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- All HBS Web
(762)
- People (4)
- News (182)
- Research (470)
- Events (6)
- Multimedia (5)
- Faculty Publications (280)
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- August 2023
- Article
Can Security Design Foster Household Risk-Taking?
By: Laurent Calvet, Claire Célérier, Paolo Sodini and Boris Vallée
This paper shows that securities with a non-linear payoff design can foster household risk-taking. We demonstrate this effect empirically by exploiting the introduction of capital guarantee products in Sweden from 2002 to 2007. The fast and broad adoption of these... View Details
Keywords: Financial Innovation; Household Finance; Structured Products; Stock Market Participation; Finance; Innovation and Invention; Household; Personal Finance; Risk and Uncertainty; Behavior; Market Participation
Calvet, Laurent, Claire Célérier, Paolo Sodini, and Boris Vallée. "Can Security Design Foster Household Risk-Taking?" Journal of Finance 78, no. 4 (August 2023): 1917–1966.
- 2018
- Chapter
Behavioral Household Finance
By: John Beshears, James J. Choi, David Laibson and Brigitte C. Madrian
This chapter provides an overview of household finance. The first part summarizes key facts regarding household financial behavior, emphasizing empirical regularities that are inconsistent with the standard classical economic model and discussing extensions of the... View Details
Keywords: Personal Finance; Global Range; Household; Behavior; Strategy; Governing Rules, Regulations, and Reforms; Product Design; Welfare
Beshears, John, James J. Choi, David Laibson, and Brigitte C. Madrian. "Behavioral Household Finance." In Handbook of Behavioral Economics: Foundations and Applications 1, edited by B. Douglas Bernheim, Stefano DellaVigna, and David Laibson, 177–276. Amsterdam: Elsevier, 2018.
- October 22, 2012
- Article
Interest Rate Pass-Through: Mortgage Rates, Household Consumption, and Voluntary Deleveraging
By: Marco Di Maggio, Amir Kermani, Benjamin Keys, Tomasz Piskorski, Rodney Ramcharan, Amit Seru and Vincent Yao
Exploiting variation in the timing of resets of adjustable-rate mortgages (ARMs), we find that a sizable decline in mortgage payments (up to 50%) induces a significant increase in car purchases (up to 35%). This effect is attenuated by voluntary deleveraging. Borrowers... View Details
Keywords: Monetary Policy; Household Finance; Refinancing; Contract Rigidities; Debt Rigidity; MPC; Deleveraging; Personal Finance; Household; Policy; Borrowing and Debt; Macroeconomics
Di Maggio, Marco, Amir Kermani, Benjamin Keys, Tomasz Piskorski, Rodney Ramcharan, Amit Seru, and Vincent Yao. "Interest Rate Pass-Through: Mortgage Rates, Household Consumption, and Voluntary Deleveraging." American Economic Review 107, no. 11 (November 2017): 3550–3588. (Note: this is a combined version of working papers Monetary Policy Pass-Through: Household Consumption and Voluntary Deleveraging by M. Di Maggio, A. Kermani and R. Ramcharan previously Revise & Resubmit at American Economic Review and Mortgage Rates, Household Balance Sheets, and the Real Economy by B. Keys, T. Piskorski, A. Seru, and V. Yao previously Revise and Resubmit at Journal of Political Economy.)
- 2023
- Working Paper
The Effects of Cryptocurrency Wealth on Household Consumption and Investment
By: Darren Aiello, Scott R. Baker, Tetyana Balyuk, Marco Di Maggio, Mark J. Johnson and Jason Kotter
This paper uses transaction-level data across millions of accounts to identify cryptocurrency investors and evaluate how fluctuations in individual crypto wealth affect household consumption, equity investment, and local real estate markets. We estimate an MPC out of... View Details
Keywords: Cryptocurrency; Marginal Propensity To Consume; Household Balance Sheet; Real Estate; Etherium; Bitcoin; Investment; Housing; Spending
Aiello, Darren, Scott R. Baker, Tetyana Balyuk, Marco Di Maggio, Mark J. Johnson, and Jason Kotter. "The Effects of Cryptocurrency Wealth on Household Consumption and Investment." Harvard Business School Working Paper, No. 23-077, June 2023.
- April 2013
- Case
Sterling Household Products Company
By: William E. Fruhan and Craig Stephenson
Sterling Household Products manufactures and markets a broad line of consumer goods from laundry soap and cosmetics to cleaning, disinfecting, and sanitizing products. The company has many highly regarded brand names and consistently reports impressive sales and... View Details
Fruhan, William E., and Craig Stephenson. "Sterling Household Products Company." Harvard Business School Brief Case 913-556, April 2013.
- Awards
Benjamin Delessert Award on Household Savings
By: Boris Vallee
Winner of a Benjamin Delessert Award for Household Savings Special Jury Prize in 2015 for his PhD thesis, "Three Essays on Financial Intermediation." View Details
- April 1989 (Revised December 1998)
- Background Note
Household Furniture Industry in 1986
Profiles the household furniture industry in the United States in 1986. Designed for use with Masco Corp. (A) and (B). View Details
Porter, Michael E., and Cynthia A. Montgomery. "Household Furniture Industry in 1986." Harvard Business School Background Note 389-189, April 1989. (Revised December 1998.)
- 2023
- Working Paper
Interest-Rate Risk and Household Portfolios
By: Sylvain Catherine, Max Miller, James Paron and Natasha Sarin
How are households exposed to interest-rate risk? When rates fall, households face lower future expected returns but those holding long-term assets—disproportionately the wealthy and middle-aged—experience capital gains. We study the hedging demand for long-term assets... View Details
Keywords: Portfolio Choice; Social Security; Interest Rates; Investment Portfolio; Equality and Inequality; Welfare
Catherine, Sylvain, Max Miller, James Paron, and Natasha Sarin. "Interest-Rate Risk and Household Portfolios." Working Paper, October 2023. (Reject and Resubmit, American Economic Review.)
- February 1981 (Revised November 1981)
- Case
Mason Household Products
By: W. Earl Sasser
Keywords: Consumer Products Industry
Sasser, W. Earl. "Mason Household Products." Harvard Business School Case 681-078, February 1981. (Revised November 1981.)
- October 1991 (Revised June 1996)
- Case
Lotus MarketPlace: Households
By: Lynn S. Paine
Managers at Lotus and Equifax must decide what to do about their new jointly developed database and software product Lotus MarketPlace which has been criticized as a threat to individual privacy. The Product, which would allow small businesses to buy targeting mail... View Details
Keywords: Information; Business or Company Management; Rights; Ethics; Marketing Communications; Applications and Software; Product Marketing; Information Technology Industry
Paine, Lynn S. "Lotus MarketPlace: Households." Harvard Business School Case 392-026, October 1991. (Revised June 1996.)
- March 2006
- Supplement
HSBC: The Household Acquisition
By: Tarun Khanna and David Lane
Khanna, Tarun, and David Lane. "HSBC: The Household Acquisition." Harvard Business School Video Supplement 706-807, March 2006.
- April 1995 (Revised May 1996)
- Teaching Note
Lotus MarketPlace: Households TN
By: Lynn S. Paine
Teaching Note for (9-392-026). View Details
Keywords: Information Technology Industry
- May 1994
- Teaching Note
Lotus MarketPlace: Households TN
By: Joseph L. Badaracco Jr. and Jerry Useem
Teaching Note for (9-392-026). View Details
Keywords: Information Technology Industry
- 16 Oct 2019
- News
Amazon Under Attack, and Household Financial Stress
- July 28, 2020
- Article
Economic Vulnerability of Households with Essential Workers
By: Grace McCormack, Christopher Avery, Ariella Kahn-Lang Spitzer and Amitabh Chandra
The label of “essential worker” reflects society’s needs but does not mean that society has compensated those workers for additional risks incurred on the job during the current pandemic. When an essential worker contracts severe acute respiratory syndrome coronavirus... View Details
McCormack, Grace, Christopher Avery, Ariella Kahn-Lang Spitzer, and Amitabh Chandra. "Economic Vulnerability of Households with Essential Workers." JAMA, the Journal of the American Medical Association 324, no. 4 (July 28, 2020): 388–390.
- 25 Oct 2018
- News
The Rise And Fall Of A Household Name
- September 1982
- Teaching Note
Mason Household Products, Teaching Note
By: David A. Garvin
Keywords: Consumer Products Industry
- 15 May 2009
- Working Paper Summaries
Barriers to Household Risk Management: Evidence from India
- September 2020
- Article
Relaxing Household Liquidity Constraints Through Social Security
By: Sylvain Catherine, Max Miller and Natasha Sarin
More than a quarter of working-age households in the United States do not have sufficient savings to cover their expenditures after a month of unemployment. Recent proposals suggest giving workers early access to a small portion of their future Social Security benefits... View Details
Keywords: COVID-19 Pandemic; Personal Finance; Employment; Welfare; Insurance; Government Legislation
Catherine, Sylvain, Max Miller, and Natasha Sarin. "Relaxing Household Liquidity Constraints Through Social Security." Art. 104243. Journal of Public Economics 189 (September 2020).
- 10 Dec 2015
- News