Payday lenders and economically distressed communities: A spatial analysis of financial predation

The payday lending industry has grown considerably in recent years, reflecting both widespread economic insecurity and market neglect by the traditional banking sector. Outlets are now commonplace in many communities across America. Accused by many of predatory practices, payday lenders can be viewed as financial hazards in already economically distressed communities. Using a Geographic Information System (GIS) and associated statistical analyses, this paper examines the social ecology of payday lending along the Front Range communities of Colorado. Comparison of means and logistic regression results reveal how communities’ composition by class, occupation, race/ethnicity, nativity, age, and military affiliation affect their likelihood of hosting payday lending.     

Markov Chains and De-initializing Processes

We define a notion of de-initializing Markov chains. We prove that to analyse convergence of Markov chains to stationarity, it suffices to analyse convergence of a de-initializing chain. Applications are given to Markov chain Monte Carlo algorithms and to convergence diagnostics.     

The parameters of prejudice: knowledge of ethics and age bias

This study examined two matters pertinent to social work practice: professional ethics and age bias among practicing social workers. Because social work ethics demand competent practice within one's area of proficiency, and because bias toward any segment of social work clientele impedes competent practice, prejudicial attitudes toward older people are problematic. This study found that age bias exists among practicing social workers (N = 367), with no discernible association between knowledge of professional ethical standards and age bias. The findings suggest a subtle and pervasive bias associated with work with older people. Positive bias was more prevalent than negative bias.     

The potential impact of discrimination fears of older gays, lesbians, bisexuals and transgender individuals living in small- to moderate-sized cities on long-term health care

As an exploration of the potential impact of fears of discrimination against GLBTs in long-term health care settings, this study compared perceptions of GLBT persons and heterosexuals. A total of 132 GLBT persons and 187 heterosexuals living in Eastern Washington completed a survey that contained demographic questions and perceptions of discrimination in long-term care settings. Most respondents suspected that staff and residents of care facilities discriminate against GLBTs. GLBT respondents who believed that residents of care facilities are victims of discrimination were more likely to believe that they would have to hide their sexual orientation if admitted to a care facility. GLBT respondents were more likely than heterosexual respondents to believe that GLBTs do not have equal access to health care and social services, that GLBTs residents of care facilities are victims of discrimination, that GLBT sensitivity training programs would benefit staff and residents of care facilities, and that GLBT retirement facilities would be a positive development for older GLBTs. This study is offered as a preliminary investigation of concerns about GLBT discrimination in health care settings, how concerns are expressed, and the implications of those concerns for health care needs.     

Weight-preserving simulated tempering

Statistics and Computing - Simulated tempering is a popular method of allowing MCMC algorithms to move between modes of a multimodal target density $$\pi $$. One problem with simulated tempering...     

‘We've Got One of Those’: The Peripheral Status of Women in Male Dominated Industries

This article uses evidence from 269 interviews in five companies to consider whether (i) equal opportunity laws, policies and practices, (ii) more women gaining post-entry professional qualifications, establishing themselves on the lower rungs of hitherto male careers, and working full-time, combined with (iii) projected skill shortages, are likely to break down gender segmentation and lead to greater equality in employment during the 1990s. The evidence suggests that even females who start strongly and appear potential high-fliers are still being obstructed by harsh, in some respects, and in other ways patronizing, workplace cultures, coupled with demands for career commitment that are incompatible with the domestic responsibilities which it is assumed women will adopt, and which the majority are in fact still adopting at least at certain stages during their working lives. The effects in the companies studied were to deflect women out of mainstream careers into peripheral occupations, or into peripheral jobs within skilled mainstream occupations. In these companies neither the men nor the exceptional women who were succeeding appeared a likely source of pressure for change, and male domination remained fully compatible with the firms' preferred skill formation strategies.     

The Single Assessment Process in Primary Care: Older People's Accounts of the Process

Recent government policies have been active in addressing socialinclusion and active participation of older people in many aspectsof societal life. Independence and well-being animate thesedevelopments and are evident in the emphasis on person-centredservices within the single assessment process for older people(Department of Health, 2002b). Drawing on a feasibility study of the Single Assessment Processas a ‘case-finding’ approach, this paper presentsfindings drawn from older people’s accounts of this experience.These accounts indicate the potential of the process for identifying‘low-level’ need, whilst raising issues of accessto formal services and resource constraint; also they underlinethe importance of understanding how older people seek ways ofmanaging their own health and well-being, whilst continuingto contribute to the social cohesion of society by providingsupport to their peers and to younger generations. Interdependence, it is suggested, rather than dependence shouldunderlie any approach to assessing older people’s needs,if we are to appreciate and build upon the complexity of olderpeople’s strategies for actively managing their lives.     

Worker perceptions of procedural justice in workers’ compensation claims: Do unions make a difference?

The differences between union and nonunion workers’ perceptions of the fairness of the workers’ compensation claims process are examined. The hypothesis tested is that union members should perceive this process as more fair due to union “voice.” The data were collected in a survey of injured workers in Michigan who had filed a workers’ compensation claim. The empirical results indicate that unions have little impact on the perceived fairness of the claims process and that the main contribution of unions is the provision of a complaint mechanism. From the Bill of Rights to Chief Justice Earl Warren’s recurring inquiry of counsel, “but is it fair?” fair treatment has been treated as a value enforceable by law, standing at the very core of the constitutional, political, and social rights of the individual. —Westin and Feliu (1988, p. 255)