Immigrant Latino Families Saving Against Great Odds: The Case of CSAs and the Prosperity Kids Program

Children’s savings account programs are interventions that seek to engage disadvantaged children and their families in early college saving, cultivate college-saver identities, and reduce disparities in educational and economic outcomes. Existing research has revealed positive effects of CSAs on children’s outcomes, but questions remain about how and for whom CSAs facilitate these outcomes. This study uses account data from 493 accountholders and findings from interviews with 50 participants to examine asset accumulation and savings experiences among mostly low income, Latino families in New Mexico’s Prosperity Kids CSA program. One-third of the families made a deposit into their child’s account designated as “savers” with a median total contribution of $123 and a median account balance, including initial seed deposit, of $345. Longer duration of program enrollment and fewer number of unexcused absences predicted savers status. Qualitative findings highlight emerging college-saver identities, viewed through the framework of identity-based motivation, understood to include salience, normalization of difficulty, and group congruence. Qualitative interview data further suggest that initial seed money, deposit incentives, and withdrawal restrictions were important influences on participants’ saving. These findings suggest CSA features that may encourage positive savings outcomes for economically disadvantaged households and, then, that may have implications for future CSA policy development.     

Using counter-stories to challenge stock stories about Traveller families

Abstract

Critical Race Theory (CRT) is formed from a series of different methodological tools to expose and address racism and discrimination. Counter-stories are one of these tools. This article considers the potential of counter-stories as a methodological, theoretical and practical tool to analyse existing educational inequalities for Traveller communities. Although discrimination towards Traveller communities is well documented, there has been limited use of CRT to examine this position and challenge the social injustice they experience. In this article ‘stock stories’, or commonly held assumptions and stereotypes about Traveller communities are highlighted and refuted with Travellers’ own accounts. It is hoped this article will dispel stock stories, raise awareness of the real inequalities Travellers face and inform methodological debate.     

Assessing the contribution of fallen autumn leaves to airborne fungi in an urban environment

Urban Ecosystems - Many street trees in urban areas are deciduous and drop leaves during autumn. These leaves are a potential growing substrate for fungi, which when aerosolized and inhaled, can...     

Loss of Control as a Discriminating Factor Between Different Latent Classes of Disordered Gambling Severity

Analyses of disordered gambling assessment data have indicated that commonly used screens appear to measure latent categories. This stands in contrast to the oft-held assumption that problem gambling is at the extreme of a continuum. To explore this further, we report a series of latent class analyses of a number of prevalent problem gambling assessments (PGSI, SOGS, DSM-IV Pathological Gambling based assessments) in nationally representative British surveys between 1999 and 2012, analysing data from nearly fifty thousand individuals. The analyses converged on a three class model in which the classes differed by problem gambling severity. This identified an initial class of gamblers showing minimal problems, a additional class predominantly endorsing indicators of preoccupation and loss chasing, and a third endorsing a range of disordered gambling criteria. However, there was considerable evidence to suggest that classes of intermediate and high severity disordered gamblers differed systematically in their responses to items related to loss of control, and not simply on the most ‘difficult’ items. It appeared that these differences were similar between assessments. An important exception to this was one set of DSM-IV criteria based analyses using a specific cutoff, which was also used in an analysis that identified an increase in UK problem gambling prevalence between 2007 and 2010. The results suggest that disordered gambling has a mixed latent structure, and that present assessments of problem gambling appear to converge on a broadly similar construct.     

U.S. CREDIT UNIONS: SURVIVAL,CONSOLIDATION, AND GROWTH

This study uses hazard function estimations and time‐series and cross‐sectional growth regressions to examine the impact of exit through merger and acquisition (M&A) or failure, and internally generated growth, on the firm‐size distribution within the U.S. credit union sector. Consolidation through M&A was the principal cause of a reduction in the number of credit unions, but impact on concentration was small. Divergence between the average internally generated growth of smaller and larger credit unions was the principal driver of the rise in concentration. (JEL G21)     

Lessons learned about collaborative evaluation using the Capacity for Applying Project Evaluation (CAPE) framework with school and district leaders

Schools, districts, and state-level educational organizations are experiencing a great shift in the way they do the business of education. This shift focuses on accountability, specifically through the expectation of the effective utilization of evaluative-focused efforts to guide and support decisions about educational program implementation. In as much, education leaders need specific guidance and training on how to plan, implement, and use evaluation to critically examine district and school-level initiatives. One specific effort intended to address this need is through the Capacity for Applying Project Evaluation (CAPE) framework. The CAPE framework is composed of three crucial components: a collection of evaluation resources; a professional development model; and a conceptual framework that guides the work to support evaluation planning and implementation in schools and districts. School and district teams serve as active participants in the professional development and ultimately as formative evaluators of their own school or district-level programs by working collaboratively with evaluation experts. The CAPE framework involves the school and district staff in planning and implementing their evaluation. They are the ones deciding what evaluation questions to ask, which instruments to use, what data to collect, and how and to whom results should be reported. Initially this work is done through careful scaffolding by evaluation experts, where supports are slowly pulled away as the educators gain experience and confidence in their knowledge and skills as evaluators. Since CAPE engages all stakeholders in all stages of the evaluation, the philosophical intentions of these efforts to build capacity for formative evaluation strictly aligns with the collaborative evaluation approach.     

Evaluation of a school-based sexual abuse prevention curriculum in Malaysia

This article examines a personal safety curriculum (Keeping Me Safe) offered to Standard Three students (mostly nine-year-olds) in five primary schools in Kuala Lumpur, Malaysia. Staff of the Malaysian NGO, Protect and Save the Children, Association of Selangor and Kuala Lumpur (P.S. The Children), facilitated six weekly one-hour sessions featuring games and role play to teach children about potentially unsafe situations and touches, and to develop appropriate safety strategies and skills to ask for help. The students (n = 261) and a control group (n = 184) completed a 25 item questionnaire before and after the program, and for the experimental group only, again two months later. The assessment was supplemented by observations of each session, student interviews, and parent and teacher focus groups. The experimental group students showed substantial gains on about two-thirds of the questionnaire items. However, a minority of the students failed to absorb key messages of the curriculum. Challenges to implementing prevention programs in Malaysia are discussed.     

高校开展港澳区情教育的价值体认及策略

加强内地高校大学生对港澳区情教育消弭两地文化壁垒,舒缓心理认知偏见,促进两地高校交流与合作,理应成为我国国情教育的题中之义。截至目前,内地高校尚未系统将港澳区情教育纳入我国国情教育范畴,这不仅反映出我国国情教育的滞后性,并由此带来一系列问题。该文就此问题对高校开展港澳区情教育的价值体认和策略进行了探讨。     

Interface of drug use

Packaging and labeling play a crucial role awhile protecting medicaments and transmitting a range of crucial information to the users. Taking into account the scarcity of specific studies in this area, it was considered great the need for a comprehensive survey about customers' satisfaction when handling these containers.