The Influence of Parental Financial Socialization on Youth’s Financial Behavior: Evidence from Ghana

How youth manage their money may influence their transitions to adulthood. This may be particularly true for youth in sub-Saharan Africa (SSA), where many youth and young adults lack access to economic opportunities. Parental financial socialization is associated with youth financial knowledge, attitudes, and behavior in research studies conducted mostly in the US, yet little is known about the financial lives of youth living in SSA. Propensity score analysis and robust standard errors with multiple regression were used to examine the relationship between parental financial socialization and youth financial behaviors among a sample of 3,623 youth ages 12–19 and a parent or other adult guardian living in eight out of 10 regions of Ghana. Findings indicated that both parent- and youth-perceived parental financial socialization was a strong and consistent predictor of youth financial behaviors, as was receipt of earned income. Practitioners interested in empowering youth through financial education and inclusion programs might consider how to involve parents and other family members in programs and capitalize on opportunities for youth to have some earned income while they learn how to manage money.     

Effects of physical,virtual reality-based,and brain exercise on physical,cognition, and preference in older persons: a randomized controlled trial

Background

Physical exercise (PE), virtual reality-based exercise (VRE), and brain exercise (BE) can influence physical and cognitive conditions in older persons. However, it is not known which of the three types of exercises provide the best effects on physical and cognitive status, and which exercise is preferred by older persons. This study compared the effects of PE, VRE, and BE on balance, muscle strength, cognition, and fall concern. In addition, exercise effort perception and contentment in older persons was evaluated.

Methods

Eighty-four older persons (n?=?84) were randomly selected for PE, VRE, BE, and control groups. The exercise groups received 8-week training, whereas the control group did not. Balance was assessed by Berg Balance Scale (BBS) and Timed Up and Go test (TUG), muscle strength by 5 Times Sit to Stand (5TSTS) and left and right hand grip strength (HGS), cognition by Montreal Cognitive Assessment (MoCA) and Timed Up and Go test Cognition (TUG-cog), fall concern by Fall Efficacy Scale International (FES-I), exercise effort perception by Borg category ratio scale (Borg CR-10), and exercise contentment by a questionnaire.

Results

After exercise, PE significantly enhanced TUG and 5TSTS to a greater extent than VRE (TUG; p?=?0.004, 5TSTS; p?=?0.027) and BE (TUG; p?=?0,012, 5TSTS; p?<?0.001). VRE significantly improved MoCA (p?<?0.001) and FES-I (p?=?0.036) compared to PE, and 5TSTS (p?<?0.001) and FES-I (p?=?0.011) were improved relative to BE. MoCA was significantly enhanced by BE compared to PE (p?<?0.001) and both MoCA and TUG-cog were improved compared to VRE (p?=?0.04). PE and VRE significantly (p < 0.001) increased Borg CR-10 in all exercise sessions, whereas BE showed a significant improvement (p?< 0.001) in the first 4 sessions. Participants had a significantly greater satisfaction with BE than controls (p?=?0.006), and enjoyed VRE and BE more than PE (p?< 0.001). Subjects in all exercise groups exhibited benefits compared to the control group (p?< 0.001).

Conclusions

PE provided the best results in physical tests, VRE produced measurable improvements in physical and cognition scores, while BE enhanced cognition ability in older persons. Older persons preferred VRE and BE compared to PE. Both exercises are suggested to older persons to improve physical and cognitive conditions.

     

I Wish: Multigenerational Regrets and Reflections on Teaching Children About Money

Millennials are struggling to meet current financial challenges. As we strive to improve financial capability in future generations, it is important that we look to the primary source of financial education: parents. This qualitative, multigenerational study explored what Millennials and their parents and grandparents (N?=?153) wish they had been taught about finances by their parents, as well as what parents and grandparents wish they had taught their children. Thematic content coding of the interviews revealed three core “I Wish” themes: “Practical Knowledge,” “Financial Stewardship,” and “Open Communication.” These findings can assist researchers, family life educators, financial educators, parents, and future parents to enhance the financial education provided by parents in the home.     

The effect of aging on pacing strategies of cross-country skiers and the role of performance level

Background

The participation of master cross-country (XC) skiers in training and competition has increased during the last decades; however, little is known yet about whether these athletes differ from their younger counterparts in aspects of performance such as pacing. Therefore, the aim of the present study was to examine the combined effect of age and performance (race time) on pacing in cross-country (XC) skiing. We analyzed all finishers (n?=?79,722) in ‘Vasaloppet’ from 2012 to 2017, the largest cross-country skiing race in the world, classified according to their race time into 10 groups: 3-4 h, 4-5 h, ..., 12-13 h.

Results

A trivial main effect of sex on total pace range was observed (p?<?0.001, η²?=?0.002), where women (44.1?±?10.2%) had larger total pace range than men (40.9?±?11.8%). A large main effect of performance group on total pace range was shown (p?<?0.001, η²?=?0.160), where the smallest total pace range was 21.8?±?1.9% (3-4 h group) and the largest 50.1?±?9.9% (10-11 h group). A trivial sex×performance group interaction on total pace range was found (p?<?0.001, η²?=?0.001) with the largest sex difference in pacing shown in 9-10 h group. A trivial and small main effect of age was found in women (p?<?0.001, η²?=?0.005) and men (p?<?0.001, η²?=?0.011), respectively, where the masters had smaller total pace range than their younger counterparts. A trivial age group×performance group interaction on total pace range was observed in both women (p?<?0.001, η²?=?0.008) and men (p?<?0.001, η²?=?0.006) with smaller differences among age groups in the faster performance groups.

Conclusions

In summary, master XC skiers adopted a relatively even pacing independently from their race time and the differences in pacing from the younger XC skiers were more pronounced in the slower masters. These findings suggest that exercise attenuates the decline of performance in master XC skiers as shown by the similar pacing strategies between fast master XC skiers and their younger counterparts.

     

Does Revenue Diversification Predict Financial Vulnerability Among Non-governmental Organizations in sub-Saharan Africa?

Non-governmental organizations (NGOs) in sub-Saharan Africa (SSA) experience financial challenges that hinder efforts to promote social change and development. Revenue diversification is one adaptive response to these challenges, yet there is a lack of evidence concerning the relationship between revenue diversification and financial vulnerability among NGOs in SSA. Using data from an online survey of NGOs (N = 170), we hypothesized that a greater number of revenue sources is associated with lower probability of financial vulnerability, while a greater level of dependence on international funding is associated with higher probability of financial vulnerability. Results from probit regression models controlling for organizational characteristics indicated partial support for hypotheses. Having four or more types of revenue was associated with 87% lower probability of financial vulnerability compared to having one type of revenue (p < 0.001). Also, NGOs with up to half of their budgets covered by international sources had 17% lower probability of financial vulnerability compared to NGOs with no international funding (p < 0.05). Implications for future research to further explore these relationships are discussed.     

Relationships between muscle strength and multi-channel surface EMG parameters in eighty-eight elderly

Background

Since age-related muscle strength loss cannot be explained solely by muscle atrophy, other determinants would also contribute to muscle strength in elderly. The present study aimed to clarify contribution of neuromuscular activation pattern to muscle strength in elderly group. From 88 elderlies (age: 61~?83 years), multi-channel surface electromyography (EMG) of the vastus lateralis muscle was recorded with two-dimensional 64 electrodes during isometric submaximal ramp-up knee extension to assess neuromuscular activation pattern. Correlation analysis and stepwise regression analysis were performed between muscle strength and the parameters for signal amplitude and spatial distribution pattern, i.e., root mean square (RMS), correlation coefficient, and modified entropy of multi-channel surface EMG.

Results

There was a significant correlation between muscle strength and RMS (r =?0.361, p =?0.001) in the elderly. Muscle thickness (r =?0.519, p <?0.001), RMS (r =?0.288, p?=?0.001), and normalized RMS (r =?0.177, p =?0.047) were selected as major determinants of muscle strength in stepwise regression analysis (r?=?0.664 in the selected model).

Conclusion

These results suggest that inter-individual difference in muscle strength in elderly can be partly explained by surface EMG amplitude. We concluded that neuromuscular activation pattern is also major determinants of muscle strength on elderly in addition to indicator of muscle volume.

     

Family financial roles assumed by sex trafficking survivors upon community re-entry: Findings from a financial diaries study in the Philippines

People who have been trafficked often face substantial financial challenges upon exiting human trafficking and re-entering the community. This article presents findings from a 6-month financial diaries study with the households of 30 women in Cebu City, Philippines, who were trafficked into sex work. Data from 352 interviews with sex trafficking survivors and their family members were utilized to explore the roles that trafficking survivors played in promoting the economic well-being of their families upon community re-entry, as well as the challenges they faced in fulfilling these roles. Findings revealed that women who were trafficked balanced multiple roles in their families—including that of income earner, household financial manager, and financial providers for the extended family. Survivors’ limited access to employment was a key barrier that impeded their ability to achieve financial stability for themselves, their children, parents, and other family members. The employment status of trafficking survivors affected numerous crosscutting factors—including the extent to which they were able to control household finances, redistribute income to their parents, and leave violent relationships. Findings reinforce the importance of safe, sustainable employment opportunities for the security and well-being of trafficking survivors and their families.     

Using macroinvertebrate assemblages and multiple stressors to infer urban stream system condition: a case study in the central US

Characterizing the impacts of hydrologic alterations, pollutants, and habitat degradation on macroinvertebrate species assemblages is of critical value for managers wishing to categorize stream ecosystem condition. A combination of approaches including trait-based metrics and traditional bioassessments provides greater information, particularly in anthropogenic stream ecosystems where traditional approaches can be confounded by variously interacting land use impacts. Macroinvertebrates were collected from two rural and three urban nested study sites in central Missouri, USA during the spring and fall seasons of 2011. Land use responses of conventional taxonomic and trait-based metrics were compared to streamflow indices, physical habitat metrics, and water quality indices. Results show that biotic index was significantly different (p?<?0.05) between sites with differences detected in 54 % of trait-based metrics. The most consistent response to urbanization was observed in size metrics, with significantly (p?<?0.05) fewer small bodied organisms. Increases in fine streambed sediment, decreased submerged woody rootmats, significantly higher winter Chloride concentrations, and decreased mean suspended sediment particle size in lower urban stream reaches also influenced macroinvertebrate assemblages. Riffle habitats in urban reaches contained 21 % more (p?=?0.03) multivoltine organisms, which was positively correlated to the magnitude of peak flows (r ²?=?0.91, p?=?0.012) suggesting that high flow events may serve as a disturbance in those areas. Results support the use of macroinvertebrate assemblages and multiple stressors to characterize urban stream system condition and highlight the need to better understand the complex interactions of trait-based metrics and anthropogenic aquatic ecosystem stressors.     

Green remnants are hotspots for bat activity in a large Brazilian urban area

Urbanization tends to remove or isolate green areas into fragments or restrict them to narrow corridors inserted in a matrix of buildings. Nevertheless, urban green areas may act as refuges for fauna and bats are among the animals able to use such habitats. Using bioacoustics we investigated the influence of green areas on the activity of insectivorous bats in the metropolitan area of Recife, a conurbation of 4 million people in the Atlantic forest of Northeastern Brazil. Bat activity was statistically higher in green areas, based on calls (t?=?2.5298, p?=?0.0165), but not on feeding buzzes (t?=?1.8132, p?=?0.0817) or social calls (t?=??1.5551, p?=?0.1329). Several species were able to persist in an urban matrix and calls were classified into 16 sonotypes, belonging to five families (Emballonuridae, Molossidae, Noctilionidae, Phyllostomidae and Vespertilionidae). However, activity was significantly more associated with areas with vegetation, indicating that green remnants are hotspots for bat activity. Our results indicate that most insectivorous bats have a biased use of the urban landscape and the maintenance of urban green areas is essential to preserve them and the environmental services they provide.     

Young Adults’ Life Outcomes and Well-Being: Perceived Financial Socialization from Parents,the Romantic Partner,and Young Adults’ Own Financial Behaviors

We examined how perceived financial socialization—from parents, the romantic partner, and young adults’ own behavior—was associated with young adults’ life outcomes and well-being (i.e., physical and mental health, finances, romantic relationship). Using data (N?=?504) from young adults specific to their finances, results from hierarchical regression analyses showed that young adults’ own financial behaviors were the most patterned, followed by financial socialization from the romantic partner, and then from financial socialization from parents (only objective financial knowledge). We discuss how young adults’ financial behavior, financial socialization from the romantic partner and, to a lesser extent, parental socialization are associated with young adults’ life domains, underscoring the developmental salience of increased financial capability and relationship formation and decreased dependence on parents during the transition to adulthood.     

“At a moment,you could collapse”: Raising children with autism in the West Bank

The current qualitative study examined knowledge, attitudes, burdens and coping strategies related to caring for a child with an autism spectrum disorder (ASD) in the West Bank. Based on a sample of 24 Palestinian parents, the study found that parents struggled with financial stressors, child behavioral and medical challenges, and depression. Few parents were aware of ASDs prior to their children's diagnoses. Furthermore, discrimination and stigma from extended family members and the larger community intensified parents' feelings of shame and experiences of social isolation. While some parents coped by withdrawing from the community or denying the diagnosis, others aimed to increase social interactions and access information. Religious coping was found to be partly adaptive for some of the participants. The study underscored the vital need to increase community awareness of ASDs and increase social support for parents in the West Bank.     

Children Living With Uninsured Family Members: Differences by Family Structure

Despite increased access to insurance through the Patient Protection and Affordable Care Act of 2010, uninsurance rates are expected to remain relatively high. Having uninsured family members may expose children to financial hardships. Eligibility rules governing both private and public health insurance are based on outdated expectations about family structure. Using 2009–2011 data from the National Health Interview Survey (N = 65,038), the authors investigated family structure differences in family‐level insurance coverage of households with children. Children living with married biological parents were the least likely to have uninsured family members and most likely to have all family members covered by private insurance. Controlling for demographic characteristics and income, children in single‐mother families had the same risk of having an uninsured family member as children in married‐parent families. Children with cohabiting biological parents had higher rates of family uninsurance than children with married biological parents, even accounting for other characteristics.     

Gross primary productivity of a large metropolitan region in midsummer using high spatial resolution satellite imagery

Although gross primary productivity (GPP) is estimated with remote sensing over large regions of Earth, urban areas are usually excluded due to the lack of light use efficiency (LUE) parameters for urban vegetation and the spatial heterogeneity of urban land cover. Here, we estimated midsummer GPP, both within and among vegetation and land-use types, across the Minneapolis-Saint Paul, Minnesota metropolitan region. We derived LUE parameters for urban vegetation types using estimates of GPP from tree sap flow and eddy covariance CO₂ flux observations, and from fraction of absorbed photosynthetically active radiation based on 2 m resolution WorldView-2 satellite imagery. Mean GPP per unit land area (including vegetation, impervious surfaces, and soil) was 2.64 g C m^?2 d^?1, and was 4.45 g C m^?2 d^?1 per unit vegetated area. Mapped GPP estimates were within 11.4% of estimates from independent tall tower eddy covariance measurements. Turf grass GPP had a larger coefficient of variation (0.18) than other vegetation classes (~0.10). Vegetation composition was largely consistent across the study area. Excluding golf courses, mean land-use GPP for the total study area varied more by percent vegetation cover (R²?=?0.98, p?<?0.001) than by variability within vegetation classes (R²?=?0.21, p?=?0.19). Urban GPP in general was less than half that of natural forests and grasslands in the same climate zone.     

Exploring the Youth and Parent Perspective on Practitioner Behaviors That Promote Treatment Engagement

Treatment engagement is critically important to child and family social work practitioners, given its documented relationship with youth and family outcomes. Despite this, little is known regarding the practice behaviors youth and parents perceive as important for promoting their engagement in treatment. The purpose of this study was to explore the perspective of youth and parents regarding practitioner behaviors important for fostering treatment engagement. Three semistructured focus groups were conducted with 30 youth and parents. Using a constant comparative analysis procedure, two domains of practice behaviors emerged: developing the therapeutic alliance and collaborative service delivery. Specific alliance-building behaviors included building rapport and demonstrating care, acknowledging and listening to the youth and family perspective, asking questions, not judging youth and parents, allowing youth and family input to direct care, and supporting motivation to change. Collaborative practice behaviors included providing culturally competent services, sharing treatment information, demonstrating awareness of other services/supports, and engaging other meaningful adults. Youth and parents both discussed the importance of these practice behaviors. Youth, however, seemed to emphasize the therapeutic alliance more than parents in the sample. Clinical implications for family social work practitioners regarding these key practice behaviors are discussed.     

Financial Education is not Enough: Millennials May Need Financial Capability to Demonstrate Healthier Financial Behaviors

Financial education sans opportunities for hands-on experience and knowledge operationalization may be insufficient for promoting healthy financial behaviors. Financial capability combines financial education with financial inclusion via a savings account, thereby giving an opportunity translate knowledge into practice. This study used data from the 2012 National Financial Capability Study to examine relationships between the financial capability and financial behaviors of United States Millennials (N = 6865). Compared to their financially excluded peers, Millennials who were financially capable were 176 % more likely to afford unexpected expenses, 224 % more likely to save for emergencies, 21 % less likely to use alternative financial services, and 30 % less likely to carry burdensome debt. Interventions that focus solely on financial education or inclusion may be insufficient for facilitating Millennials’ healthy financial behaviors; interventions should instead develop financial capability.     

Missingness Amount and Mechanisms in Family Economic Stress Research: Mapping (Non)answers to Economic-Related Variables of Fathers,Mothers, and Emerging Adult Children

The percentage of missing data among economic-related items is likely to be particularly high. This study aimed at examining the amount, mechanisms, and variables associated with missingness of different family members participating in a family economic stress study. Portuguese emerging adults (N?=?418) and their parents (N?=?748) were required to answer objective and subjective economic items and complete measures assessing individual and family psychological functioning. Results showed that, for all participants, non-response was more likely to occur among objective economic items than among subjective ones. Children presented higher percentages of item/construct-level missingness than parents, which could reflect a reduced financial awareness on the part of these family members. Although the identification of mechanisms explaining missing data proved to be complex, family members’ missingness was associated with sociodemographic and psychological indicators, suggesting that non-answers do not occur purely by chance. Implications of these findings for further family economic stress research are discussed.

     

A prickly problem: developing a volunteer-friendly tool for monitoring populations of a terrestrial urban mammal,the West European hedgehog (<Emphasis Type="Italic">Erinaceus europaeus</Emphasis>)

Across Europe, hedgehogs (Erinaceus europaeus) appear to be in decline in both urban and rural landscapes. Current methods used to monitor urban populations are, however, associated with several potential limitations. In this study, we conducted hedgehog footprint-tunnel surveys in 219 residential gardens across Reading, UK between May–September in 2013 and/or 2014; gardens were surveyed for five continuous days. Single-species occupancy models were used to investigate factors influencing hedgehog occupancy and two-species occupancy models were used to estimate a species interaction factor (SIF) between hedgehogs and (a) badgers (Meles meles), (b) foxes (Vulpes vulpes) and (c) dogs (Canis familiaris). The five-day survey protocol was associated with a false-absence error rate of 0.1–0.4%, indicating that it was a reliable method for determining hedgehog presence; conversely, 34.7% of householders were not able to correctly predict hedgehog presence or absence. Hedgehogs were widely distributed across Reading, but detected in only 32–40% of gardens. None of the within-garden or outside-garden factors investigated significantly affected hedgehog occupancy in the single-species models, but the two-species models indicated that badgers (SIF?=?0.471?±?0.188), but not foxes (SIF?=?0.954?±?0.048) or dogs (SIF?=?0.780?±?0.228), negatively affected the presence of hedgehogs in gardens, although not significantly. Overall, footprint-tunnels represent a viable field method for monitoring urban hedgehog populations, however, other approaches are required to identify factors that make gardens “hedgehog friendly”.     

Parents' Attitudes, Knowledge, and Behavior Toward Youth Gambling: A Five-Year Follow-up

This study compares the attitudes, knowledge, and behavior of parents of 5- to 17-year-old children regarding youth gambling. This information was obtained through two telephone surveys conducted in 1995, and 5 years later in 2000, in the Québec City area. Survey 1, in 1995, was conducted on 279 respondents, while survey 2, in 2000, was carried out with 213 respondents. Results showed a number of changes in parents' attitudes, behavior, and knowledge concerning youth gambling: For example, parents' perception of the age of onset of gambling behavior had improved slightly at the end of the 5-year period. Furthermore, parents were more satisfied with government limitation of access to gambling, and more accurately informed about legal aspects of the sale of lottery tickets. However, the percentage of parents who failed to associate youth gambling with some of its correlates (arcade attendance, parental gambling problems, and friendship with gamblers) increased from 1995 to year 2000. The improvements that were observed suggested that parents had benefited from media-transmitted information during this period. However, the deterioration of some parental attitudes, and the stability of other variables, suggest that it is still important to educate parents about youth gambling, and to design interventions adapted to parents' needs.     

An exploratory study on the impact of daily activities on the pleasure and physical activity of older adults

Background

Pleasure is one determinant of intrinsic motivation and yet a dimension often forgotten when promoting physical activity among the older population. In this study we investigate the relation between daily activities and physical activity, experience of pleasure, and the interaction between pleasure and physical activity in the daily lives of community-dwelling older adults.

Methods

Participants carried a hip-worn accelerometer during 30 consecutive days resulting in a total of 320 days of data collection. Current activity, location, companion and experience of pleasure during each activity were assessed through experience sampling on a smartphone every 1–2 h. Between- and within-individual differences were analysed with multi-level models and 10xN?=?1 regression analysis.

Results

Outdoor activities were associated with higher physical activity than indoor activities (p?<?0.001). Performing leisure activities, outdoors and not alone significantly predicted pleasure in daily life (all p’s?<?0.05). Being more active while performing leisure activities resulted in higher experiences of pleasure (p?<?0.001). However, when performing basic activities of daily living (e.g. commuting or households) this relation was inverted. Results provide meaningful indication for individual variance. The 30 days of data collected from each participant allow for identification of individual differences.

Conclusions

Daily activities and their contexts do influence the experience of pleasure and physical activity of older adults in daily life of older adults, although similar research with larger population is recommended. Results are in accordance with the literature, indicating that the method adopted (accelerometry combined with experience sampling) provides reliable representation of daily life. Identification of individual differences can eventually be automatically performed through data mining techniques. Further research could look at innovative approaches to promote Active Ageing using mobile technology in the daily life, by promoting physical activity through recommendation of pleasurable activities, and thus likely to increase the intrinsic motivation to become physically active.

     

Potential nitrogen mineralization responses of urban and rural forest soils to elevated temperature in Louisville,KY

Soil nitrogen (N) mineralization is an important process determining terrestrial N availability, and evidence suggests elevated temperatures will enhance N mineralization rates. Along a 40 km urban-rural gradient of chestnut oak forest stands in Louisville, KY, we expected N mineralization rates would be higher in urban than in rural forests in part due to increased temperatures caused by the urban heat island. However, a 12-month field study along this Louisville gradient showed that annual N mineralization rates were lower in urban than in rural stands. Since variation in precipitation inputs and other factors across this land-use gradient may be influencing soil N mineralization rates, we conducted a three-month soil incubation experiment in the lab to determine the extent to which a + 2 °C temperature difference could affect soil N mineralization in urban and rural soils. Across the range of temperatures tested, rural soils mineralized N at twice the rate of urban soils under base (7.86 vs. 3.65 mg N kg^?1 AFDW soil d^?1) and elevated (9.08 vs. 4.76 mg N kg^?1 AFDW soil d^?1) temperatures (p < 0.01). A 2 °C temperature difference, did not significantly alter total inorganic N production in urban (p = 0.272) or rural soils (p = 0.293). The proportion of nitrate produced was lower in the urban (15.1 %) than in the rural soils (72.3 %; p < 0.01). These results suggest that differences in soil organic matter quality and potentially decomposer community composition are the primary explanatory factors for forests along this Louisville gradient.