Individual Pension Plans in Spain: How Expected Change in Future Income and Liquidity Constraints Shape the Behavior of Households

Understanding the motives that underlie Spaniards’ retirement saving decisions is important because many, if not most, future retirees will need to rely on personal savings to maintain a decent standard of living. The governor of the Bank of Spain has stated recently that the current public pension system will not guarantee an adequate pension to the citizens, advising to save now for retirement. In this debate on public pensions, and the complementary role that private pensions might play in Spain, this article has shed light on the decision of Spanish households to engage in individual pension plans and it has identified which factors determine the total amount saved in such retirement plans. Using micro data from the Bank of Spain (Survey of Household Finances 2011), the analysis has revealed that the expectations of lower future income, along with preferences for the financial risk and education, exert an important influence on the likelihood of enrolling in a private pension plan. University education minimizes the myopic behavior of households in the sense of making them more forward-looking and cautious in the face of their future well-being. Additionally using Heckman’s methodology to correct for the problem of selection bias, our results have revealed that liquidity constraints affect negatively the total amount of money saved for retirement.     

Plant-mycorrhizal fungi associations along an urbanization gradient: implications for tree seedling survival

Mycorrhizal fungi symbioses can be critical determining if established seedlings survive or not. Currently, in remnant forests, plants and their fungal symbionts are exposed to varied anthropomorphic effects related to urbanization, however, little is known about their impact on this association. We investigated the relationship between mycorrhizal fungi and tree seedling survival along an urbanization gradient. We planted three species of temperate tree seedlings (Acer rubrum, Carya ovata, and Quercus rubra) in three landscapes: urban, suburban, and rural. We measured the percent of root length colonized by mycorrhizal fungi and monitored survival during their first growing season. We analyzed mycorrhizal colonization as a function of landscape type (urban-rural) and additional variables known to contribute to mycorrhizal colonization (phosphorus, nitrogen, initial plant height). We then analyzed seedling survival as a function of the degree of mycorrhizal fungi colonization associated with the landscape gradient and of additional environmental factors (light and soil moisture). Within a species we found no changes in the levels of mycorrhizal fungi colonization across the urbanization gradient. Each species, however, had markedly different levels of colonization. Survival of A. rubrum was independent of mycorrhizal colonization, while C. ovata and Q. rubra had a significant positive response to increased mycorrhizal fungi. These findings highlight the resilience of mycorrhizal communities across the rural-urban gradient typical of this region, but they also underscore the potential sensitivity of some tree species to lower levels of mycorrhizal fungi colonization.     

Urbanization impacts the taxonomic and functional structure of aquatic macroinvertebrate communities in a small Neotropical city

Due to habitat fragmentation, resource disruption and pollution, urbanization is one of the most destructive forms of anthropization affecting ecosystems worldwide. Generally, human-mediated perturbations dramatically alter species diversity in urban sites compared to the surroundings, thus influencing the functioning of the entire ecosystem. We investigated the taxonomic and functional diversity patterns of the aquatic macroinvertebrate communities in tank bromeliads by comparing those found in a small Neotropical city with those from an adjacent rural site. Changes in the quality of detrital inputs in relation to lower tree diversity and the presence of synanthropic species are likely important driving forces behind the observed structural changes in the urban site. Leaf-litter processors (i.e., shredders, scrapers) were positively affected in the urban site, while filter-feeders that process smaller particles produced by the activity of the shredders were negatively affected. Because we cannot ascertain whether the decline in filter-feeders is related to food web-mediated effects or to competitive exclusion (Aedes aegypti mosquitoes were present in urban bromeliads only), further studies are necessary to account for the effects of intra-guild competition or inter-guild facilitation.     

Roma and the politics of double discourse in contemporary Europe

ABSTRACT

The article analyses the politics of ‘double discourse’ in relation to Roma that has evolved in contemporary neoliberal Europe. On the one hand, the double discourse promotes the integration, rights and equal opportunities of Roma, on the other, it denies recognition of, and ways to address, enduring structural violence and rising social insecurity. The article argues that the politics of ‘double discourse’, as a neoliberal approach towards Roma, is structured by two contradictory discourses that speak to different audiences, using duplicitous approaches to create anti-Roma consensus and maintain the critical difference and subordinated position of the racialised Romani populations in Europe. By studying the representation of Roma in the cases of so-called 'child theft' in Greece and Ireland, and in the recent ‘refugee crisis’, the paper identifies and discusses three dimensions of contemporary neoliberal double discourse: racialised de-Europeanisation, neoliberal undeservingness and (dis)articulation of citizenship.     

Vygotskian-Inspired Research on the Developmental Implications of Organic Impairment

The aim is to refine recent discussion about the process of compensation under conditions of organic impairment in order to better understand how the concept has been addressed by cultural-historical researchers. From a dialogue among contemporary authors and the examination of the case of a student with multiple disabilities confronting the schooling process, we draw attention to how meaning has an effect upon complex functional systems and paves the way for new forms of human development. We conclude that it is important to challenge the relevance of the term compensation in its connection with the notion of human constitution.     

Urban habitats can affect body size and body condition but not immune response in amphibians

Does urbanization affect key life-history traits in native organisms? Some studies show that urban areas reduce diversity in certain taxa, but there is little insight into how these environments affect physiological and ecological traits. Urban areas have distinct physical structure and ecological processes compared to original habitats. The environmental changes associated with urban areas can influence the costs and benefits of different traits and behaviors of local organisms. Some of these effects have been explored in groups such as birds, but we might expect stronger effects in animals with reduced mobility, such as amphibians. Importantly, the effects of urban habitats on amphibians have not been explored, in spite that these are the most threatened vertebrate group in the world. Here, we compared three main traits related to the fitness of amphibians in urban and natural habitats: body size, body condition and immune response. To test the generality of our results, we assessed adult males of four amphibian species. We found that the body size was larger in urban environment populations in three of four studied species, while the body condition was better in the urban populations of two aquatic newt species. Finally, we found no effect of urbanization on the immune response of individuals of any species. In conclusion, we show that different species of amphibians may be affected differently by anthropogenic habitat alteration depending on their specific ecology.