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Background risk and consumers' demand for insurance under limited liability 背景风险与消费者有限责任保险需求
IF 1.9 4区 经济学
Southern Economic Journal Pub Date : 2023-08-14 DOI: 10.1002/soej.12651
G. Sorek, T. Beard
{"title":"Background risk and consumers' demand for insurance under limited liability","authors":"G. Sorek, T. Beard","doi":"10.1002/soej.12651","DOIUrl":"https://doi.org/10.1002/soej.12651","url":null,"abstract":"This study highlights the importance of financial background risks in consumers' demand for coverage against insurable risks, considering the bankruptcy option. We explore three cases that are overlooked in theoretical literature, although found to be highly relevant in empirical studies: (1) the joint realization of the two financial risks is bankrupting, (2) the insurable risk is bankrupting and the background risk is not, and (3) each financial risk is bankrupting on its own. Our new results highlight the potential role of the background risk in decreasing demand for insurance (and thus insurance take‐up) and yield novel non‐monotonic relationships between the magnitude of the background risk and the demand for insurance coverage, given consumers' initial wealth. Our results align with recent empirical work that highlights the role of consumer bankruptcy as a substitute to formal health insurance, and thereby its significant negative effects on insurance take up among working‐age Americans.","PeriodicalId":47946,"journal":{"name":"Southern Economic Journal","volume":null,"pages":null},"PeriodicalIF":1.9,"publicationDate":"2023-08-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41744329","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Interactions between job search and housing decisions: A structural estimation 求职和住房决策之间的相互作用:一个结构性估计
4区 经济学
Southern Economic Journal Pub Date : 2023-08-10 DOI: 10.1002/soej.12650
Sílvio Rendon, Núria Quella‐Isla
{"title":"Interactions between job search and housing decisions: A structural estimation","authors":"Sílvio Rendon, Núria Quella‐Isla","doi":"10.1002/soej.12650","DOIUrl":"https://doi.org/10.1002/soej.12650","url":null,"abstract":"Abstract Housing and financial market shocks affect frictional labor markets. We structurally estimate a model of job search with accumulation of liquid and residential wealth and randomly persistent house prices. Using NLSY data from 1978 to 2000, we show that reservation wages and nonemployment increase in total wealth and respond to the composition of wealth, home prices and financial markets' tightness. We cluster counties of residence by HPI growth and find a residential wealth effect on labor markets that erodes with fast home price growth. When we counterfactually fix downpayment rates above observed trajectories, nonemployment becomes one percentage point higher in counties of average or fast home price growth and 1.2 percentage points lower where home prices are stagnant. Fixing interest rates at 2% generates a 0.5 percentage point decline in nonemployment in counties with no home price growth, but no changes where price growth is average or fast.","PeriodicalId":47946,"journal":{"name":"Southern Economic Journal","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-08-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135553892","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Estimating the effects of wind loss mitigation on home value 估算减少风力损失对房屋价值的影响
4区 经济学
Southern Economic Journal Pub Date : 2023-06-19 DOI: 10.1002/soej.12648
Sebastain Awondo, Harris Hollans, Lawrence Powell, Chip Wade
{"title":"Estimating the effects of wind loss mitigation on home value","authors":"Sebastain Awondo, Harris Hollans, Lawrence Powell, Chip Wade","doi":"10.1002/soej.12648","DOIUrl":"https://doi.org/10.1002/soej.12648","url":null,"abstract":"Abstract We empirically estimate the effects of windstorm loss mitigation features on the value of coastal homes using fixed‐effects and spatial regression hedonic models. We use housing data from the “Fortified Home” program, which prescribes and certifies windstorm resilience features for residential property. We test the extent to which Fortified construction and the location of a house relative to the coast act as mitigation complements or substitutes. We find that on average homebuyers located at median distance to the coast pay a 6%–7% premium for Fortified homes, which exceeds the typical cost of building or retrofitting houses to the Fortified standard. Fortified construction and distance of the house from the coast are mitigation substitutes. The premium is highest for homes nearest the coast. Our findings are robust under various specifications of spatial hedonic models.","PeriodicalId":47946,"journal":{"name":"Southern Economic Journal","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-06-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135336429","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
(De)unionization, trade, unemployment, and wage differentials (去)工会化、贸易、失业和工资差别
IF 1.9 4区 经济学
Southern Economic Journal Pub Date : 2023-06-03 DOI: 10.1002/soej.12647
Juin-jen Chang, Li‐Wen Hung, S. Peng
{"title":"(De)unionization, trade, unemployment, and wage differentials","authors":"Juin-jen Chang, Li‐Wen Hung, S. Peng","doi":"10.1002/soej.12647","DOIUrl":"https://doi.org/10.1002/soej.12647","url":null,"abstract":"","PeriodicalId":47946,"journal":{"name":"Southern Economic Journal","volume":null,"pages":null},"PeriodicalIF":1.9,"publicationDate":"2023-06-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44329454","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Do sovereign credit rating events affect the foreign exchange market? Evidence from a treatment effect analysis 主权信用评级事件会影响外汇市场吗？治疗效果分析的证据
IF 1.9 4区 经济学
Southern Economic Journal Pub Date : 2023-05-29 DOI: 10.1002/soej.12633
H. Balima, A. Minea, Cezara Vinturis
{"title":"Do sovereign credit rating events affect the foreign exchange market? Evidence from a treatment effect analysis","authors":"H. Balima, A. Minea, Cezara Vinturis","doi":"10.1002/soej.12633","DOIUrl":"https://doi.org/10.1002/soej.12633","url":null,"abstract":"","PeriodicalId":47946,"journal":{"name":"Southern Economic Journal","volume":null,"pages":null},"PeriodicalIF":1.9,"publicationDate":"2023-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43079875","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
Gerrymandering in the laboratory 实验室里的不公正划分选区
IF 1.9 4区 经济学
Southern Economic Journal Pub Date : 2023-05-25 DOI: 10.1002/soej.12638
S. An, Michael Anderson, Cary A. Deck
{"title":"Gerrymandering in the laboratory","authors":"S. An, Michael Anderson, Cary A. Deck","doi":"10.1002/soej.12638","DOIUrl":"https://doi.org/10.1002/soej.12638","url":null,"abstract":"","PeriodicalId":47946,"journal":{"name":"Southern Economic Journal","volume":null,"pages":null},"PeriodicalIF":1.9,"publicationDate":"2023-05-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44275719","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Innovation offshoring and reshoring with fully endogenous growth 创新离岸外包和回流与完全内生增长
IF 1.9 4区 经济学
Southern Economic Journal Pub Date : 2023-05-13 DOI: 10.1002/soej.12637
C. Davis, K. Hashimoto
{"title":"Innovation offshoring and reshoring with fully endogenous growth","authors":"C. Davis, K. Hashimoto","doi":"10.1002/soej.12637","DOIUrl":"https://doi.org/10.1002/soej.12637","url":null,"abstract":"","PeriodicalId":47946,"journal":{"name":"Southern Economic Journal","volume":null,"pages":null},"PeriodicalIF":1.9,"publicationDate":"2023-05-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44823234","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Southern gains and northern losses: Regional variation in the evolution of black/white earnings differences in the United States, 1976–2017 南方收益与北方损失:1976-2017年美国黑人/白人收入差异演变的区域差异
IF 1.9 4区 经济学
Southern Economic Journal Pub Date : 2023-05-05 DOI: 10.1002/soej.12636
Charles L. Ballard, J. Goddeeris
{"title":"Southern gains and northern losses: Regional variation in the evolution of black/white earnings differences in the United States, 1976–2017","authors":"Charles L. Ballard, J. Goddeeris","doi":"10.1002/soej.12636","DOIUrl":"https://doi.org/10.1002/soej.12636","url":null,"abstract":"","PeriodicalId":47946,"journal":{"name":"Southern Economic Journal","volume":null,"pages":null},"PeriodicalIF":1.9,"publicationDate":"2023-05-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43744839","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
In‐person versus online instruction: Evidence from principles of economics 面对面与在线教学:来自经济学原理的证据
IF 1.9 4区 经济学
Southern Economic Journal Pub Date : 2023-04-25 DOI: 10.1002/soej.12635
K. Elzinga, Daniel Q. Harper
{"title":"In‐person\u0000 versus online instruction: Evidence from principles of economics","authors":"K. Elzinga, Daniel Q. Harper","doi":"10.1002/soej.12635","DOIUrl":"https://doi.org/10.1002/soej.12635","url":null,"abstract":"COVID-19 required many professors to switch from in-person teaching to online instruction, allowing exploration of a pivotal question in education: are learning outcomes better when instruction takes place in-person or online? We compare student performance across two semesters of the same large introductory economics course-one taught in-person in 2019, the other taught online in 2020. We analyze test scores from over 2000 students for exam questions common to both instructional formats. At the aggregate level, we find no difference in student performance between online and in-person instruction. When dividing questions by required reasoning skills, we find that online instruction improves student performance on questions requiring knowledge of a definition or formula. Additionally, student course evaluations rated the online course over in-person pedagogy.","PeriodicalId":47946,"journal":{"name":"Southern Economic Journal","volume":null,"pages":null},"PeriodicalIF":1.9,"publicationDate":"2023-04-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44424155","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Technology use, work adaptation, and economic vulnerability during COVID‐19 COVID - 19期间的技术使用、工作适应和经济脆弱性
IF 1.9 4区 经济学
Southern Economic Journal Pub Date : 2023-04-20 DOI: 10.1002/soej.12634
Kasra Khademorezaian, Georgia Kosmopoulou, S. Connelly, Mark Fichtel, Y. Gujar, Heshan Sun
{"title":"Technology use, work adaptation, and economic vulnerability during COVID‐19","authors":"Kasra Khademorezaian, Georgia Kosmopoulou, S. Connelly, Mark Fichtel, Y. Gujar, Heshan Sun","doi":"10.1002/soej.12634","DOIUrl":"https://doi.org/10.1002/soej.12634","url":null,"abstract":"We explore how technology use helped to cope with the stresses of social distancing during the pandemic contributing insights about the impact of work adaptation enabled by technology on economic vulnerability and resilience. Using a three-wave survey conducted across 10 states in the United States, we found evidence that a high level of technology use was linked to a greater chance of maintaining employment during the pandemic. We evaluate job retention as a function of an index based on the prevalence of information technology (IT) usage in the workplace and psychological and somatic well-being, controlling for technology use outside of the workplace, and socioeconomic and demographic characteristics. © 2023 The Southern Economic Association.","PeriodicalId":47946,"journal":{"name":"Southern Economic Journal","volume":null,"pages":null},"PeriodicalIF":1.9,"publicationDate":"2023-04-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45567470","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":4,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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