Mortgage equity withdrawal, risk preferences and financial capability

[…] understand what drives this decision, and in particular how it relates to households’ financial competence. Existing household-level studies of the equity withdrawal decision have focused on the impact of consumption-smoothing and financial efficiency motives. This paper uses data from the British Household Panel Survey and the Understanding Society survey to analyse the impact of […]

Wage differentials in the 1990s: estimates of employer tenure, union status and gender wage effects and modelling issues in estimation -PhD Thesis-

[…] effect is explored by investigating the extent to which OLS estimates are biased by correlation between employer tenure length and unobserved job match and individual heterogeneity. The impact of variations in the quality of employer tenure data and enforcing consistency upon the tenure data over time are also addressed. Results show OLS estimates of […]

The search for success: do the unemployed find stable employment?

[…] employment career. This paper studies job tenure in Britain in the 1990s with particular emphasis on jobs following an unemployment spell. This allows the investigation of the impact of unemployment on subsequent job tenure. We use an independent competing risks framework with previous labour market status and the duration of the preceding unemployment spell […]

Digital Living: the impact (or otherwise) of the internet on everyday life

This article examines the impact of the Internet on the everyday lives of U.K. citizens through the integration of quantitative longitudinal time-use data and qualitative interviews. It shows that there is little significant change in people’s time use that can be associated with their acquisition of an Internet connection and demonstrates the oversimplicity of […]