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A residual stress measure, based on the level of disposable income after housing costs have been met, which is then compared to a poverty line or budget standard. The measure is adaptable to different household types Using survey data for 2000‐10, the residual measure and ‘after housing’ budget standards, we develop an Ordered Probit model to identify the specific factors that predict financial stress, housing stress. Contribute to more effective housing policy and may inform decisions on housing policies that specifically target the type of households that are most vulnerable to housing stress. Types of Australian Households are in Housing Affordability Stress.

The paper concerns with the peculiarities of consumer choice in information product markets. This is a multidisciplinary study based on both information system research and microeconomic theory. An extension is introduced to the conventional general theory of consumer choice for explicitly taking into account the impact of information product quality on consumer behaviour. Multiple quality characteristics, considered against the price of product, are an essential reason for consumer choice of high tech product in general and information product in particular. We assume that consumers are able to aggregate their preferences of multiple product characteristics into a product preference order. On the supply side, the product quality characteristics incur costs. In the case of infonnation product, those costs are the costs of the first copy, and marginal costs are near zero. All of the above constitute the distinctive characteristics of the competitive mechanism in the digital economy and in information product markets. A model, based on the game theory is used to consider two special cases. The first one deals with monopolistic competition for a share of the market with a limited number of customers. Conditions are derived for IT firm survival. The second one considers conditions at which a monopoly is able to successfully introduce a new version if its information product.