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.     

Systematic handling of missing data in complex study designs – experiences from the Health 2000 and 2011 Surveys

We present a systematic approach to the practical and comprehensive handling of missing data motivated by our experiences of analyzing longitudinal survey data. We consider the Health 2000 and 2011 Surveys (BRIF8901) where increased non-response and non-participation from 2000 to 2011 was a major issue. The model assumptions involved in the complex sampling design, repeated measurements design, non-participation mechanisms and associations are presented graphically using methodology previously defined as a causal model with design, i.e. a functional causal model extended with the study design. This tool forces the statistician to make the study design and the missing-data mechanism explicit. Using the systematic approach, the sampling probabilities and the participation probabilities can be considered separately. This is beneficial when the performance of missing-data methods are to be compared. Using data from Health 2000 and 2011 Surveys and from national registries, it was found that multiple imputation removed almost all differences between full sample and estimated prevalences. The inverse probability weighting removed more than half and the doubly robust method 60% of the differences. These findings are encouraging since decreasing participation rates are a major problem in population surveys worldwide.     

Pension financialization and collective risk sharing in Canada and Finland

This article contributes to the debate concerning pension financialization and how countries are adapting their pension systems to respond to demographic ageing. We do so by examining the statutory pension systems of Canada and Finland, which diverge interestingly from current international trends. The Canadian and Finnish public pension schemes reflect two tendencies often associated with pension financialization: an increasing reliance on financial markets and an investment policy with a diversified asset allocation. However, unlike in many other countries, this has not resulted in heightened individual risks in old-age income security caused by a shift from defined benefit to defined contribution pensions – an otherwise common trend internationally.     

Perception of Emotions in the Hand Movement Quality of Finnish Sign Language

This study investigated whether people can decode emotion (happiness, neutrality, and anger) communicated via hand movements in Finnish sign language when these emotions are expressed in semantically neutral sentences. Twenty volunteer participants without any knowledge of sign language took part in the experiment. The results indicated that the subjects were able to reliably decode anger and neutrality from the quality of hand movements. For happy hand expressions, the responses of happiness and neutrality were confused. Thus, the study showed that emotion-related information can be encoded in the quality of hand movements during signing and that this information can be decoded without previous experience with this particular mode of communication.     

Do two competing frequencies differ significantly?

When testing the equality of two population frequencies, one well-known and common situation is that the test is based on two independent samples. In this paper, we consider the other interesting case, in which the comparison is actually within a single population and the test is based on a single sample.     

Self-reinforcing spatial clusters of migration and socio-economic conditions in Finland in 1998–2006

All the time the long economic growth period of 1992–2008 prevailed in Finland, the economic landscape was changing constantly and markedly. We analyse in this article how net migration plagued certain less competitive, mainly rural push-lose municipalities, and boosted in-migration to the pull-win municipalities in metropolitan environments during the very affluent period of 1998–2006. A persistent spatial match of net migration with pull and push conditions is evident in the socio-economically polarized extremes of the Finnish municipalities, indicating the existence of self-reinforcing processes which generate spatial clusters or in more theoretical terms, spatial formations. During the period of economic growth a spatial cumulative causation emerged to bring about a metropolitan type of regional development with only a few metropolitan areas, geographically wide and relatively stable intermediate areas and semi-peripheral, highly rural clusters of pronounced decline. Negative spatial cumulative causation brought about by the impacts of the shrinking primary and service sectors emerged in sparsely populated semi-peripheral municipalities, enforcing the regional polarization in demographic characteristics between growth centres and the poorest municipalities. The observed spatial clusters emerge as classes of their own in the Finnish typology of municipalities, exposing the areas of strongest flux. Our results indicate that various regional policy measures contributed to generating the success of economic evolution within fairly narrow, limited geographical areas.