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Biased perceptions of risks change the perceived value of insurance and the perceived returns to avoiding these risks. I show empirically that unemployed workers overestimate how quickly they will find work, but underestimate the return to their search efforts. I analyze the consequences for the optimal design of unemployment insurance. With biased beliefs, contracts equalizing the marginal smoothing benefit and the moral hazard cost of insurance are suboptimal. Social and private insurance diverge; a paternalistic social planner corrects the moral hazard cost for the distortion in the insured's effort choice, while private insurers focus on the perceived rather than the true smoothing benefits. When unemployed workers are optimistic, privatizing unemployment insurance may result in inefficiently low or rapidly decreasing unemployment benefits.
A must have employment guide that offers a more "optimistic" spin on unemployment! Unemployment Doesn't have to Suck! brings a new, fresh, look on unemployment. Designed to quickly have you up and running in an invigorating, exciting new direction! Part employment guide, career coach, life-coach, motivator, cost-saver, and resume builder, this book turns quicker than a break dancing penguin. Want to travel around the world for free, go to school for free, have your resume evaluated free, and get your resume career bullet points for free? This guide covers all that and more. Perfect for anyone who needs a break! This book contains note pages, checklists, and forms at the end for added convenience.
In No Job? No Prob!, business writer Nicholas Nigro shows readers how to convert unemployment lemons into refreshing lemonade. Offering advice that is at once motivational ("when unemployment comes calling, start walking and don't look back"), practical ("20 ways to make yourself leave the house at least once a day"), and fun ("20 things you can do with your retired briefcase"), No Job? No Prob! is the most well-rounded and optimistic unemployment guide available. It also includes useful quizzes that will help you take stock of what you have, decide what you want, and figure o.
A self-help book to help the unemployed and their families cope more effectively during a time when they feel helpless.
Take advantage of your free time and learn how to - Handle unemployment without flipping your lid - Escape video game overdose - Face Black Monday (and Tuesday, Wednesday, Thursday, Friday, etc.) - Have fun for little or no money - Gain new perspectives - Keep loved ones sane while you are jobless - Rid yourself of resentment - Feel confident with a lower standard of living - Explain job loss to children - Set a financial plan
Paul Auerbach's Socialist Optimism offers an alternative political economy for the twenty-first century. Present-day capitalism has generated growing inequality of income and wealth, persistent high levels of unemployment and ever-diminishing prospects for young people. But in the absence of a positive vision of how society and the economy might develop in the future, the present trajectory of capitalism will never be derailed, no matter how acute the critique of present-day developments. The detailed blueprint presented here focuses upon the education and upbringing of children in the context of social equality and household security. It yields a well-defined path to human development and liberation, as well as democratic control of working life and public affairs. Socialism as human development gives a unity and direction to progressive policies that are otherwise seen to be a form of pragmatic tinkering in the context of a pervasive capitalist reality.
This is the first book to investigate individual’s pessimistic and optimistic prospects for the future and their economic consequences based on sound mathematical foundations. The book focuses on fundamental uncertainty called Knightian uncertainty, where the probability distribution governing uncertainty is unknown, and it provides the reader with methods to formulate how pessimism and optimism act in an economy in a strict and unified way. After presenting decision-theoretic foundations for prudent behaviors under Knightian uncertainty, the book applies these ideas to economic models that include portfolio inertia, indeterminacy of equilibria in the Arrow-Debreu economy and in a stochastic overlapping-generations economy, learning, dynamic asset-pricing models, search, real options, and liquidity preferences. The book then proceeds to characterizations of pessimistic (ε-contaminated) and optimistic (ε-exuberant) behaviors under Knightian uncertainty and people’s inherent pessimism (surprise aversion) and optimism (surprise loving). Those characterizations are shown to be useful in understanding several observed behaviors in the global financial crisis and in its aftermath. The book is highly recommended not only to researchers who wish to understand the mechanism of how pessimism and optimism affect economic phenomena, but also to policy makers contemplating effective economic policies whose success delicately hinges upon people’s mindsets in the market. Kiyohiko Nishimura is Professor at the National Graduate Institute for Policy Studies (GRIPS) and Professor Emeritus and Distinguished Project Research Fellow of the Center for Advanced Research in Finance at The University of Tokyo. Hiroyuki Ozaki is Professor of Economics at Keio University.
Would you like to change your thinking?Would you like to forget your past? Would you like your horrible night dream to become very nice dreams? Would you like your body pains and suffering to go away? Would you like luck come your way? Would you like positive things to happen in mysterious ways in your life more often than not? Then this book is for you. There are two methods given in this book and they will help you to achieve these goals (1) the first method is to control your physical and thinking karma and (2) the second method is a copyright (by me) and it will guide you to transform your thoughts from physical-thoughts to non-physical-thoughts (divine/higher-power/God). I did this in 6-9 months. You do it once and then maintain it. When you transform your thoughts then you throw away your thoughts such that all your thoughts, happy, sad and negative thoughts are thrown away. This way all your thinking goes away. Your mind does not go blank but you replace your mind with non-physical thoughts. Once you have accomplished this then you have new thinking without your baggage. You will forget your past. At this level, your karma will improve and go positive, and as this happens, your horrible night dreams will become positive. At time moves forward, your body pains will slowly go away. If you get hurt in sports then you will heal faster. This is a very powerful method. As time passes, you may be able to establish communication with divine/higher-power/God and you may begin to receive bells and whistles at some point. If this happens then you will be an extremely happy person.