Me,Myself, and Money II: Relative Deprivation Predicts Disordered Gambling Severity via Delay Discounting,Especially Among Gamblers Who Have a Financially Focused Self-Concept

In the current research, we examined whether the known link between relative deprivation and disordered gambling (via delay discounting; i.e., preferences for immediate smaller rewards relative to delayed larger rewards) is moderated by the extent to which gamblers have a financially focused self-concept. Specifically, we hypothesized that delay discounting would be a strong predictor of disordered gambling among those who base their self-worth on their financial success. To test this moderated-mediation model, a community sample of gamblers (N = 239) completed measures that assessed relative deprivation, delay discounting, financially focused self-concept, and disordered gambling severity. As predicted, people who felt more relative deprivation reported more severe symptoms of disordered gambling and this association was mediated by delay discounting. Importantly, this mediated relationship was moderated by the extent to which participants’ self-concept was focused on financial success. Among participants whose self-concept was high in financial focus, greater delay discounting (stemming from relative deprivation) was a strong predictor of disordered gambling. Among people whose self-concept was low in financial focus, delay discounting (stemming from relative deprivation) was a weak predictor of disordered gambling. Thus, the magnitude of the indirect effect of relative deprivation on disordered gambling severity was larger among people with a more financially focused self-concept—an effect mediated by delay discounting. These findings suggest that targeting gamblers’ financial focus in prevention and treatment interventions may be instrumental in curtailing the development and maintenance of disordered gambling.     

Gambling,Risk-Taking,and Antisocial Behavior: A Replication Study Supporting the Generality of Deviance

Research suggests that high frequency gambling is a component of the “generality of deviance”, which describes the observation that various forms of risky and antisocial behavior tend to co-occur among individuals. Furthermore, risky and antisocial behaviors have been associated with such personality traits as low self-control, and impulsivity, and sensation-seeking. We conducted a replication (and extension) of two previous studies examining whether high frequency gambling is part of the generality of deviance using a large and diverse community sample (n = 328). This study was conducted as a response to calls for more replication studies in the behavioral and psychological sciences (recent systematic efforts suggest that a significant proportion of psychology studies do not replicate). The results of the present study largely replicate those previously found, and in many cases, we observed stronger associations among measures of gambling, risk-taking, and antisocial behavior in this diverse sample. Together, this study provides evidence for the generality of deviance inclusive of gambling (and, some evidence for the replicability of research relating to gambling and individual differences).     

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.     

The Role of Parents in Introducing Children to Financial Services: Evidence from Ghana-YouthSave

Financial capability—financial knowledge, skills, and access to financial services—may help smooth transitions to adulthood for youth and is affected by socialization experiences with parents and other family members. Among a sample of youth and their parents enrolled in the YouthSave experiment in Ghana (n?=?4,065), this study examined whether physical access to financial services and/or visiting banks with parents or other family members was associated with youth’s perceptions and understanding of financial institutions. We found a statistically significant association between visiting the bank with a parent or other family member and youth’s attitudes (β?=?1.45, p?<?0.001) and understanding of financial services (β?=?2.96, p?<?0.001), controlling for other factors like household income and assets. Conversely, physical access (distance, travel time) was not associated with financial services attitudes or understanding. Parents may play an important role in introducing their children to financial services. Practitioners and policy makers should consider ways to include parents in efforts to promote financial capability among youth.     

Assessing the Relationship Between Gender,Household Structure,and Net Worth in the United States

This paper examines wealth disparities by gender and household structure in the United States using data from the 1998–2013 Survey of Consumer Finances. Following studies of economic insecurity, we placed households at the center of our analysis to highlight the interconnected nature of wealth with multiple aspects of family structure. We investigated net worth by both gender and household structure, which includes variation by partnership status and the presence of other adult relatives and their roles within the household. We found that wealth disparities were largest among single adult households, but these varied by gender. Female single adult households held some of the lowest levels of net worth, but after accounting for key explanations of wealth inequality, single male households actually held greater wealth than two-adult partnered households. This relationship further depended on the presence of extended family members, where gender disparities were smaller among households with other relatives present.     

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.     

‘It’s all bollocks!’ and other critical standpoints on the UK Government’s vision of global citizenship

The UK Government’s International Citizen Service (ICS) sends volunteers abroad to ‘fight global poverty’ as ‘global citizens’. Perhaps unsurprisingly, the construction of development on the ICS programme forecloses important political and historical contexts, resulting in a model of global citizenship we might term ‘soft’. This article presents data from interviews with ICS volunteers with a specific methodological concern of recognizing the agency of young people and allowing their responses to lead discussion. The outcome is a range of themes across the data that critique the Government’s model of citizenship and, I argue, shows the volunteers to be ‘critical’ global citizens. I then ask whether we can consider this a mode of resistance. I conclude with a final data set that – the case is made – presents an imperative to allow these volunteers to have their perspectives on historical and contemporary North–South relations recognized as a critical mode of global citizenship.     

Trends in bird species richness,abundance and biomass along a tropical urbanization gradient

Impacts of urbanization on biodiversity are commonly studied using urbanization gradients which provide a space-for-time substitution in estimating consequences of urban expansion. Rates of urbanization and human population growth are high in tropical countries of the developing world, which also hold most of the world’s biodiversity hot-spots, yet few studies have considered biodiversity trends along urban gradients in these regions. Bird communities across a gradient of nine sites in Uganda, from the city centre of Kampala to outlying rural locations, were studied over a six year period. These sites were ordered along an urbanization gradient using Principle Components Analysis based on habitat variables estimated at each site. Bird species richness showed a decrease from rural to urban sites, a trend especially evident in forest birds. There was no clear pattern in total abundance, total biomass or biomass per individual along the gradient. However, this latter result was heavily influenced by a colony of Marabou Storks at one site. When this species was omitted, there was evidence of a positive trend with urbanization, showing that as species richness decreased, the bird community was increasingly dominated by larger species with increasing urbanization, which were mainly scavengers able to exploit human refuse. These results provide further support for the negative impacts of urbanization on species richness, but also demonstrate trends in abundance and biomass are variable across different regions. In particular, the increasing dominance of larger species in urban areas may be relevant to certain geographic and/or socioeconomic contexts.     

Plant-mycorrhizal fungi associations along an urbanization gradient: implications for tree seedling survival

Mycorrhizal fungi symbioses can be critical determining if established seedlings survive or not. Currently, in remnant forests, plants and their fungal symbionts are exposed to varied anthropomorphic effects related to urbanization, however, little is known about their impact on this association. We investigated the relationship between mycorrhizal fungi and tree seedling survival along an urbanization gradient. We planted three species of temperate tree seedlings (Acer rubrum, Carya ovata, and Quercus rubra) in three landscapes: urban, suburban, and rural. We measured the percent of root length colonized by mycorrhizal fungi and monitored survival during their first growing season. We analyzed mycorrhizal colonization as a function of landscape type (urban-rural) and additional variables known to contribute to mycorrhizal colonization (phosphorus, nitrogen, initial plant height). We then analyzed seedling survival as a function of the degree of mycorrhizal fungi colonization associated with the landscape gradient and of additional environmental factors (light and soil moisture). Within a species we found no changes in the levels of mycorrhizal fungi colonization across the urbanization gradient. Each species, however, had markedly different levels of colonization. Survival of A. rubrum was independent of mycorrhizal colonization, while C. ovata and Q. rubra had a significant positive response to increased mycorrhizal fungi. These findings highlight the resilience of mycorrhizal communities across the rural-urban gradient typical of this region, but they also underscore the potential sensitivity of some tree species to lower levels of mycorrhizal fungi colonization.