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Innovative Ways to Encourage Personal Savings
Putting together the money for everything from a short-term emergency to retirement is hard enough, a challenge that low- and moderate-income...
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  • 2021
  • Working Paper

The Health Costs of Cost-Sharing
By: Amitabh Chandra, Evan Flack and Ziad Obermeyer
We use the design of Medicare’s prescription drug benefit program to demonstrate three facts about the health consequences of cost-sharing. First, we show that an as-if-random increase of 33.6% in out-of-pocket price (11.0 percentage points (p.p.) change in...  View Details
Keywords: Cost-sharing; Impact; Health Care and Treatment; Insurance; Health; Consumer Behavior
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  • January 2021
  • Case

The FIRE Savings Calculator
By: Michael Parzen and Paul J. Hamilton
This case follows Carol Muñoz, a member of the Financial Independence, Retire Early (FIRE) lifestyle movement. At the age of 45, Carol is considering retiring and living off the $1 million she has accumulated. Using Monte Carlo simulation, Carol forecasts the...  View Details
Keywords: Analysis; Forecasting and Prediction; Financial Strategy; Investment Portfolio; Investment Return; Personal Finance; Saving; Risk and Uncertainty; Diversification; Theory; Financial Services Industry
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  • January 2021 (Revised January 2021)
  • Case

Serum Institute of India (SII) : Racing to Save Lives During a Pandemic
By: Rohit Deshpandé, Anjali Raina and Rachna Chawla
The CEO of Serum Institute of India (SII), a $12.8 billion Indian Family business is faced with a risky choice between principles and profit. SII is the largest manufacturer of vaccines in the world and Adar Poonawalla, the CEO and son of the founder has to decide how...  View Details
Keywords: Business Ethics; Healthcare; Covid-19; Vaccines; Family Business; Ethics; Health Care and Treatment; Health Pandemics; Leadership; Corporate Accountability; Fairness; Growth and Development Strategy; Health Industry; India; South Asia
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  • January 2021 (Revised January 2021)
  • Case

Thomas Keller Restaurant Group: Leadership Through a Pandemic
By: Lena G. Goldberg and Michael S. Kaufman
Thomas Keller, the first and only American-born chef to hold multiple three-star ratings from the prestigious Michelin Guide, and Joe Essa, the immediate past Board Chair of the National Restaurant Association and the CEO of Keller’s restaurant group, were class guests...  View Details
Keywords: Restaurants; Restaurant Industry; Covid-19; Health Pandemics; Leadership; Business and Community Relations
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  • Winter 2021
  • Editorial

The Start of Time Smart Leadership
By: Ashley Whillans
The author discusses the concept of “time poverty,” which she defines as “having too many things to do and not enough time to do them.” It is a problem because it undermines happiness and productivity and increases stress. For instance, in 2012, 50 percent of working...  View Details
Keywords: Time Poverty; Time And Wellbeing; Leadership; Employees; Time Management; Performance Productivity; Welfare
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  • January 2021
  • Article

Veil-of-Ignorance Reasoning Mitigates Self-Serving Bias in Resource Allocation During the COVID-19 Crisis
By: Karen Huang, Regan Bernhard, Netta Barak-Corren, Max Bazerman and Joshua D. Greene
The COVID-19 crisis has forced healthcare professionals to make tragic decisions concerning which patients to save. Furthermore, the COVID-19 crisis has foregrounded the influence of self-serving bias in debates on how to allocate scarce resources. A utilitarian...  View Details
Keywords: Self-serving Bias; Procedural Justice; Bioethics; Covid-19; Fairness; Health Pandemics; Resource Allocation; Decision Making
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  • January 2021
  • Article

The Effects of Menu Costs on Retail Performance: Evidence from Adoption of the Electronic Shelf Label Technology
By: Ioannis Stamatopoulos, Achal Bassamboo and Antonio Moreno
We use the adoption of electronic shelf labels (ESLs) by an international grocery retailer in 2015 to identify the effects of physical menu costs (i.e., labor and material costs of price adjustment) on retail performance. We find that the installation of ESLs increased...  View Details
Keywords: Retail Operations; Dynamic Pricing; Revenue Management; Operations; Price; Revenue; Management; Retail Industry
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  • 2020
  • Tool

Time Smart: Tools for Reclaiming Your Time and Living a Happier Life
By: Ashley V. Whillans
There's an 80 percent chance you're poor. Time poor, that is. Four out of five adults report feeling that they have too much to do and not enough time to do it. These time-poor people experience less joy each day. They laugh less. They are less healthy, less...  View Details
Keywords: Time And Wellbeing; Time-as Money; Time Management; Happiness; Well-being
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  • December 2020
  • Article

Consumer Reactance to Promotional Favors
By: Marco Bertini and Aylin Aydinli
Promotional favors are an increasingly popular but seldom researched form of price promotion where the receipt of the saving by consumers depends on an action on their part that is nonmonetary in nature, such as completing a questionnaire, posting a review, or making a...  View Details
Keywords: Promotional Favors; Conditional Discounts; Psychological Reactance; Price Promotions; Pricing; Marketing; Price; Consumer Behavior
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  • 1 Dec 2020
  • Interview

Digital Health Care: Empowering Consumers
By: Regina E. Herzlinger
Regina Herzlinger, the Nancy R. McPherson Professor of Business Administration, has been studying the health care sector for nearly half a century. In that time, she has seen significant innovation in the field—and she has also seen the powerful sway of the status quo,...  View Details
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  • November 2020
  • Case

Holaluz: Taking on the Spanish Energy Market
By: Elie Ofek, Marco Bertini, Oded Koenigsberg, Elena Corsi and Emer Moloney
In 2020, the three cofounders of Holaluz, a newcomer to Spain’s electricity retail market, are preparing to launch a new offering: installing and managing solar panels on households' roofs at no extra cost for the consumer, who would still benefit from the energy...  View Details
Keywords: Electricity; Solar Power; Subscription Business; Renewable Energy; Entrepreneurship; Service Delivery; Business Model; Product Launch; Marketing; Energy Industry; Spain
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  • November–December 2020
  • Article

Our Work-from-Anywhere Future
By: Prithwiraj Choudhury
The pandemic has hastened a rise in remote working for knowledge-based organizations. This has notable benefits: Companies can save on real estate costs, hire and utilize talent globally, mitigate immigration issues, and experience productivity gains, while workers can...  View Details
Keywords: Remote Work; Best Practices; Employment; Health Pandemics; Geographic Location; Opportunities; Problems and Challenges
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  • 2020
  • Working Paper

The Effects of Temporal Distance on Intra-Firm Communication: Evidence from Daylight Savings Time
By: Jasmina Chauvin, Prithwiraj Choudhury and Tommy Pan Fang
Cross-border communication costs have plummeted and enabled the global distribution of work, but frictions attributable to distance persist. We estimate the causal effects of temporal distance stemming from time zone differences on intra-firm communication. We argue...  View Details
Keywords: Communication Patterns; Time Zones; Geographic Frictions; Knowledge Workers; Multinational Companies; Communication; Multinational Firms and Management; Geographic Location
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  • October 7, 2020
  • Editorial

Time Confetti and the Broken Promise of Leisure
By: Ashley Whillans
It’s true: we have more time for leisure than we did fifty years ago. But leisure has never been less relaxing, mostly because of the disintermediating effects of our screens. Technology saves us time, but it also takes it away. This is known as the autonomy paradox....  View Details
Keywords: Time And Wellbeing; Leisure; Time Management; Work-Life Balance; Well-being
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  • October 5, 2020
  • Editorial

Robots Save Us Time—But Do They Make Us Happier?
By: A.V. Whillans, Emanuel de Bellis, Fabian Nindl and Tobias Schlager
Autonomous products such as robotic vacuum cleaners, lawn mowers, and playmates for our pets are meant to improve people’s lives—but do they actually make consumers happier? The authors share the results of recent research which found that owning autonomous products...  View Details
Keywords: Technology; Consumer Behavior; Attitudes; Customer Satisfaction; Marketing Communications
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  • October 2020
  • Article

Overcoming Resource Scarcity: Consumers' Response to Gifts Intending to Save Time and Money
By: Alice Lee-Yoon, Grant Donnelly and A.V. Whillans
Consumers feel increasingly pressed for time and money. Gifts have the potential to reduce scarcity in recipients’ lives, yet little is known about how recipients perceive gifts given with the intention of saving them time or money. Across four studies (N=1,403), we...  View Details
Keywords: Scarcity; Status; Time; Gift Giving; Status and Position; Money; Attitudes; Emotions
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  • September 2020
  • Case

Algramo
By: Michael Chu, Monica Silva and Mariana Cal
Founded in 2013 by José Manuel Moller in Chile, Algramo first became known for addressing the “poverty tax” (the surcharge paid by lower income families for staples sold in smaller sizes) through specially-designed dispensers in low-income neighborhood grocery stores...  View Details
Keywords: Packaging-as-a-wallet; Plastic Waste; Business At The Base Of The Pyramid; Reusable Packaging; Alliances With Fmcgs To Meet Esg Goals; Social Entrepreneurship; Environmental Sustainability; Strategy; Value Creation; Goals and Objectives; Business Model; Consumer Products Industry; Latin America; South America; Chile
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  • August 24, 2020
  • Editorial

How to (Actually) Save Time When You're Working Remotely
By: Lauren C. Howe, Ashley V. Whillans and Jochen I. Menges
The pandemic has given many of us the opportunity to ditch the commute and work from home long-term, offering huge potential time savings. But to truly reap the benefits of remote work during the current crisis and beyond, we need to think proactively about how we...  View Details
Keywords: Time; Well-being; Remote Work; Work-Life Balance; Time Management
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  • 2020
  • Working Paper

Optimal Illiquidity
By: John Beshears, James J. Choi, Christopher Clayton, Christopher Harris, David Laibson and Brigitte C. Madrian
We calculate the socially optimal level of illiquidity in an economy populated by households with taste shocks and present bias (Amador, Werning, and Angeletos 2006). The government chooses mandatory contributions to respective spending/savings accounts, each with a...  View Details
Keywords: Illiquidity; Social Security; Econometric Models
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  • June 30, 2020
  • Article

Bipartisan Tax-Free Solution to Health Care Financing: Coupling HRAs With a Public Option
By: Regina E. Herzlinger, Richard Boxer and James Wallace
A combination of health insurance initiatives by the presumptive 2020 Democratic and Republican presidential nominees could expand health care coverage and significantly reduce costs, without raising taxes. Along the way, the combination could revitalize private...  View Details
Keywords: Health Care Financing; Public Option; Health Reimbursement Arrangement (hra); Health Care and Treatment; Insurance; Cost Management
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Are you looking for?

Innovative Ways to Encourage Personal Savings
Putting together the money for everything from a short-term emergency to retirement is hard enough, a challenge that low- and moderate-income...
→ Search All HBS Web