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.     

What Women Want: Employment Preference and Adjustment Among Mothers

In this study of over 2000 mothers, we considered the alignment between employment preference and status, examining the well-being of mothers who were employed and wanting to work; employed because they need the money; not employed and not wanting work; and not employed but wanting to work. Alignment between employment preference and employment status was significantly associated with well-being, and mothers who stayed at home but wanted work had the most difficulties. Strong associations across multiple outcomes were found for emotional support variables, and costs of childcare was the most common reason for staying home even if employment was desired. Results suggest the importance of women’s self-agency in employment decisions, access to child-care, and emotional support in mothers’ lives.     

Financial Planning for College: Parental Preparation and Capital Conversion

This study explores the conversion of cultural capital into economic capital, and specifically financial capital in the form of parental financial planning for children’s college education, including reported financial preparations and savings. Using data from the Education Longitudinal Study (ELS:2002), logistic regression-based analyses of aspects of cultural capital indicated that parental involvement exhibited the most prevalent relationship with financial planning and the amount saved, and that parents’ expectations, but not their aspirations, corresponded to engagement in financial planning. Findings support the conclusion that some parents convert part of their cultural capital to financial capital in preparation for paying for their child’s college education, perhaps representing a typically hidden facet of social class reproduction.     

Service user involvement in social work education: experiences from Germany and implications for a European perspective

ABSTRACT

Service user involvement (SUI) in social work education has gained widespread attention in Europe and other continents. Nevertheless, experiences on including service users in social work education have not been reported from Germany or other German-speaking countries to date. This paper reports preliminary experiences with implementing SUI in a bachelor’s programme of social work in a German University of Applied Sciences. The main goals of the current paper are (1) to provide a background for implementing service user approaches in Germany by introducing the structure of social work education in Germany; (2) to report experiences from a weekend seminar where service users worked together with students of social work in the framework of a curriculum of a German University of Applied Sciences and (3) to formulate some implications of these experiences for SUI across Europe. The main results were that introducing service user involvement into a German curriculum of social work is possible but needs careful reflection and planning. Experiences gathered in the weekend seminar with service users were encouraging for service users, students and teachers. We conclude that systematically implementing SUI into German curricula of social work is important.     

“Family? … Not Just Blood”: Discursive Constructions of “Family” in Adult,Former Foster Children’s Narratives

Framed by Relational Dialectics Theory, this study explores the ways adult, former foster children discursively construct meanings of “family.” Contrapuntal analysis of 24 interviews revealed two discourses as competing to constitute family: the Discourse of Family as Irreplaceable and Inescapable (Permanence) and the Discourse of Family as Performative Kinning (Performance). Permanence was constituted by themes of biology and historical connection, reifying normative understandings. Performance, comprised of role enactment, need for tolerance, and unconditional love, challenged the Permanence discourse. Throughout the narratives, Performance competed with Permanence for dominance, illustrating the cultural pervasiveness and power of Permanence yet, in some moments, privileging the marginalized Performance discourse. This discursive competition constructed meanings of family in narratives of life before, during, and after foster care. Overall, participant’s talk constructed complex webs of family relationships, allowing access to an important social institution—family—regardless of the presence/absence of culturally valued markers of family (e.g., biology, legality).     

Bat boxes in urban non-native forests: a popular practice that should be reconsidered

Impact mitigation practices are currently one of the hottest topics in conservation and regarded as priorities worldwide. Forest bat populations are known to provide important ecosystem services such as pest control and bat boxes have become one of the most popular management options for counteracting the loss of roosts. However, bat boxes tend to be employed in non-native forests near highly humanized areas where human disturbance is higher. The aim of this study was to evaluate how the surrounding landscape composition affects bat box occupancy in urban non-native forests along the Mediterranean corridor in the Northeastern Iberian Peninsula. Two hundred wooden bat boxes were monitored in young non-native forests in the period 2004–2012. The influence of land cover on occupancy rate of bat boxes was analysed at the landscape level in a 5 km buffer around bat-box stations. In total, 1659 inspections were carried out, in which a 15 % occupancy rate was detected. Bat boxes hosted three different species (Pipistrellus pygmaeus, Pipistrellus kuhlii and Nyctalus leisleri). More than 70 % of the occupancy can be explained by habitat and spatial composition. The presence of urban areas around bat boxes tends to have a negative impact on bat occupation rates; by contrast, forest coverage has a positive effect, especially for the tree-dwelling bats. These patterns could be associated with the large number of available roosts in buildings, microhabitat or phylopatry. Thus, to increase success, we suggest that landscape composition should be considered when using bat boxes for conservation.     

Getting closure: The role of urban forest canopy density in moderating summer surface temperatures in a large city

With a growing number of people living in urban areas, city residents are more frequently exposed to stresses related to the built environment including elevated summer surface temperatures contributing to the urban heat island (UHI) effect. This study examines the role of urban tree density in moderating surface temperature variation in a densely populated city (Toronto, Canada). By applying parallel aspatial (OLS) and spatial regression (GWR) approaches with satellite derived data describing tree canopy density and surface temperature, one dimension of tree canopy quality (i.e., canopy density) is shown to contribute directly to a reduction in the surface urban heat island (SUHI) effect at a local scale. Though the model fit differed between the two regression approaches, both exhibited moderately strong explanatory power and demonstrated that observed surface temperature decreases in locations with increasing high-density and closed tree canopy. Study findings provide an empirical basis to recommend that municipal urban forest strategies embrace canopy quality metrics, such as increasing the density of existing urban forest stands, as a part of tree planting objectives seeking to effectively deliver temperature moderation as a valuable ecosystem service.     

Floristic composition and richness of urban domestic gardens in three urban socioeconomic stratifications in the city Heredia,Costa Rica

The urban domestic gardens that are part of urban green areas have become a very important element due to their ecosystematic benefits and the poor information about them. Information regarding the floristic richness of three socioeconomic stratifications from the city of Heredia, Costa Rica is presented in this study. Research was conducted from October 2011 to May 2012. Information was collected using a semi-structured questionnaire, which was provided to 61 garden owners, including the owner’s personal data, time living in the dwelling, area of the property and the garden, variation of its size in time and the garden’s location on the property. In addition, a floristic inventory was conducted in each garden as well as a taxonomic identification of all plants. Vegetative forms and substrates were also noted. Characteristics of the gardens and their owners were then analyzed to determine the relationship of species richness between the three sites studied. The number of plant species recorded was 618, corresponding to 102 families (19 % exotic). Regarding geographical origin, 64, 4 % were exotic, 35,6 % native. Orchidaceae (93 spp.) and Araceae (39 spp.) were the most dominant families. The variables of garden area and location and owner's age determined the garden’s floristic richness. In addition, the garden’s area and vegetative forms varied among the sites studied probably due to socioeconomic differences among them. Diversity of pioneer plants increased with the garden’s area. In sum, this research provides important floristic information of domestic gardens, since, being private property, data about them is scarce and municipal management guidelines are nonexistent.     

Effects of land use on sediment composition in low-order tropical streams

The objective of this study was to evaluate the relative effects of watershed land-use on streambed substrate composition in eight low-order tropical streams. Data were collected at 24 sampling sites for eight wadeable streams in the Pirapó River Basin, southern Brazil. According to the percentage of impervious surfaces in the watershed, we defined the streams as either urban or rural. We estimate the percentages of the different streambed substrates, hydrological variables, and the rainfall intensity. The results showed that silt, sand and coarse particulate organic matter (CPOM) contributed to significant differences in streambed substrate composition between urban and rural streams. Silt, sand and CPOM were found in a higher mean proportion in the rural streams. Probably the urban streams have a greater bed load, promoted by precipitation and discharge, than rural streams, especially fine sediment. Rural streams have soft hydrographs, with stream flow slowly increasing during a rainstorm and subsequently decreasing over a long period after the rain event is over. These characteristics can provide the lixiviation of fine sediments into the stream channels due to land-surface clearance for agricultural activities and their accumulation in the streambed due to the moderate discharge regime.     

Influence of urbanization on the occurrence and activity of aerial insectivorous bats

Activity and species-specific responses of insectivorous bats in different urban-forest conditions provides a general perspective on the adaptability and vulnerability of bat species towards urbanization intensity. Here we evaluated species richness and activity patterns of aerial insectivorous bats across an urbanized landscape in the highlands of Chiapas, in Mexico. Acoustic monitoring of echolocation calls was conducted for 27 nights over a period of four months. Species richness and relative activity of insectivorous bats were estimated in a landscape with different conditions of urbanization intensity: urban areas, non-urban and forest areas. We identified a total of 14 bat species and three phonotypes. Bat species richness and relative activity was similar (X² = 0.568, gl = 2, p > 0.05), but species composition differed among conditions. We observed a significant higher occurrence of Bauerus dubiaquercus, Eptesicus brasiliensis and Myotis californicus in forest sites. Urban sites presented higher occurrence of Molossus rufus and phonotype Molossidae 2, while non-urban sites presented a higher occurrence of Eptesicus furinalis and phonotype Molossidae 2. We were able to identify bat species according to their relative activity in relation todifferent landscape conditions. Species of the Molossidae family presented the highest activity in urban sites, which was positively affected by the number of streetlights, while species of the Vespertilionidae presented the highest activity in forest sites, which was positively related totree density. While urbanization tends to diminish native biodiversity and alter faunal communities, our results show a similar richness and relative activity of aerial insectivorous bats along the urban ecosystem. The effect of urbanization intensity becomes more apparent in species-specific bat activity; the response of species towards particular habitat conditions depends on local habitat quality and characteristics (i.e., presence of streetlights, vegetation cover and tree density).