Consumer Debt Repayment Behavior as a Precursor to Bankruptcy

The passage of the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) of 2005 culminated years of debate over the escalating number of bankruptcy filings and whether or not consumers were abusing the bankruptcy system. Our study focuses on the extent to which households seek bankruptcy protection without first attempting to restructure their debt or experiencing indicators of financial distress. Through multivariate regression analyses of longitudinal data from the Panel Study of Income Dynamics (PSID), we find a significant relationship between having prior financial problems and filing for bankruptcy. Our results also indicate that households that obtained consolidation loans were equally likely to file for bankruptcy as those that did not. We conclude that early interventions with financially distressed consumers may provide opportunities to reduce bankruptcy filings.

Health and the educational attainment of adolescents: evidence from the NLSY97

This article examines the mechanisms linking health to the educational attainment of adolescents. In particular it investigates the role of cognitive/academic achievement and a variety of psychosocial adjustment factors in explaining this relationship. Using data from the National Longitudinal Survey of Youth 1997 cohort (NLSY97), we estimate models of timely high school completion and of post-secondary enrollment using both standard logit estimation and sibling fixed-effects models. We find that, net of sociodemographic background and stable unobserved family characteristics, adolescents who experience worse health are substantially less likely to complete high school by their 20th birthday and to transition to post-secondary education. Cognitive/academic achievement and psychosocial factors appear to explain a large portion of these health-related educational deficits. However adolescent health continues to be significantly associated with these key educational transitions. The findings highlight a potentially important role of health selection processes in generating socioeconomic inequalities in early adolescence to young adulthood.     

The potential for bias in reporting of industry-sponsored clinical trials

Concerns about potentially misleading reporting of pharmaceutical industry research have surfaced many times. The potential for duality (and thereby conflict) of interest is only too clear when you consider the sums of money required for the discovery, development and commercialization of new medicines. As the ability of major, mid-size and small pharmaceutical companies to innovate has waned, as evidenced by the seemingly relentless decline in the numbers of new medicines approved by Food and Drug Administration and European Medicines Agency year-on-year, not only has the cost per new approved medicine risen: so too has the public and media concern about the extent to which the pharmaceutical industry is open and honest about the efficacy, safety and quality of the drugs we manufacture and sell. In 2005 an Editorial in Journal of the American Medical Association made clear that, so great was their concern about misleading reporting of industry-sponsored studies, henceforth no article would be published that was not also guaranteed by independent statistical analysis. We examine the precursors to this Editorial, as well as its immediate and lasting effects for statisticians, for the manner in which statistical analysis is carried out, and for the industry more generally.     

Sentencing outcomes of convicted child sex offenders

This research examines the sentencing outcomes of convicted child sexual offenders from data collected over an eight year period. Multiple regression and nominal log linear regression are used to examine length of prison sentence, length of probation sentence, and whether the convicted offender is actually sent to prison or to probation. While many independent variables appear to be related to sentence outcome, they fall into three categories: characteristics of the offender, characteristics of the victim, and characteristics of the crime. Additionally, while many variables appear related at the bivariate level, when multivariate analysis is applied, fewer variables remain significant, and these are mostly from the characteristics of the offense.     

Self-regulatory strength depletion and muscle-endurance performance: a test of the limited-strength model in older adults

Self-regulation consumes a form of strength or energy. The authors investigated aftereffects of self-regulation depletion on muscle-endurance performance in older adults. Participants (N = 61, mean age = 71) were randomized to a self-regulation-depletion or control group and completed 2 muscle-endurance performance tasks involving isometric handgrip squeezing that were separated by a cognitive-depletion task. The depletion group showed greater deterioration of muscle-endurance performance than controls, F(1, 59) = 7.31, p = .009. Results are comparable to those of younger adults in a similar study and support Baumeister et al.'s limited-strength model. Self-regulation may contribute to central-nervous-system fatigue; however, biological processes may allow aging muscle to offset depletion of self-regulatory resources affecting muscle-endurance performance.     

Minority stress in same-sex male relationships: when does it impact relationship satisfaction?

The minority stress model (Meyer, 2003) has been proposed to explain higher rates of psychopathology in lesbian, gay, and bisexual individuals. However, studies of minority stress have rarely taken into account the interface between minority stress and same-sex relationship processes. In the current study, 142 gay men in romantic relationships completed an online survey assessing minority stress constructs, relationship features, and relationship satisfaction. Minority stress was not directly related to relationship satisfaction, while commitment, trust, and support from one's partner were related to relationship satisfaction. Significant moderation effects emerged between discrimination and trust and between internalized heterosexism and commitment, indicating that trust was related to satisfaction for those who had experienced frequent discrimination, while commitment was related to satisfaction for those low in internalized heterosexism.     

Transportation Hardship: Are You Better off with a Car?

Growing evidence demonstrates the importance of transportation in improving family economic well being. This article sheds light on the hardship that one important transportation asset, private vehicles, may exert on families. Data from the Iowa Transportation and Employment Survey provided a unique opportunity to understand how vehicle access enables households to meet their basic needs, but may exacerbate their problems through the creation of additional demands on resources. Approximately 26% of the sample reported having experienced transportation hardship. The strongest predictors of transportation hardship were the presence of children in the household, low income, driving less reliable vehicles, and the unavailability of transportation assistance from someone outside the household. How to help families meet their transportation needs in light of this evidence remains open to debate.     

Workplace discrimination and disfigurement: the national EEOC ADA research project

Using the Integrated Mission System of the Equal Employment Opportunity Commission, the employment discrimination experience of Americans with disfigurement is documented. Key dimensions of workplace discrimination involving Americans with disfigurement and persons with missing limbs are compared and contrasted. Specifically, the researchers examine demographic characteristics of Charging Parties; the industry designation, location and size of Respondents/employers; the discrimination Issue (i.e., type of adverse action) alleged to occur; and the legal outcome or Resolution of these allegations. Charging Parties with disfigurement who are female or between 30 and 39 years of age are more likely to encounter employment discrimination than their counterparts with missing limbs. Harassment and Non-wage Benefits are the Issues that emerge in higher proportion. Allegations derived from persons with disfigurement are more common in among mid-size employers, those located in the South, or those in Retail or Service industries. Following investigation, allegations derived from persons with disfigurement are less likely to have Merit Resolutions than those brought by Charging Parties with missing limbs.     

Integrating forecasting and planning

Specialization inhibits or prohibits interdisciplinary communication among diverse areas. It contributes to segmentation, which becomes a serious problem when several of those areas should depend upon knowledge which exists in other fields. Forecasting and Planning are two such areas, and it is the purpose of this article to show how planning can benefit by the proper utilization of existing knowledge in the field of forecasting.