The Association Between Consumer Debt and the Likelihood of Divorce

As part of the Center for Financial Security’s 2010 symposium, this study examined the association between consumer debt and divorce. Longitudinal data from the National Survey of Families and Households (N = 4,574 couples) indicated that consumer debt was positively associated with divorce. Financial conflict completely mediated this association for both husbands and wives and marital satisfaction also completely mediated the association for wives. These findings suggest that when families take financial steps to secure their financial stability they may also be taking steps to secure their relationship stability.     

The Portfolio Ideal Worker: Insecurity and Inequality in the New Economy

Qualitative Sociology - Abstract The white-collar ideal worker norm helps to explain why social inequality persists in the workplace, yet the concept reflects corporate workplaces of the...     

Predictors of Chapter 13 Completion Rates: The Role of Socioeconomic Variables and Consumer Debt Type

This study examined whether demographic or financial variables best predict completion of Chapter 13 bankruptcy plans. Multinomial logistic regression revealed that demographic variables were more important than financial variables in predicting completion. Completion of a Chapter 13 repayment plan was not associated with a debtor’s monthly income or expenses. Never married debtors, dependent children, a previous filing, and higher mortgage arrears increased the likelihood of dismissal. Longer job tenure and home ownership improved completion rates. Discharge was associated with higher unsecured debts. Results can help improve Chapter 13 completion rates. Debtors need guidance in setting up realistic repayment plans. Financial counselors could help ensure that repayment plans are feasible and to counsel debtors who miss a plan payment.

Two Sides of the Same Coin? The Differing Roles of Assets and Consumer Debt in Marriage

This study examines whether assets and consumer debts relate to change in marital satisfaction and conflict in opposing ways or in independent ways. It also tests whether these relationships are direct or mediated. Using a nationally representative longitudinal sample, the results indicate that assets and consumer debt influence change in marital outcomes in mostly independent rather than complementary ways. Consistent with prior literature, assets work indirectly by decreasing feelings of economic pressure. Consumer debt, however, directly predicts changes in marital conflict, even after controlling for variables in the family stress model. Debts also act indirectly by decreasing depression once economic pressure is included in the model. This unexpected suppressor effect suggests that the meaning of debts may not be straightforward.     

Household Debt and Marital Instability: Evidence from the Korean Labor and Income Panel Study

Korean society has recently experienced rapid increases in household debt and divorce rates. This study investigates whether household debt and debt ratios lower marital stability and increase the probability of divorce among Korean families. Six-year panels from the Korean Labor and Income Panel Study (KLIPS) household surveys were used for analysis. The effect of household debt upon the probability of divorce was estimated through pooled and population-averaged Logit models. The results suggest that household financial strain measured by the amount of household debt and the debt-to-income ratios does not significantly affect the probability of divorce. This finding contradicts the widespread notion that households’ excessive borrowing has been partially responsible for the recent increase in divorce rates in Korea.

Socioeconomic and Gender Health Disparities in Diabetes: The Lower Middle Income Case of Ghana

While literature theorizing the relationship between socioeconomic status (SES), gender, and health outcomes is robust in high‐income countries, there is less scholarship examining how SES affects men and women in lower middle income countries (LMICs). Focusing on the LMIC case of Ghana, I use Wave 1 of the World Health Organization Study on Global Aging and Adult Health (SAGE) to examine the relationship between SES and diabetes among Ghanaian women and men. Specifically, I examine how key SES measures such as educational attainment, employment status, and income singly and collectively predict the odds of diabetes for Ghanaian men and women. I also examine the explanatory value of the reversal hypothesis, which posits that those of high SES experience higher rates of non‐communicable diseases. Overall, I find that while Ghanaian men experience increased odds of diabetes with increased education, Ghanaian women have higher odds of diabetes compared to men regardless of educational attainment. Understanding health patterns in LMICs like Ghana is important for sociological inquiry on health disparities seeking to incorporate more global perspectives.     

Wealth in Middle and Old Age in Mexico: The Role of International Migration1

This article examines the impact that past migration to the U.S. has on the current economic well‐being of individuals in middle or old age who have returned to Mexico. A priori, the net effect of U.S. migration on wealth among return migrants is difficult to predict; there are counteracting factors that can affect wealth positively or negatively. Using data from the Mexican Health and Aging Study 2001 and correcting for selection factors, the long‐term effect of U.S. migration for return migrants was found consistently positive in terms of their accumulated personal wealth at middle and old age. This article speculates about the possible mechanisms that can explain this apparent advantage.     

Labor Markets and the Process of Income Attainment in the Multimedia Age

Abstract  This paper examines several foreseeable scenarios about the effects of information technology on the labor market and the process of individual's income attainment. While I do not intend to exclude other factors, I argue that computer literacy and information literacy are two distinct but complimentary factors, and that they will be the two critical issues in determining the productive capacities of workers in the multimedia age. I view information literacy as a firm-specific skill, and argue that it will be the key factor in determining the production function of workers within the firm. Computer literacy is viewed as the endowment of information literacy skills. Workers with higher levels of computer literacy will be at an advantage at the time of labor market entry. Further, such workers are more likely to have higher rates of return on firm's investments in information literacy skills. thereby yielding higher productions. Based on the premise that information technology and labor are complementary components which should reveal an increase in the demand for higher skilled workers, I suggest that income differences are likely to widen along the lines of educational attainment and establishment-size. The "Implications" section (V) of the paper examines several issues for further research in this incipient field of sociology.     

From the 30s to the 60s: The folk music revival in the United States

Conclusion Woody Guthrie's ashes were spread by the wind over the water from a Coney Island, New York pier a few days after he died on Oct. 3, 1967. His wife and children, including his 19-year-old son Arlo, were present as America's greatest folksinger was laid to rest. One of the last things Woody heard before he died was Arlo's recorded voice singing the draft-dodging tale of Alice's restaurant. He must have sensed that the spirit had been passed on. Woody Guthrie died just as the second great wave of popular interest in American folk music was coming to an end. Alice's Restaurant was in many ways one of its last echoes. The symbolism could not have been more poignant. At the center of the first folk revival, Woody Guthrie was a vital source of inspiration for the second.The new generation of singer-songwriters who marked the second wave was largely composed of those with at least some contact with the new mass higher education and those multi-versities that were built to dispense it. They were neither members of a déclassé elite, as could be said of Charles and Pete Seeger and John and Alan Lomax, nor were they authentic folk singers, like Woody Guthrie. Nor could they be. By the 1960s, the conditions that had created the possibility for the first wave of the movement had been irretrievably altered. After the Second World War, with a postwar economic expansion and population explosion under way, America was a different place. Besides, the first folk revival had already claimed authenticity as its own. For the most part, if there was any aspiration toward authenticity amongst the topical singer-songwriters (those in New York City in any case), it was to be as close a copy of the first generation, Guthrie and Seeger, as possible. Purism was the second wave's answer to the authenticity of the first.Being part of an expanding generation of white, college-educated youths affected the form and content of the music that characterized the second wave. The most obvious aspect of this was the arena of performance and the audience who filled it. Gone were the union halls, the singing in working-class bars and beerhalls and at Party functions, all of which had characterized the first wave. These were replaced first by coffee shops and small clubs, either in Greenwich Village or those surrounding college campuses. The forays into the South in support of the civil-rights movement were for the most part short-lived and highly symbolic, not to say self-serving. The real mass audience arrived with the antiwar activity and was largely university centered.It was also this audience that filled the auditoriums and concert halls for the more obviously commercial performances by the singer-songwriters of the second wave. This overlapping public provided the grounds for a new mass market in folk music. Peter, Paul, and Mary, who sang in front of many mass demonstrations in protest against the war in Vietnam or in support of civil rights, were, although they saw themselves as carrying on in the spirit of the Weavers, an entirely commercial creation. In the article from the East Village Other cited above, written just after the first big concert in America against the war in Vietnam, Izzy Young angrily notes that everybody was a part of it except the people managed by Albert Grossman - Peter, Paul and Mary, and Bob Dylan. When the war in Vietnam became popular, three years later, Peter, Paul and Mary flew down to Washington, D.C. to take their place in front of the cameras.Commercial rationality was much more a factor in defining the second folk revival than the first. The possibilities were greater and the structure of the music industry was different. With a new mass market still in the process of formation and thus unspecified in terms of taste, the larger record companies could afford to take a liberal attitude and to include under their label, all the revolutionaries, as Columbia Records proudly announced in its contemporary advertising. Commercial possibilities thus were more important in shaping the musical form and content of second folk revival than politics, which were so central to the first. As opposed to the old left, the new left was a loosely organized contingent of organizations and groups with little coordination between them. In fact, many if not most of the organizations were ad hoc committees formed for a specific strike or demonstration. No one group was thus in a position to exert ideological hegemony. Following from this, at least during the period under discussion, there was little political dogmatism to be found. With no powerful organization to impose it, there was no clear political line to defend and thus to sing about. Even the notion of the people, so central to the first folk revival, was relatively absent in the second. Who were the people addressed? Certainly not the working class or even the common man. I am just a student, Sir, I only want to learn, sang Phil Ochs.During the second folk revival, the people had become the silent majority, the province of the conservative right. Neither in music nor in politics did the new left make many attempts to reach the common man in the street. The people had been massified, according to new left theory, and in the new one-dimensional mass society the grounds of political and social identity were always shifting. Besides, country music had already established itself as the musical genre of the rural, southern, western and white, common man. From a commercial point of view, there was little need to look for authenticity or the people; the market was sufficiently large and getting larger as more and more young people entered the institutions of higher education. Politically, this was not a serious problem either, as long as the aim was not revolution as it had been for the old left. It was sufficient, then, to address the masses of youngsters gathering together at institutions of higher education. If there was a revolution at foot, this was it.While the first wave practically had to invent folk music, the second could draw on the reservoir of public culture that to a large extent resulted from this invention. The networks and institutional support provided by the old left and the personal authority of a figure like Alan Lomax made possible the imposition of rather strict criteria for determining in what exactly folk music consisted. Neither networks nor gatekeepers were so determinate to the second wave. With the folksong and folksinger already invented, the new generation could pick and choose from a rather wide range of options. In addition, by the time the new left and the topical-song movement achieved at least a semblance of cohesion, folk music was already institutionally supported by radical entrepreneurs like Izzy Young and the more commercial recording industry. There were, thus, strong institutional bases for folk music outside of politics. Politics, in other words, was not the only game in town. But neither was commerce. The civil-rights movement and the new social movements that developed out of it opened for a short period a space, a public arena, in which the idea of folk music could be reinvented anew. Within this space the traditions constituted during the first wave of folk revival were experimented with and modified in light of the new social and historical context. America was not the same place in the 1960s as it had been in the 1930s and neither could its folk music be. The actors, the setting, and the songs were all different, yet still the same.In attempting to account for both this continuity and change in the two waves of folk revival we have drawn from both the cognitive approach to the study of social movements, which calls attention to the creative role of social-movement actors in the production of knowledge, and the production of culture perspective, which highlights the effects of institutional arrangements in the production of cultural goods. From the former, we have focused on the changing character of movement intellectuals, those to whom Ralph Rinzler in the epigraph that begins this article gave special place; from the latter, we have noted how, among other things, the changing nature of the recording industry helped recast the folk music revival. We hope that the foregoing has demonstrated that in combining these approaches, as well as areas of research interest, we have uncovered aspects of the folk revival others may have missed.     

The Ideal and the Real:

Kelantan Malay society exhibits several properties, such sa a bilateral social structure and unrestricted economic participation for both sexes, which tend to promote equality for women at the village level. At the same time Islam, introduced to the area 500 years ago, actively minimizes the status and rights of women. These contending influences promote the creation of a set of village level strategies for maintaining the letter of Islamic law while preserving the spirit of traditional village social structure and the rough equality of women. Further, these influences can be seen to affect the roles of young unmarried women, wives, divorcees, and even prostitutes.     

Anti-War Activism: New Media and Protest in the Information Age

This starts out by distinguishing between communication and communication mediums when examining social movement-powered formations of collective identity and collective action. We then focus on communication mediums to examine the different ways that old and new media are utilized in urban social movements under neoliberal capitalism. Based on shifts in the political economy and correspondingly in the contemporary composition of the working class, we focus on the Media Mobilizing Project in Philadelphia to argue that contemporary urban social movements and networks utilize a multi-media platform to further class-based politics. The respective use of old or new media depends on important contextual questions, regarding technology access and geographic aspects of movement building work.     

Black and White Families: Factors Affecting the Wife's Contribution to the Family Income Where the Husband's Income Is Low to Moderate*

The economic role of the black wife in contrast to her husband's weak economic position is a key assumption in Moynihan's thesis of a black matriarchy. Using the National Longitudinal Survey of women, aged 30 to 44, in 1967, this paper examines the factors affecting the wife's contribution to the family income for both black and white families where the husband's income is below the median of all male-headed families. The results suggest that black wives and white wives respond similarly with respect to their overall contribution, the demand for female labor, and the effect of children. There is no support, moreover, for Moynihan's assumption that black wives are compensating for their husband's weak economic position. It appears, however, that the definition of the provider may differ among black families and white families.     

Socioeconomic Status and Age: The Effect of Income Sources and Portfolios on U.S. Adult Mortality

Despite the persistent inverse relationship between family income and mortality, no one has examined the effect of distinct income sources or income portfolios on mortality risk. We link the National Health Interview Survey to the Multiple Cause of Death file and use hazard models to examine income-related mortality across four age groups. Income from jobs, self-employment, interest, and dividends each predicts lower mortality at the younger, middle, and early old ages. Diverse income portfolios buffer against mortality risk at all ages, net of the amount of income received. These findings illuminate the various dimensions of income that shape U.S. mortality risks.     

Beyond Parental Status: Psychological Well‐Being in Middle and Old Age

Surveys show little evidence of psychosocial disadvantage among childless middle‐aged and older adults, but less is known about the diverse experiences that influence subjective well‐being among parents and childless adults. In this article, the author uses the National Survey of Families and Households to test a parental‐status typology on the basis of attitudes among childless adults and parent‐child relationship quality and the connection of these factors with loneliness and depression. Poorer parent‐child relationships are linked to worse outcomes for both mothers and fathers, net of other factors. For childless adults, negative attitudes about childlessness are associated with greater distress for women than for men.     

Reason, Politics, and the Politics of Truth: How Science Is Both Autonomous and Dependent

The concept of "science" usually includes commitments to reason, objectivity, and disinterest in the search for truth about the nature of the world. In this view, politics, in the sense of maneuvering to gain power, corrupts both the process and the product of science. However, we show that science is political through and through—in the process of constructing scientific knowledge, in maintaining disciplines, and in being responsive to partisan sponsorship. Nevertheless, the practitioners of both science and politics maintain the boundary between the two fields; in fact, the disciplines most dependent upon government support tend also to be the most autonomous. This situation becomes understandable when both fields are considered as discursive practices. Then, scientific debates can be seen as productive precisely because they derive from an objective agreement about science as an autonomous intellectual enterprise, and science itself can be seen as a politics of truth .     

The Constraints on Civil Society beyond the State: Gender-based Insecurity in Meghalaya,India

The role of civil society is vital for politicizing, contesting, and addressing human insecurity, yet there is very little analysis of the ability of civil society actors to do so. Recent critical approaches to the concept have questioned the tendency to view civil society as an unequivocal good, yet the majority of these critiques still focus on civil society at a global level or on the enabling and disabling capacity of the state at the national level. This paper argues that civil society is constrained not only by the state but by local government and other actors from within civil society. Identity politics, power relations, and existing inequalities between and within communities affect the ability of formal and informal organizations to contest the causes of insecurity. This paper examines the role of civil society in addressing gender-based insecurity in the Indian state of Meghalaya to demonstrate the influence of these factors on civil society and concludes by arguing that civil society is a much more dynamic and contradictory sphere than is often recognized by both advocates and critics. These dynamics must be understood if the constraints on civil society are to be transcended.

Family Well-Being During the COVID-19 Pandemic: The Risks of Financial Insecurity and Coping

During the COVID-19 pandemic, families have experienced unprecedented financial and social disruptions. We studied the impact of preexisting psychosocial factors and pandemic-related financial and social disruptions in relation to family well-being among N = 4091 adolescents and parents during early summer 2020, participating in the Adolescent Brain Cognitive Development^SM Study. Poorer family well-being was linked to prepandemic psychosocial and financial adversity and was associated with pandemic-related material hardship and social disruptions to routines. Parental alcohol use increased risk for worsening of family relationships, while a greater endorsement of coping strategies was mainly associated with overall better family well-being. Financial and mental health support may be critical for family well-being during and after a widespread crisis, such as the COVID-19 pandemic.     

High School Is Not Too Late: Developing Girls' Interest and Engagement in Engineering Careers

Although experts increasingly call for science, technology, engineering, and math (STEM) education to begin in middle and elementary schools, a 3‐year intervention beginning with high‐achieving female high school sophomores demonstrated that young women can develop a serious interest in engineering in high school. However, subsequent post‐high school study of the participants showed that interest in engineering was not enough for lower‐income minority women to pursue engineering in college. It should be noted that their decision against pursuing engineering in college was not due to their lack of academic preparation or interest in the field, but to a lack of financial resources and social support for engineering, as well as fears of failure. Career counselors and college recruiters have an important role to play in the recruitment and retention of girls of color in engineering and other STEM college majors, including facilitating support and access to appropriate programs and resources at pivotal times.     

Consumer Participation: The Voluntary Sector and the Concept of Power

The relationship between voluntary agencies and their consumers has been the subject of very little, if any, empirical research. The burden of this paper is to highlight questions appropriate for investigation. It explores the idea of a ‘power’ relationship between voluntary agencies and consumers, and makes particular reference to the theory of a social construction of disability. Questions are raised about the meaning of ‘consumer participation’ and the role of the disability movement. Consumer participation depends upon the exercise of power; which itself requires the fulfilment of three pre-conditions. Successful implementation hinges on more than just structural and operational change. Participation must be seen as a process of re-definition: a reconstruction of the social reality in which voluntary groups exist. Such a process fundamentally alters the relationship between voluntary agencies and consumers; and so transforms the ethos and nature of voluntary action itself.