Nicholas S. Souleles

Finance Department
The Wharton School
2300 SH-DH
University of Pennsylvania
Philadelphia, PA 19104-6367
Tel: 215/898-9466
Fax: 215/898-6200

E-Mail: EmailAddress: hidden: you can email any NBER-related person as first underscore last at nber dot org
NBER Program Affiliations: EFG , ME
NBER Affiliation: Research Associate
Institutional Affiliation: University of Pennsylvania

NBER Working Papers and Publications

October 2017Reported Effects vs. Revealed-Preference Estimates: Evidence from the propensity to spend tax rebates
with Jonathan A. Parker: w23920
July 2014The Benefits of Panel Data in Consumer Expenditure Surveys
with Jonathan A. Parker, Christopher D. Carroll
in Improving the Measurement of Consumer Expenditures, Christopher D. Carroll, Thomas F. Crossley, and John Sabelhaus, editors
January 2011Consumer Spending and the Economic Stimulus Payments of 2008
with Jonathan A. Parker, David S. Johnson, Robert McClelland: w16684

Published: Jonathan A. Parker & Nicholas S. Souleles & David S. Johnson & Robert McClelland, 2013. "Consumer Spending and the Economic Stimulus Payments of 2008," American Economic Review, American Economic Association, vol. 103(6), pages 2530-53, October. citation courtesy of

October 2009Can Owning a Home Hedge the Risk of Moving?
with Todd M. Sinai: w15462

Published: Todd Sinai & Nicholas Souleles, 2013. "Can Owning a Home Hedge the Risk of Moving?," American Economic Journal: Economic Policy, American Economic Association, vol. 5(2), pages 282-312, May. citation courtesy of

December 2007Net Worth and Housing Equity in Retirement
with Todd Sinai: w13693

Published: Recalibrating Retirement Spending and Saving John Ameriks and Olivia S. Mitchell Print publication date: 2008 Print ISBN-13: 9780199549108 Published to Oxford Scholarship Online: January 2009 DOI: 10.1093/acprof:oso/9780199549108.001.0001

The Reaction of Consumer Spending and Debt to Tax Rebates -- Evidence from Consumer Credit Data
with Sumit Agarwal, Chunlin Liu: w13694

Published: Sumit Agarwal & Chunlin Liu & Nicholas S. Souleles, 2007. "The Reaction of Consumer Spending and Debt to Tax Rebates-Evidence from Consumer Credit Data," Journal of Political Economy, University of Chicago Press, vol. 115(6), pages 986-1019, December. citation courtesy of

January 2007Special Purpose Vehicles and Securitization
with Gary B. Gorton
in The Risks of Financial Institutions, Mark Carey and René M. Stulz, editors
November 2005A Portfolio View of Consumer Credit
with David K. Musto: w11735

Published: Musto, David K. and Nicholas S. Souleles. "A Portfolio View Of Consumer Credit," Journal of Monetary Economics, 2006, v53(1,Jan), 59-84. citation courtesy of

March 2005Special Purpose Vehicles and Securitization
with Gary Gorton: w11190
September 2004Household Expenditure and the Income Tax Rebates of 2001
with David S. Johnson, Jonathan A. Parker: w10784

Published: David S. Johnson & Jonathan A. Parker & Nicholas S. Souleles, 2006. "Household Expenditure and the Income Tax Rebates of 2001," American Economic Review, American Economic Association, vol. 96(5), pages 1589-1610, December. citation courtesy of

January 2003Owner-Occupied Housing as a Hedge Against Rent Risk
with Todd Sinai: w9462

Published: Sinai, Todd and Nicholas S. Souleles. "Owner-Occupied Housing As A Hedge Against Rent Risk," Quarterly Journal of Economics, 2005, v120(2,May), 763-789. citation courtesy of

April 2002Physician Income Prediction Errors: Sources and Implications for Behavior
with Sean Nicholson: w8907
October 2001Physician Income Expectations and Specialty Choice
with Sean Nicholson: w8536
August 2001An Empirical Analysis of Personal Bankruptcy and Delinquency
with David B. Gross: w8409

Published: Gross, D. B. and N. S. Souleles. "An Empirical Analysis Of Personal Bankruptcy And Delinquency," Review of Financial Studies, 2002, v15(1,Mar), 319-347. citation courtesy of

Consumer Sentiment: Its Rationality and Usefulness in Forecasting Expenditure - Evidence from the Michigan Micro Data

Published: Souleles, Nicholas S. "Expectations, Heterogeneous Forecast Errors, And Consumption: Micro Evidence Form The Michigan Consumer Sentiment Surveys," Journal of Money, Credit and Banking, 2004, v36(1,Feb), 39-72.

June 2001Do Liquidity Constraints and Interest Rates Matter for Consumer Behavior? Evidence from Credit Card Data
with David B. Gross: w8314

Published: Gross, David B. and Nicholas S. Souleles. "Do Liquidity Constraints And Interest Rates Matter For Consumer Behavior? Evidence From Credit Card Data," Quarterly Journal of Economics, 2002, v107(1,Feb), 149-185. citation courtesy of

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