Changes in financial status influencing level of satisfaction in households

This study explores the impact of changes in family financial status over a four year period on level of satisfaction with various aspects of household finances. Data were collected through personal interviews with 123 families in 1982 and 1986. Information was obtained on household income, assets, liabilities, and on the satisfaction of the money managers with seven aspects of household finances. Two-tail pairedt-tests were used to compare differences in financial and satisfaction variables between the two time periods. Regression analyses were applied to ascertain factors affecting the satisfaction of the money managers. The financial status of households improved during the 4 year period as reflected by net worth. The mean net worth, with and without real estate, increased significantly during this time period. In spite of this improvement, money managers are less satisfied with various aspects of their household finances.This research was supported by the Iowa Agriculture and Home Economics Experiment Station Project No. 2773 (Journal Paper No. J-13098).Tahira K. Hira is a Professor and Alyce M. Fanslow is a Distinguished Professor in the College of Family and Consumer Sciences; Patricia Titus is an Instructor in the College of Education; all are at Iowa State University, Ames, IA 50011-1120. Dr. Hira's research interests include consumer bankruptcies and various aspects of household economic well-being Dr. Fanslow's and Dr. Titus' research interests include competencies of household money managers.     

The factors affecting a family's plan to change its financial situation

This study investigates the factors involved in changing a family's financial situation for 485 Midwestern households. High income families and those with high home equity levels have a smaller gap between their standards and levels of consumption. High income families are more satisfied with their financial situations than low income families. Those families with a large gap between their standards and levels of consumption are more dissatisfied with their financial situations. Older heads of households have higher satisfaction with their financial situations and are less likely to plan to change them. Large families are less satisfied with their financial situations than small families and are more likely to plan to change them.Sharon M. Danes is Assistant Professor and Family Resource Management Extension Specialist, Family Social Science Department, University of Minnesota, 275F McNeal Hall, 1985 Buford Avenue, St. Paul, MN 55108. Dr. Danes received her Ph.D. from Iowa State University and her current research interests include family management and family financial management.Earl W. Morris is Associate Professor, Department of Design, Housing, and Apparel, University of Minnesota, 368B McNeal Hall, 1985 Buford Avenue, St. Paul, MN 55108. Dr. Morris received his Ph.D. from Cornell University. His current research interests include rural housing.     

Parents of adults with developmental disabilities: Age and reasons for reluctance to use another caregiver

Parents of individuals with developmental disabilities differ in their expressed reluctance to use another caregiver depending on their age. Older parents, more than younger parents, reported a reluctance to use another caregiver because of financial reasons and the unavailability of qualified caregivers. The results suggest that elderly parents may be willing to leave their developmentally disabled child with someone else but they require financial assistance and education regarding program quality and availability.Jean L. Engelhardt is a Research Associate of the Family and Child Studies Center, Department of Home Economics and Consumer Sciences, at Miami University in Oxford, Ohio. Her current research is in the area of older parents of developmentally disabled children. Dr. Engelhardt received her Ph.D. in Psychology from Notre Dame.Dr. Lutzer is Assistant Professor of Educational Psychology and an Associate of the Family and Child Studies Center at Miami University in Oxford, Ohio. She is currently involved in research on the older parents of developmentally disabled children.Timothy H. Brubaker is Professor and Director of the Family and Child Studies Center, Department of Home Economics and Consumer Sciences, at Miami University in Oxford, Ohio. Dr. Brubaker holds a Ph.D. from Iowa State University and is currently conducting research on the older parents of developmentally disabled children.We express our gratitude to the Family Resource Services Program of the Butler County (Ohio) Board of Mental Retardation and Developmental Disabilities for their help, and to the Jacob G. Schmidlapp Trust of Cincinnati for financial support during the writing of this article.     

Domains explaining the life quality of dairy farm couples

The purpose of the study reported here is to identify domains which explain the life quality of dairy farm husbands and wives. A further purpose is to identify domains which would explain life quality when the domain unique to farming is deleted. One hundred sixteen dairy farm couples were interviewed in 1986, when a financial crisis in agriculture had reached the western states. The analysis is done by stepwise regression. Satisfaction with farm work is an important explanation of husbands' and wives' life quality. When farm work is omitted from the equations, satisfaction with self is among important domains explaining life quality.Research reported in this paper was partially funded by the Utah Agricultural Experiment Station, Utah State University, Logan, UT.Norleen M. Ackerman received her Ph.D. from Michigan State University. She is an Assistant Professor, Department of Home Economics and Consumer Education, Utah State University, Logan, UT 84322-2910. Her research interests include the well being of farm families, consumer information, and consumer purchase behavior.Glen O. Jensen received his Ph.D. from Utah State University. He is a Professor in the Department of Family and Human Development, Utah State University, Logan, UT 84322-2905. His research interests include the rural family, teen pregnancy, and marriage enrichment.DeeVon Bailey received his Ph.D. from Texas A & M. He is an Associate Professor, Department of Economics, Utah State University, Logan, UT 84322-3530. His research interests include economic issues related to farm families, agricultural marketing and farm efficiency.     

Toward working hypotheses of effective management: Conditions,thought processes,and behaviors

The purpose of this article is to develop a set of working hypotheses about the conditions, thought processes, and behaviors that define managerial effectiveness. The Deacon and Firebaugh model of managerial behavior is extended to form the basis for the hypotheses developed. The overall hypothesis is that differences in managerial effectiveness are specifically linked to the timing, completion, frequency, and duration of particular thoughts and actions performed by the manager that are focused on the allocation of resources to meet value-based goals and events. If it is assumed that meeting demands is an appropriate measure of managerial effectiveness, then validation of the hypotheses, the next logical step, can occur by correlating the conditions, processes, and behaviors thought to represent managerial effectiveness with objective and subjective measures of demand responses.An earlier version of this paper was discussed at the annual meeting of North Central Region Project 116, Family Resource Management, April 20–21, 1982, Columbus, OH.Deanna L. Sharpe is Assistant Professor, Department of Consumer Sciences, University of Alabama, Tuscaloosa, AL 35487. Her research interests are focused on the effective allocation and use of time and money through the family life cycle. She received her Ph.D. from Iowa State University in 1988.Mary Winter is Professor, Department of Human Development and Family Studies, Iowa State University, Ames, IA 50011. Her research interests include family resource management in the U. S. and Mexico. She received her Ph.D. from The Pennsylvania State University in 1970.     

Relationships between marital quality,social, and familial interactions by residential location: Implications for human service professionals

Gerontological literature is reviewed concerning the factors contributing to marital quality of later life couples. Data are presented which compare the marital quality of older couples residing in a retirement facility and elderly couples living in the community-at-large. The couples' interactions with friends and frequency of visits with children are examined in terms of the relationship between these variables and marital quality of the subjects. Implications for practice are discussed.Ellie Brubaker is Associate Professor of Sociology at Miami University, Oxford, Ohio. Dr. Brubaker holds a Ph.D. in Social Work from the Ohio State University. Her current research is in the area of social service delivery to older families.Linda Ade-Ridder is Assistant Professor in the Department of Home Economics and Consumer Sciences and an associate of the Family and Child Studies Center at Miami University in Oxford, Ohio. Dr. Ade-Ridder received her Ph.D. in Marriage and Family Living at the Florida State University in 1983. Her current research is being conducted on the roles of women, including women in older marriages and eating disorders in women.     

The effects of perceived locus of control and perceived income adequacy on satisfaction with financial status of rural households

The purpose of this study is to examine the relationships among selected socioeconomic variables — perceived locus of control, perceived income adequacy, and satisfaction with financial status. Results of the study indicate that age, household income, household net worth, perceived locus of control, and perceived income adequacy are significantly related to satisfaction with financial status. Household income and household net worth have indirect effects on satisfaction through perceived locus of control and perceived income adequacy. Perceived locus of control also has an indirect effect on satisfaction through perceived income adequacy. These findings suggest that counselors and educators should emphasize the importance of perceptions of income adequacy and control over financial aspect in their courses and programs.Journal Paper No. J-14499 of the Iowa Agriculture and Home Economics Experiment Station, Ames, Iowa. Project No. 2809.His research interests include consumer credit and family resource management. He received his Ph.D. from Iowa State University in 1993.Her research interests include family financial management and consumer bankruptcy. She received her Ph.D. from the University of Missouri.     

The relation of economic factors to perceived stress in mobile families

The purpose of this research is to examine the relationship between objective and subjective measures of economic well-being, amount of and satisfaction with control, and perceived stress level of subjects, who have relocated with their families within the past year. Both males and females indicate more stress if their financial condition is worse following the move than before, if their employment status is not satisfying, and when they have little control over their lives and are not satisfied with their level of control. Stress is negatively related to satisfaction with the specific aspects of economic situation studied for both males and females with limited exception.Peggy S. Berger received her Ph.D. from Pennsylvania State University. She is an Associate Professor in the Department of Consumer Sciences, Colorado State University, Fort Collins, CO 80523. Her research interests include socioeconomic issues related to geographic mobility and to gender, and work and family issues.Judith Powell received her Ph.D. from Oklahoma State University. She is a Professor of Child and Family Studies, and Head of the Department of Home Economics, University of Wyoming, Laramie, WY 82071. Her research interests include parent-child relations and effects of relocation on families.Alicia Skinner Cook received her Ph.D. from Arizona State University. She is a Professor in the Department of Human Development and Family Studies at Colorado State University, Fort Collins, CO 80523. Her research interests include grief and loss issues, family stress, and adjustment to relocation.     

Postponement of health care by widowed,divorced, and never-married older men

This longitudinal research investigated the relationship between marital status and postponement of health care, reasons for postponement of treatment, factors associated with delaying care, and changes in health care behavior over a decade among 375 unmarried older men.Almost 30% of the men had not sought care when their health warranted it. Postponement of care was not associated with marital status although reasons for foregoing care were related to marital status. Discriminant analyses indicated the importance of financial distress to postponing care. The models were more effective in discriminating health care decisions of the formerly married than of the never married.Pat M. Keith is Professor of Sociology at Iowa State University. She earned her Ph.D. in Sociology at St. Louis University. Her current research interests are in the areas of gender roles in later life and rural-urban differences in the elderly.Address reprint requests to the author at Iowa State University, Department of Sociology, Ames, IA 50011.     

Women's perceived stress and well-being following voluntary and involuntary relocation

This study investigated the relationship between voluntary and involuntary relocation and women's perceptions of stress and amount of control, as well as their satisfaction with personal well-being. Results indicated that involuntary movers felt significantly less control and had lower levels of satisfaction with the relationship with their spouses than did voluntary movers. Educational level and employment status were also explored in relation to the dependent variables. Women with high school/trade school education had significantly higher levels of perceived stress, feelings of less control, and lower levels of satisfaction with family life than women with more education.This paper was supported by the Colorado State University and University of Wyoming Experiment Stations and published as Scientific Series Paper No. 290.Paula P. Makowsky received her M.S. from Colorado State University. She is currently a Counselor, Catholic Social Services, Phoenix, AZ.Alicia Skinner Cook is a Professor, Department of Human Development & Family Studies, Colorado State University, Ft. Collins, CO 80523. Her research interests include grief and loss issues related to relocation. She received her Ph.D. from Arizona State University.Peggy S. Berger received her Ph.D. from Pennsylvania State University. She is an Associate Professor, Department of Consumer Science & Housing, Colorado State University, Ft. Collins, CO 80523. Her research interests include socioeconomic issues related to geographic mobility and to gender.Judith Powell received her Ed.D. from Oklahoma State University. She is a Professor, Child & Family Studies, and Head, Department of Home Economics, Division of Home Economics, University of Wyoming, Laramie, WY 82071. Her research interests include parent-child relations and effects of relocation on families.     

Time use satisfaction of wives: Home,farm, and labor force workload

Factors related to time spent in work roles are investigated for a sample of 685 wives living on family farms in seven southern and midwestern states. Data were collected in a comprehensive mail survey. Results show that variables reflecting management are the most important predictors of wife's time use satisfaction. Wife's satisfaction is also significantly related to her education and nonfarm employment. Conclusions indicate that, although wives on family farms experience work-role overload relative to their husbands, they are satisfied with their time contributions to the home/farm situation.Jeanne L. Hafstrom is Associate Professor, Consumer Sciences Division, University of Illinois, 161 Bevier Hall, 905 So. Goodwin, Urbana, IL 61801. She received her Ph.D. from the University of Illinois. Her current research interests include economic well-being and the quality of life.MaryAnn Paynter is Assistant Professor and Family Economics Extension Specialist, Consumer Sciences Division, University of Illinois, 547 Bevier Hall, 905 So. Goodwin, Urbana, IL 61801. She received her Ph.D. from Pennsylvania State University. Her current research interests include family resource management strategies.This study was part of S-191 Regional Research Project Farm Wife's External Employment, Family Economic Productivity and Family Functioning, and Project No. 60-0366 supported by the Agricultural Experiment Station, College of Agriculture, University of Illinois at Urbana-Champaign.     

Using a computer simulation game to teach family time use concepts

A computer simulation game designed to give students insights into family time use concepts has been used in an introductory family resource management class at Ohio State University and other universities. The game allows for planning for time use changes over the family life cycle. The game can give students insights into economic and sociological models of time use. It is possible that future versions of the game could be used in family counseling.His research interests include derivation of optimal decision-making rules for families and family financial management.Her research interests include financial management over the life course including financial ratios, baby boomers, and retirement. She received her Ph.D. in 1993 from The Ohio State University in Family Resource Management.His research interests include the time trade-offs made between couples, financial planning over the life cycle, and the interaction of time and money between families and their home-based businesses. He received his Ph.D. in 1993 from The Ohio State University in Family Resource Management.     

Financial challenges in remarriage

Remarried couples, especially those with children from a previous marriage, face financial complexities unknown to couples in their first marriages. The few empirical investigations which have explored this feature of stepfamily life have revealed that couples often have a difficult time with the financial functioning aspect of their remarriage. While further research is needed to examine the dynamics of the financial aspects of remarriage, educators and counselors need to begin to help remarried couples to develop management strategies for coping with their unique situations. Recommendations for a workshop are made and resources are listed.Supported in part by Utah State University Vice President for Research. Scientific contribution Number 1480 from the New Hampshire Agricultural Experiment Station.Jean M. Lown received her Ph.D. from Virginia Polytechnic Institute and State University in Family Economics and Consumer Studies. Currently Dr. Lown is assistant professor, Department of Home Economics and Consumer Education, UMC-2910, Utah State University, Logan, UT 84322.Elizabeth M. Dolan is associate professor, Department of Family and Consumer Studies, Pettee Hall, University of New Hampshire, Durham, NH 03824. Drs. Lown and Dolan are collaborating on a research investigation into the dynamics of financial management in remarried families.     

Stress and coping of adults and young adults in economically uncertain rural areas

This paper discusses the degree and type of stress experienced by adults and young adults, coping strategies used, and their family, financial, and community satisfaction in economically distressed rural counties. Data were analyzed from questionnaires completed by 447 adults and 118 young adults. Results indicate greater perceived stress, use of some less effective coping strategies, and less satisfaction among young adults. Both groups indicate similar numbers of stressful events and a generally positive perception of community social services.Dorothy Z. Price received her Ph.D. from Michigan State University. She is a Professor, Department of Child & Family Studies, Washington State University, Pullman, WA 99164-2010. Research interests include decision-making and consumer behavior.Lonnie J. Dunlap, M.A. is a Graduate Research Assistant, Interdisciplinary Ph.D. Program, Department of Child & Family Studies, Washington State University, Pullman, WA 99164-2010. Research interests include work and family interactions and career development.     

Adaptation to unemployment: Effects of a mine closure on husbands and wives

The purpose of this study was to increase understanding of how individuals/couples respond to the unemployment of the primary breadwinner. Data were collected from 66 individuals (33 couples) shortly after becoming unemployed and again one year later. Results determined that the significant predictor variables of economic satisfaction, marital adjustment, and depression were primarily economic, marital, and emotional variables, respectively. Findings also showed that interaction existed among economic, marital, and emotional variables in predicting the three well-being outcomes. Additionally, differences were found in the pattern of results for husbands and for wives. Based on these findings, areas and hypotheses for future study are proposed.Carl A. Ridley received his Ph.D. from Florida State University. He is a Professor in the Division of Child Development and Family Relations, University of Arizona, Tucson, AZ 85721. His research interests include relationships and conflict management.Mari S. Wilhelm received her Ph.D. from Michigan State University. She is an Assistant Professor in the School of Family and Consumer Resources, University of Arizona, Tucson, AZ 85721. Her research interests include financial management, socio-economic stress, financial stress and problems.     

Perceived stress among nonmetropolitan Utah residents

This article examines relationships between perceived stress and variables such as life events, differential economic satisfaction, health problems, and sociodemographic characteristics among respondents in three nonmetropolitan areas in Utah. The three most predictive factors related to perceived stress are economic satisfaction, life events experienced, and religion. The analysis shows an inverse partial relationship between perceived stress scores and economic satisfaction, and a positive partial relationship between the number of life events and perceived stress. Non-Mormons report higher levels of stress than Mormons. A positive but weak relationship is observed between stress and household size. Weak inverse relationships are observed between stress and a measure of household unemployment, income, and respondent's sex.Richard S. Krannich received his Ph.D. from Pennsylvania State University. He is an Associate Professor of Sociology, and Director of the Institute for Social Science Research on Natural Resources, Utah State University, Logan, UT84322-0730. His research interests include rural development processes, community change, and social responses to natural resource developments.Pamela J. Riley received her Ph.D. from Washington State University. She is currently an Associate Professor, Department of Sociology, Utah State University, Logan, UT 84322-0730. Research interests include rural family stress, the impacts of tourism on developing countries, and social aspects of on-farm water management.Ann Leffler is an Associate Professor of Sociology and Director of the Liberal Arts and Sciences Program, Utah State University, Logan, UT 84322-0730. Research interests include nonmetropolitan family stress. She received her Ph.D. from the University of California at Berkeley.     

The effects of child support guidelines: An analysis of the evidence in court records

Court records from four Ohio counties were used to compare child support orders before and after promulgation of federally mandated guidelines in 1987. There was no significant change in probability of Court Ordered Child Support. Amount Ordered in constant dollars increased between 1985 and 1987–88. Variables influencing Court Ordered Child Support differed post-guidelines. Years Married, Attorney for Both and Attorney for Wife were significant in both years. Number of Children, Rural, and Wife's Motions were significant in 1987–88. Variables affecting amount ordered also differed after adoption of the guidelines. Wife Contested, Husband's Motions, Defendant and Plaintiff no longer were significant in 1987–88. Years Married and Payment by Father were significantly related to Amount Ordered in 1985 but not in 1987–88. Number of Children, Expenses Paid, and Number of Assets were significantly related to Amount Ordered in both years.Salaries and research support were provided by state and federal appropriations to the Ohio Agricultural Research and Development Center, and by the Department of Family Resource Management, and The Office of Research and Graduate Studies, The Ohio State University.Kathryn Stafford is Associate Professor, Department of Family Resource Management, 1787 Neil Avenue, Columbus, OH 43210-1295. Her research interests include household management and time use. She received her Ph.D. from Cornell University.Golden Jackson is Assistant Professor, Department of Family Resource Management, 1787 Neil Avenue, Columbus, OH 43210-1295. Her research is primarily in the area of the economic effects of divorce. She received her Ph.D. from The Ohio State University.Sharon Seiling is Assistant Professor and Extension Specialist in Family Resource Management, Department of Family Resource Management, 1787 Neil Avenue, Columbus, OH 43210-1295. Her research is on the impact of family change, especially divorce, on access to housing and overall financial well-being. She received her Ph.D. from Cornell University.     

Perceived risk associated with apparel purchasing in discount stores

Consumer discount store patronage preferences for apparel are investigated using the concept of perceived risk. Apparel items are assigned a type and level of risk: low social, low economic; high social, low economic; and high social, high economic. Females (N=222) responding to a mail survey rate their willingness to purchase each item in a discount store on a scale ofprefer to buy, may buy, ornever buy. Results suggest that consumer preference for purchasing in discount stores declines more sharply when economic risk increases than when social risk increases.Teresa A. Summers is Associate Professor of the School of Human Ecology, Textiles, Apparel Design and Merchandising at Louisiana State University, Baton Rouge, LA 70803. She received her Ph.D. from Texas Woman's University. Her research interest includes rural/urban consumer responses to changes in the marketplace.Frances C. Lawrence is Professor of the School of Human Ecology, Family, Child, and Consumer Sciences at Louisiana State University, Baton Rouge, LA 70803. She received her Ph.D. from Florida State University. Her research interests include family financial decision-making and family time use.Janice L. Haynes is Assistant Professor of the School of Human Ecology, Textiles, Apparel Design and Merchandising at Louisiana State University, Baton Rouge, LA 70803. She received her Ph.D. from Texas Woman's University. Her research interest includes retail patronage of specialized consumer market segments.Patricia J. Wozniak is Associate Professor of the Department of Experimental Statistics at Louisiana State University, Baton Rouge, LA 70803. She received her Ph.D. from the University of Wisconsin-Milwaukee. Her research interests include survey methodology and rural families.     

Family use of community services in economically stressed rural counties

This study focuses on stresses, coping strategies, and satisfactions of respondents in eight economically distressed rural counties in the state of Washington. An adult sample is divided into two groups: those who indicate specific economic problems and/or are unemployed (n=236) and those who are still employed and do not report specific economic stresses (n=190). Although those with specific economic problems show higher levels of perceived stress and financial dissatisfaction, there are no differences reported in over-all family satisfaction. Results point to the importance of providing specific employment-related community services to family members in these types of communities.Dorothy Z. Price, Ph.D. is a Professor in the Department of Child and Family Studies, Washington State University, Pullman WA 99164-2010. Her research interests include decision making and consumer behavior. She received her Ph.D. from Michigan State University.Lonnie J. Dunlap, M.A., is a Graduate Research Assistant in the Interdisciplinary Ph.D. Program, Washington State University, Pullman, WA 99164-2010. Her research interests include work and family interactions and career development.     

Financial management: Development of scales

This study is a contribution to the development of family resource management scales, specifically financial management scales. Principal axis factor analysis, with varimax rotation, is used to assess underlying relationships in 23 family resource management variables related to time and money resources. Reliability and content, construct, and criterion-related validity of the scales are assessed. Two scales that are reliable and have some degree of validity are developed: frequency of financial problems and frequency of financial management. The scales could be used in future research, teaching, or counseling to organize financial management concepts.Preparation of this research was supported in part by the Illinois Agricultural Experiment Station. Data were collected in conjunction with the cooperative regional research project NC-182, Family Resource Utilization as a Factor in Determining Economic Well-Being of Rural Families. Cooperating states are Arizona, California, Illinois, Indiana, Iowa, Kansas, Michigan, and Minnesota.She received her Ph.D. from the University of Illinois; her current research interests include gender roles, family financial management, and economic well-being.Her current research interests include family financial management and consumer bankruptcy. She received her Ph.D. from the University of Missouri.Her current research interests include the economic well-being of various family forms. She received her Ph.D. from the University of Illinois.She received her Ph.D. from the University of Illinois. Her research interests are economic well-being and quality of life.