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312 results, from 281
  • SOEPpapers 240 / 2009

    Precautionary and Entrepreneurial Saving: New Evidence from German Households

    The well-documented positive correlation between income risk and wealth was interpreted as evidence for high amounts of precautionary wealth in various studies. However, the large estimates emerged from pooling non-entrepreneurs and entrepreneurs without controlling for heterogeneity. This paper provides evidence for Germany based on representative panel data including private wealth balance sheets. ...

    2009| Frank M. Fossen, Davud Rostam-Afschar
  • SOEPpapers 239 / 2009

    Triggers and Determinants of Severe Household Indebtedness in Germany

    Overindebted private households have created economic and political concern. Using measures of relative (over-) indebtedness which relate household income and debt services to different concepts of subsistence levels, this paper investigates whether severe household indebtedness is driven by trigger events such as unemployment, childbirth, divorce, or the death of the partner. Exploiting the panel ...

    2009| Matthias Keese
  • SOEPpapers 234 / 2009

    Schenkungen und Erbschaften im Lebenslauf: vergleichende Längsschnittanalysen zu intergenerationalen Transfers

    The research on private financial transfers between generations lacks a longitudinal perspective. Gifts as intergenerational transfers inter vivos allow us to study the importance of life course events for the chances of receiving transfers. In Germany, gifts are highly private and leave more scope for decision-making than the regulated bequests. Thus, gifts are better suited to test theories on family ...

    2009| Thomas Leopold, Thorsten Schneider
  • Diskussionspapiere 946 / 2009

    Google Searches as a Means of Improving the Nowcasts of Key Macroeconomic Variables

    The Google Insights data are a collection of recorded Internet searches for a huge number of the keywords, which are available since January 2004. These searches represent a kind of revealed perceptions of Internet users, which are a (possibly not entirely representative) sample of the general public. These data can be used to improve the short-term forecasts or nowcasts of various macroeconomic variables. ...

    2009| Konstantin A. Kholodilin, Maximilian Podstawski, Boriss Siliverstovs, Constantin Bürgi
  • Diskussionspapiere 928 / 2009

    Risk Attitudes and Investment Decisions across European Countries: Are Women More Conservative Investors than Men?

    This study questions the popular stereotype that women are more risk averse than men in their financial investment decisions. The analysis is based on micro-level data from large-scale surveys of private households in five European countries. In our analysis of investment decisions, we directly account for individuals' self-perceived willingness to take financial risks. The empirical evidence we provide ...

    2009| Oleg Badunenko, Nataliya Barasinska, Dorothea Schäfer
  • SOEPpapers 226 / 2009

    Marital Risk, Family Insurance, and Public Policy

    The present paper aims to quantify the growth and welfare consequences of changing family structures in western societies. For this reason we develop a dynamic general equilibrium model with both genders which takes into account changes of the marital status as a stochastic process. Individuals respond to these shocks by adjusting savings and labor supply. Our quantitative results indicate that the ...

    2009| Hans Fehr, Manuel Kallweit, Fabian Kindermann
  • SOEPpapers 219 / 2009

    Reversing the Question: Does Happiness Affect Consumption and Savings Behavior?

    I examine the impact of happiness on consumption and savings behavior using data from the DNB Household Survey from the Netherlands and the German Socio-Economic Panel. Instrumenting individual happiness with regional sunshine, the results suggest that happier people save more, spend less, and have a lower marginal propensity to consume. Happier people take more time for making decisions and have more ...

    2009| Cahit Guven
  • SOEPpapers 224 / 2009

    Risk Attitudes and Investment Decisions across European Countries: Are Women More Conservative Investors than Men?

    This study questions the popular stereotype that women are more risk averse than men in their financial investment decisions. The analysis is based on micro-level data from large-scale surveys of private households in five European countries. In our analysis of investment decisions, we directly account for individuals' self-perceivedwillingness to take financial risks. The empirical evidence we provide ...

    2009| Oleg Badunenko, Nataliya Barasinska, Dorothea Schäfer
  • SOEPpapers 202 / 2009

    Housing, Energy Cost, and the Poor: Counteracting Effects in Germany's Housing Allowance Program

    Adequate housing and affordable warmth are essential human needs, the lack of which may seriously harm people's health. Germany provides an allowance to low-income households, covering the housing as well as the space heating cost, to protect people from the consequences of poor housing conditions and fuel poverty. In order to limit public expenditures, payment recipients are required to choose low-cost ...

    2009| Peter Grösche
  • SOEPpapers 186 / 2009

    Factors Influencing Tenure Choice in European Countries

    Homeownership rates are very different across European countries. They range from below 50% in Germany to over 80% in Greece, Spain or Ireland. However the differences lie not only in the overall homeownership rates but also in its structure, and this is the focus of this paper. Its aim is to study the impact of microeconomic factors on household's tenure choice, using a cross-country comparative approach. ...

    2009| Monika Bazyl
312 results, from 281
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