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actual stock addition and repair adfc age group amount cash purchase change in desired change in expected credit purchase current income change decision decrease Demand for Durable depreciation desired and actual desired stock different types dummy variable durable purchase durable stock Econometrica effect of income effect of marriage estimates expected income F test formulation full sample gap between desired head of spending home ownership house purchase household durables income increase income level interpretation Jacob Mincer lagged effect lagged income change larger liquid assets marriage married number of children otherwise outlay equation outlay function personal debt positive effect PROBABILITY EQUATIONS probability function probability of purchase purchase of durables purchase probability Qt_1 regression analysis Regression Coefficients regression equations Regressors reinterview data reinterview subsample residence response to income spending unit st_1 st_2 status variables stock of durables theoretical types of income unemployment unit has lived