This paper studies how firms set contributions to employer-provided 401(k)-type pension plans. Using a reform that decreased the subsidy to contributions to capital pension accounts for Danish workers in the top income tax bracket, we provide strong evidence that employers' contributions are based on their employees' savings preferences. We find an immediate decrease in employer contributions t...

Many households neglect the pivotal task of planning for retirement. Proposals to stimulate employees to save for retirement in the workplace include tax subsidies, which are costly, and using automatic defaults, which may not complement the heterogeneous preferences of savers. This randomized field study shows that an information-based intervention increases reported retirement plan participat...

This paper addresses the change from batch mode to online mode in offices and workplaces in the 1970s and 1980s. Particular focus is on the role of IBM and the 3270 display terminal. The change had profound implications for users and system developers. The paper is based on oral history interviews with former employees of the two large Danish service bureaus, Datacentralen and Kommunedata, and ...

underground economy affects important indexes such as formal gdp, unemployment, consumption, production and etc. therefore it is necessary to identify elements and factors which affect underground economy to restrict it. surveys and studies indicate the size of iran’s underground economy is high and taxes, quantity and quality of regulations and performance of formal economy are the important f...

Environmental exposures of workplace may affect employees' health including the nervous and psychological systems. Aim of this study was to determine the effects of occupational factors on psychological and neurological systems in workplaces. This is historical cohort study on employees in low and high exposure groups. The study's tool was flexible interview, questionnaire and occupational fact...

This study focuses upon the financial governance mechanism set up in the Portuguese Estado da Índia, which is examined from both a structural and dynamic perspective over the period from 1517 to 1640. It seeks to provide a general outline of the peripheral extensions of this system—taking the form of a network of feitorias (trading posts) and recebedorias (tax collection offices)—as well as the...

One approach to covering the uninsured that is frequently advocated by policy-makers is subsidizing the employee portion of employer-provided health insurance premiums. But, since the vast majority of those offered employer-provided health insurance already take it up, such an approach is only appealing if there is a very high takeup elasticity among those who are offered and uninsured. Moreove...

As defined contribution pension plans have become increasingly common over the past two decades, so have lump sum distributions from those plans. Employees who elect such a distribution take the balance of their pension account with them when they leave a job. They can then choose to maintain the funds in accounts designated for retirement, invest them in other saving vehicles, or spend them. I...