Emily Gallagher
@profemily.bsky.social
Assistant Professor of Finance at U. Colorado Boulder. Studies: household finance. Loves: happy pit bulls, soccer, and wonky podcasts
Reposted by Emily Gallagher
Here's your periodic reminder of how to easily support Ukraine: buy & wear an "Economists for Ukraine" t-shirt!
www.bonfire.com/economists-f...
www.bonfire.com/economists-f...
Economists for Ukraine T-Shirt | Bonfire
Profits from this fundraiser will be used to meet under-served needs in Ukraine.. Over 5 million Ukrainians have left the country since the war, and over 7 million have...
www.bonfire.com
July 3, 2025 at 7:35 PM
Here's your periodic reminder of how to easily support Ukraine: buy & wear an "Economists for Ukraine" t-shirt!
www.bonfire.com/economists-f...
www.bonfire.com/economists-f...
Reposted by Emily Gallagher
Amid all the other news, it's easy to become inured to the basic facts here. Öztürk:
-Is not accused of committing any crime
-Is nonviolent
-Was in this country legally
-Merely engaged in speech that the administration objects to
-Has been locked up for six weeks
-Is not accused of committing any crime
-Is nonviolent
-Was in this country legally
-Merely engaged in speech that the administration objects to
-Has been locked up for six weeks
Now from Öztürk’s ACLU lawyer Esha Bhandari:
“Rümeysa Öztürk’s case is unprecedented and shocking. She has been held behind bars for six weeks while her health deteriorates for writing an op-ed.”
“Rümeysa Öztürk’s case is unprecedented and shocking. She has been held behind bars for six weeks while her health deteriorates for writing an op-ed.”
May 6, 2025 at 2:50 PM
Amid all the other news, it's easy to become inured to the basic facts here. Öztürk:
-Is not accused of committing any crime
-Is nonviolent
-Was in this country legally
-Merely engaged in speech that the administration objects to
-Has been locked up for six weeks
-Is not accused of committing any crime
-Is nonviolent
-Was in this country legally
-Merely engaged in speech that the administration objects to
-Has been locked up for six weeks
Reposted by Emily Gallagher
"We've been left no choice but to this week suspend treatment for 650,000 malnourished women and children — simply because we've run out of commodities and funding," Zlatan Milisic, WFP Country Director in Ethiopia told a Geneva press briefing by video from Addis Ababa.
Malnutrition treatments halted in Ethiopia due to underfunding, WFP says reut.rs/4jB8BVW
April 22, 2025 at 1:05 PM
"We've been left no choice but to this week suspend treatment for 650,000 malnourished women and children — simply because we've run out of commodities and funding," Zlatan Milisic, WFP Country Director in Ethiopia told a Geneva press briefing by video from Addis Ababa.
Reposted by Emily Gallagher
Why speak up?
"Authoritarian populists such as the late Hugo Chávez (Venezuela), Vladimir Putin (Russia), Viktor Orbán (Hungary), Narendra Modi (India), and Recep Tayyip Erdoğan (Turkey) always target universities and trample academic freedoms."
"Authoritarian populists such as the late Hugo Chávez (Venezuela), Vladimir Putin (Russia), Viktor Orbán (Hungary), Narendra Modi (India), and Recep Tayyip Erdoğan (Turkey) always target universities and trample academic freedoms."
When Will US Academia and Business Speak Up Against Trump? | by Dani Rodrik - Project Syndicate
Dani Rodrik argues that leaders in both sectors bear a disproportionate responsibility to come to democracy's defense.
www.project-syndicate.org
April 14, 2025 at 2:23 PM
Why speak up?
"Authoritarian populists such as the late Hugo Chávez (Venezuela), Vladimir Putin (Russia), Viktor Orbán (Hungary), Narendra Modi (India), and Recep Tayyip Erdoğan (Turkey) always target universities and trample academic freedoms."
"Authoritarian populists such as the late Hugo Chávez (Venezuela), Vladimir Putin (Russia), Viktor Orbán (Hungary), Narendra Modi (India), and Recep Tayyip Erdoğan (Turkey) always target universities and trample academic freedoms."
Reposted by Emily Gallagher
A great deep dive in the software used by insurance agents to estimate home replacement costs (and suggest Coverage A limits to clients). TLDR: Software estimates are downward biased, in part, because insurers like it that way. Agents can quote lower premiums by writing less coverage.
A broken system is keeping California homes underinsured. Millions are at risk
California's biggest insurance companies are using faulty algorithms and flawed processes to estimate rebuilding costs — leaving millions of homeowners unprotected from disaster.
www.sfchronicle.com
April 8, 2025 at 9:28 PM
A great deep dive in the software used by insurance agents to estimate home replacement costs (and suggest Coverage A limits to clients). TLDR: Software estimates are downward biased, in part, because insurers like it that way. Agents can quote lower premiums by writing less coverage.
A great deep dive in the software used by insurance agents to estimate home replacement costs (and suggest Coverage A limits to clients). TLDR: Software estimates are downward biased, in part, because insurers like it that way. Agents can quote lower premiums by writing less coverage.
A broken system is keeping California homes underinsured. Millions are at risk
California's biggest insurance companies are using faulty algorithms and flawed processes to estimate rebuilding costs — leaving millions of homeowners unprotected from disaster.
www.sfchronicle.com
April 8, 2025 at 9:28 PM
A great deep dive in the software used by insurance agents to estimate home replacement costs (and suggest Coverage A limits to clients). TLDR: Software estimates are downward biased, in part, because insurers like it that way. Agents can quote lower premiums by writing less coverage.
Something that's puzzled me in the underinsurance debacle: Why do agents suggest Coverage A limits? Why not just ask: "How much Coverage A do you want?" Same as they ask about other coverages. By suggesting an amount, agents erroneously lead clients to think they are getting full insurance.
April 8, 2025 at 9:14 PM
Something that's puzzled me in the underinsurance debacle: Why do agents suggest Coverage A limits? Why not just ask: "How much Coverage A do you want?" Same as they ask about other coverages. By suggesting an amount, agents erroneously lead clients to think they are getting full insurance.
To explain declining fertility, many point to a need for family-friendly policies. But evidence suggests these do little. Instead, consider Hacamo (2020) and van Doornik et al., (2025)--both point to housing quality as a primary impediment. To reproduce, people demand space in low crime areas.
April 8, 2025 at 5:49 PM
To explain declining fertility, many point to a need for family-friendly policies. But evidence suggests these do little. Instead, consider Hacamo (2020) and van Doornik et al., (2025)--both point to housing quality as a primary impediment. To reproduce, people demand space in low crime areas.
Reposted by Emily Gallagher
Once again, I must stress that there is a pretty obvious answer to this madness, which is to have a big, fat tariff on US oligarchs and their multinationals!
gabrielzucman.substack.com/p/americas-o...
gabrielzucman.substack.com/p/americas-o...
America’s Oligarchs Are Trump’s Achilles’ Heel
The best thing that countries targeted by Trump's punitive tariffs can do is condition market access for foreign multinationals and billionaires on fair taxation.
gabrielzucman.substack.com
April 2, 2025 at 9:08 PM
Once again, I must stress that there is a pretty obvious answer to this madness, which is to have a big, fat tariff on US oligarchs and their multinationals!
gabrielzucman.substack.com/p/americas-o...
gabrielzucman.substack.com/p/americas-o...
Seeing myself on TV always makes me want to crawl into a hole. But, these folks did a great job of synthesizing a complex issue of underinsurance. www.youtube.com/watch?v=Alkn...
Surprising number of homeowners don't have enough insurance to cover disasters
YouTube video by Spotlight on America
www.youtube.com
March 27, 2025 at 9:26 PM
Seeing myself on TV always makes me want to crawl into a hole. But, these folks did a great job of synthesizing a complex issue of underinsurance. www.youtube.com/watch?v=Alkn...
On my list of totally avoidable worries: how to handle a 5-month-old in daycare when measles is in the surrounding states but she is too young to vaccinate. Argh! www.nytimes.com/2025/03/14/w...
Parents of Babies Who Are Too Young for Measles Vaccine Worry About Outbreaks
Infants are at higher risk of complications from the measles but can’t be vaccinated right away.
www.nytimes.com
March 14, 2025 at 3:33 PM
On my list of totally avoidable worries: how to handle a 5-month-old in daycare when measles is in the surrounding states but she is too young to vaccinate. Argh! www.nytimes.com/2025/03/14/w...
Reposted by Emily Gallagher
Democratic Senator Chris Murphy on Mahmoud Khalil.
March 11, 2025 at 10:56 PM
Democratic Senator Chris Murphy on Mahmoud Khalil.
Reposted by Emily Gallagher
Did you know Economists for Ukraine t-shirts are still available? Buy one and show your support!
Economists for Ukraine T-Shirt | Bonfire
Profits from this fundraiser will be used to meet under-served needs in Ukraine.. Over 5 million Ukrainians have left the country since the war, and over 7 million have...
buff.ly
March 11, 2025 at 2:23 PM
Did you know Economists for Ukraine t-shirts are still available? Buy one and show your support!
Reposted by Emily Gallagher
Post-doc opportunity. Come work with us at CU Boulder. In addition to US people, this postdoc is open to international PhDs from schools outside of the US! jobs.colorado.edu/jobs/JobDeta...
Post Doctoral Research Associate: Business and Sustainability
jobs.colorado.edu
March 7, 2025 at 10:05 PM
Post-doc opportunity. Come work with us at CU Boulder. In addition to US people, this postdoc is open to international PhDs from schools outside of the US! jobs.colorado.edu/jobs/JobDeta...
Reposted by Emily Gallagher
“Perhaps no other federal entity facilitates greater economic and commercial activity than NOAA and its data sources”
As NOAA cuts loom, scientists and industry are pushing back
The potential closures come as the General Services Administration looks for opportunities to sell government buildings it says may not be needed.
www.washingtonpost.com
March 7, 2025 at 7:03 PM
“Perhaps no other federal entity facilitates greater economic and commercial activity than NOAA and its data sources”
Post-doc opportunity. Come work with us at CU Boulder. In addition to US people, this postdoc is open to international PhDs from schools outside of the US! jobs.colorado.edu/jobs/JobDeta...
Post Doctoral Research Associate: Business and Sustainability
jobs.colorado.edu
March 7, 2025 at 10:05 PM
Post-doc opportunity. Come work with us at CU Boulder. In addition to US people, this postdoc is open to international PhDs from schools outside of the US! jobs.colorado.edu/jobs/JobDeta...
Reposted by Emily Gallagher
Just published at AER: Insights: getting negative information about your health when there are no treatment options available lowers long-run survival, with increased risky behaviors being one likely mechanism.
www.aeaweb.org/articles?id=...
www.aeaweb.org/articles?id=...
February 27, 2025 at 9:07 PM
Just published at AER: Insights: getting negative information about your health when there are no treatment options available lowers long-run survival, with increased risky behaviors being one likely mechanism.
www.aeaweb.org/articles?id=...
www.aeaweb.org/articles?id=...
Reposted by Emily Gallagher
If you’re looking for something concrete you can do, give money to Susan Crawford in Wisconsin who is about to get hit with a ton of Musk Bucks.
www.nytimes.com/2025/02/20/u...
www.nytimes.com/2025/02/20/u...
Musk and His Millions Enter Wisconsin Supreme Court Race
Elon Musk’s super PAC has spent $1 million on canvassing operations supporting the conservative candidate in the race, his first election spending after the 2024 campaign.
www.nytimes.com
February 21, 2025 at 11:48 AM
If you’re looking for something concrete you can do, give money to Susan Crawford in Wisconsin who is about to get hit with a ton of Musk Bucks.
www.nytimes.com/2025/02/20/u...
www.nytimes.com/2025/02/20/u...
Reposted by Emily Gallagher
"Buried within the general phenomenon of democratic decline is a set of cases in which charismatic new leaders are elected by democratic publics and then use their electoral mandates to dismantle by law the constitutional systems they inherited."
chicagounbound.uchicago.edu/cgi/viewcont...
chicagounbound.uchicago.edu/cgi/viewcont...
chicagounbound.uchicago.edu
February 22, 2025 at 2:19 AM
"Buried within the general phenomenon of democratic decline is a set of cases in which charismatic new leaders are elected by democratic publics and then use their electoral mandates to dismantle by law the constitutional systems they inherited."
chicagounbound.uchicago.edu/cgi/viewcont...
chicagounbound.uchicago.edu/cgi/viewcont...
Reposted by Emily Gallagher
Three things that make the U.S. the envy of the world:
1) Professionalized military with strong norm of civilian control
2) Higher education and cutting-edge scientific research
3) Ability to welcome immigrants and attract the “best and the brightest”
All three are under threat.
1) Professionalized military with strong norm of civilian control
2) Higher education and cutting-edge scientific research
3) Ability to welcome immigrants and attract the “best and the brightest”
All three are under threat.
February 22, 2025 at 2:36 AM
Three things that make the U.S. the envy of the world:
1) Professionalized military with strong norm of civilian control
2) Higher education and cutting-edge scientific research
3) Ability to welcome immigrants and attract the “best and the brightest”
All three are under threat.
1) Professionalized military with strong norm of civilian control
2) Higher education and cutting-edge scientific research
3) Ability to welcome immigrants and attract the “best and the brightest”
All three are under threat.
I am a finance prof and, still, I make financial errors from time to time. Today's environment of highly complex financial products is ripe for scams and deceptive practices and requires oversight. Consumers need an institution invested in their protection.
February 10, 2025 at 5:49 PM
I am a finance prof and, still, I make financial errors from time to time. Today's environment of highly complex financial products is ripe for scams and deceptive practices and requires oversight. Consumers need an institution invested in their protection.
Reposted by Emily Gallagher
Incredibly important and timely work. Denial of a wanted abortion increases the likelihood of death by 2.5pp in the next nine months.
Long run harms to health, educational attainment, labor force participation, and poverty, among others.
Long run harms to health, educational attainment, labor force participation, and poverty, among others.
Recently accepted by #QJE, “The Impact of Being Denied a Wanted Abortion on Women and their Children,” by Londoño-Vélez (@jlondonovelez.bsky.social) and Saravia: doi.org/10.1093/qje/...
The Impact of Being Denied a Wanted Abortion on Women and Their Children*
Abstract. This paper examines the impact of denying a wanted abortion on women and children in Colombia using high-quality administrative microdata and cre
doi.org
January 31, 2025 at 3:01 AM
Incredibly important and timely work. Denial of a wanted abortion increases the likelihood of death by 2.5pp in the next nine months.
Long run harms to health, educational attainment, labor force participation, and poverty, among others.
Long run harms to health, educational attainment, labor force participation, and poverty, among others.
Reposted by Emily Gallagher
When you read "anti-immigrant" I want you to hear "Going after anyone who isn't white" because THAT is what they mean, and that is who they are after.
At least 15 Indigenous people in Arizona and New Mexico have reported being stopped at their homes and workplaces, questioned or detained by federal law enforcement and asked to produce proof of citizenship during immigration raids since Wednesday, according to Navajo Nation officials.
Navajo Nation leaders raise alarm over reports of Indigenous people being questioned and detained during immigration sweeps | CNN
At least 15 Indigenous people in Arizona and New Mexico have reported being stopped at their homes and workplaces, questioned or detained by federal law enforcement and asked to produce proof of citiz...
www.cnn.com
January 27, 2025 at 6:40 PM
When you read "anti-immigrant" I want you to hear "Going after anyone who isn't white" because THAT is what they mean, and that is who they are after.
Something that actually prevents uninsured property destruction: Setting aside lands (pre-development) where govt infrastructure investments, disaster assistance, etc... are preemptively banned -- transferring risk from taxpayers to future owners. We did it in 1982!
www.nature.com/articles/s41...
www.nature.com/articles/s41...
Removing development incentives in risky areas promotes climate adaptation - Nature Climate Change
Adaptation requires limiting exposure to climate threats, and policies should focus on curbing development in risky areas. By examining the Coastal Barrier Resources Act, researchers demonstrate that ...
www.nature.com
January 24, 2025 at 11:29 PM
Something that actually prevents uninsured property destruction: Setting aside lands (pre-development) where govt infrastructure investments, disaster assistance, etc... are preemptively banned -- transferring risk from taxpayers to future owners. We did it in 1982!
www.nature.com/articles/s41...
www.nature.com/articles/s41...
Nice thought piece. "Our policies were designed for a world where the gap between high- and low-risk areas was smaller and less persistent. "
www.nytimes.com/2025/01/16/o...
My coauthor Ishita and I wrote a piece that ran today in the NYT about how we need to have risk-based pricing in insurance & mortgages.
My coauthor Ishita and I wrote a piece that ran today in the NYT about how we need to have risk-based pricing in insurance & mortgages.
Opinion | Our Insurance System Subsidizes Moves to Disaster Zones
Our policies encourage Americans to flock to areas particularly prone to climate-related disasters.
www.nytimes.com
January 16, 2025 at 10:28 PM
Nice thought piece. "Our policies were designed for a world where the gap between high- and low-risk areas was smaller and less persistent. "