Koichiro Iwamoto Collage of Contemporary Management, Aichi Gakusen University   1 Shiotori, Ohike-cho Toyota, 471-8532 Japan   iwamoto@gakusen.ac.jp             JEL Areas: D1 : Household Behavior: General E2 : Macroeconomics: Consumption, Saving, Production, Employment, and Investment: General (includes Measurement and Data)