Compulsive buying: Does it matter how it’s measured?

The primary purpose of the present study is to compare and contrast the validity and reliability of the Faber and O’Guinn [Faber, R. J., & O’Guinn, T. C. (1992). A clinical screener for compulsive buying. Journal of Consumer Research, 19, 459–469] and Edwards [Edwards, E. A. (1993). Development of a new scale for measuring compulsive buying behavior. Financial Counseling and Planning, 4, 67–84] compulsive buying scales within a nomological network. Although both psychometric scales were designed to measure compulsive buying, the two instruments appear to be distinct in how they conceptualize the compulsive buying phenomenon. The seven-item compulsive buying scale developed by Faber and O’Guinn (1992) is the most commonly used scale for measuring compulsive buying. The Edwards scale in contrast is not as well-known. Empirical results of the present study suggest that the two compulsive buying scales may be capturing either separate constructs, or different dimensions of the same compulsive buying construct. Edwards (1993) compulsive buying scale, for instance, is correlated with materialism but not with attitudes toward money while the Faber and O’Guinn scale is not correlated with materialism but is correlated with attitudes toward money. The present study’s results suggest, among other things, that it does in fact appear to matter how compulsive buying is measured.     

Demographics, attitude, personality and credit card features correlate with credit card debt: A view from China

With the help of a commercial bank in China, we studied consumer credit card debt behavior² in correlation with demographics, attitude, personality, and credit card features factors. The study was conducted by using mail-in questionnaires, which were sent to credit card holders who was using or had used either revolving credit or petty installment plans. According to regression functions, we found that demographic variables and credit card features had limited explanatory power compared to attitude variables and personality variables. Specifically, we found that revolving credit use and petty installment use were closely related to attitudes about credit cards, money and debt. Risk attitude efficiently predicted petty installment use; however, it did not correlate with revolving credit use. Personality factors of self-control, self-esteem, self-efficacy, deferring gratification, internal locus of control and impulsiveness were significantly correlated with revolving credit use; on the other hand, sensation seeking, impulsiveness, and deferring gratification were correlated with petty installment use. We also found that some credit card features easily led to an “illusion of income” that facilitated consumer credit card debt behavior.     

Changing College Students’ Financial Knowledge, Attitudes, and Behavior through Seminar Participation

This pilot study examined the influence of Credit Wise Cats, a financial education seminar presented by Students in Free Enterprise, on the attitudes, knowledge, and intentions toward financial responsibility of college students (N = 93). Findings suggest that the seminar effectively increased students’ financial knowledge, increased responsible attitudes toward credit and decreased avoidant attitudes towards credit from pre-test to post-test. At post-test, students reported intending to engage in significantly more effective financial behaviors and fewer risky financial behaviors. Finally, demographic factors (e.g., gender and employment status) predicted students’ financial knowledge, attitudes, and behaviors. These results suggest that a seminar format may be useful in reaching a wider audience of college students and, thus, warrants future longitudinal evaluation.

Imagined interactions,family money management patterns and coalitions,and attitudes toward money and credit

This study explores the imagined interactions college students have with their parents about money and credit, their attitudes toward credit and money, the ways they say their parents deal with financial decisions, and the communication coalitions regarding finances they perceive existing within their family. Students’ imagined interaction pleasantness is greatest when parents jointly form a plan for paying off credit card debt and lowest when parents argue. When family coalitions exist, students report more frequent imagined interactions. Imagined interaction frequency and pleasantness are related to credit and money attitudes.

Family income and attitudes toward older people in China: comparison of two age cohorts

Three hundred and five traditional college students and 159 baby boomers (40–55 years old) in China participated in the study with Kogan’s Attitude toward Old People [Kogan (1961) Journal of Abnormal and Social Psychology, 62(1), 44–54] being used. Results from ANOVA showed overall, baby boomers held more positive attitudes toward older people than college students. There was a significant interaction effect between cohorts and family income; that is, the lower family income group in both samples did not differ significantly from each other, it was in the higher family income group that difference was revealed. Baby Boomers in the higher family income group held more positive attitudes toward older people than students in the same family income group. Gender was not a significant factor in either sample. Stepwise regression analyses revealed that family income was a significant predictor of attitude in the Baby Boomer sample, but not in the college student sample.     

College Students and Credit Card Use: The Role of Parents, Work Experience, Financial Knowledge, and Credit Card Attitudes

This study examined the influence of parental interactions, years of work experience, financial knowledge, credit card attitudes, and personal characteristics on college students’ credit card behaviors (i.e., number of cards and amount of debt). Based on data collected across seven universities (N = 413), we found that students who had parents who argued about finances, were juniors/seniors, and were comfortable making minimum payments were the most likely to have $500 or more in credit card debt and two or more credit cards. In addition, number of credit cards held was the only dependent variable influenced by gender and fear of credit cards. These results highlight the importance of early interventions in the life of college students including involving parents as positive role models.     

All glamour, no substance? How public relations majors and potential majors in an exemplar program view the industry and function

Studies in public relations often conclude that the field is misunderstood [Kopenhaver, L. L. (1985). Aligning values of practitioners and journalists. Public Relations Review, 11(1), 34–42; Stacks, D. W., Botan, C., & Turk, J. V. (1999). Perceptions of pubic relations education. Public Relations Review, 25, 9–29] and misrepresented in media [Spicer, C. (2000). Public relations in a democratic society: Value and values. Journal of Public Relations Research, 12(1), 115–130]. Public relations professionals themselves often do not know what is involved in or support public relations education [Wright, D. K., & Turk, J. V. (2007). Public relations knowledge and professionalism: Challenges to educators and practitioners. In E.L. Toth (Ed.), The future of excellence in public relations and communication management: Challenges for the next generation (pp. 571–588). Mahwah, NJ: Lawrence Erlbaum]. Both the special issue (Public Relations Review, 1999) on public relations education and a following study published in this journal [Bowen, S. A. (2003). I thought it would be more glamorous: Preconceptions and misconceptions of public relations among students in the principles course. Public Relations Review, 29, 199–214] argued that public relations majors often do not realize what is involved in the academic discipline or the professional field. This research builds on the findings of those studies to ask: are public relations educators doing any better in communicating the core competencies, responsibilities, knowledge requirements, skills, and abilities of the discipline and the public relations major? Through the use of 10 focus groups across majors at a top research university, we can see that little is known about public relations among non-majors, but public relations majors can articulate the requirements and functions of the field. Several primary areas of confusion emerged about public relations related to: marketing or promotion, spinning the truth, image, and public relations as a career choice. These ideas show a critical lack of transparency in public relations. Credibility of the public relations function is hampered by this failure to communicate about the functions and core competencies of the field. Implications for both the public relations practice and for public relations education are discussed.     

Alcohol’s Effects on Video Lottery Terminal (VLT) Play Among Probable Pathological and Non-Pathological Gamblers

This study tested whether alcohol increases behaviors associated with video lottery terminal (VLT) play, particularly among probable pathological gamblers. Forty-four regular VLT players were designated either probable pathological gamblers or non-pathological gamblers on the basis of scores on the South Oaks Gambling Screen (SOGS); [Lesieur & Blume (1997). American Journal of Psychiatry, 144, 1184–1188] Gamblers from each SOGS category were randomly assigned to either a moderately intoxicating alcohol dose or a control beverage condition (n = 11 per cell in the 2 × 2 between-subjects design). Following beverage consumption and absorption, participants played a video poker VLT game for up to 30 minutes. Four behaviors were measured: “power-bets” (doubling bet after viewing only two cards of the five-card poker hand); total money spent; mean bet magnitude; and number of minutes played. Alcohol increased time spent playing and rate of power-bets, particular among the probable pathological gamblers. Post hoc analyses revealed that alcohol also influenced the proportion of losing hands played––increasing them among the probable pathological gamblers while decreasing them among the non-pathological gamblers. Clinical and policy implications of the findings are discussed.     

Credit Card Ownership Among American High School Seniors: 1997–2008

The purpose of this study is to investigate the rise in credit card ownership rates among high school seniors in the United States. It uses the Jump$tart Coalition’s cross-sectional surveys from 1997 to 2008 to analyze the determinants of credit card ownership among high school seniors. These results show that students with credit cards are less financially literate than students without credit cards; and students with credit cards in their own names are almost twice as likely to work during the school year for money. These findings help make a case for improved financial education and training, and institutional changes that limit the pervasive issuance of credit cards to high school students.     

Injunctive Norms and Problem Gambling among College Students

Two studies examined the relationships among injunctive norms and college student gambling. In study 1 we evaluated the accuracy of perceptions of other students’ approval of gambling and the relationship between perceived approval and gambling behavior. In study 2 we evaluated gambling behavior as a function of perceptions of approval of other students, friends, and family. In study 1, which included 2524 college students, perceptions of other students’ approval of gambling were found to be overestimated and were negatively associated with gambling behavior. The results of study 2, which included 565 college students, replicated the findings of study 1 and revealed positive associations between gambling behavior and perceived approval of friends and family. Results highlight the complexity of injunctive norms and the importance of considering the reference group (e.g., peers, friends, family members) in their evaluation. Results also encourage caution in considering the incorporation of injunctive norms in prevention and intervention approaches.     

Soccer, civil religion, and public relations: Devotional–promotional communication and Barcelona Football Club

The aim of this article is to provide a public relations perspective on the civil religion phenomenon through a study of Barcelona Football Club (BFC) as an institution and its public relations efforts. We believe that BFC can be seen as a form of civil religion that uses a devotional–promotional communication model which sets forth, upholds and reinforces relations with “faithful supporters”. The paper links to three main contributions: the work of [Salvador, J. (2004). Futbol, metàfora d’una guerra freda: Un estudi antropològic del Barça. Barcelona: Proa.] on anthropological approach to BFC, [Giner, S. (2003). Carisma y razón. Madrid: Alianza] on civil religion and its communicative dimension, and [Tilson, D. J. (2006). Devotional–promotional communicationa and Santiago: A thousand-year public relations campaign for Saint James and Spain. In J. L’Etang & M. Pieczka (Eds.), Public relations: Critical debates and contemporary practice (pp. 167–184). Mahwah, NJ: Lawrence Erlbaum.] on devotional–promotional communication. Thus, this article advances a public relations approach to civil religion.     

Tax evasion, tax morale and policy maker's effectiveness

This paper aims to show that aggregate tax evasion may be largely explained by tax morale and that tax morale is dependent on the taxpayers’ intrinsic attitudes to honesty and social stigma. The theoretical hypothesis is that these attitudes are influenced by the taxpayers’ perceptions of the size of tax evasion as well as by their perceptions of the policy maker's effectiveness in exercising control over the relevant macroeconomic variables and safeguarding the interests of citizens. Applying Gordon's [Gordon, J.P.F., 1989. Individual morality and reputation costs as deterrents to tax evasion. European Economic Review 33(4), 797–805] framework, a dynamic model of aggregate tax evasion is proposed whereby multiple equilibria may emerge. Econometric analysis on Latin American countries supports the assumptions made in the model.     

Fulfilling the dialogic promise: A ten-year reflective survey on dialogic Internet principles

A decade ago, using the dialogic theory of public relations as the theoretical framework, Kent and Taylor [Kent, M. L., & Taylor, M. (1998). Building a dialogic relationship through the World Wide Web. Public Relations Review, 24, 321–340; Kent, M. L., & Taylor, M. (2002). Toward a dialogic theory of public relations. Public Relations Review, 28, 21–37] provided a strategic framework to facilitate relationships with publics though the World Wide Web. Based on a review of research exploring Web-based public relations practices drawing on Kent and Taylor's theoretical framework, this essay offers a ten-year reflective survey on past, current, and future directions of Kent and Taylor's Internet principles, as they relate to the dialogic theory of public relations.     

Managing a nation's image during crisis: A study of the Chinese government's image repair efforts in the “Made in China” controversy

The image of a nation is crucial in the conduct of international relations (Wang, J. (2006). Managing national reputation and international relations in the global era: Public diplomacy revisited. Public Relations Review, 32, 91–96). A favorable image plays a critical role in asserting one's influence (Benoit, W. L., & Brinson, S. L. (1994). AT&T: “Apologies are not enough”. Communication Quarterly, 42, 75–88; Wang, J. (2006). Managing national reputation and international relations in the global era: Public diplomacy revisited. Public Relations Review, 32, 91–96). Often, strategic communication tools like public relations and media diplomacy are used to enhance a nation's image (Giffard, A., & Rivenburgh, N. K. (2000). News agencies, national images, and global media events. Journalism Quarterly, 77, 8–21). In 2007, China's reputation as “the workshop of the world” (Gaulier, G., Lemoine, F., & Unal-Kesenci, D. (2005). China: A workshop of the Cd and a market for Europe. At: http://ideas.repec.org/a/cii/cepill/2005-245.html. Accessed on 14 May 2009) came under severe threat with a series of product recalls. This was arguably the first time that allegations of product deficiencies were targeted at a country. Using the image repair theory, this paper examined the strategies used and the image these strategies generated for China. Findings showed that the initial defensive strategies generated an image of a hurried and harried country. After it was willing to confront the crises through corrective action, a surer and more determined image emerged.     

Perceptions of and Reactions to the Homeless: A Survey of Fourth-Grade,High School,and College Students in a Small Midwestern Community

A total of 459 fourth-graders, high school students, and undergraduates completed a Homelessness Questionnaire developed for use in this study. Although participants generally expressed positive and supportive attitudes toward the homeless, attributing homelessness to either social maladjustment (e.g., drug problem) or negative characteristics (e.g., laziness) within the homeless was positively associated with “fear of and anger toward the homeless” for all groups of participants. In addition, perceptions of and reactions to the homeless were influenced by both the participants’ gender and age group. Although high school and college students’ interest in helping the homeless was associated with various attitudes and reactions (e.g., feelings of sympathy/support), their indication that they had ever helped homeless people (either directly or indirectly) was consistently associated only with the acknowledgment that their mother and father had ever helped homeless people (either directly or indirectly). Among these older participants, homelessness in the United States was rated as a more serious problem at the end of the questionnaire than at the beginning.     

Measurement invariance matters: A case made for the ORTOFIN

In this paper, it is argued that the measurements of an underlying, latent variable cannot straightforwardly be used in group comparisons without testing whether the measurements relate to the latent variable in the same way for all groups. The procedure for testing this is discussed and is illustrated by assessing measurement invariance across groups with a different socio-economic status (SES) for the ORTOFIN, a scale measuring an individuals’ orientation toward finances [Loix, E., Pepermans, R., Mentens, C., Goedee, M., & Jegers, M. (2005). Orientation toward finances: Development of a measurement scale. The Journal of Behavioral Finance, 6, 192–201]. The results show that one factor of the ORTOFIN, i.e. ‘‘financial information”, is invariant across SES groups while ‘‘personal financial planning” lacks measurement invariance. Implications of these results are discussed.     

Attitudes and Saving in Individual Development Accounts: Latent Class Analysis

This exploratory study focuses on classifying attitudes toward institutional features of Individual Development Accounts (IDAs). The study also examines the extent to which attitudes change and how they are associated with saving in IDAs. While attitudes toward IDAs were generally positive, latent class analysis (LCA) found three groups at Wave 3: highly positive, moderately positive, and mixed opinion. The study found dynamic changes in attitudes at 18 months and 48 months after the baseline interview. While 63% of participants showed no changes in attitudes, 22% changed their attitudes negatively and 15% positively. Participants with highly positive attitudes at both 18 months and 48 months had significantly more savings than participants without highly positive attitudes, suggesting that attitudes may influence saving outcomes in IDAs.

Attitudes towards European Monetary Union in Greece: Antecedents, strength and consequences

The objective of the present study was twofold: First, to examine Greek people's attitudes towards European Monetary Union (EMU) and to explore the antecedents, strength and consequences of these attitudes on intentions to support or oppose the single European currency. Second, and from a more theoretical perspective, to investigate the structure of attitude strength and the effects of strength dimensions on attitude–intention consistency. A total of 644 Greek citizens participated in the study. The findings indicate that Greeks are fairly supportive of the monetary union and are quite optimistic about its consequences. The anticipated outcomes of EMU for Greece and for Europe were found to be significant determinants of attitudes. In addition, attitudes were determined by the strength of national identity and by the more general attitudes towards the membership of Greece in the European Union. On the whole, attitudes were fairly strong and had a substantial relation with intentions. Attitude strength was found to consist of three dimensions: Embeddedness, Conviction and Internal Consistency. Only Conviction and Internal Consistency were found to have a significant moderating effect on the attitude–intention relation. Further, the moderating effect of these factors was interactive, in that either high Conviction or high Internal Consistency sufficed to make an attitude influential.     

Sensation-Seeking,Risk-Taking,and Problematic Financial Behaviors of College Students

College students are at especially high risk for serious financial problems due to easy availability of credit cards, rising tuition, and a declining economy. Arnett (Am Psychol 55:469–480, 2000) proposed 18–25 year olds may be considered emerging adults and are characterized by less stable financial situations than those who perceive themselves to be adults. A survey was given to 450 students at two Mississippi universities. The results showed student financial behaviors were related to age, gender, public assistance, adult status, sensation-seeking, and potential for problem gambling. This study is unique in that it investigated the relationship of emerging adult/adult status and other individual and socio-demographic variables to financial behaviors among college students, a conceptualization that has not been explored in the past.