Parental Socialization and Financial Capability Among Chinese Adolescents in Hong Kong

The financial capability of adolescents is important because it establishes cognitive and behavioral patterns that enable them to manage their financial resources in later life. Analyzing the data collected in a sample of 946 adolescent Chinese students from Hong Kong (55.7% female, mean age?=?14.5, range 12–18 years), the present study found parental socialization (i.e., direct parental teaching and parental financial norms) influenced adolescents’ financial behavior through via financial learning outcomes (i.e., subjective financial knowledge, adoption of modeled parental financial behavior, and objective financial knowledge) and financial attitudinal variables (i.e., perceived behavioral control and financial attitude). The findings suggest parents should intentionally teach financial knowledge, and convey clear and positive financial norms to adolescents.     

“I didn't know you could just ask:” Empowering underrepresented college-bound students to recruit academic and career mentors

This study investigates a new approach to cultivating mentoring relationships in which adolescents participate in workshops to develop their capacity to recruit mentors and other supportive adults who can help advance their academic and career goals. Drawing on in-depth pre- and post- interviews, research observations, and participant feedback and workshop materials from a pilot intervention conducted with 12 ethnic minority students in their senior year of high school, this study explores whether and how the intervention influenced participants, as well as mechanisms of change. Results suggested that the intervention increased the value students placed on social capital and mentoring relationships, developed their knowledge, skills, and self-efficacy in how to develop such connections, and influenced their interactions with potential academic and career mentors. Although additional research is needed, this study highlights the potential of a relatively low-cost intervention to support underrepresented college-bound students in developing relationships that are crucial to college and career success.     

Impact of Postdivorce Sibling Structure on Adolescent Adjustment to Divorce

A sample (N = 222) of middle school, high school, and college students were surveyed with regard to their adjustment to their parents’ divorces in specific domains, including coparenting, financial strain, and overall adjustment. With time since the divorce covaried, youth living with half-siblings, stepsiblings, or both (HSS) rated their experiences consistently more positively than youth living with full biological siblings only (FBS). HSS youth reported stronger perceptions that life has gotten better, parents are working together to raise them, and there are no lingering financial effects. There were no main effects for age, but an interaction of sibling structure and gender found male adolescents in the FBS group sometimes had more negative ratings than any of the other groups. Our findings contrast with prior studies suggesting that HSS youth do not adjust as well as FBS youth.     

Financial literacy education: An opportunity for colleges and sociology

Financial literacy represents the knowledge necessary to manage one's financial affairs in a way that contributes to overall wellbeing, yet financial literacy and financial education are understudied in sociology. While emerging adults have low rates of financial literacy overall, this article focuses on college students due to increasing college access and student loan debt. Based on the limited literature that assesses college financial literacy education, it appears that these types of programs may serve to advance college students' financial knowledge. Additional mechanisms that serve to develop college students' financial literacy include parent socialization, banking experience, and high school financial education programs. However, not everyone has the same access to these resources. Thus, given the magnitude of the US student debt crisis and persistent economic inequalities, college financial literacy education may prove beneficial for all students, particularly those from economically vulnerable backgrounds. This article serves as an invitation to sociologists to consider financial literacy education as both a worthwhile pursuit in application and as a research topic.     

Streptococcal Pharyngitis in Infectious Mononucleosis

Abstract

In a study of infectious mononucleosis among college students and adolescents the incidence of beta-hemolytic streptococcal pharyngitis was found to be significantly higher–23 of 88 college students (28%) and 12 of 25 adolescents (48%), as compared to a control group of the same age and sex who were seen at the same time for unrelated, noninfectious problems–9 of 88 college students (10%) and 4 of 25 adolescents (16%). The stress effect of having infectious mononucleosis is suggested as a possible explanation for the increased incidence of beta-streptococcal pharyngitis in the affected groups.     

Financial Knowledge and Credit Card Behavior of College Students

This study examined the relationship between financial knowledge and credit card behavior of college students. The widespread availability of credit cards has raised concerns over how college students might use those cards given the negative consequences (both immediate and long-term) associated with credit abuse and mismanagement. Using a sample of 1,354 students from a major southeastern university, results suggest that financial knowledge is a significant factor in the credit card decisions of college students. Students with higher scores on a measure of personal financial knowledge are more likely to engage in more responsible credit card use. Specific behaviors chosen have been associated with greater costs of borrowing and adverse economic consequences in the past.     

HIV knowledge mediates the relationship between HIV testing history and stigma in college students

ABSTRACT

Objective: HIV-related stigma is one of the strongest barriers to prevention and treatment. HIV prevalence in U.S. college students is estimated around 0.02%, but is thought to be drastically underreported. We examined the influence of HIV knowledge on the relationship between HIV testing history and stigma in college students. Participants: A random sample of 2343 students, over the age of 18, attending a large university in the southeastern United States completed the survey in January 2016. Methods: A mediation model was constructed in regression framework to explore the relationship between HIV testing history, knowledge, and stigma. Results: HIV testing history was associated with higher knowledge scores (a path: B = 4.08, p < .001) and higher knowledge scores were associated with lower stigma (b path: B = .01, p < .001). These results suggest that HIV knowledge partially mediates the relation between HIV testing history and stigma in college students. Conclusions: HIV testing history may decrease stigma by increasing knowledge. Results can be used to inform college health promotion practice on developing programs and services.     

College knowledge: a critical component of college and career readiness

Policy has traditionally emphasized the completion of academic requirements as the gateway to postsecondary education. There is, however, growing understanding that youth need to develop a wide range of knowledge, skills, abilities, and personal resources for career success, civic engagement, and lifelong learning. It also is necessary to address the social, informational, and financial barriers to college that many first-generation and low-income youth come up against. Allowing youth to participate in programs that provide access to college campuses and classes, through dual or concurrent enrollment, early college models, or expanded learning opportunities, is an effective way to help students gain college knowledge and see themselves as college students. This article offers an expanded definition of college and career readiness and profiles three programs drawn from a larger review of twenty-three programs designed to support college and career success for students from underrepresented groups.     

Impact of inflated perceptions of financial literacy on financial decision making

We examine whether inflated perceptions of financial literacy affect financial decision making. Gaps between objective financial literacy and self-reported (perceived) financial literacy (blind spots) predict 19 financial behaviors better than age, gender, income, ethnicity, marital status, self-employment status, and general education levels. Only two predictors, perceived financial literacy and financial education, carried similar levels of predictive power on financial behaviors. Those with inflated perceptions of financial literacy are more likely to miss mortgage payments, receive a collection call, use informal debt, and have poor banking behavior. Those without blind spots make better financial decisions. The differences between those with and without blind spots are more pronounced among individuals with higher education and income.     

The Financial Literacy of Social Work Students

The financial literacy of social work students has become the focus of curriculum development and research, but no study to date has attempted to assess the financial knowledge possessed by social work students. This study addressed that gap by assessing the level of objective financial knowledge reported by social work student respondents (N?=?1,506) to an Internet-based survey. Results indicated that the majority of social work student respondents scored more than 70% correct on a 48-item measure of financial literacy. Multiple regression analysis explained 33.7% of the variance and suggested that the dominant pathway to acquiring objective financial knowledge is through personal experience. Accordingly, financial education programs for social work students may be most appropriate for traditional undergraduates.     

大学生创业恐惧心理现状及对策

大学生对待创业的态度是积极的,但是大多数学生没有进行创业实践。创业恐惧心理已经成为阻碍大学生进行自主创业实践的重要因素。大学生创业成功率低、缺乏对自身创业能力的客观评估、缺少有效的创业支持系统和缺失宽松的创业环境等原因导致了大学生创业恐惧心理的产生。高校要以培育创新创业精神为理念,实施大学生创业教育;通过鼓励大学生参与创业计划大赛,积累实战经验。社会要以政府社会力量为依托,建立大学生创业保障体系;建立进取包容的创业文化,优化大学生创业环境。     

HEADS UP! A nested intervention with freshmen male college students and the broader campus community to promote responsible drinking

The National Institute on Alcohol Abuse and Alcoholism developed several guidelines for effective interventions in dealing with problematic college student drinking, including targeted individual interventions paired with broader campus community involvement. The project Heads UP! combines these suggestions in an effort to intervene with high-risk first-year male college students. The objective of the program is to reduce campus alcohol-related negative events and prevent these high-risk students from developing dangerous drinking patterns throughout college. The project provides an environment that supports students in actively following the goals outlined by the intervention, and it actively impacts the overall campus by helping students make responsible drinking decisions. Promising results are forthcoming, and the authors encourage other universities to design and adopt similar campus-supported programs nested within the broader campus community that target high-risk populations on campus.     

Financial Behaviors and Financial Well-Being of College Students: Evidence from a National Survey

The purpose of this study is to explore the relationship between financial behaviors and financial well-being of college students when controlling demographic and financial characteristics, financial education and financial dispositions. Data (N = 15,797) was collected from college students age 18 and over via an online survey from 15 college campuses throughout the United States during spring and fall of 2008. Results of means comparisons showed significant differences on the financial well-being level by various socioeconomic factors and financial behaviors. In addition, regression analysis showed that budgeting, saving, risky credit card behaviors, and compulsive buying were significantly related to financial well-being when controlling for demographic information, financial characteristics, financial education, and financial dispositions.     

Economic Well-being and Ageing: The Need for Financial Education for Social Workers

This paper explores the importance of financial education for social workers who are often working with individuals and families who are financially vulnerable and who frequently have little financial knowledge. This may be particularly relevant in light of the recent global recession and the negative impact this has had for many in terms of increased living costs and decreased income. Older people may be particularly vulnerable to the economic fluctuations caused by the recession, yet they may be disadvantaged further by poor understanding of the impact of finances on well-being from social care agencies, and a paucity of information and advice to enable them to develop improved financial literacy. This may be compounded further by increasingly strict eligibility criteria, which restrict access to services, leading to increasing numbers of older people who need to fund their own care. The objective of this paper is to highlight the need for students and practitioners to develop their own financial literacy skills so as to better enable them to support those that they work with. The discussion considers the usefulness of the ‘asset vulnerability framework’ devised by Moser in assessing the economic well-being of older people and its applicability within social work education and practice.     

The Role of Acceptance of Violence Beliefs and Social Information Processing on Dating Violence Perpetration

This study's main objective was to explore whether beliefs legitimizing dating violence predict dysfunctional social information processing (SIP) when adolescents deal with ambiguous dating situations, and whether this more proximal cognitive processing acts as a mediator between acceptance of violence beliefs and dating violence perpetration. Participants were 855 high school students who completed self‐report measures at three time points, with a 1‐year interval between them. SIP did not act as a mediator, but the emergence of anger emotions in dating conflict situations, along with aggression‐justifying beliefs, were revealed as essential in explaining dating violence. Previous aggression also explained a subsequent higher anticipation of positive consequences for aggressive acts. We discuss the implications for prevention and treatment strategies with adolescents.     

Self-esteem,financial knowledge and financial behavior

Financial knowledge is an important but insufficient driver of responsible financial behavior. Having a positive evaluation of oneself may also be essential for individuals to initiate and persist with the daunting process of financial management. In this study, we distinguish subjective financial knowledge from objective financial knowledge, and we propose that self-esteem relates to financial behavior both directly as well as indirectly through subjective financial knowledge. Results based on a nationally representative dataset of U.S. adults suggest that self-esteem significantly relates to individual financial behavior after controlling for financial knowledge and other socioeconomic factors. The association between self-esteem and financial behavior could be both direct and indirect through subjective financial knowledge. These findings highlight the importance of psychological traits such as self-esteem in explaining financial behavior difference. Its implications are discussed.     

Development of a fostering purpose intervention

Evolutionary Evaluation is a framework for understanding the evolution of programs. Just as programs grow and develop, so can standalone interventions. This paper focused on building and evaluating a purpose intervention to scaffold adolescents and young adults’ search for purpose. Four studies were conducted at each phase of the intervention’s lifespan to assess if modifications were needed and to test the viable validity of using online activities to increase both the search for and the discovery of a purpose in life. These studies can be viewed through the lens of the Evolutionary Evaluation framework. Study 1 evaluated the intervention at its initiation phase, which consisted of developing and testing the intervention activities. Study 2 tested the intervention during the development phase to determine which activities most effectively increased rates of purpose. Study 3 evaluated the intervention in its stability phase by experimentally testing all activities together in a full curriculum via Amazon’s Mechanical Turk. Finally, study 4 assessed the dissemination of the intervention by testing the full curriculum with over 500 high school and college students. These studies suggest that the fostering purpose intervention cultivated purpose among adolescents and young adults. Additionally, the success of the intervention demonstrates that the Evolutionary Evaluation framework may be an effective model with which to develop an intervention, from initiation through dissemination phases.     

Service learning from the supply side: Community capacity to engage students

The rapid increase in the use of service learning raises important public policy questions about who is being served and whether partner agencies have the capacity to meet student demand for community‐based experiences. This article uses a large sample of nonprofit organizations and a comparative framework to examine the characteristics of partner agencies and the scope and nature of college student community involvement. Multivariate analysis tests these factors on a community agency's ability to engage more students, particularly service learners. The findings are generally optimistic about agency willingness to involve students, suggesting widespread community benefits from their involvement. While organizational size and capacity predict current student engagement, an agency's past experience with students and its perceptions of student benefits have the greatest impact on its willingness to take on future students.     

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.     

The Role of High School Connections to Colleges in Adolescents' Transitions to Higher Education

With most adolescents now aspiring to graduate from college, assisting students in making the transition has become a key institutional function of high schools. Information about the application process is especially important for college entrance as admissions criteria are localized. Gaining access to information is one of the most important benefits of social capital. This study asks whether high schools with more connections to colleges are more successful in helping their students gain admission to college and, in particular, to selective four-year colleges. This study investigates the effects of having connections to colleges at a high school on students' college entry. This study also shows that actions taken by individual families bring about a contextual effect of a high school on the college selectivity that students attended in the same high school. These effects also mediate the relationship between school socioeconomic composition and enrollment in selective colleges.