Divers' Accounts of Normal Risk

This research examines how deep sea divers learn to expand notions of risk to include practices that violate formal training and may increase vulnerability to injury. Cultural constructions of “normal” or acceptable risk are learned in interaction with experienced divers who define the rules of membership and provide accounts that excuse or justify participation in high risk activities. The research explores how novice divers learn to distinguish categories of formal, normal, and excessive risk as they expand their risk involvement and attempt to achieve membership in the deep diving subculture. The study concludes with a discussion of risk normalization in everyday life and other leisure and occupational subcultures.     

Domesticating insurance,financializing family lives: the case of private health insurance for children in Finland

This article explores the domestication of a financial instrument that is much used in contemporary Finland, but that most of its users do not primarily think about in terms of being a financial instrument: the private health insurance for children. In Finland, all children are covered by social insurance and are entitled to free public health service with very low costs, if any. Yet, some 40 percent of families want to supplement this service with private products. Many fear that the popularity of the private health insurance for children contributes to a vicious circle that ends up weakening the legitimacy of, and the service given by, the public health sector; inequality in the face of health risks threatens to be aggravated, as well. Therefore, this financial instrument has become an object of political controversy. The main question of the article is: how do economic, political and moral valuations become intertwined in the domestication of insurance? The concept of ‘domestication’ is found helpful for analysing the pragmatics of valuation and for appreciating the dynamics and the heterogeneity of forces at play when financialization influences everyday life. The study argues that when financial instruments are appropriated they are also transformed; thus, they should not be viewed as homogeneous tools that have similar effects in all contexts of use. The main empirical materials studied are interviews with families with and without private health insurance policies for their children.     

Shoplifters of the World Unite! Law and Culture in Financialized Times

The last two decades have seen significant growth and change in the character of the interactions between working-class households and financial markets. Individuals and households are bearing more and more of the risks that were once managed by governments and employers, and financial markets have developed a vast range of products to facilitate that risk transfer. This has put households at the centre of financial innovation, requiring the extension of regulation and consumer protection into a whole new suite of financial products and a project of financial literacy and advice. Along with this financial development and its associated regulatory demands has come a new cultural project of capital seeking to normalize the expanded integration of individuals and households into capital's frontiers of accumulation. The project invites and invokes new forms of subjectivity (and subjugation) on the part of households. The developmental project required of state regulatory regimes is increasingly articulating not just a discourse of financial literacy but subordination to the individualism and discipline implicit in financial calculation. Contrary to its conception as spontaneous and individualist, this is an intentional and universalizing project of producing and managing labour's financial risks. In the collective self-management of these risks, the household is now not just a site of risk absorption; it is a major source of investment products (and, therefore, at the frontier of accumulation). Increasingly also, in the name of financial stability, households – not just those reliant on state support – are becoming subjects of surveillance and administration in their internal financial functioning. It is these dual aspects of households as both consumers and producers of financial claims that give materiality to conceptual and historical claims about the financialization of everyday life.     

Dienstleister der Finanzialisierung: Fragmentierte Organisation und kalkulierte Profite in der Immobilienwirtschaft

The financial crisis of 2007 has brought questions about the social order in capitalist societies back into the limelight. Economic sociology in particular emphasizes the growing influence of financial markets?? actors and logics. Most research focuses on macro phenomena or intra-organizational and individual perspectives. In contrast, concepts of financialization that explicitly take an inter-organizational perspective are in their infancy. Therefore, this article investigates the business and financing practices of a Europe-wide real estate firm. The historic case study shows the importance of service firms in the real estate sector and analyzes cooperation between different financial service firms (banks, estate agents, notaries, auditing firms, customers). Furthermore, it investigates how they jointly organize border-crossing and the relocation of legal liabilities and economic accountability. The article thus contributes to the current financialization debate in two ways: for one, it analyzes and explains inter-organizational cooperation between different service firms as being constitutive for financialization dynamics. For another, it points to the importance of calculative practices for establishing financialized corporations.     

Where Are the Children's Experiences? Analysing Social and Cultural Exclusion in 'Special' and 'Mainstream' Schools

In this paper we employ ethnographic data to illustrate that disabled children encounter discriminatory notions of 'normality' and 'difference' in both 'special' and 'mainstream' schools, and that these experiences relate to both the structural forces in schools, and the everyday individual and cultural practices of adults and children. In contrast to much of the literature in the field, this paper examines the everyday life experiences of adults and disabled children from their own perspective. We highlight disabled children's own criticisms of 'special' and 'mainstream' schools to illustrate the fluid nature of disabled children's lives within educational settings. We argue that schools will be prevented from becoming fully inclusive until adults who control schools take account of children's views of specific educational processes and until educational policy makers adopt a more nuanced multi-level approach to inclusion. Children should be enabled to challenge the structural, cultural and individual conditions which create disability.     

Colonialism,Disability, and Possible Lives: The Residential Treatment of Children Whose Parents Survived Indian Residential Schools

This article performs an institutional autoethnography of working in a residential treatment center, proposing a moral economy in which the exaltation of white nondisabled professionals is tethered to the denigration of disabled Aboriginal children. It describes how resident and staff resistance, respectively, can be taken up so as to facilitate the smooth continuity of the status quo. And it raises questions about everyday institutional practices such as physical restraints, behavior modification, and life-skills curricula, suggesting they may not do what they are intended to do and may instead wither away knowledge and skills that residents had cultivated before their “intake.”     

Finanzialisierung und die Entstehung der Eurokrise: Die Perspektive der Vergleichenden Kapitalismusforschung

The article provides an explanation of the Eurozone crisis by focusing on the process of financialization that interacts in different ways with diverging varieties of capitalism. By doing this it contributes to the emerging discussion on country-specific variations of financialization and their interactions. The strongly increasing importance of the financial system has led—together with the abolition of the exchange rate risk—to a strongly increasing private indebtedness in the Southern Eurozone economies and to the emergence of a consumption-driven growth regime. It has developed a symbiosis with the export-driven German growth regime, as far as parts of the demand created have benefitted the German export sectors and German banks have become important providers of credit in the Southern Eurozone. The reduction of credit provision after the global financial crisis has led to the stagnation of the Southern economies.     

Young Children's Everyday Civics

Civic education for our youngest citizens faces two challenges if we want to imagine new possibilities. First, the field of social studies uses frames of analyzing citizenship education based on studies of older students. Second, predetermined adult ideas (and ideals) of what it means to act civically dominate our conceptions of civic education for young children. Drawing on data from a yearlong multivocal video-cued ethnography, this article argues that social studies needs to focus on the everyday, embodied ways that young children act civically. Using a vignette from a typical day, this article illustrates how young children's everyday relationships and interactions highlight a different vision of being civic—a more caring and relational idea of the common good. When we recognize young children's construction of a common good in their smaller, yet no less important, civic spaces of school, we can expand our notions of civic education.     

Trust and social capital in the regulation of lending activities

When a bank grants a loan, it takes the risk that the borrower will not honor his debt. To reduce this uncertainty, banks have created instrumental evaluation methods in order to try to evaluate the risk more objectively. An analysis of financial counselors’ practices shows the limits of these methods. To obtain information needed for the financial risk evaluation and to reduce the information asymmetry between bankers and borrowers, financial counselors integrate social networks to establish bonds of trust and to accumulate social capital. The quality of the social bond determines the quality of the gathered information and therefore the quality of the risk evaluation. Bank management is aware of the limits of instrumental methods and the importance of social risk evaluation. To improve their economic efficiency, they modify their work organization and their management practices so as to facilitate the emergence of a bond of trust and the accumulation of social capital by their financial counselors. The analysis of economic actors’ speech and behavior involved in activities of credit shows that behind the claimed altruism nature of the trust relationship exists an economic rationality whose social and temporal horizons of optimization differ from the model of the trade exchange seen in conventional economic theory.     

The politics of collective repair: examining object-relations in a postwork society

In this paper, we look at repair as an emergent focus of recent activism in affluent societies, where a number of groups are reclaiming practices of repair as a form of political and ecological action. Ranging from those that fight for legislative change to those groups who are trying to support ecological and social change through everyday life practices, repair is beginning to surface tensions in everyday life and as such poses opportunities for its transformation. We survey a few of the practices that make up this movement in its various articulations, to take stock of their current political import. While we suggest that these practices can be seen as an emergent lifestyle movement, they should not be seen as presenting a unified statement. Rather, we aim to show that they articulate a spectrum of political positions, particularly in relation to the three specific issues of property, pedagogy and sociality. These three dimensions are all facets of current internal discrepancies of repair practices and moreover express potential bifurcations as this movement evolves. Drawing on a diverse methodology that includes discourse analysis and participant observation, we suggest some of the ways in which this growing area of activity could play a significant role in resisting the commodification of the everyday and inventing postwork alternatives.     

Psychosocial Factors That Contribute to HIV/AIDS Risk Behaviors Among Young Black College Women

Sustainable consumption is one of the most recent challenges in the field of education. This is the reason why a great number of international institutions have formulated strategies to foster more sustainable consumption. In Greece, certain educational programs have gradually begum to implement a policy aiming to sustainable consumption in the field of the new curriculum of studies for primary school. The intent of this study is to highlight the need to consider the pupils' consumer habits and behaviors in the purchase and management of products and services in reference with modern consumption patterns. Specifically, the aim of this article is to identify the pupils' sustainable and unsustainable practices, considering their personal dimensions of everyday living, and giving a particular meaning to consumer education in Greece.     

Disrupted Bodies: Experiencing the Newly Limited Body in Stroke

This article explores the intersection of recovery and bodily practices among stroke survivors. Drawing on the extensive literature on the socially constructed body in general, on chronic illness, and on interactionist thought, we explore bodily experience as a mechanism that informs stroke survivors' understanding and practices of everyday life in recovery. We ask a central question: what practical mechanisms does the survivor employ to provide meaning to her or his newly disrupted body? Data gathered from in‐depth interviews with fifty‐one discharged stroke survivors show that they use three specific technologies of bodily management and meaning‐making. These are managing the body within a mind‐body dualism, testing the body in its everyday practices, and orienting to the body as a biographically informed phenomenon.     

Jokes and routines make everyday life a good life—on ‘doing family’ for young people in foster care in Sweden

The aim of this article is to identify inclusion practices in foster families by studying the everyday life of young people entering various types of foster family. Structure and warmth in the family stand out as important dimensions of everyday life. What is not so evident in previous research is the way emotional ‘warmth’ is created. In particular, joking, gentle teasing and laughing, which in this paper stand out as important inclusion practices, seem to be rather unknown aspects in foster care, as is the importance of doing things together in everyday life. The young people's contributions in creating a good family atmosphere are visible in the study, as is their capacity to adapt to a new family. Daily routines normalise the adolescents' everyday life. Negotiations make them part of important decisions, and may strengthen them as social agents. Foster parents' positive attitude towards birth family facilitates birth parents' support to their children. In this case study, mixed qualitative methods are used: interviews, network maps, ‘beepers’ and video recordings in the foster home.     

Assessing the causal relationship among communication,money management practices,satisfaction with financial status,and satisfaction with quality of life

The purpose of the study reported here is to assess the causal relationship among communication, money management practices, satisfaction with financial status, and quality of life. The data used were collected in 1986 through personal interviews. The sample size is 123 interviewees, and the unit of analysis is the household's money manager. Results show that the money managers who are more knowledgeable about financial matters, and those who are highly indebted, communicate more about money matters and report more money management activities. Satisfaction with financial status is caused mainly by economic factors (net worth and savings). The demographic factors that influence satisfaction with quality of life are marital status and household size. Satisfaction with quality of life is also predicted by income and satisfaction with financial status.This research was supported by the Iowa Agriculture and Home Economics Experiment Station Project No. 2773 (Journal paper No. 13123).Dr. Olive Mugenda is a senior lecturer Lecturer at Kenyatta University, P. O. Box 62337, Nairobi, Kenya, East Africa. Dr. Tahira K. Hira is a Professor, Department of Family Environment, Iowa State University. Dr. Alyce M. Fanslow is a Distinguished Professor, Department of Family and Consumer Sciences Education, Iowa State University, Ames, IA 50011.Drs. Mugenda and Fanslow received their Ph.D. degrees from Iowa State University, Dr. Hira received her Ph.D. degree from the University of Missouri, Columbia.Dr. Mugenda's research is in family financial management areas. Dr. Hira's research focuses on factors influencing satisfaction with households' financial status and consumer bankruptcy. Dr. Fanslow's research interest includes financial management education.     

Die Finanzialisierung von Unternehmen

Since the 1990s the financialization of the enterprise is an increasingly important aspect of capitalist development also in Germany. However, more recently a growing number of scholars point at a problematic conceptual stretching of financialization. The term has been defined too differently and ambiguously and has not been distinguished sufficiently from seemingly similar concepts. Financialization has been prematurely identified with a set of fixed effects often condensed to stagist concepts of capitalist development. When analyzing effects financialization has been regarded in isolation without considering interaction effects with other structurations of fields and hence the multi-referentiality of the enterprise. In order to overcome these shortcomings the article proposes a concept for the analysis of firm level financialization which draws on a more general sociological concept of field structuration and dynamics in which the “multi-referential enterprise” operates. Based on this concept the article analyses episodes of financialization in Germany showing its dynamics and limits. Financialization of enterprises proves to be structurally limited, institutionally contested, and unfolds its effects in deferent actor constellations at firm level due to its multiple and contradictory embeddedness.     

The time and space of everyday life

This article argues that everyday life is related to all social relations and activities, including both the ‘official’ practices that are codified and normalized and the ‘unofficial’ practices and articulations of experience. Indeed, everyday day life is seen as the single plane of immanence in which these two forms of practice and articulation interrelate and affect one another. The lived experience of everyday life is multidimensional, composed of various social fields of practice that are articulated, codified and normalized to different degrees and in different ways (either officially or unofficially). Moving through these fields in daily life, we are aware of passing through different zones of time and space. There are aspects of everyday relations and practices more open to government, institutionalization, and official codification, while others are more resistant and provide the basis for opposition and social movements. Everyday life is a mixture of diverse and differentially produced and articulated forms, each combining time and space in a unique way. What we refer to as ‘institutions’ associated with the state or the economy are attempts to fix social practice in time and space – to contain it in specific geographical sites and codify it in official discourses. The relations and practices more often associated with everyday life – such as friendship, love, comradeship and relations of communication – are more fluid, open and dispersed across time and space. However, the two should not be uncoupled in social analysis, as they are necessarily interrelated in processes of social and political change. This is especially so in contemporary capitalism or, as Lefebvre called it, the ‘bureaucratic society of controlled consumption’.     

Agency among young people in marginalised positions: towards a better understanding of mental health problems

ABSTRACT

Agency in marginalised youth has been studied from various perspectives, yet the challenges that mental health problems pose for their agency remain poorly understood. Drawing on data from a study on youth transitions fractured by mental health problems, this study sheds light on this important issue. The data consists of 49 life story interviews with young adults. Using Ruth Lister’s four-dimensional taxonomy of agency, the analysis shows how everyday struggles with mental distress are entangled with the practices of the social security system, medical care, education, labour markets, and work life. It also reveals how emerging attempts at strategic agency can fail or flourish depending on the response of the social and structural context. If strategic agency is restricted by institutional practices, it will soon return to day-to-day struggling or become everyday resistance and cynicism towards the system. However, if the strategic agency is supported by institutional practices, a genuine path out of distress emerges. The paper suggests that taking seriously the experiences of mental distress and situating them in a specific socio-political context is essential for understanding youth agency today.     

Sexual agency,risk and vulnerability: a scoping review of young Indigenous Australians’ sexual health

This review of qualitative research examining young Indigenous Australians’ sexual health highlights the profoundly social nature of young people’s sexual lives. Nineteen peer reviewed published papers were identified for inclusion. Findings reveal efforts made by some young Indigenous Australians to control their sexual lives, mitigate risk and maintain their sexual health. The review identified factors which are conducive to sexual health risks and vulnerability, including incomplete knowledge about STIs and safer sexual practices; gossip and ridicule concerning sexual activity and its consequences; damaging expectations about male prerogatives with respect to sexual relationships; limited inter-generational communication about sexual health issues; inadequate school-based sexual health education; and tensions between Indigenous and biomedical explanations of sexual health issues. Future research priorities include a focus on young Indigenous people in cities and towns across Australia, and in regional and remote settings in New South Wales and Victoria; understanding how Indigenous cultural values support young people’s sexual health; young men’s sexual and service-based practices; and the experiences of same-sex attracted and gender diverse youth. This research would inform the design and delivery of culturally safe and acceptable sexual health services and programmes, underpinned by an understanding of factors in young Indigenous Australians’ everyday sexual lives.     

Moral education as intercultural moral education

In a diverse country such as Peru, moral education should reflect social, cultural, political and spiritual dilemmas of both indigenous and non-indigenous peoples and their communities. To promote understanding and respect amongst people from different sociocultural backgrounds, moral education should encourage a dialogue between indigenous values and mainstream hegemonic values. In this article, we argue for the need to conceptualise moral education as intercultural. Against a common view that portraits indigenous people as incommensurable, that is, as trapped in their own radically different moral perspective, our own research in Shipibo-Konibo and Asháninka communities show that indigenous people display a moral point of view when analysing cultural traditions and practices. This moral point of view appears intertwined with their cultural values and ethnic identities and allows intercultural dialogue. In this vein, we argue for the need to incorporate intercultural moral conflicts and dilemmas into moral education to promote understanding and respect for others.