Benjamin Ikuta

• Benjamin Ikuta 22 Oct 2022 10:54 UTC

  2 points

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  in reply to: Cullen’s comment on: Long-term Dona­tion Bunch­ing?

  Any update?

• Benjamin Ikuta 22 Oct 2022 10:53 UTC

  2 points

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  in reply to: Ben Kuhn’s comment on: Long-term Dona­tion Bunch­ing?

  Interesting idea! Have you looked into this since?

• Benjamin Ikuta 17 Oct 2022 16:48 UTC

  1 point

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  on: Pop­u­lar Per­sonal Fi­nan­cial Ad­vice ver­sus the Pro­fes­sors (James Choi, NBER)

  ARMs make sense in theory, but I’ve heard that in practice the embedded interest rate option tends to be underpriced because homeowners don’t always exercise when it would benefit them.

• Benjamin Ikuta 17 Oct 2022 9:45 UTC

  4 points

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  in reply to: vipulnaik’s comment on: Pop­u­lar Per­sonal Fi­nan­cial Ad­vice ver­sus the Pro­fes­sors (James Choi, NBER)

  A good example is students living very frugally and refusing to take out loans even on extremely favorable terms. Or when there are particularly large and predictable future income increases, such as after a residency or analogous period.