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.     

Caregivers’ Mental Illness and Adolescent Delinquency Among African Americans in Chicago’s Southside: Exploring Potential Protective Factors

Child and Adolescent Social Work Journal - The aim of the present study is to identify protective factors that buffer the effect of caregiver mental illness on adolescent delinquency. Specifically,...     

Identity Crisis and Integration: The Divergent Attitudes of Iranian Immigrant Men and Women towards Integration into Swedish Society

The main objective of this article is to show the divergent attitudes of Iranian immigrant men and women towards integration into Swedish society.
As several studies have shown, Iranian women have a better chance of adjusting to Western societies than Iranian men. This article discusses the notion that one of the important reasons for this is the determining role of professional position in the life of Iranian immigrants in Sweden.
As a result of the improvement in their work status and therefore an improvement in their social position, Iranian immigrant women now have greater possibilities than Iranian immigrant men to overcome the identity crisis which ordinarily makes ethnic groups and cultural minorities lose their sense of fitting into their new social reality.
This results, in its turn, in the women having a positive attitude towards the new society and increases the extent of their desire for integration into the new society.     

The Need to Reconcile Concepts that Characterize Systems Facing Threats

Desirable system performance in the face of threats has been characterized by various management concepts. Through semistructured interviews with editors of journals in the fields of emergency response and systems management, a literature review, and professional judgment, we identified nine related and often interchangeably used system performance concepts: adaptability, agility, reliability, resilience, resistance, robustness, safety, security, and sustainability. A better understanding of these concepts will allow system planners to pursue management strategies best suited to their unique system dynamics and specific objectives of good performance. We analyze expert responses and review the linguistic definitions and mathematical framing of these concepts to understand their applications. We find a lack of consensus on their usage between interview subjects, but by using the mathematical framing to enrich the linguistic definitions, we formulate comparative visualizations and propose distinct definitions for the nine concepts. We present a conceptual framing to relate the concepts for management purposes.     

What's Wrong with Subjectivity Anyway?

In this paper I look at the current trend toward positivism in the practice of psychotherapy. I use the term psychotherapy throughout, to remind family therapist readers that the problem is not ours alone. I offer a brief, critical literature review. I suggest that the trend towards positivism offers little of therapeutic value and compromises the ethical practice of psychotherapy. The origins of the trend lie in economic rationalism (demonstrated by the sorry state of the profession in the USA), philosophical error (the belief in certain knowledge) and a misplaced faith in method (simple algorithms exist that can transcend even the most complex circumstances). I dispute the validity of these influences and draw upon David Smail's suggestion that the pursuit of objectivity is an attempt to avoid the awkward necessity of making moral judgements. In the last section of the paper I briefly examine a philosophical framework that could serve as a guide to the subjective practice of psychotherapy and I offer a simple subjective metaphor drawn from a work of literary criticism.     

Climate change knowledge influences attitude to mitigation via efficacy beliefs

Theories proposing climate change apathy is explained by inadequate knowledge do not account for why many informed and concerned Americans fail to act. While correlations between knowledge, efficacy for climate change, and attitude to mitigation have been observed, few studies have examined efficacy for climate change as a mediator. This study aimed to investigate the influence of specific climate change knowledge on attitude to mitigation via efficacy beliefs. A cross-sectional survey of 205 US adults recruited from Amazon's Mechanical Turk assessed participants’ climate change knowledge, efficacy for climate change, and attitude to mitigation. Indirect effects of self-efficacy for climate change were observed in three mediation models, suggesting efficacy for climate change explains some of the relationship between specific climate change knowledge and attitude to mitigation. The findings suggest risk communication can motivate pro-environmental attitudes with interventions that deliver information about climate change and develop efficacy for mitigation behavior.     

A Public Transportation Decision‐Making Model within a Metropolitan Area

Understanding the decision‐making factors associated with public transportation is essential in strategic development of public transportation to improve acceptance and utilization of mass transit systems. This research analyzes factors affecting attitudes toward public transportation and the choice of transportation mode by investigating the public transportation decision‐making process of working professionals using a survey methodology. The objectives of this research are to model the transportation decision‐making process of public transportation users in a metropolitan area and to determine key factors that affect the public transportation choices made by potential public transportation users. This study contributes to the literature by developing and testing an integrated theoretical framework for modeling an individual's public transportation decision‐making process using four independent variables: Perceived Public Transportation Security, Knowledge, Price, and Convenience. We develop the proposed theoretical framework based upon the extant literature and tested it using partial least squares structural equation modeling (PLS‐SEM). Based on the Theory of Reasoned Action, the Theory of Planned Behavior, and utility theory, we develop the factors and refine associated items using confirmatory factor analysis.     

JOB INSECURITY,STRESS AND GENDER

This study examined the complex relationships between gender, job insecurity and job-related stress. Previous findings have suggested that men experience greater job insecurity than women, and are more vulnerable to job-related stress. The current study tested the hypothesis that the gender ideology of employees moderates the effect of gender on job insecurity and stress. Data were obtained by questionnaires from a sample of 203 married employees. The results showed that traditional men experience greater job insecurity than traditional women. However, as hypothesized, egalitarian men and women exhibited similar degrees of job insecurity. Furthermore, job insecurity in traditional men and in egalitarian men and women was related to loss of control stress, financial stress and stress expressions at home, whereas traditional women were relatively protected from job-related stress. These findings illuminate the important moderating role played by gender ideology in the relationships between gender, job insecurity and stress.