- Authority of Financial Markets. (2008). AFM Consumenten Monitor Q3 2008 [in Dutch], online available at http://www.afm.nl/nl/consumenten/actueel/brochures/~/media .
Paper not yet in RePEc: Add citation now
Barber, B., & Odean, T. (2001). Boys will be Boys: gender, overconfidence, and common stock investment. Quarterly Journal of Economics, 116(1), 261–292.
Brown, J., Ivkovic, Z., & Smith, P. (2008). Neighbors matter: causal community effects and stock market participation. Journal of Finance, 63, 1509–1531.
Brueckner, J., & Follain, J. (1988). The Rise and fall of the ARM: an econometric analysis of mortgage choice. Review of Economics and Statistics, 70(1), 93–102.
- Bucks, B., Pence, K. (2006). Do Homeowners Know Their House Values and Mortgage Terms? Working paper, Federal Reserve Board of Governors.
Paper not yet in RePEc: Add citation now
Calvet, L., Campbell, J., & Sodini, P. (2009). Measuring financial sophistication of households. American Economic Review: Papers and Proceedings, 99(2), 1–4.
Campbell, J. (2006). Household Finance. Journal of Finance, 61(4), 1551–1604.
Campbell, J., & Cocco, J. (2003). Household risk management and optimal mortgage choice. Quarterly Journal of Economics, 118(4), 1449–1494.
- Chang, L., & Krosnick, J. (2009). National surveys via RDD telephone interviewing versus the internet: comparing sample representativeness and response quality. Public Opinion Quarterly, 73(4), 641–678.
Paper not yet in RePEc: Add citation now
Chang, Y., & Yavas, A. (2009). Do borrowers make rational choices on points and refinancing? Real Estate Economics, 37(4), 635–659.
- Chiang, Y., Sa-Aadu, J. (2013). Optimal Mortgage Contract Choice Decision in the Presence of Pay Option Adjustable Rate Mortgage and the Balloon Mortgage, forthcoming in Journal of Real Estate Finance and Economics.
Paper not yet in RePEc: Add citation now
Cocco, J. (2005). Portfolio choice in the presence of housing. Review of Financial Studies, 18(2), 535–567.
Cocco, J. (2013). Evidence on the Benefits of Alternative Mortgage Products. Journal of Finance, 68(4), 1663–1690.
Cocco, J., Gomes, F., & Maenhout, P. (2005). Consumption and Portfolio Choice over the Life Cycle. Review of Financial Studies, 18(2), 491–533.
- Collins, M. (2010). A Review of Financial Advice Models and the Take-Up of Financial Advice, Working Paper WP10-5, Center for Financial Security, University of Wisconsin-Madison.
Paper not yet in RePEc: Add citation now
Coulibaly, B., & Li, G. (2009). Choice of mortgage contracts: evidence from the survey of consumer finances. Real Estate Economics, 37(4), 659–674.
Cunningham, D., & Capone, C. (1990). The relative termination experience of adjustable to fixed-rate mortgages. Journal of Finance, 45(5), 1687–1703.
De Haan, L., & Sterken, E. (2011). Bank-specific interest rate adjustment in the dutch mortgage market. Journal of Financial Services Research, 39, 145–159.
Demyanyk, Y., & Van Hemert, O. (2009). Understanding the subprime mortgage crisis. Review of Financial Studies, 24(6), 1848–1880.
Dohmen, T., Falk, A., Huffman, D., & Sunde, U. (2010). Are risk aversion and impatience related to cognitive ability? American Economic Review, 100, 1238–1260.
Donker, B., & Van Soest, A. (1999). Subjective measures of household preferences and financial decisions. Journal of Economic Psychology, 20, 613–642.
Duca, J., & Rosenthal, S. (1994). Do Mortgage Rates Vary Based on Household Default Characteristics? evidence on rate sorting and credit rationing. Journal of Real Estate Finance and Economics, 8, 99–113.
- Elliehausen, G., Lundquist, C., & Staten, M. (2007). The Impact of credit counseling on subsequent borrower behavior. Journal of Consumer Affairs, 41(1), 1–28.
Paper not yet in RePEc: Add citation now
- Elmerick, S., Monalta, C., & Fox, J. (2002). Use of financial planners by US households. Financial Services Review, 11, 217–231.
Paper not yet in RePEc: Add citation now
- Federal Reserve Board. (2007). Testimony of Roger T. Cole, Division of Banking, Housing and Urban Affairs, United States Senate, March 22, Washington DC.
Paper not yet in RePEc: Add citation now
- Fratantoni, M. (1999). Reverse mortgage choices: a theoretical and empirical analysis of the borrowing decisions of elderly homeowners. Journal of Housing Research, 10(2), 189–208.
Paper not yet in RePEc: Add citation now
- Gerardi, K., Goette, L., Meijer, S. (2010b). Financial Literacy and Subprime Mortgage Delinquency: Evidence from a Survey Matched to Administrative Data, Federal Reserve Bank of Atlanta, Working Paper 2010–10.
Paper not yet in RePEc: Add citation now
Gerardi, K., Rosen, H., & Willen, P. (2010a). The Impact of deregulation and financial innovation on consumers: the case of the mortgage market. Journal of Finance, 65(1), 333–360.
Goetzmann, W., & Kumar, A. (2008). Equity Portfolio Diversification. Review of Finance, 12, 433–463.
Grinblatt, M., Keloharju, M., & Linnainmaa, J. (2011). IQ and Stock Market Participation. Journal of Finance, 66(6), 2121–2164.
Grinblatt, M., Keloharju, M., & Linnainmaa, J. (2012). IQ, trading behavior, and performance. Journal of Financial Economics, 104(2), 339–362.
Guiso, L., & Japelli, T. (2005). Awareness and stock market participation. Review of Finance, 9, 537–567.
Hackethal, A., Haliassos, M., & Japelli, T. (2012). Financial advisors: a case of babysitters? Journal of Banking and Finance, 36(2), 509–524.
Harrison, D., Noordewier, T., & Yavas, A. (2004). Do riskier borrowers borrow more? Real Estate Economics, 32(3), 385–411.
Hilgert, M., Hogarth, J., Beverly, S. (2003). Household financial management: the connection between knowledge and behavior. Federal Reserve Bulletin July, 309–322.
Hong, H., Kubik, J., & Stein, J. (2004). Social interaction and stock-market participation. Journal of Finance, 59, 137–163.
Inderst, R., & Ottaviani, M. (2009). Misselling through agents. American Economic Review, 99(3), 883–908.
Kau, J., & Keenan, D. (1987). Taxes, points and rationality in the mortgage market. Real Estate Economics, 15(3), 168–184.
Koijen, R., Van Hemert, O., & Van Nieuwerburgh, S. (2009). Mortgage timing. Journal of Financial Economics, 93(2), 292–324.
Korniotis, G., & Kumar, A. (2011). Do Older investors make better decisions. Review of Economics and Statistics, 93(1), 244–265.
LaCour-Little, M., & Yang, J. (2010). Pay me now or pay me later: alternative mortgage products and the mortgage crisis. Real Estate Economics, 38(4), 687–732.
- Lee, J., & Hogarth, J. (1999). The price of money: consumers’ understanding of APRs and contract interest rates. Journal of Public Policy and Marketing, 18(1), 66–76.
Paper not yet in RePEc: Add citation now
Lusardi, A., & Mitchell, O. (2007a). Baby boomer retirement security: the role of planning. Financial Literacy and Housing Wealth, Journal of Monetary Economics, 54, 205–224.
Lusardi, A., & Mitchell, O. (2007b). Financial Literacy And Retirement Preparedness: Evidence And Implications For Financial Education. Business Economics, 42, 35–44.
Lusardi, A., & Mitchell, O. (2008). Planning and financial literacy: how do women fare? American Economic Review, 98(2), 413–417.
- Mandell, L., & Klein, L. (2009). The impact of financial literacy education on subsequent financial behavior. Journal of Financial Counseling and Planning, 20(1), 15–23.
Paper not yet in RePEc: Add citation now
- Miles, D. (2004). The UK Mortgage Market: Taking a Longer-Term View, final report for the UK Treasury Department.
Paper not yet in RePEc: Add citation now
- Moore, D. (2003). Survey of financial literacy in Washington State: Knowledge, behavior, attitudes and experiences, Technical Report: 03-39, Social and Economic Sciences Research Center, Washington State University.
Paper not yet in RePEc: Add citation now
Morin, R., & Suarez, F. (1983). Risk aversion revisited. Journal of Finance, 38(4), 1201–1216.
- Mullainathan, S., Nöth, M., Schoar, A. (2010). The Market for Financial Advice: An Audit Study, Working Paper accessible at http://dev3.cepr.org/meets/wkcn/5/5571/papers/N%c3%b6thFinal.pd f .
Paper not yet in RePEc: Add citation now
Nosić, A., & Weber, M. (2010). How riskily do i invest? the role of risk attitudes, risk perceptions, and overconfidence. Decision Analysis, 7(3), 292–301.
- Nunnally, C. (1978). Psychometric theory. New York: McGraw-Hill Publishing Company.
Paper not yet in RePEc: Add citation now
Quercia, R., & Spader, J. (2008). Does homeownership counseling affect the prepayment and default behavior of affordable mortgage borrowers? Journal of Policy Analysis and Management, 27(2), 304–325.
Sa-Aadu, J., & Sirmans, C. (1995). Differentiated Contracts, Heterogeneous Borrowers and the Mortgage Choice Decision. Journal of Money Credit and Banking, 27(2), 498–510.
- Schober, M., & Conrad, F. (1997). Does conversational interviewing reduce survey measurement error? Public Opinion Quarterly, 61, 576–602.
Paper not yet in RePEc: Add citation now
Schooley, D., & Worden, D. (1996). Risk aversion measures: comparing attitudes and asset allocation. Financial Services Review, 5(2), 87–99.
Shum, P., & Faig, M. (2006). What explains household stock holdings? Journal of Banking and Finance, 30, 2579–2597.
Stanton, R., & Wallace, N. (1998). Mortgage choice: what’s the point? Real Estate Economics, 26, 173–205.
Stanton, R., & Wallace, N. (1999). Anatomy of an ARM: the interest rate-risk of adjustable rate mortgages. Journal of Real Estate Finance and Economics, 19, 49–67.
- US Government Accountability Office. (2006). Alternative Mortgage Products. Report to the Chairman, Subcommittee on Housing and Transportation, Committee on Banking, Housing and Urban Affairs, US Senate. GAO-06-1021, Washington DC.
Paper not yet in RePEc: Add citation now
van Hemert, O. (2010). Household interest rate risk management. Real Estate Economics, 38(3), 467–506.
van Rooij, M., Lusardi, A., & Alessie, R. (2011). Financial literacy and stock market participation. Journal of Financial Economics, 101, 449–472.
Woodward, S., & Hall, R. (2010). Consumer Confusion in the mortgage market: evidence of less than a perfectly transparent and competitive market American. Economic Review: Papers & Proceedings, 100, 511–515.