{"id":4645,"date":"2022-03-02T15:19:39","date_gmt":"2022-03-02T14:19:39","guid":{"rendered":"https:\/\/www.promostudio.info\/speakers\/laibson-david-isaac\/"},"modified":"2022-04-14T08:55:16","modified_gmt":"2022-04-14T06:55:16","slug":"laibson-david-isaac","status":"publish","type":"product","link":"https:\/\/www.promostudio.info\/en\/speakers\/laibson-david-isaac\/","title":{"rendered":"Laibson, David Isaac"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-12wsjaq-6003a4942ca86f205a4aff7e78d16ed4\">\n.avia-section.av-12wsjaq-6003a4942ca86f205a4aff7e78d16ed4{\nbackground-color:#ededed;\nbackground-image:url(https:\/\/www.promostudio.info\/wp-content\/uploads\/2021\/01\/Professional-Speakers-650x380-1.jpg);\nbackground-repeat:no-repeat;\nbackground-position:50% 100%;\nbackground-attachment:fixed;\n}\n.avia-section.av-12wsjaq-6003a4942ca86f205a4aff7e78d16ed4 .av-section-color-overlay{\nopacity:0.8;\nbackground-color:#0a0a0a;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-12wsjaq-6003a4942ca86f205a4aff7e78d16ed4 main_color avia-section-default avia-no-border-styling  avia-builder-el-0  el_before_av_section  avia-builder-el-first  avia-full-stretch avia-bg-style-fixed av-section-color-overlay-active av-minimum-height av-minimum-height-50 av-height-50  container_wrap sidebar_right'  data-section-bg-repeat='stretch' data-av_minimum_height_pc='50' data-av_min_height_opt='50'><div class=\"av-section-color-overlay-wrap\"><div class=\"av-section-color-overlay\"><\/div><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-4645'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-113nxfm-4ee6e13ac9ea4225f2c633f40d797b27 av_three_fourth  avia-builder-el-1  el_before_av_one_fourth  avia-builder-el-first  first flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l09fgnox-1da3c9fa2c3b69d03babd4544455e007\">\n#top .av-special-heading.av-l09fgnox-1da3c9fa2c3b69d03babd4544455e007{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-l09fgnox-1da3c9fa2c3b69d03babd4544455e007 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l09fgnox-1da3c9fa2c3b69d03babd4544455e007 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-l09fgnox-1da3c9fa2c3b69d03babd4544455e007 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l09fgnox-1da3c9fa2c3b69d03babd4544455e007 av-special-heading-h1 custom-color-heading blockquote modern-quote  avia-builder-el-2  el_before_av_hr  avia-builder-el-first '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >David Isaac Laibson<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='hr av-107m5xu-92d3456da97b56fc6e771779363b34ad hr-default  avia-builder-el-3  el_after_av_heading  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l09fhrqx-df26e82152b8091e91964256155e24f2\">\n#top .av-special-heading.av-l09fhrqx-df26e82152b8091e91964256155e24f2{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-l09fhrqx-df26e82152b8091e91964256155e24f2 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l09fhrqx-df26e82152b8091e91964256155e24f2 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-l09fhrqx-df26e82152b8091e91964256155e24f2 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l09fhrqx-df26e82152b8091e91964256155e24f2 av-special-heading-h3 custom-color-heading blockquote modern-quote  avia-builder-el-4  el_after_av_hr  avia-builder-el-last '><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Harvard College Professor, Robert I. Goldman Professor<\/h3><div class='av_custom_color av-subheading av-subheading_below'><p> of Economics, Harvard University, Cambridge, USA<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/p><\/div><div  class='flex_column av-y9gnqa-416f2c649ba0a07cdf22311ccd266591 av_one_fourth  avia-builder-el-5  el_after_av_three_fourth  el_before_av_three_fourth  flex_column_div  '     ><div  class='avia-slideshow av-l09fh95t-525481ce172ced3c03dbff51fc8d91ba avia-slideshow-medium av_slideshow avia-slide-slider  avia-builder-el-6  avia-builder-el-no-sibling  av-slideshow-ui av-control-default av-slideshow-manual av-loop-once av-loop-manual-endless av-default-height-applied avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;slide&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 120%;'><li  class='avia-slideshow-slide av-l09fh95t-525481ce172ced3c03dbff51fc8d91ba__0  av-single-slide slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap '   ><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-4354 avia-img-lazy-loading-not-4354\"  src=\"https:\/\/www.promostudio.info\/wp-content\/uploads\/2022\/03\/David-Isaac-Laibson.jpg\" width=\"250\" height=\"300\" title='David-Isaac-Laibson' alt=''  itemprop=\"thumbnailUrl\"   \/><\/div><\/li><\/ul><\/div><\/div><div class='flex_column_table av-vpu1qa-aa3675015a16d824156b6a78136fc8ce sc-av_three_fourth av-equal-height-column-flextable'><div  class='flex_column av-vpu1qa-aa3675015a16d824156b6a78136fc8ce av_three_fourth  avia-builder-el-7  el_after_av_one_fourth  el_before_av_one_fourth  first flex_column_table_cell av-equal-height-column av-align-top  column-top-margin'     ><\/div><div class='av-flex-placeholder'><\/div><div  class='flex_column av-pinhwi-2707b421751ea244cb801cf36d0226ed av_one_fourth  avia-builder-el-9  el_after_av_three_fourth  avia-builder-el-last  flex_column_table_cell av-equal-height-column av-align-top  column-top-margin'     ><\/div><\/div><!--close column table wrapper. Autoclose: 1 -->\n\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><\/div><div id='av_section_2'  class='avia-section av-nvcama-bac09288142fadeb64e2b1828cf2837a main_color avia-section-default avia-no-border-styling  avia-builder-el-10  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-4645'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m3fmjm-f283e020f3ba691d27f5ab9096532ac5\">\n@keyframes av_boxShadowEffect_av-m3fmjm-f283e020f3ba691d27f5ab9096532ac5-column {\n0%   { box-shadow:  0 0 0 0 #a8a8a8; opacity: 1; }\n100% { box-shadow:  0 0 10px 0 #a8a8a8; opacity: 1; }\n}\n.flex_column.av-m3fmjm-f283e020f3ba691d27f5ab9096532ac5{\nbox-shadow: 0 0 10px 0 #a8a8a8;\nborder-width:1px;\nborder-color:#bfbfbf;\nborder-style:solid;\npadding:30px 30px 30px 30px;\nbackground-color:#ffffff;\n}\n<\/style>\n<div  class='flex_column av-m3fmjm-f283e020f3ba691d27f5ab9096532ac5 av_two_third  avia-builder-el-11  el_before_av_one_third  avia-builder-el-first  first flex_column_div shadow-not-animated  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-k7dkdu-888bf3d01234470d60dffe51e8d03b08\">\n#top .av-special-heading.av-k7dkdu-888bf3d01234470d60dffe51e8d03b08{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-k7dkdu-888bf3d01234470d60dffe51e8d03b08 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-k7dkdu-888bf3d01234470d60dffe51e8d03b08 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-k7dkdu-888bf3d01234470d60dffe51e8d03b08 av-special-heading-h2 blockquote modern-quote  avia-builder-el-12  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Main Topics:<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-l09fiknh-5c2eb651f66a1bc98761e9e9219e836b '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><ul>\n<li>Macroeconomics<\/li>\n<li>Finance<\/li>\n<li>Behavioral economics and finance<\/li>\n<li>Psychology and economics<\/li>\n<li>Experimental economics<\/li>\n<li>Savings<\/li>\n<li>Consumption<\/li>\n<li>Intertemporal choice<\/li>\n<li>Neuroeconomics<\/li>\n<li>Household finance<\/li>\n<li>Bounded rationality<\/li>\n<\/ul>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ip1z5e-f484c46312e3cab2f872d30fdae88de3\">\n#top .av-special-heading.av-ip1z5e-f484c46312e3cab2f872d30fdae88de3{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-ip1z5e-f484c46312e3cab2f872d30fdae88de3 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-ip1z5e-f484c46312e3cab2f872d30fdae88de3 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-ip1z5e-f484c46312e3cab2f872d30fdae88de3 av-special-heading-h2 blockquote modern-quote  avia-builder-el-14  el_after_av_textblock  el_before_av_textblock '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Professional Profile:<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-l09flr60-448be07bb9eab3bdc8ef366beefe607f '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>David Isaac Laibson is a professor of economics at Harvard University, where he has taught since 1994. His research focuses on macroeconomics, intertemporal choice, behavioral economics and neuroeconomics.<\/p>\n<p>He received an A.B. (<i>summa<\/i>) from Harvard in 1988, studying under Benjamin M. Friedman, and went on to study at the London School of Economics (MSc. in Econometrics and Mathematical Economics) where he was a recipient of a Marshall Scholarship. He received his PhD from MIT in 1994 and joined the faculty at Harvard once he graduated. He has since gained tenure.<\/p>\n<p>At Harvard, he teaches a popular undergraduate class on &#8220;Psychology and Economics&#8221;. In addition he teaches graduate courses on macroeconomics, behavioral economics and dynamic programming. His research has been published in prestigious journals such as the QJE, AER, JEP, Econometrica, and Science. Laibson is perhaps best known within economics for his work on time inconsistency, especially his model of quasi-hyperbolic discounting. One of his most prominent early contributions has been the &#8220;Golden Eggs and Hyperbolic Discounting&#8221; paper in QJE, 1997 where he studied the intertemporal behavior of a time-inconsistent consumer. This work provides a tractable model for self-control problems, in which agents have difficulty sticking to their longterm goals. Agents in Professor Laibson&#8217;s models generally value &#8220;commitment devices,&#8221; such as 401(k) plans or housing equity, that let them accumulate assets without as much temptation to splurge. These models also explain the &#8220;debt puzzle,&#8221; that American consumers demonstrate both short-run impatience and long-run patience in their lifecycle savings decisions. Laibson has since developed hyperbolic discounting research in many directions, from more advanced theoretical models to computational macroeconomics to conceptual applications.<\/p>\n<p>His own applications of his models have focused primarily on retirement savings, with considerable empirical work on 401(k) plans. He has acquired access to a proprietary dataset of the 401(k) plan account information for several dozen companies, which has let him look empirically at the effects of various 401(k) plan designs and on the investment strategies of the plan participants. Perhaps the most important result to come from this research is that plan participants tend to follow the &#8220;path of least resistance,&#8221; showing remarkable responsiveness to defaults and other context effects from plan design. For example, a company can dramatically increase participation in its 401(k) plan if it moves to a default of automatically enrolling employees in the 401(k) plan unless they take a minor step to opt out. However, the employees tend to stick at the default contribution rates and investment allocations.<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l09mrbcg-e8b2bfec512b7b2df6ab479cb0f1f43d\">\n#top .av-special-heading.av-l09mrbcg-e8b2bfec512b7b2df6ab479cb0f1f43d{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-l09mrbcg-e8b2bfec512b7b2df6ab479cb0f1f43d .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l09mrbcg-e8b2bfec512b7b2df6ab479cb0f1f43d .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l09mrbcg-e8b2bfec512b7b2df6ab479cb0f1f43d av-special-heading-h2 blockquote modern-quote  avia-builder-el-16  el_after_av_textblock  el_before_av_textblock '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Education:<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-l09mrp1f-6a8858ec28f6ddc02b116798af58db10 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><ul>\n<li>A.B. Economics Summa Cum Laude, Harvard University, 1988<\/li>\n<li>M. Sc. Econometrics and Mathematical Economics, with Distinction, London School of econmics, 1990<\/li>\n<li>Ph. D. Economics, Massachusetts Institute of Technology, 1994<\/li>\n<\/ul>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l09ms7f4-60994f6b10b680abf6d9ead8a0a504b8\">\n#top .av-special-heading.av-l09ms7f4-60994f6b10b680abf6d9ead8a0a504b8{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-l09ms7f4-60994f6b10b680abf6d9ead8a0a504b8 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l09ms7f4-60994f6b10b680abf6d9ead8a0a504b8 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l09ms7f4-60994f6b10b680abf6d9ead8a0a504b8 av-special-heading-h2 blockquote modern-quote  avia-builder-el-18  el_after_av_textblock  el_before_av_textblock '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Selected Works:<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-l09msf5i-56b6092ed45bb7e3eac06749b62a9b52 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><ul>\n<li>Choi James, David Laibson, Brigitte Madrian. &#8220;0 Bills on the Sidewalk: Suboptimal Saving in 401(k) Plans&#8221;. Review of Economics and Statistics. Forthcoming<\/li>\n<li>Choi, James, David Laibson, Brigitte Madrian. &#8220;Why does the law of one price fail? An experiment on index mutual funds&#8221;. Review of Financial Studies. Forthcoming<\/li>\n<li>Laibson, David e Johanna Mollerstrom. &#8220;Capital Flows, Consumption Booms and Asset Bubbles: A Behavioural Alternative to the Savings Glut Hypothesis&#8221;. Economic Journal. Forthcoming<\/li>\n<li>Beshears, John, James Choi, David Laibson e Brigitte C. Madrian. The Impact of Employer Matching on Savings Plan Participation under Automatic Enrollment. Research Findings in the Economics of Aging. David A. Wise, editor. Forthcoming<\/li>\n<li>Beshears, John, James Choi, David Laibson e Brigitte C. Madrian. How Does Simplified Disclosure Affect Individuals&#8217; Mutual Fund Choices? Explorations in the Economics of Aging. David A. Wise, editor. Forthcoming. Summarized in July 2009 NBER Digest<\/li>\n<li>Beshears, John, James J. Choi, David Laibson, Brigitte C. Madrian e Brian Weller. 2010. Public Policy and Saving for Retirement: The &#8220;Autosave&#8221; Features of the Pension Protection Act of 2006. Better Living Through Economics<\/li>\n<li>Agarwal, Sumit, John Driscoll, Xavier Gabaix, e David Laibson. 2009. The Age of Reason: Financial Decisions over the Life-Cycle and Implications for Regulation. Brookings Papers on Economic Activity<\/li>\n<li>Choi, James, David Laibson, Brigitte C. Madrian e Andrew Metrick. 2009. &#8220;Reinforcement Learning and Savings Behavior&#8221;. Journal of Finance<\/li>\n<li>Carroll, Gabriel D., James Choi, David Laibson, Brigitte C. Madrian e Andrew Metrick. 2009. &#8220;Optimal Defaults and Active Decisions&#8221;. Quarterly Journal of Economics<\/li>\n<li>Choi, James J., David Laibson, Brigitte C. Madrian. 2009. &#8220;Mental Accounting in Portfolio Choice: Evidence from a Flypaper Effect&#8221;. American Economic Review<\/li>\n<li>Chabris, C.F., D.I. Laibson, C.L. Morris, J.P. Schuldt, J.P. e D. Taubinsky. 2009. &#8220;The allocation of time in decision-making&#8221;. Journal of the European Economic Association<\/li>\n<\/ul>\n<\/div><\/section><\/p><\/div><div  class='flex_column av-g377ci-a92c220aaa3725fb198153f32089dd34 av_one_third  avia-builder-el-20  el_after_av_two_third  avia-builder-el-last  flex_column_div  '     ><div  class='avia-builder-widget-area clearfix  avia-builder-el-21  avia-builder-el-no-sibling '><div id=\"custom_html-3\" class=\"widget_text widget clearfix widget_custom_html\"><div class=\"textwidget custom-html-widget\">\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-dskg1y-7640993e4bf78f89128063a9fecf1497\">\n.av_promobox.av-dskg1y-7640993e4bf78f89128063a9fecf1497{\ncolor:#ffffff;\nbackground:#444444;\nborder-color:#333333;\n}\n<\/style>\n<div  class='av_promobox av-dskg1y-7640993e4bf78f89128063a9fecf1497 avia-button-no'><div class='avia-promocontent'><h3 style=\"text-align: center;\"><span style=\"color: #ffffff;\">To know costs and availability<\/span><\/h3>\n<\/div><\/div>\r\n<form 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