Saving - Publications - Faculty & Research

18 Oct 2024
Blog Post

The Benefits of Living in a Dorm at HBS

is happening. Most HBS students have internships between their first and second years. Not knowing where I was going to spend my summer when I started school (spoiler that I went back to Los Angeles), I didn’t want to be locked into a year-long lease and need to find a... View Details

24 Aug 2016
Research & Ideas

Can Obamacare Be Saved?

quality or prices for consumers. Such mergers reduce competition in the insurance market, ultimately dampening much-needed innovation. What’s more, there’s no requirement or expectation that any savings from synergies generated from the... View Details

Keywords: by John A. Quelch and Emily Boudreau; Insurance; Health

24 Mar 2014
Research & Ideas

The Surprising Link Between Language and Corporate Responsibility

future and the present. They save less, become more obese, and even practice less-safe sex than in weak FTR languages, which use less separation between what is and what is to come. Like saving money or... View Details

Keywords: by Michael Blanding

05 May 2010
What Do You Think?

Is Denial Endemic to Management?

Bullard suggested that "Ruthless realism is, itself, pathological . The professional pilot denies a crash is inevitable until a second before impact, and that ability to believe one can save the ship is critical to the attitude of... View Details

Keywords: by Jim Heskett

08 Apr 2009
Research & Ideas

Clayton Christensen on Disrupting Health Care

interrelated. People who have studied this industry for a long time have come up with a number of feasible ideas to get at the cost problem, including high-deductible insurance and health savings accounts. But until we make sure that the... View Details

Keywords: by Deborah Blagg; Health

08 Jul 2021
Blog Post

Catching the Entrepreneurship Bug at HBS

hustle and I was going to sell my favorite thing to make: greeting cards. Plot twist! I’ve saved most of the greeting cards I’ve received, and I’ve always loved making cards for friends and loved ones for birthdays and special occasions.... View Details

Profile

Juan Camargo

was pretty surreal," says Camargo. But the day after the show, the reality of the challenge ahead of him remained: How, exactly, do you sell America a high-end electric car? DITCH THE OLD PITCH The first wave of electric vehicles had a dual environmental and... View Details

Keywords: Manufacturing; Technology; Consumer Products

06 Nov 2006
Research & Ideas

How South Africa Challenges Our Thinking on FDI

Most of that section is to generate class discussion, because the reason that developing countries want FDI is because there is more investment occurring in a country than there is domestic savings, so foreign savings is needed to fill... View Details

Keywords: by Martha Lagace

13 Oct 2015
First Look

October 13, 2015

David Laibson, and Brigitte C. Madrian Abstract—Can governments increase private savings by taxing savings up front instead of in retirement? Roth 401(k) contributions are not tax-deductible in the... View Details

2012
Article

The Excess Burden of Government Indecision

By: Francisco J. Gomes, Laurence J. Kotlikoff and Luis M. Viceira

Governments are known for procrastinating when it comes to resolving painful policy problems. Whatever the political motives for waiting to decide, procrastination distorts economic decisions relative to what would arise with early policy resolution. In so doing, it... View Details

Keywords: Saving; Risk and Uncertainty; Investment Portfolio; Decision Choices and Conditions; Retirement; Policy; Government and Politics

Citation

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01 Jun 2025
News

Agenda: Stacy Sonnenberg (MBA 2003)

flows to pay their liabilities. Sports are very stable. In recessions, people will cancel vacations, but they won’t necessarily cancel their season tickets.” “We’re going to see more modular construction. At Everton Stadium, just opening this year in Liverpool, they... View Details

Keywords: Sasha Issenberg

17 Oct 2014
Research & Ideas

New Treasury Rules Help Long-Retirement Planning

recommended that workers use all their retirement savings to buy life annuities in order to avoid outliving their savings. Nevertheless, few workers want to put their whole retirement nest egg into a life annuity. Why? In one word,... View Details

Keywords: by Robert Pozen; Financial Services

14 May 2013
Blog Post

“What does it take for us to support our beliefs?” – Johnny Bowman

it takes to get supporters to act on their beliefs. Just as important, I learned of the many significant barriers that prevent us from actively supporting the issues we care most about. As deep as our beliefs may run on saving our... View Details

Keywords: Technology

14 Jul 2006
Op-Ed

The Case for Consumer-Driven Medicaid

for the private sector's consumer-driven experiences with lower-income populations, the experience of Whole Foods, a supermarket chain, is instructive. As of 2004, its employees, primarily blue collar, have saved $14 million in health... View Details

Keywords: by Regina E. Herzlinger

25 Aug 2014
Blog Post

Working in Tech 4Dev

and NGO budgets are squeezed. The City of Los Angeles, for example, used our platform to crowdsource broken sidewalk locations for repair, saving the city a costly location survey estimated at millions. Ushahidid’s platform provides ease... View Details

Keywords: Technology

01 Mar 2016
News

Off Script

control. They also control health funding deficits by encouraging, or even requiring, their main populations to aggressively set aside medical savings during their earning years to help with older age health care. Such actions are much... View Details

Keywords: Insurance Carriers and Related Activities; Finance

Fast Answer

Research Tools

the web. Researchers can save and store their visualizations under a personal profile, share them via social media or embed them on a site or blog. View Details

07 Dec 2016
HBS Case

Why Millennials Flock to Fintech for Personal Investing

through direct ads or referrals by early adopters who post about their services. “Their way to capture clients is through viral acquisition,” says Viceira. Lastly, fintech firms save costs by outsourcing money management expertise to... View Details

Keywords: by Michael Blanding; Financial Services

October 2002 (Revised December 2003)
Case

eShip-4U

By: Roy D. Shapiro and Timothy M. Laseter

eShip is a small Israeli start-up with a potentially exciting new concept for the residential package-delivery value chain--the Automatic Delivery Machine (ADM). Much like today's ubiquitous ATMs, ADMs would allow consumers to have parcels delivered to a nearby ADM... View Details

Keywords: Business Startups; Business Model; Service Operations; Logistics; Corporate Strategy; Information Technology; Competitive Strategy; Value Creation; Saving; Innovation and Invention; Transportation Industry; Service Industry; Shipping Industry; Israel; United States