The 1999 Small Employer Retirement Survey: building a better mousetrap is not enough

As of 1995, there were 5.3 million small-employer firms (100 or fewer employees) in the United States. These small firms employed 38.0 million individuals, representing 38 percent of all employment. Therefore, low retirement plan coverage among small employers directly affects a sizeable fraction of the national work force. There are a number of reasons why more small employers do not offer retirement plans. Cost and administration-related issues do matter, but for many small employers these take a back seat to other issues. For some, the main driver is the financial reality of running a small business: Their revenue is too uncertain to commit to a plan. For others, the most important reasons for not sponsoring a plan are employee-related, e.g., the workers do not consider retirement savings to be a priority, or the employer's work force has such high turnover that it does not make sense to sponsor a plan. Many nonsponsors are unfamiliar with the different retirement plan types available to them as potential plan sponsors, especially the options created specifically for small employers. For example, most nonsponsors said they have never heard of (36 percent) or are not too familiar with (20 percent) SIMPLE plans for small businesses. Fifteen percent of small employers report that they are very likely to start a plan in the next two years, while 24 percent say this is somewhat likely. Nonsponsors report that the two items most likely to lead to serious consideration of sponsoring a plan are an increase in profits (69 percent) and business tax credits for starting a retirement plan (67 percent). Major drivers of low retirement plan sponsorship among small employers are who they employ and the uncertainty of revenue flows. While issues of administrative cost and burden matter, they are only part of the puzzle. Therefore, the solution is not simply "build it and they will come," by creating simpler and simpler retirement plans geared to small businesses. Rather, it is build it and they will come once the business reaches a certain level of profitability and stability, and once retirement planning and saving are more of a priority for the small employer's workers.     

Mere religiosity is not enough! Spirituality strengthens the relations between religiosity and positive youth development

Although prior research shows that either religiosity or spirituality facilitates well-being, the interaction of both constructs in predicting positive youth development (PYD) in collectivistic contexts remains unknown. This study examined the moderating role of spirituality on the link between religiosity and PYD, including each of its Cs (i.e., competence, confidence, connection, character, and caring) among 1116 Filipino adolescents. Results demonstrate that both religiosity and spirituality are positively correlated with PYD and its dimensions. Furthermore, there is a significant interaction between religiosity and spirituality for the overall PYD construct and the socio-emotional Cs (i.e., connection, character, and caring). This study highlights the importance of young people's sense of connection with something beyond than themselves (i.e., spirituality) in promoting adolescent thriving.     

When sorry is not enough: Archbishop Cardinal Bernard Law's image restoration strategies in the statement on sexual abuse of minors by clergy

In January 2002, the Boston Globe ran a two-part story on sexual abuse of minors by clergy in the Archdiocese of Boston that sparked the biggest crisis in the history of the American Catholic Church. Two days after the articles appeared, Archbishop Cardinal Bernard Law held a press conference to respond to the Globe's charges. This study examines Law's image restoration strategies in his press conference and proposes that even though Law failed to restore his image, he provided a fitting response. The study proposes that one may attribute Law's failure to restore his image to his relational history with his audience and to the perceived offensiveness of his actions.     

Caring is not enough: the importance of Internet skills for online privacy protection

This article explains Internet users’ self-help activities in protecting their privacy online using structural equation modeling. Based on a representative survey of Swiss Internet users, it reveals past experiences with privacy breaches as a strong predictor of current protective behavior. Further, in line with the ‘privacy paradox’ argument, caring about privacy (privacy attitudes) alone does not necessarily result in substantial self-protection. Most strikingly, however, general Internet skills are key in explaining users’ privacy behavior. These skills enable users to reduce risks of privacy loss while obtaining the benefits from online activities that increasingly depend on the revelation of personal data. Consequently, Internet skills are an essential starting point for public policies regarding users’ self-help in privacy protection.     

One world is not enough: the structured phenomenology of lifestyle migrants in East Asia

The paper is based on original empirical research into the lifestyle migration of European migrants, primarily British, to Thailand and Malaysia, and of Hong Kong Chinese migrants to Mainland China. We combine strong structuration theory (SST) with Heideggerian phenomenology to develop a distinctive approach to the interplay between social structures and the lived experience of migrants. The approach enables a rich engagement with the subjectivities of migrants, an engagement that is powerfully enhanced by close attention to how these inner lives are deeply interwoven with relevant structural contexts. The approach is presented as one that could be fruitfully adopted to explore parallel issues within all types of migration. As is intrinsic to lifestyle migration, commitment to a better quality of life is central to the East Asian migrants, but they seek an uncomplicated, physically enhanced texture of life, framed more by a phenomenology of prosaic well‐being than of self‐realization or transcendence. In spite of possessing economic and status privileges due to their relatively elite position within global structures the reality for a good number of the lifestyle migrants falls short of their prior expectations. They are subject to particular kinds of socio‐structural marginaliszation as a consequence of the character of their migration, and they find themselves relatively isolated and facing a distinct range of challenges. A comparison with research into various groups of migrants to the USA brings into relief the specificities of the socio‐structural positioning of the lifestyle migrants of the study. Those East Asian migrants who express the greatest sense of ease and contentment seem to be those who have responded creatively to the specific challenges of their socio‐structural situation. Often, this appears to have been achieved through understated but active involvements with their new settings and through sustaining focused transnational connections and relationships.     

An effective programme is not enough: a review of factors associated with poor attendance and engagement with parenting support programmes

The provision of parenting support is a key feature of wealthier nations’ health and social care services. However, attendance and engagement by the neediest parents remains poor. Barriers experienced by parents include personal life factors (beliefs, lifestyles and limited resources) and programme‐specific factors (delivery, content and support arrangements). Here we give consideration to these issues, drawing on published reviews of parenting programme effectiveness identified through a comprehensive search of electronic databases. We suggest ways of improving attendance and engagement, by providing programmes as part of a comprehensive framework of family support.     

When naloxone alone isn't enough: Deaths in year after ED OD visits

When patients are treated for nonfatal opioid overdose in the emergency department (ED) and discharged, they have a high risk of death — 67% of the time from another overdose within the next year, and especially within the next two days — new research has found. Being offered medication such as buprenorphine, counseling and referral to treatment by the ED before discharge could reduce that risk, the researchers concluded.     

When is a goal rational?

In decision theory goals are usually taken as given inputs to the analysis, and the focus is on finding the most efficient means to achieve the goals. But where goals are set with the purpose of achieving them, it is important to know what properties they should possess in order to be successful (or achievement-inducing). Four such properties (or rationality criteria) are discussed, namely that goals should be precise, evaluable, approachable and motivating. Precision and evaluability are epistemic properties that concern what the agent may know. Approachability is an ability-related property that concerns what the agent can do. Motivity is a volitional property that concerns what the agent wants to do. Goals may satisfy the rationality criteria to a greater or lesser extent. Some goals are achievement-inducing mainly because they guide action towards the end-state well, others mainly because they motivate the agent to act towards the realization of the end-state.     

When winning is the only thing: pure strategy Nash equilibria in a three-candidate spatial voting model

It is well known that there are no pure strategy Nash equilibria (PSNE) in the standard three-candidate spatial voting model when candidates maximize their share of the vote. When all that matters to the candidates is winning the election, however, we show that PSNE do exist. We provide a complete characterization of such equilibria and then extend our results to elections with an arbitrary number of candidates.     

When equitable is not equal: experimental evidence on the division of marital assets in divorce

Upon divorce, marital assets in most U.S. states are divided equitably, often with the underlying legal purpose of equalizing outcomes. To examine whether     

Successful prevention may not be enough: A case study of how managing a threat triggers a threat

This case study examines student perceptions of a university's management of an alleged threat against their campus that was posted on Facebook. The timeline of events describes how the university's threat prevention response triggered a rumor crisis due to incomplete and poorly timed official information dissemination. A convenience sample of students completed questionnaires assessing perceptions of informal and formal communication about the alleged threat, satisfaction with threat prevention, and perceptions of the emergency text message system. Satisfaction with the university's response varied by students’ feelings of information adequacy. Some students resisted registering for the emergency notification system.     

Reducing turnover is not enough: The need for proficient organizational cultures to support positive youth outcomes in child welfare

Objective

High caseworker turnover has been identified as a factor in the poor outcomes of child welfare services. However, almost no empirical research has examined the relationship between caseworker turnover and youth outcomes in child welfare systems and there is an important knowledge gap regarding whether, and how, caseworker turnover relates to outcomes for youth. We hypothesized that the effects of caseworker turnover are moderated by organizational culture such that reduced caseworker turnover is only associated with improved youth outcomes in organizations with proficient cultures.

Methods

The study applied hierarchical linear models (HLM) analysis to the second National Survey of Child and Adolescent Well-being (NSCAW II) with a U.S. nationwide sample of 2346 youth aged 1.5- to 18-years-old and 1544 caseworkers in 73 child welfare agencies. Proficient organizational culture was measured by caseworkers' responses to the Organizational Social Context (OSC) measure; staff turnover was reported by the agencies' directors; and youth outcomes were measured as total problems in psychosocial functioning with the Child Behavior Checklist (CBCL) completed by the youths' caregivers at intake and at 18-month follow-up.

Results

The association between caseworker turnover and youth outcomes was moderated by organizational culture. Youth outcomes were improved with lower staff turnover in proficient organizational cultures and the best outcomes occurred in organizations with low turnover and high proficiency.

Conclusions

To be successful, efforts to improve child welfare services by lowering staff turnover must also create proficient cultures that expect caseworkers to be competent and responsive to the needs of the youth and families they serve.     

Schools alone are not enough: after-school programs and education reform in Boston

Boston's efforts to expand after-school programs and build their capacity to support the standards-based education reforms of the city's public schools are explored.