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Can “High Costs” Justify Weak Demand for the Home Equity Conversion Mortgage?

Thomas Davidoff.

in The Review of Financial Studies

August 2015; p ublished online March 2015 .

Journal Article. Subjects: National Government Expenditures and Related Policies; Economics; Demographic Economics; Public Economics; Banking; Household Analysis. 15226 words.

Home Equity Conversion Mortgages (“HECMs”) implicitly bundle nondefaultable credit lines with put options that let borrowers, or their heirs, sell mortgaged homes for the credit line limit...

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The Effects of Marital Status and Children on Savings and Portfolio Choice

David A. Love.

in The Review of Financial Studies

January 2010; p ublished online April 2009 .

Journal Article. Subjects: Economics; Insurance; Intertemporal Choice and Growth; Macroeconomics: Consumption, Saving, Production, Employment, and Investment; Economics of Health; Demographic Economics. 23993 words.

This paper investigates the impact of demographic shocks on optimal decisions about saving, life insurance, and, most centrally, asset allocation. The analysis indicates that marital-status...

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Immigrant banking and financial exclusion in Greater Boston

Pascale Joassart-Marcelli and Philip Stephens.

in Journal of Economic Geography

November 2010; p ublished online November 2009 .

Journal Article. Subjects: Household Behaviour and Family Economics; Demographic Economics; Urban, Rural, and Regional Economics; Banking. 12205 words.

Immigrants' lack of financial integration has been explained by individual characteristics including education, income, legal status and English ability, with little attention given to the...

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