Ulrike Malmendier @umalmend Twitter profile

Last Seen Profiles

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@kamalravikant

Ulrike Malmendier

@umalmend

2 years

Freue mich auf die Zusammenarbeit @SVR_Wirtschaft . Gerade jetzt. Ich hoffe, zu einer erfolgreichen Politikberatung beizutragen. Excited to join @SVR_Wirtschaft & contribute to economic policy-making in Germany. I hope my expertise and international perspective will be helpful.

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Ulrike Malmendier

@umalmend

9 months

Incredibly bad news for Economics in Germany. It was such a coup to attract a young superstar to run one of our leading research institutes away from MIT. I can’t believe we are losing him and all the potential he brought to IZA.

Julian Olk

@olk_julian

9 months

Beben in Bonn: @simon_jaeger verlässt @iza_bonn . Das @briq_institute wird mit dem IZA zwangsfusioniert, denn die Finanzierung wird drastisch gekürzt. Neuer Chef des fusionierten Instituts wird Armin Falk. Weitere Hintergründe @handelsblatt

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Ulrike Malmendier

@umalmend

9 months

Incredibly grateful for the generous endowment, and excited to help support the next generation of behavioral economics research: making economics truly about humans and integrating insights from medicine, neuropsychiatry, cognitive science, biology and more. 1/2

Haas School of Business

@BerkeleyHaas

9 months

A major new center devoted to next-generation behavioral #economics research has launched at the university where the field was born. Announcing the O'Donnell Center for Behavioral Economics, led by Prof. @umalmend : @UCBerkeley

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Ulrike Malmendier

@umalmend

4 years

Celebrating Janet Yellen at Berkeley!! So much excitement, happiness, and the truth why she still comes to visit us. (Spoiler: It's mostly red, and in season June-September.)

Prof. Janet Yellen, trailblazing former Fed chair, is Biden's Treasury pick | Haas News | Berkeley...

Updated Nov. 30 Berkeley Haas Professor Emeritus Janet Yellen, the first woman to have led the Federal Reserve, is expected to take on another

newsroom.haas.berkeley.edu

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Ulrike Malmendier

@umalmend

2 years

Calling all bright young minds with expertise in behavioral econ, who are currently on the econ/finance job market and/or graduate in 2023: Apply for a postdoc with us at @UCBerkeley and spend 1-2 years with an amazing community of researchers.

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Ulrike Malmendier

@umalmend

7 months

Very exciting news for the Paris School of Economics & economics in Europe. If there is a person who can help to further even out the US-tilt in economics and let all the amazing talent and incredible researchers in Paris and Europe shine, it’s Esther. Congrats, Esther and PSE!

Thomas Piketty

@PikettyWIL

7 months

Excellente nouvelle pour l'Ecole d'économie de Paris! via @lemondefr

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Ulrike Malmendier

@umalmend

6 months

Great news for German policy advising - @simon_jaeger bleibt uns erhalten! Congrats to the BMWK! @bartsche @sven_giegold @BMWK_Econ @BMWK

Prof. Simon Jäger berät das Bundesministerium für Wirtschaft und Klimaschutz

www.bmwk.de

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Ulrike Malmendier

@umalmend

1 year

Herzlichen Dank an die @leuphana Universität in Lüneburg für die Verleihung der Ehrendoktorwürde an mich! Great event with amazing Jazz music! 😍

„Wirtschaftsweise“ Prof. Dr. Dr. Ulrike Malmendier ist neue Ehrendoktorin der Leuphana

www.leuphana.de

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Ulrike Malmendier

@umalmend

6 months

For non-Germans who have been wondering what’s up with German fiscal policy and the Federal Constitutional Court, we wrote a policy brief explaining it all & how to fix it. Here is the English press release: . Translation of policy brief coming shortly.

Policy Brief 1/2024

www.sachverstaendigenrat-wirtschaft.de

Sachverständigenrat Wirtschaft

@SVR_Wirtschaft

6 months

Der neue Policy Brief des @SVR_Wirtschaft mit dem Titel ‘Die Schuldenbremse nach dem BVerfG-Urteil: Flexibilität erhöhen – Stabilität wahren’ ist auf der Webseite veröffentlicht. (6/6) @MonikaSchnitzer @GrimmVeronika @umalmend @AchimTruger @MartinWerding

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Ulrike Malmendier

@umalmend

5 months

Thanks for a great conversation. Exciting to see behavioral approaches playing an increasing role in policy, domestically and across the globe!

IMFPodcast

@imf_podcast

5 months

Your financial decisions are heavily swayed by your past experiences... like it or not. Listen to behavioral economist Ulrike Malmendier @umalmend @berkeleyHaas in the latest @imf_podcast

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Ulrike Malmendier

@umalmend

9 months

The *scientific council* was dissolved on 9/30/2023. But I don’t think we (Janet Currie, Jim Heckman, and I) would have been involved in merger / leadership transition. Vorstand + Kuratorium? Would have loved help find a better solution. (Still do.)

Georg Weizsäcker

@gweizsaecker

9 months

Important to ask about governance. True that the Post Foundation cancelled their advisory boards without replacing them?

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Ulrike Malmendier

@umalmend

1 year

It was great to host @Bundesbank President Joachim Nagel at @BerkeleyHaas . We had inspiring exchanges with Germans at @sffed , macroeconomists at @UCBerkeley , the research department @SFFed , and German FinTechs in the Bay Area — about the importance of top notch researchers…

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Ulrike Malmendier

@umalmend

4 years

Hope you can join me for the AEA/AFA Joint Lecture at 2:30pm ET at the ASSA. (Livestreamed at .) Planning to leave my (finance) comfort zone in the last part of the talk and suggest a role for "experience effects" in other fields, including gender and race.

ASSA Annual Meeting Channel 1

Selected sessions from the ASSA Annual Meeting will be live-streamed here.

www.youtube.com

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Ulrike Malmendier

@umalmend

2 years

Interesting Christmas read: The Economist about „The great inflation of the 1500s“. „No matter the cause, societies which let inflation set in should expect more than just their living standards to be debased.“

The great inflation of the 1500s is echoing eerily today

Inflations past have lessons for today

www.economist.com

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Ulrike Malmendier

@umalmend

9 months

I am afraid this has not been updated. The scientific council was dissolved on 9/30/2023.

Johannes Haushofer

@jhaushofer

9 months

@estebanjq3 That was last year. The “scientific council” is now just Janet Currie, @umalmend , and @heckmanequation .

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Ulrike Malmendier

@umalmend

2 years

Stimme Bäte zwar zu (Inflation 🇺🇸 vs. 🇩🇪), aber starker Anstieg 🇩🇪 Kerninflation schon vor dem Krieg. Lieferketten & Geldpolitik daher schon wichtig. Absolut richtig, die anderen mittelfristigen Entwicklungen nicht zu vergessen, während wir alle gerade zu Energieexperten werden😉

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Ulrike Malmendier

@umalmend

2 years

Auswertung von ⁦EY mit bedenklichem Resultat: „🇩🇪 nicht mehr in Top 100 der wertvollsten Börsenunternehmen.“ Wir könnten mit einer gut konzipierten Kapitalmarktunion so viel besser dastehen – in Deutschland wie in Europa. @c_lindner ⁦ @vonderleyen ⁩

Deutschland verliert an der Börse dramatisch an Einfluss

Von den wertvollsten 100 Börsenunternehmen kommt keines mehr aus Deutschland. Auch Europa verliert deutlich an Einfluss. Fachleute warnen: Das verheißt nichts Gutes für die Zukunft.

www.faz.net

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Ulrike Malmendier

@umalmend

9 months

We will fund research that has the potential to truly move the needle. What better place to do this than @BerkeleyHaas and @UCBerkeley ! 2/2

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Ulrike Malmendier

@umalmend

4 years

For all my German friends who also need a smile today - enjoy! I only wish this level of (largely data-driven) differentiation in quarantine rules would be comedy material here in the US. Sigh.

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Ulrike Malmendier

@umalmend

2 years

Freue mich, dass unser JG so viele Köpfe in Politik & Öffentlichkeit zum Nachdenken & Reagieren veranlasst. In der Wissenschaft führt genau dieser Prozess zum besten Ergebnis. Auch in Politikberatung? 🫰 Nicht Vergessen: eigentl. Anliegen war, dass ...1/3

Angebotsorientierte Finanzpolitik als Gebot der Stunde

Die deutsche Wirtschaft muss unter erschwerten Umständen digital und klimafreundlich werden. Da helfen manche Vorschläge des Sachverständigenrats nicht.

zeitung.faz.net

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Ulrike Malmendier

@umalmend

9 months

Wir haben auch schon hervorragende Doktoranden aus dem In- und Ausland gehabt - auf der Suche nach einem Thema für eines der Papers in der Diss (and helping to save the German economy while doing so). Come and join us!

Sachverständigenrat Wirtschaft

@SVR_Wirtschaft

9 months

Interesse an einem Praktikum beim @SVR_Wirtschaft im Frühjahr/Sommer 2024? Bei uns sind spannende Einblicke sind garantiert! Studierende im fortgeschrittenen Bachelor- oder im Masterstudium können sich bis zum 30. November 2023 bewerben. Weitere Infos 👉

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Ulrike Malmendier

@umalmend

7 months

More good news on an amazing economist being appointed to an important leadership role. Congratulations @HyunSongShin !!

BIS makes changes to its executive leadership team

Luis Bengoechea appointed as Head of the Banking Department, effective June 2024. Hyun Song Shin to assume role of Head of the Monetary and Economic Department, effective January 2025, upon the...

www.bis.org

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Ulrike Malmendier

@umalmend

4 months

Habemus cancellarium! Our wonderful colleague and former Haas Dean Rich Lyons will be leading UC Berkeley. Great news for our great university. Thank you, Rich.

UC Berkeley

@UCBerkeley

4 months

Please join us in congratulating @richlyons , the first UC Berkeley undergraduate alum since 1930 chosen to lead our university. #FiatLux #GoBears

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Ulrike Malmendier

@umalmend

11 months

Great experience working with our French colleagues. I learned a lot. Also hope that the intersection of our views, which are not always identical, helps clarify what is really needed right now - expand supply of renewable energy ever faster, rather than argue about subsidies.

Sachverständigenrat Wirtschaft

@SVR_Wirtschaft

11 months

Gemeinsame Stellungnahme @SVR_Wirtschaft mit 🇫🇷 @CAEinfo untersucht Folgen des IRA auf die 🇪🇺: Die EU sollte nicht mit breit angelegten Subventionen reagieren, sondern ihre industriepolitische Strategie überarbeiten und Energiekosten deutlich senken (1/2)

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Ulrike Malmendier

@umalmend

1 year

#Industriestrompreis Ich würde mir wünschen, dass sich die Politik bei diesen Konzepten künftig mehr bemüht, unabhängige Ökonomen zurate zu ziehen. „To be in the room“ – das kann bei der Einbindung von Experten in Deutschland noch besser werden.

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Ulrike Malmendier

@umalmend

6 months

Hat viel Spaß gemacht - tolle Fragen von den Teilnehmern, und über den Dank des jüngeren Publikums für meine „Ode an den Kapitalmarkt“ habe ich mich besonders gefreut 😉

ECONtribute

@ECON_tribute

6 months

Vielen Dank an Ulrike Malmendier @umalmend @SVR_Wirtschaft für den spannenden Vortrag zum Thema "Ist das Geschäftsmodell Deutschland in Gefahr?" im Rahmen des diesjährigen #SeltenSalon ! @UniCologne @UniBonn @dfg_public

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Ulrike Malmendier

@umalmend

2 years

German Council of Economic Experts: Annual Report 2022/23 „Managing the energy crisis in solidarity, shaping the new reality“ (English)

Annual Report 2022/23: Managing the energy crisis in solidarity, shaping the new reality

www.sachverstaendigenrat-wirtschaft.de

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Ulrike Malmendier

@umalmend

2 years

Please join the G7 Expert Conference “Recovery of 🇺🇦” on Oct-25, livestreamed @ . Political remarks by @Bundeskanzler Scholz, @vonderLeyen & @ZelenskyyUa . I am excited to kick off Panel 1: Lessons from past experiences. #RecoveryofUkraine #G7 (1/2)

Die Bundesregierung informiert | Startseite

Aktuelle Informationen, Hintergründe, Livestreams und Service-Angebote: Erfahren Sie hier mehr über die politische Arbeit und Ziele der Bundesregierung.

www.bundesregierung.de

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Ulrike Malmendier

@umalmend

2 years

Entlastungen nicht zielgenau sind. Wir sorgen uns um Inflation und Schuldenquote, und wollen, dass 🇩🇪 auch für die nächste Krise gewappnet ist. Die eigentliche Tragödie ist, dass wir in der Digitalisierung und Verknüpfung von Daten so hinterherhinken, dass ... 2/3

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Ulrike Malmendier

@umalmend

2 years

zeitnahe & zielgenaue Entlastungen schwer möglich sind. Dieses große Handicap muss Deutschland schnell angehen. @SVR_Wirtschaft @Lars_Feld @WielandVolker @GrimmVeronika @MonikaSchnitzer @AchimTruger @MartinWerding

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Ulrike Malmendier

@umalmend

1 year

…(with a heart for policy) in central banks, the need of a VC culture in Germany, the Capital Markets Union and much more. Thanks to everybody for joining us!

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Ulrike Malmendier

@umalmend

8 months

Thanks for a great and inspiring day at IMF with MD Georgieva and the fantastic members of various teams and desks. I am excited to continue discussing & working together on several topics of shared interest, incl. the Capital Market Union, which the EU needs more than ever.

Kristalina Georgieva

@KGeorgieva

8 months

I welcomed @umalmend of the German Council of Economic Experts to the IMF and congratulated her on the @GCEE_en 's well-crafted annual report on the 🇩🇪 economy - essential reading for anyone wanting to better understand key issues facing the 🇩🇪 economy and ways to address them.

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Ulrike Malmendier

@umalmend

8 months

@R_Thaler @Econ_4_Everyone @CFCamerer @ToreEllingsen1 @sdellavi Wow — if even the *announcement* of our new O’Donnell center gets luminaries like Colin, Richard, Tore and John talking about the reach & breadth & scope of Behavioral Econ, what will the center be able to do? 🥳 (Great anecdotes also.)

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Ulrike Malmendier

@umalmend

2 years

Just back from a great discussion @UniBonn @iza_bonn about the Annual Report @SVR_Wirtschaft & how 🇩🇪 has to develop leading tech & #AI to stay competitive (cf. energy prices). And my inbox is full of messages like this. Whose industry is disrupted now? 😉

Alarmed by A.I. Chatbots, Universities Start Revamping How They Teach (Published 2023)

With the rise of the popular new chatbot ChatGPT, colleges are restructuring some courses and taking preventive measures.

www.nytimes.com

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Ulrike Malmendier

@umalmend

9 months

Sehr spannend, von eher optimistischen Wirtschaftsakteuren zu hören, wie es weitergehen soll. Konstruktive Vorschläge mit positiver Grundstimmung brauchen wir genauso wie das „Mahnen”, das die mittel/langfristigen Aussichten (schwach) neue Wege erfordern. #Kapitalmarkt #GermanVC

Judith Wittwer

@JudithWittwer

9 months

Zum Start des @SZ -Wirtschaftsgipfels in Berlin: @lisakatharina diskutiert mit Stefan Hartung (Bosch), @umalmend (Wirtschaftsweise) und weiteren Experten über Wege aus der Wirtschaftskrise.

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Ulrike Malmendier

@umalmend

1 year

Join us tomorrow, 2/14 at 12:30-1:30pm PT (21:30-22:30h CET) in person or via when Dean Harrison will interview Catherine Wolfram about her experience as an energy economist at @USTreasury and grill me about what's up with Germany.

In the halls of power: Berkeley Haas economists on advising world...

Professor Ulrike Malmendier, Professor Catherine Wolfram, and Dean Ann Harrison are economists at the top of their fields who have taken their expertise outs...

www.youtube.com

Haas School of Business

@BerkeleyHaas

2 years

Join us 2/14 to hear from 3 top women economists on advising world leaders. The conversation will touch on the state of the U.S. and global economies & their work for sustainable economic and energy policies. Register: @umalmend @berkeleyecon #EconTwitter

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Ulrike Malmendier

@umalmend

3 years

@PJakiela In case you are looking for a middle ground: February 2nd in Germany - a Marian holiday, Mariae Lichtmess (“candlemass”/“purification” of Mary 40 days after giving birth following Jewish tradition). Rest as in the Polish comments - bonfire ideal :-)

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Ulrike Malmendier

@umalmend

2 years

#Inflation im Nov < Okt, aber noch 2stellig. Geldpolitik muss daran arbeiten, langfristiges „scarring“ zu vermeiden, Fiskal-/Sozialpolitik die Verteilungseffekte der Inflation angehen, ohne Inflationsbekämpfung zu erschweren. Froh, dass @bundesbank -Präs. Nagel das auch so sieht!

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Ulrike Malmendier

@umalmend

2 years

„Die Coronawelle hat #China nun voll erfasst. In Sachen Inflation und Lieferketten müssen wir jetzt auf der Hut sein. Und in Sachen Abhängigkeit — 🇩🇪 Firmen brauchen Alternativen zu (Vor-) Produkten aus China.“

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Ulrike Malmendier

@umalmend

9 months

@HansGruener I hope we can leverage more what other sciences tell us about our mind & body to improve our predictive power. Say, how stress, sleep, trauma, food scarcity but also social inclusion, social interaction affect beliefs, choices, outlook on the world. Less robot, more human.

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Ulrike Malmendier

@umalmend

3 years

Yes - please join & let us know what you think!

Waldo Ojeda

@waldo_tk

4 years

It's been a long endeavor but a cool research project w/ @SeanKHiggins , @paul_gertler & @umalmend is coming along! As part of it, we're collecting predictions through @socscipredict on how firms decide to adopt profitable business practices LINK: 1/2

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Ulrike Malmendier

@umalmend

2 years

Congratulations to Nemat (Minouche) Shafik -- and to ⁦ @Columbia ⁩ for attracting an outstanding leader and economist to steer the university through these tumultuous times. via ⁦ @nytimes ⁩

Columbia Names Nemat Shafik as President, the First Woman to Lead the University (Published 2023)

An economist who runs the London School of Economics, Dr. Shafik will take over as higher education faces tumult over cost, free speech and a likely end to affirmative action.

www.nytimes.com

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Ulrike Malmendier

@umalmend

4 years

@m_maggiori Auguri & Congratulations, Matteo!! Well-deserved. And, of course, I like Frank Schilbach’s mention where the seeds were planted. Go @berkeleyecon and @BerkeleyHaas 😄

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Ulrike Malmendier

@umalmend

2 years

@Econ_Sandy @columbia_econ @ColumbiaSIPA CONGRATULATIONS! What a loss for Yale.

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Ulrike Malmendier

@umalmend

2 years

@FlyBehaviour Watch jazz performed live. Seeing the musicians get into it, their bodies, their faces, their movements makes you feel it so differently.

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Ulrike Malmendier

@umalmend

7 months

Ich freue mich auch schon!

Carola Braun

@CarolaBraun_

7 months

Wir freuen uns auf unseren diesjährigen Selten Salon mit einem spannenden öffentlichen Vortrag von @umalmend @SVR_Wirtschaft mit anschließender Diskussion und Empfang am 22. Februar in Bonn! Anmeldung erforderlich. Mehr zum Selten Salon:

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Ulrike Malmendier

@umalmend

2 years

For macro-finance folks: @MarkusEconomist will moderate Panel 2: Recovery & it’s Financing, @YGorodnichenko Panel 4: Macroeconomic & Financial Stability, @Ian_Goldin Panel 5: Industrial Policy & Sustainable Development. ❌Please tune in! (2/2)

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Ulrike Malmendier

@umalmend

10 months

@Isabel_Schnabel @GCee @SVR_Wirtschaft @GrimmVeronika @MonikaSchnitzer @AchimTruger @MartinWerding @ngarnadt Great hearing; great to see you, and lots of food for thought.

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Ulrike Malmendier

@umalmend

2 years

“Offenhalten” sinnvoll; für “We-did-it!”-Party aber zu früh. Erholung auf Energiemärkten & Entlastungen helfen; aber mit 9,2% immer noch >> 2%; wg. time lag zw. EZB-Maßnahmen & Inflationsanpassung noch unklar, welche Effekte #Leitzinserh öhungen hatten. -

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Ulrike Malmendier

@umalmend

2 years

@iza_bonn @SVR_Wirtschaft @UniBonn Great evening — and great exchange of ideas. Thanks for having me!

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Ulrike Malmendier

@umalmend

2 years

@sguriev @sciencespo That’s great news! Congratulations, Sergei.

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Ulrike Malmendier

@umalmend

4 months

Fantastic choice! Congratulations to Stanford! I can’t wait to see the good Jon will do in his new role.

Stanford University

@Stanford

4 months

Jonathan Levin, a distinguished economist and Stanford alumnus who has led the Stanford Graduate School of Business as dean for the last eight years, has been appointed the next president of Stanford University, the Board of Trustees announced today.

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Ulrike Malmendier

@umalmend

2 years

@AchimTruger Indes weitgehend konjunktivistisch.

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Ulrike Malmendier

@umalmend

2 years

#B äte #Allianz @smatthes #Inflation @SVR_Wirtschaft

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Ulrike Malmendier

@umalmend

3 years

@judy_chevalier @AEACSWEP @anusha_chari Thanks so much for your great work, Judy!

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Ulrike Malmendier

@umalmend

3 years

@Andrew___Baker Remember the same happening during my fly-out @uofchicago . And I had exactly your thoughts.

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Ulrike Malmendier

@umalmend

9 months

Join us tomorrow for Falling Walls Breakthrough Day at From earthquakes to democratized AI, from decarbonization to What inflation does to your brain (by yours truly). And lots of science entrepreneurs! I hope the VC funders are ready #GermanVC #GermanCEE

Falling Walls

@Falling_Walls

9 months

All #ScienceBreakthrough of the Year 2023 awardees will present their groundbreaking work on 9 November, the Breakthrough Day at the #FallingWalls #ScienceSummit23 in Berlin. 🔗

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Ulrike Malmendier

@umalmend

6 months

@PeterBofinger Ich meinte das Arbeitsvolumen, das die geleisteten Arbeitsstunden aller Erwerbstätigen umfasst.

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Ulrike Malmendier

@umalmend

2 years

@BrianDeeseNEC Great to see the Biden administration and economists at NEC and beyond translate the insights of behavioral economics into policy. Our very first behavioral paper “Contact Design & Self-Control” w/ @sdellavi singled out those high late fees. So glad it’s being resolved.

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Ulrike Malmendier

@umalmend

9 months

@ImranRasul3 @EEANews Wonderful news! Congrats, Imran — and lucky EEA!

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Ulrike Malmendier

@umalmend

1 year

@AMLabEcon @jenniferdoleac So happy you decided to come back!!

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Ulrike Malmendier

@umalmend

2 years

@seema_econ Fantastic news, Seema! Congratulations!!

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Ulrike Malmendier

@umalmend

4 years

@PJakiela This is fantastic, Pam! Thank you!!!

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Ulrike Malmendier

@umalmend

4 years

@TDeryugina Iota because too small/easy to miss; omikron bcs looks like a little O or 0 (zero); alpha if there are also a’s floating around (too similar; lost against co-authors on that one). Unpopular opinion: love xi and zeta because nicely distinctive :-)

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Ulrike Malmendier

@umalmend

6 months

@EDerenoncourt @PrincetonEcon Congratulations, Ellora! So well-deserved.

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Ulrike Malmendier

@umalmend

6 months

@helene_rey @ben_moll Congratulations @sguriev and congrats to LBS!!

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Ulrike Malmendier

@umalmend

2 years

@mazzimon77 @RichFedResearch Great news for the Richmond Fed!

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Ulrike Malmendier

@umalmend

2 years

@bundesbank -Präsident Joachim Nagel: „Update Inflation – gekommen, um zu bleiben?“ Rede beim @Wirtschaftsrat der CDU

Nagel: Update Inflation – here to stay?

Ladies and gentlemen, I would like to thank you for the invitation to be your guest. “ Update inflation – here to stay? ' That's today's topic. The currently very sharp rise in prices is weakening...

www.forexfactory.com

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Ulrike Malmendier

@umalmend

4 years

@toniwhited Goose bumps while watching... But, boy, do not want to feel her legs and lung during the last 80m or so.

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Ulrike Malmendier

@umalmend

4 years

@dynarski Congratulations, Sue!!

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1

Ulrike Malmendier

@umalmend

3 years

@AnneKaring @UChi_Economics @PrincetonEcon @UChicago Glückwunsch, Anne, und einen guten Start!!

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1

Ulrike Malmendier

@umalmend

4 years

@toniwhited That’s great news, Toni! Congratulations!

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1

Ulrike Malmendier

@umalmend

3 years

@IvanWerning So sorry to hear about your mother, and so glad she is better. Yes, let’s not lose the sense of urgency or let down the guard bow, as hard as it is.

1

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1

Ulrike Malmendier

@umalmend

4 years

@aedmans Thanks, Alex. What will be the effect of this pandemic be?

0

1

Ulrike Malmendier

@umalmend

4 years