Topic: Personal Finance
What’s Behind the Consumer Preference for the Middle Ground
Capturing how decisions are driven by a habitual preference for moderation
A Solution to the Debate over Momentum’s Cause?
Investors may underreact when information arrives in small, continuous bits
One Data Set That Warns Against Margin Trading
As a group, Chinese futures traders more likely to suffer margin call than to profit
Fresh-Start Framing Boosts Retirement Plan Participation
A behavioral nudge passes a real-world test with 6,000 workers
Do Money Troubles Make It Harder to Daydream?
Popular notion that the poor console themselves with fantasy is perhaps more a comfort to the rich
Did Bank Capital Rules Make Credit Card Borrowing More Expensive?
Though defaults are low, rates on credit card loan-backed notes are high
Does Spending Mean You’re Wealthy?
To many, yes, and that belief leads to lower levels of financial well-being
Consumer Spending and Jobless Data: a Peculiar Threshold
A 12-month high in local unemployment triggers savings behavior
Education Pays Off Handsomely, but Borrowing for It Makes People Unhappy
Student debt weighs on happiness more than mortgages or credit card loans
Rising Rents Force Families to Curtail Spending on Food and Health Care
Cost burdens affect half of U.S. households that rent, as housing shortage worsens
Americans Sacrifice $3.4 Trillion by Claiming Social Security Too Soon
Can nudges, tailored to personality traits, persuade retirees to wait?
Good Information Alone Won’t Drive Financial Well-Being
A review of academic research finds the path to saving more and spending less often involves emotional prompts
Maximizing Retirement Savings: More Nudging Required
Tweaking 401(k) website design and language can significantly boost worker contributions, yet HR doesn’t always see these opportunities
How Will You Spend Your IPO Windfall?
“Uh, I already bought a house”: Tech workers spend ahead of actual stock sales
A ‘Safer’ Treasury Bond
The government’s floating rate notes feature an added measure of security: higher interest earnings in times of rising rates