Financial Education is not Enough: Millennials May Need Financial Capability to Demonstrate Healthier Financial Behaviors

Financial education sans opportunities for hands-on experience and knowledge operationalization may be insufficient for promoting healthy financial behaviors. Financial capability combines financial education with financial inclusion via a savings account, thereby giving an opportunity translate knowledge into practice. This study used data from the 2012 National Financial Capability Study to examine relationships between the financial capability and financial behaviors of United States Millennials (N = 6865). Compared to their financially excluded peers, Millennials who were financially capable were 176 % more likely to afford unexpected expenses, 224 % more likely to save for emergencies, 21 % less likely to use alternative financial services, and 30 % less likely to carry burdensome debt. Interventions that focus solely on financial education or inclusion may be insufficient for facilitating Millennials’ healthy financial behaviors; interventions should instead develop financial capability.     

Households’ Net Worth Accumulation Patterns and Young Adults’ Financial Health: Ripple Effects of the Great Recession?

We examined households’ dynamic patterns of net worth accumulation between 1999 and 2009 and asked whether these patterns related to the financial health of young adults growing up in those households. Two patterns of net worth emerged—the first remained high and stable and the second experienced a precipitous decline between 2007 and 2009. Young adults who grew up in households with high and stable net worth also experienced the greatest benefit in financial health. Given wealth losses in the wake of the Great Recession and the ripple effects those losses may have had—and may continue to have—on households and their children, policies that stimulate wealth accumulation may be feasible and timely strategies for improving financial health.     

Relation of Goal Setting and Goal Sharing to Performance and Conflict for Interdependent Tasks

Despite the prevalence of goal setting in organizations, researchers have not thoroughly examined the implications of goal setting to work outcomes in interdependent work settings. A field survey (n= 442) assessed the relation of goal setting and goal sharing, the extent to which others are aware of an individual's work goal, to performance and conflict across varying levels of task interdependence. The results of moderated regression analyses demonstrate that in highly interdependent tasks, the use of goal setting resulted in lower performance levels. Moreover, goal setting and goal sharing in highly interdependent tasks resulted in individuals' reporting more somatic symptoms. The results are discussed in terms of clarifying the role of goal setting for interdependent tasks.     

Alcohol and substance use disorders as predictors of child to adult sexual revictimization in a sample of community women

Alcohol- and substance-related diagnoses were examined as factors in child to adult sexual revictimization. Three hundred community women completed interviews and self-report instruments to obtain information regarding victimization and to diagnose substance use disorders (alcohol and substance abuse/dependence). Childhood sexual abuse (CSA) survivors were more likely than nonvictims to meet criteria for both substance use disorders and to report rape (e.g., unwanted intercourse due to threat or use of force, or due to the inability to consent due to the respondent's alcohol or drug use) and coerced intercourse (e.g., unwanted intercourse due to verbal coercion or misuse of authority by the perpetrator) by acquaintances, strangers, and husbands. In general, both CSA and substance use disorders were predictive of adult sexual victimization, but there were no significant interactions between these factors. Overall, substance use disorders were related to rape for all women; this relationship was not unique to CSA survivors. Alcohol- and substance-related diagnoses predicted rape by all three types of perpetrators, but CSA was predictive of rape only by acquaintances and strangers and not husbands. In contrast, CSA predicted coerced intercourse by all three perpetrators, while alcohol- and substance-related diagnoses predicted coerced intercourse by acquaintances and strangers, but not husbands. Results highlight the need to continue the study of revictimization of CSA survivors, including examination of both rape and sexually coercive experiences by different types of perpetrators. Findings support continued research of substance use disorders as risk factors for sexual victimization among all women.     

Sex on the brain?: an examination of frequency of sexual cognitions as a function of gender, erotophilia, and social desirability

It is commonly believed that men think about sex much more often than do women, but the empirical evidence in this area is fairly weak. By means of a golf tally counter, 283 college students kept track of their thoughts pertaining to food, sleep, or sex for one week. Males reported significantly more need-based cognitions overall, but there was no significant interaction between sex of participant and type of cognition recorded. Therefore, although these young men did think more about sex than did young women, they also thought more about food and sleep. In contrast, a retrospective estimated frequency of need-based cognitions obtained at the start of the study revealed a sex difference in sexual cognitions, but not thoughts about eating or sleeping. Erotophilia and sexual desirability responding were significant predictors of frequency of sexual cognitions for women, but not for men. Overall, erotophilia was a better predictor of sexual cognition than was sex of participant. Taken as a whole, the results suggest that, although there may be a sex difference in sexual cognitions, it is smaller than is generally thought, and the reporting is likely influenced by sex role expectations.     

Increasing aging content in social work curriculum: perceptions of key constituents

This mixed methodology study examines the perceptions of key constituents regarding methods for effectively integrating aging content into the foundation curriculum of the BSW and MSW program at the University of Georgia School of Social Work. Students were asked to complete a survey to determine their perception of geriatric content that existed within the foundation coursework. Following an analysis of the survey results, eight semi-structured focus group discussions were conducted with a purposeful sample of students, faculty, field instructors, social work alumni, older adults from the community, and representatives from aging agencies. The intention of these focus groups was to find out what aging content should be infused within the curriculum. The focus group meetings were held in various locations throughout Northeast Georgia and in one remote location in South Georgia. Participants were interviewed about the necessary skills and knowledge for social workers practicing with an aging population in the areas of: essential intervention skills, program policies and regulations, critical information needed to develop client service plans, strategies for addressing service delivery fragmentation, and community collaboration to support intergenerational family needs. The results of this study will be discussed to provide suggestions on how existing foundation courses can integrate aging content.     

Using Quali-Quantitative Indicators for Assessing the Quality of Citizen Participation: A Study on Three Citizen Juries

Over the last 3 decades, citizen involvement has become rather common in policymaking processes. Its rationale, as well as its potential benefits and limitations, are manifold. The literature on the evaluation of public participation is copious and it is crucial both to implement effective processes, and to achieve high-quality outcomes. Inspired by deliberative democracy theory, dialogue/fairness and knowledge/competence have been considered the two main criteria to assess the quality of deliberative processes. Based on the analysis of three citizen juries, the paper focuses on the process through which citizen deliberation occurs. Specifically, three properties related to dialogue, i.e., equity, cooperation, and cognitive openness, were treated as quality indicators of the deliberative process. Both quantitative and qualitative methods were used, and three sources of data utilized: (a) semi-structured interviews to jurors; (b) post-jury questionnaires; and (c) jurors’ conversational turns. Altogether, the analyses showed that despite the imbalance in participation, the deliberation process was perceived as fair. However, findings also suggested that the participatory setting did not promote the ability of participants to generate new collective knowledge.     

Discourse Analysis in Career Counseling and Development

Discourse analysis can be used to understand and interpret culturally and socially produced meanings regarding work and to outline how specific rules and conventions can configure meaning production of work in context. The implications of some core concepts in discourse analysis pertinent to career counseling are explored, including discourse, deconstruction, power/knowledge, psy‐complex, ideology, and identity. Such an exploration has the potential to initiate a process of critical self‐reflection in career counseling and development so as to enhance ethical, fair, and inclusive practices in the field.     

Predictors of the transition from experimental to daily smoking in late adolescence and young adulthood

Although smoking initiation is rare in young adulthood, the progression to a higher level of smoking still occurs at this developmental stage. Thus, this study was aimed at exploring predictors of the transition from experimental to daily smoking in late teens and young adults using the 2nd and 3rd waves from the National Longitudinal Study of Adolescent Health. Predictors were chosen based on Problem Behavior Theory and others that have been found to be influential in the literature. Of the variables studied, age, racial-ethnic identity (Black and Hispanic as compared to White youth), risk-taking tendency, and marijuana use predicted daily smoking 5 years later. Only one predictor, GPA, was protective for reducing the likelihood for the transition to daily smoking. The results are discussed in regard to implications for prevention of the progression to persistent daily smoking.     

International issues of the design and usage of websites for e-commerce: Hotel and airline examples

Technology has globalized businesses. International business is difficult due to differences in languages and cultures. In terms of technology, in some countries, it is difficult to get data; while in others, data is input in different ways. This paper examines how international differences affect website design, implementation and usage. We analyze websites of airlines and hotels. While some websites take into consideration language and culture differences, we find significant room for improvement in both industries. We found support for localization strategy in marketing, communication and transactions. Theoretical and practical implications, including language translators, currency converters and pull-down fields, are discussed.