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Working Paper
Heterogeneous car buyers: a stylized fact
Bridgman, Benjamin; Nalewaik, Jeremy J.; Aizcorbe, Ana M. (2009)
Using a new dataset, we document a systematic pattern in the demographic characteristics of car buyers over the model year: as vehicle prices fall over the model year, so do buyer incomes. This pattern is consistent with price-insensitive buyers purchasing early in the year, while others wait until prices decline, and suggests price skimming (i.e. intertemporal price discrimination). Such consumer heterogeneity over the model year raises questions for measuring quality improvements in new goods.
Finance and Economics Discussion Series , Paper 2009-12

Journal Article
Changes in family finances from 1983 to 1989: evidence from the Survey of Consumer Finances
Shack-Marquez, Janice; Kennickell, Arthur B. (1992-01)
Federal Reserve Bulletin , Issue Jan

Working Paper
Cognitive abilities and household financial decision making
Agarwal, Sumit; Mazumder, Bhashkar (2011)
We analyze the effects of cognitive abilities on two examples of consumer financial decisions where suboptimal behavior is well defined. The first example refers to consumers who transfer the entire balance from an existing credit card account to a new account, but use the new card for convenience transactions, resulting in higher interest charges. The second example refers to consumers who face higher APRs because they inaccurately estimate their property value on a home equity loan or line of credit application. We match individuals from the US military for whom we have detailed test scores ...
Working Paper Series , Paper WP-2010-16

Working Paper
Can rising housing prices explain China’s high household saving rate?
Wen, Yi; Wang, Xin (2010)
China?s average household saving rate is one of the highest in the world. One popular view attributes the high saving rate to fast rising housing prices and other costs of living in China. This article uses simple economic logic to show that rising housing prices and living costs per se cannot explain China?s high household saving rate. Although borrowing constraints and demographic changes can help translate housing prices to the aggregate saving rate, quantitative simulations using Chinese data on household income, housing prices, and demographics indicate that rising mortgage costs ...
Working Papers , Paper 2010-048

Speech
New perspectives on consumer behavior in credit and payments markets
Harker, Patrick T. (2015-10-02)
Welcome Remarks Before the Eighth Biennial Research Conference Co-organized by the Research Department and Payment Cards Center
Speech , Paper 111

Working Paper
The effect of interest-rate changes on household saving and consumption: a survey
Elmendorf, Douglas W. (1996)
Direct estimates of the interest elasticity of saving suffer from several serious problems. As an alternative, this survey uses an indirect approach that combines models of individual behavior with estimates of certain features of individuals' preferences. The paper examines the effect of interest-rate changes on the consumption and saving of people who follow the lifecycle model, who plan to leave bequests, who save to reach a fixed target, and who have short planning horizons. The models that likely describe the behavior of the people who account for most of aggregate saving imply positive ...
Finance and Economics Discussion Series , Paper 96-27

Journal Article
Preliminary findings of the 1958 survey of consumer finances
anonymous (1958-03)
Federal Reserve Bulletin , Issue Mar

Journal Article
Will that be cash, check or debtor's hell?
Wirtz, Ronald A. (2000-10)
Fedgazette , Volume 12 , Issue Oct , Pages 6

Journal Article
Two indexes tract consumer confidence
Spinozza, Dawn M. (1991-07)
Cross Sections , Volume 8 , Issue Sum , Pages 8-9

Discussion Paper
Consumer behavior and payment choice : 2006 conference summary
Littman, Daniel A.; Stavins, Joanna; Schuh, Scott; Carten, Margaret (2007)
This paper summarizes the proceedings of the second Consumer Behavior and Payment Choice conference, held at the Federal Reserve Bank of Boston on July 25?27, 2006. These conferences are unique in featuring the collaboration of two groups of payments experts ? the private-sector payments industry on the one hand, and the academic, research, and policymaking communities on the other ? to stimulate more research and understanding of consumer payment behavior. The central focus of this second conference was learning more about the numerous consumer payments data sources that are available ? but ...
Public Policy Discussion Paper , Paper 07-4

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