A5024989667- Financial Literacy, Pension, Retirement Analysis
- Financial Markets and Investment Strategies
- Genetic Associations and Epidemiology
- Genetic Mapping and Diversity in Plants and Animals
- Nutrition, Genetics, and Disease
- Global Health Care Issues
- Housing Market and Economics
- Folate and B Vitamins Research
- Cognitive Abilities and Testing
- Experimental Behavioral Economics Studies
- Health, Environment, Cognitive Aging
- Decision-Making and Behavioral Economics
- Personality Traits and Psychology
- Behavioral Health and Interventions
- demographic modeling and climate adaptation
- Circadian rhythm and melatonin
- Corporate Finance and Governance
- Bioinformatics and Genomic Networks
- Migration, Aging, and Tourism Studies
- Sleep and related disorders
- Carbon Nanotubes in Composites
- Sleep and Work-Related Fatigue
- Polymer crystallization and properties
- Insurance, Mortality, Demography, Risk Management
- Polymer Nanocomposites and Properties
Oulu University of Applied Sciences
2022-2023
Aalto University
2023
University of Oulu
2015-2021
University of Louisiana at Lafayette
2016
Abstract Humans vary substantially in their willingness to take risks. In a combined sample of over one million individuals, we conducted genome-wide association studies (GWAS) general risk tolerance, adventurousness, and risky behaviors the driving, drinking, smoking, sexual domains. We identified 611 approximately independent genetic loci associated with at least our phenotypes, including 124 tolerance. report evidence substantial shared influences across tolerance behaviors: 72 contain...
We analyze stock market participation in 19 European countries, providing a composite view of the interplay and relative importance established drivers. jointly control for nearly all relevant drivers found prior studies, which tend to introduce one novel variable at time often omit risk-aversion. Excellent full model predictive power decomposes into institutional (country) fixed effects (about 30% total), traditional individual-level variables (50%), more recently identified behavioral...
Objectives This is the first general population study to evaluate whether evening chronotypes (E) have poorer work ability (WA) and higher probability for early disability pensions (DPs) than morning types (M) in middle age. Methods Among non-retired individuals (n=5831; 2672 men, 3159 women) of Northern Finland Birth Cohort 1966, chronotype was determined at age 46 years with shortened Morningness–Eveningness Questionnaires 2012. The outcomes were poor WA 2012, indicated by scores 0–7/10...
We analyze household stock market participation and allocation in a survey covering 19 European countries. jointly control for all relevant variables from prior studies, which typically focus on one at time, omit risk-aversion. Excellent full model predictive power decomposes into institutional (country) fixed effects (30%), traditional individual-level (50%), more recently identified behavioral (20%), single latent factor captures 93% of total explanatory power. sketch hierarchical...
Sleep has been shown to affect economic outcomes, including wages. The mechanisms by which sleep affects wages remain unclear. We examine the relationship between chronotype – morning larks, evening owls and at mid-age. propose a novel model relating in consideration of human, social, health capital constructs. Empirically, we explore effects mediated through life course choices, such as work experience, trust, behaviour. data come from 46-year-old follow-up study Northern Finland Birth...
In this study, low‐density polyethylene (LDPE) crystalline structures produced via a solution‐crystallization method on carbon nano‐fillers were characterized. The used in study are nanotubes (CNTs) and nanofibers (CNFs). CNTs CNFs to act as nucleating surface for polymer crystallization. the case of CNTs, we obtained nanohybrid shish‐kebab architecture by epitaxial This is unique way bond with nanofillers, which shish, while kebabs. A pressure‐induced crystallization approach was employed...
To examine the relationship between early health status and financial decisions in adulthood, we link information on birth weight 1966 from Northern Finland Birth Cohort to data Finnish Central Securities Depository over period of 1995–2010. We find that persons predisposed poor childhood (indicated by low weight) avoid participating stock market with a 10% increase associated 1.9% probability participation. The participation is partially channeled being higher risk aversion. Early not...
We show that personality traits are related to an investor’s preferences for value versus growth stocks and small capitalization large stocks. have detailed trait data official register holdings of 710 individuals in Finland. The results more extravagant tend towards stocks; impulsive people sentimental investors social with a tilt value. consistent when looking at the portfolio characteristics across investors, over time, using aggregate portfolios similar traits, both widely held non-widely
To examine the relationship between early health status and financial decisions in adulthood, we link information on birth weight 1966 from Northern Finland Birth Cohort to data Finnish Central Securities Depository over period of 1995-2010. We find that persons predisposed poor childhood (indicated by low weight) avoid participating stock market adulthood. The participation is partially explained fact leads risk aversion. Early not significantly related portfolio's value-growth tilt.