INTERGENERATIONAL TRANSFERS, BORROWING CONSTRAINTS AND THE TIMING OF HOME OWNERSHIP by : Luigi GUISO
Download or read book INTERGENERATIONAL TRANSFERS, BORROWING CONSTRAINTS AND THE TIMING OF HOME OWNERSHIP written by Luigi GUISO and published by . This book was released on 1996 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Intergenerational Transfers, Saving Behavior and Fertility Choice by : Roberta Gatti
Download or read book Intergenerational Transfers, Saving Behavior and Fertility Choice written by Roberta Gatti and published by . This book was released on 1998 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Preparing for an Aging World by : National Research Council
Download or read book Preparing for an Aging World written by National Research Council and published by National Academies Press. This book was released on 2001-06-26 with total page 326 pages. Available in PDF, EPUB and Kindle. Book excerpt: Aging is a process that encompasses virtually all aspects of life. Because the speed of population aging is accelerating, and because the data needed to study the aging process are complex and expensive to obtain, it is imperative that countries coordinate their research efforts to reap the most benefits from this important information. Preparing for an Aging World looks at the behavioral and socioeconomic aspects of aging, and focuses on work, retirement, and pensions; wealth and savings behavior; health and disability; intergenerational transfers; and concepts of well-being. It makes recommendations for a collection of new, cross-national data on aging populationsâ€"data that will allow nations to develop policies and programs for addressing the major shifts in population age structure now occurring. These efforts, if made internationally, would advance our understanding of the aging process around the world.
Book Synopsis Household Saving, Public Intergenerational Transfers, and Liquidity Constraints, 1900-1991 by : Erick Eschker
Download or read book Household Saving, Public Intergenerational Transfers, and Liquidity Constraints, 1900-1991 written by Erick Eschker and published by . This book was released on 1997 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Savings Behavior, Borrowing Constraints, and Tenure Choice of Young Households by : Donald R. Haurin
Download or read book The Savings Behavior, Borrowing Constraints, and Tenure Choice of Young Households written by Donald R. Haurin and published by . This book was released on 1996 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Long-Run Determinants of Intergenerational Transfers by : John Karl Scholz
Download or read book Long-Run Determinants of Intergenerational Transfers written by John Karl Scholz and published by . This book was released on 2015 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: Understanding whether the elderly are saving adequately is fundamental to understanding whether elderly households are able to maintain reasonable living standards. One factor that affects wealth accumulation is the extent to which parents need to support children and the extent to which children need to support parents. The presence of Social Security may affect intergenerational transfers, but the extent to which it 'crowds out' transfers from parents to children is controversial. The ideal dataset to analyze these issues would have detailed information on two or three generations and measures of long range outcomes of parents and their children. The Wisconsin Longitudinal Study (WLS) offers a possibility to analyze the impact of transfer patterns on wealth accumulation. We look at transfers over a long time period, informed by different theories of transfer behavior, as well as how cognitive skills and other attributes earlier in the life-cycle influence transfer and saving behavior later on in life. Long-term transfers are less equally distributed across siblings than short-term transfers, and the sum of transfers and inheritances is less equally distributed than transfers and inheritances alone. Transfers from parents-in-law are positive but statistically insignificantly correlated with the amount of transfers received from one's own parents. Inter-vivos transfers from parents are not affected by transfers from parents-in-law. We find a strong positive association between the incidence of giving to own children and having received a gift from own parents, conditional on income and net worth.
Book Synopsis Saving and the Accumulation of Wealth by : Albert Ando
Download or read book Saving and the Accumulation of Wealth written by Albert Ando and published by Cambridge University Press. This book was released on 1994-03-25 with total page 419 pages. Available in PDF, EPUB and Kindle. Book excerpt: Taking Italy as their field of research, the contributors conduct a coherent analysis of households' saving behaviour.
Book Synopsis Private Transfers, Borrowing Constraints and the Timing of Home Ownership by : Luigi Guiso
Download or read book Private Transfers, Borrowing Constraints and the Timing of Home Ownership written by Luigi Guiso and published by . This book was released on 1998 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Handbook on the Economics of Happiness by : L. Bruni
Download or read book Handbook on the Economics of Happiness written by L. Bruni and published by Edward Elgar Publishing. This book was released on 2007-01-01 with total page 635 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is a welcome consolidation and extension of the recent expanding debates on happiness and economics. Happiness and economics, as a new field for research, is now of pivotal interest particularly to welfare economists and psychologists.
Book Synopsis Transmitting Inequality by : Yuval Elmelech
Download or read book Transmitting Inequality written by Yuval Elmelech and published by Rowman & Littlefield. This book was released on 2008 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this authoritative study, Elmelech investigates the role that generational heritage plays in social stratification. Transmitting Inequality provides the essential theoretical framework for examining the institutional inequalities that shape the distribution of property and wealth in the United States.
Book Synopsis Handbook of Regional and Urban Economics by : Gilles Duranton
Download or read book Handbook of Regional and Urban Economics written by Gilles Duranton and published by Elsevier. This book was released on 2015-06-29 with total page 2064 pages. Available in PDF, EPUB and Kindle. Book excerpt: Developments in methodologies, agglomeration, and a range of applied issues have characterized recent advances in regional and urban studies. Volume 5 concentrates on these developments while treating traditional subjects such as housing, the costs and benefits of cities, and policy issues beyond regional inequalities. Contributors make a habit of combining theory and empirics in each chapter, guiding research amid a trend in applied economics towards structural and quasi-experimental approaches. Clearly distinguished from the New Economic Geography covered by Volume 4, these articles feature an international approach that positions recent advances within the discipline of economics and society at large. Emphasizes advances in applied econometrics and the blurring of "within" and "between" cities Promotes the integration of theory and empirics in most chapters Presents new research on housing, especially in macro and international finance contexts
Book Synopsis The SAGE Handbook of Housing Studies by : David F Clapham
Download or read book The SAGE Handbook of Housing Studies written by David F Clapham and published by SAGE. This book was released on 2012-04-20 with total page 710 pages. Available in PDF, EPUB and Kindle. Book excerpt: Cross-disciplinary and critical in its approach, The SAGE Handbook of Housing Studies is an elucidating look at the key issues within the field. It covers the study of housing retrospectively, but also analyses the future directions of research and theory, demonstrating how it can contribute to wider debates in the social sciences. A comprehensive introductory chapter is followed by four parts offering complete coverage of the area: Markets: examines the perception of housing markets, how they function in different contexts, and the importance of housing behaviour and neighbourhoods Approaches: looks at how other disciplines - economics, geography, and sociology - have informed the direction of housing studies Context: traces the interactions between housing studies and other aspects of society, providing context to debate housing through issues of space, social, welfare and the environment. Policy: is a multi-disciplinary and comprehensive take on the major policy issues and the causes and possible solutions of housing problems such as regeneration and homelessness. Edited by leading names in the field and including international contributions, the book is a stimulating, wide-ranging read that will be an invaluable resource for academics and researchers in geography, urban studies, sociology, social policy, economics and politics.
Book Synopsis Handbook of Regional and Urban Economics, vol. 5B by : Gilles Duranton
Download or read book Handbook of Regional and Urban Economics, vol. 5B written by Gilles Duranton and published by Elsevier. This book was released on 2015-05-15 with total page 967 pages. Available in PDF, EPUB and Kindle. Book excerpt: Developments in methodologies, agglomeration, and a range of applied issues have characterized recent advances in regional and urban studies. Volume 5 concentrates on these developments while treating traditional subjects such as housing, the costs and benefits of cities, and policy issues beyond regional inequalities. Contributors make a habit of combining theory and empirics in each chapter, guiding research amid a trend in applied economics towards structural and quasi-experimental approaches. Clearly distinguished from the New Economic Geography covered by Volume 4, these articles feature an international approach that positions recent advances within the discipline of economics and society at large. Editors are recognized as leaders and can attract an international list of contributors Regional and urban studies interest economists in many subdisciplines, such as labor, development, and public economics Table of contents combines theoretical and applied subjects, ensuring broad appeal to readers
