Search Results

(refine search)

SORT BY: PREVIOUS / NEXT

All:
Title:
Author:
Abstract:
Keywords:

+ Add Search Parameter

Speech
Recent changes in household finances and home lending: a speech to the monthly meeting of the Epsilon Boule Fraternity for African-American Leaders, Washington, D.C., November 18, 2005
Ferguson, Roger W. (2005)
Speech , Paper 155

Working Paper
The decline in household saving and the wealth effect
Juster, F. Thomas; Smith, James P.; Lupton, Joseph P.; Stafford, Frank (2004)
Using a unique set of household level panel data, we estimate 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 capital gains in corporate equities experienced over this period. Over five-year periods, the effect of capital gains in corporate equities on saving is substantially larger than the effect of capital gains in housing or other assets. Failure to differentiate wealth affects across asset types ...
Finance and Economics Discussion Series , Paper 2004-32

Journal Article
Coordinating homeowner assistance: weatherization and housing rehabilitation
Rohe, William M.; Cowan, Spencer M. (2010-10)
Low-income homeowners face challenges balancing the financial demands of homeownership. First, they are more apt to have higher-cost subprime or adjustable-rate mortgages. Second, they are more likely to own older, poorly insulated homes with less efficient HVAC systems and appliances. Finally, their homes tend to have more urgent repair and maintenance needs.
Communities and Banking , Issue Fall , Pages 12-14

Journal Article
Retirement savings and decision errors: lessons from behavioral economics
Daly, Mary C.; Armour, Philip (2008)
Long gone are the days when most American workers could rely on their employers to manage their retirement savings. Today, most people handle their retirement portfolios themselves, gaining the right and responsibility to determine their own best strategies. Research on retirement planning suggests, however, that many fall short of consensus targets for optimal savings and investment. While part of the shortfall is explained by information gaps and income constraints, research in behavioral economics suggests that "decision errors," arising out of human tendencies such as procrastination, ...
FRBSF Economic Letter

Journal Article
Effects of Asset Valuations on U.S. Wealth Distribution
Diwan, Renuka; Duzhak, Evgeniya A.; Mertens, Thomas M. (2021-08-30)
Net household wealth is highly unequal across U.S. households, and the types of assets people hold tend to change according to their position along the distribution of wealth. The pattern of household portfolios shows that the top 1% of households hold most of their wealth in stocks, while home values are most important for the wealth of the bottom half of the distribution. Higher growth in equity values relative to real estate values therefore tends to widen the wealth distribution, as experienced during the coronavirus pandemic.
FRBSF Economic Letter , Volume 2021 , Issue 24 , Pages 01-06

Working Paper
Moving to a job: The role of home equity, debt, and access to credit
Luengo-Prado, Maria Jose; Demyanyk, Yuliya; Hryshko, Dmytro; Sorensen, Bent E. (2013)
Using credit report data from two of the three major credit bureaus in the United States, we infer with high certainty whether households move to other labor markets defined by metropolitan areas. We estimate how moving patterns relate to labor market conditions, personal credit, and homeownership using panel regressions with fixed effects which control for all constant individual-specific traits. We interpret the patterns through simulations of a dynamic model of consumption, housing, and location choice. We find that homeowners with negative home equity move more than other homeowners, in ...
Working Papers (Old Series) , Paper 1305

Speech
Macro overview of the United States
Cumming, Christine M. (2011)
Remarks at the European Economics and Financial Centre, London, England.
Speech , Paper 44

Speech
The economy and the Household Debt and Credit Report
McAndrews, James J. (2013)
Remarks at the Household Debt and Credit Press Briefing, New York City.
Speech , Paper 97

Conference Paper
The macroeconomic transition to high household debt - comments
Hurst, Erik (2006-11)
Proceedings , Issue Nov

Speech
The national and regional economic outlook
Dudley, William (2011)
Remarks at the University at Albany, Albany, New York.
Speech , Paper 70

show more (3)

show more (2)

PREVIOUS / NEXT

Fed in Print

Search Results

FILTER BY year

FILTER BY Bank

FILTER BY Series

FILTER BY Content Type

FILTER BY Author

FILTER BY Jel Classification

FILTER BY Keywords