Another one from the archive: In this TED talk from 2010, Sendhil talks about something that animates a lot of the work ideas42 does: the problems we know how to solve, in a technical sense, but don’t. “We know how to reduce child deaths due to diarrhea, how to prevent diabetes-related blindness and how to […]
Several years since a collapse in house prices triggered the deepest financial and economic crisis in post-war American history, almost one in eight mortgage borrowers in the US are now either delinquent or in foreclosure proceedings. However, despite the considerable resources invested in various loan modification programs, the benefits have not reached the majority of […]
In his conversation with Glenn Loury, Sendhil Mullainathan touched on the stresses of parenting. But how does poverty affect all this? Is there reason to believe that a harried single mother who is also poor will have an even harder time doing the things needed for her child to do well than a harried single […]
How should findings about discipline and self-control shape policies to prevent over-indebtedness? How should the ways people learn and retain knowledge shape financial education programs? What are the best ways to disclose product costs and terms in a way that is relevant to consumers’ daily lives? These were some of the key questions explored in […]
Congress established the Consumer Financial Protection Bureau in July 2011 with the goal of promoting accountability, fairness, and transparency in the financial industry. The CFPB works to provide consumers with honest, accessible information about financial regulations and to help them understand their own relationships with financial institutions as mortgagers, credit card providers, and investment banks. […]
Millions of people carry huge credit card balances. Is it because they don’t understand the costs? Millions more don’t set aside money in a retirement account. Do they not understand the benefits? The conventional answer to both questions is yes. The conventional response is to offer them personal finance 101. Building financial literacy is a […]
Spend enough time working on energy efficiency in the U.S. and you will eventually arrive at a curious fact. Despite the best efforts of government to encourage conservation, Americans leave an estimated $130 billion on the table every year in energy-saving opportunities. That’s more than the operating budget of every federal department except for defense. […]
One from the archives: back in 2010, ideas42 co-founder Sendhil Mullainathan and New York University’s Glenn Loury had a wide-ranging discussion about behavioral economics, which you can listen to here. Lots of food for thought in there, including the behavioral economics of the snooze button, why single mothers are like air-traffic controllers, and sundry other […]
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