The Personal Costs of Subprime Lending and the Foreclosure Crisis: A Matter of Trust,Insecurity, and Institutional Deception*

Objective. Research on widespread loan failures suggests that many of the mortgage loans that were made since 2000 were of a deceptive or predatory nature. This study explores the experiences and sentiments of those who are at risk of foreclosure within a broader framework of trust, individualization, and ontological security. Methods. Interviews examine families' lending experience and how they have coped with their personal troubles that resulted from their housing crisis. Results. As many of these loans were of a deceptive or predatory nature, individuals are likely to reflect on the psychological consequences of their predicament. Although these findings suggest that these individuals have lost trust in the housing market, many have internalized their situation as a personal failure. In addition, feelings of anxiety, stress, insecurity, and uncertainty have come to characterize their experiences. Conclusions. This research calls for policy recommendations that seek to restore confidence and to ensure greater consumer protection in financial markets.     

An Empirical Likelihood Ratio Test for Normality

The empirical likelihood ratio (ELR) test for the problem of testing for normality is derived in this article. The sampling properties of the ELR test and four other commonly used tests are provided and analyzed using the Monte Carlo simulation technique. The power comparisons against a wide range of alternative distributions show that the ELR test is the most powerful of these tests in certain situations.     

Imagined interactions,family money management patterns and coalitions,and attitudes toward money and credit

This study explores the imagined interactions college students have with their parents about money and credit, their attitudes toward credit and money, the ways they say their parents deal with financial decisions, and the communication coalitions regarding finances they perceive existing within their family. Students’ imagined interaction pleasantness is greatest when parents jointly form a plan for paying off credit card debt and lowest when parents argue. When family coalitions exist, students report more frequent imagined interactions. Imagined interaction frequency and pleasantness are related to credit and money attitudes.

Multidimensional Resilience: Predictive and Construct Validity of the Individual,Family, and Community Resilience Profile

Few measures parallel the robust depth offered in the existing multidimensional and ecologically informed theories of resilience. This study sought to evaluate the test–retest reliability, construct, and predictive validity of the individual, family, and community resilience resource profile (IFCR-R). The IFCR-R measures a family’s access to resilience resources and protective factors across multiple ecological levels. Confirmatory factor analysis was used with a sample of n?=?810 low-income families. And 159 families completed multiple time point measures for test–retest reliability and predictive validity evaluation. Results of this study support the proposed multidimensional ecological structure of the IFCR-R and found that the IFCR-R offers an acceptable test–retest reliability and predictive validity for outcomes of mental and physical health.     

Dyadic Supervision Evaluation: An Actor–Partner Relational Model

This article contributes to research practices in marital and family therapy, specifically the dyadic and development over time in clinical supervision, and describes and applies methodological strategies to develop measurements congruent with the systemic and developmental principles of the field. This project evaluates the psychometric properties of the dyadic supervision evaluation (DSE) in terms of measurement equivalence and causality. A structural equation analysis is conducted utilizing the actor–partner interdependent model resulting in a goodness of fit. This study presents a longitudinal model for evaluating the supervisory relationship and proposes a model of clinical supervision evaluation. The relationship among latent constructs in the DSE and its limitations related to inference and application are discussed.     

Ecological research can augment restoration practice in urban areas degraded by invasive species—examples from Chicago Wilderness

Urban biodiversity conservation needs a firm scientific foundation, one that draws upon active and regionally calibrated research programs. Until recently this foundation has not existed. In this paper we examine the way in which the emerging discipline of restoration ecology in an urban context can learn from the experiences of ongoing restoration projects and in turn how novel insights from research of urban soils can help these projects define and reach their goals. Limitations on collaboration between academic researchers and practitioners continues be problematic. We discuss a model whereby this impediment may be removed. A case study of Rhamnus cathartica, an invader of Midwestern woodlands which modifies some important soil ecosystem properties will be used to illustrate the potential for engagement between research and practice.     

Infants' Response to Maternal Mirroring in the Still Face and Replay Tasks

Infants' response to maternal mirroring was investigated in 4‐month‐old infants. Mother–infant dyads participated in the still face and replay tasks. Infants were grouped by those whose mothers did and did not mirror their behavior in the interactive phases of the tasks. In the still face task, infants with maternal mirroring showed more attention, smiling, and positive vocalizations across the phases, although both groups of infants demonstrated the still‐face effect with attention and smiling. Infants' social bidding to the mother during the still‐face phase correlated with mothers' mirroring behavior. In the replay task, infants with maternal mirroring demonstrated carryover effects with smiling; infants without maternal mirroring showed no awareness of change in their mothers' behavior. In both the still face and replay tasks, infants with maternal mirroring were more engaged with their mothers. Results suggest that maternal mirroring of infants' behavior affects infants' detection of, and response to, reciprocal interaction.