The Cost of Not Knowing the Score: Self-Estimated Credit Scores and Financial Outcomes

This study analyzes consumers’ knowledge of their own credit situation and tests whether a lack of knowledge affects financial outcomes. The unique dataset from survey and credit report data includes self-estimates of credit scores and actual scores from a low-to-moderate income sample. We argue and show empirically that many respondents don’t know their credit score and generally underestimate their creditworthiness. Furthermore, our evidence suggests that this biased self-assessment may explain differences in perceived credit constraints and credit contracts, specifically credit card interest rates. Our research suggests that an important aspect of financial literacy is self-assessment, and that it is important to encourage consumers to regularly check their credit reports and scores so as to better understand their actual creditworthiness.     

Youth development and the camp experience

The organized camp experience has been an important part of the lives of children, youth, and adults for over 150 years. The camp experience is a way for young people to explore and search for an authenticity often missing in other parts of their lives that contributes to their healthy transition into adulthood. Over the past decade, tremendous growth in the volume and rigor of camp-related research has occurred, facilitated by a targeted research agenda conducted by the American Camp Association. This agenda was founded on three national research projects conducted between 2003 and 2007: a study to identify the developmental outcomes of the camp experience, a benchmarking study of the youth development supports and opportunities provided through camp experiences, and a program improvement project directed toward enhancing supports and opportunities provided by camps. The findings from these research projects suggest that camp experiences promote developmental outcomes in both campers and staff and that camps provide the supports and opportunities needed for positive youth development. This article explores the developmental outcomes of the camp experience and the characteristics of the supports and opportunities afforded by camp experiences, including settings, structures, and programs and activities, as a way to provide a clearer understanding of camp as a positive youth development setting. Innovations and opportunities in research related to the provision of quality camp experiences are also considered.     

Facilitators and barriers to disclosing abuse among women with disabilities

An anonymous audio computer-assisted self-interview (A-CASI) designed to increase awareness of abuse was completed by 305 women with diverse disabilities. Data were also collected about lifetime and past year abuse; perpetrator risk characteristics; facilitators and barriers to disclosing abuse; abuse disclosure to a health provider, case manager, or police officer; and whether a health provider had ever discussed abuse or personal safety. A total of 276 (90%) women reported abuse, 208 (68%) reported abuse within the past year. Women who reported the most abuse experiences in the past year and the most dangerous perpetrators endorsed fewer facilitators and more barriers, but were also more likely to have ever disclosed abuse. Only 15% reported that a health provider had ever discussed abuse and personal safety.     

Hurricane Katrina and New Orleans: What Might a Sociological Embeddedness Perspective Offer Disaster Research and Planning?

The Hurricane Katrina and New Orleans situation was commonly called a "natural disaster"—an anomalous "event" that disrupted lives, spaces, and organizations. Research and planning attention then focused on particular aspects of the event and on restoring order. In contrast, sociologists and similar-thinking scholars have increasingly viewed disaster situations from multiple locations and histories, often using systems theory. Here, reanalysis of empirical material from ethnographic research in New Orleans pre- and post-Katrina suggests that a sociological embeddedness perspective illustrates the dynamic seamlessness of past, present, and future economic contexts and social actions. The perspective's constitutive concepts of weak, strong, and differentiated ties highlight the role of local knowledge, intermediary-led workforce networks, and sustained participatory planning in creating a robust economic environment. Toward this end, disaster research, planning, and theory building could incorporate network tie assessments into social vulnerability protocols, compare embeddedness with other perspectives, and learn from related international experiences.     

Combining qualitative and quantitative data in the longitudinal study of household allocations

The paper examines some of the technical and epistemological questions raised by the debate on linking qualitative and quantitative research methodologies. For illustrative purposes, we discuss a qualitative research project on the distribution of resources within households currently being conducted by the British Household Panel Study at the University of Essex. Initially, we provide a general background to the current research, moving on to examine some of the methodological problems which emerge and the epistemological questions which they raise. These include the general issue of classification; the difficulties of defining the analytical boundaries of households; the particular problems associated with using households as longitudinal units of analysis; and the relationship between actors' accounts and the conceptual categories which we use to describe behaviour. We suggest that the tendency to see qualitative and quantitative methodologies as mutually exclusive and antagonistic paradigms is a misleading representation of the reality of social research practice, and argue for the importance of maintaining a qualitative component in the BHPS in order to understand the complex processes involved in the intra-household distribution of resources.     

Accounting for the value of volunteer contributions

There is a need for an accounting paradigm that properly illustrates the value that nonprofits generate. Much of that value comes from volunteer contributions, which are significant but for the most part are not included in financial accounting statements, even though our research indicates that they account for almost a third of the value added by these organizations. This article reports the results of two studies related to measuring volunteer value in the accounting of nonprofits and then draws some policy implications from the research. The first study, a survey of 156 nonprofits in Canada, found that although about one‐third of the sample kept records of volunteer hours, only 3 percent included a value for them in their accounting statements. The second study, of nonprofit accountants, found that they did not feel that financial accounting statements properly represented the contribution of their organizations. A series of policy recommendations are presented, including suggestions for revising the regulations of accounting bodies for imputing volunteer value and creating accounting statements that better represent the contribution of nonprofits.     

Mapping IS failure factors on PRINCE2® stages: an application of Interpretive Ranking Process (IRP)

The social, political and cultural issues faced by organisations and their senior management team in the delivery and adoption of strategic projects, is highly complex and problematic. Despite a mature body of literature, increasing levels of practitioner certification, application of standards and numerous government initiatives, improvements in success have been minimal. In this study, we analyse the key underlying factors surrounding the failure of Information Systems (IS) projects and explore the merits of articulating a narrative that focuses on senior management embracing practical pessimism. Specifically, we develop a hypothesis supported by empirical study that leverages expert’s views on the dominance and interrelationships between failure factors within PRINCE2® project stages using an Interpretive Ranking Process. Our findings establish how the concept of dominance between individual failure factors can necessitate senior management to make key informed and timely decisions that could potentially influence project outcomes based on an empirical derived, interpretive predictive framework.