Probability of living through a period of economic instability

Welfare Based on Assets, a Way to Smooth Out Economic Instability and Develop Children's Human Capital is a four-part series of reports that focuses on the relationship between economic instability (i.e., income shocks, asset shocks, home loss, and asset poverty) and children's human capital development. Collectively, these reports build on the compelling observation that the pattern low-income families walk into is a present time oriented or consumption based pattern of behavior; in contrast, the pattern higher income families walk into is future oriented or asset based. In this first paper we find that between 2005 and 2009 the probability of a low-income child living through an income shock is between 43% (major shock) and 55% (minor shock). In contrast, the chance of a high-income child experiencing an income shock is between 6% (major shock) and 15% (minor shock) during the same period. We also find that the probability that a child will experience a net worth asset shock close to doubles for a child living in a black or low-income family between 2005 and 2009 when compared to 2000 and 2004. Policy implications are discussed.     

Accumulating assets,debts in young adulthood: Children as potential future investors

Child Development Accounts (CDA) aim to open savings accounts in childhood as a way to lay a foundation for building assets in young adulthood and beyond. Mainstream banks may be key partners in opening the accounts in which children can build assets. While children may have limited savings to invest initially, they may increasingly invest over time by accumulating assets and debts through mainstream banks. Mainstream banks may benefit from children's increasing investments. This paper uses propensity score weighted, longitudinal data from the Panel Study of Income Dynamics and its supplements to examine savings, assets, debt, and net worth accumulation of young adults and whether or not they accumulate more when they have savings accounts as children. Young adults accumulate a median of $1000 in savings accounts, $4600 in total assets, $965 in debt (excluding student loans), and $4000 in net worth (excluding student loans). Young adults accumulate more savings and total assets when they have savings accounts as children. They accumulate less debt and more net worth when their households accumulate high net worth.     

Resource Accessibility and Walkability Among Older Adults in Extended-Stay Hotels

Older adults represent a large and growing population group in the United States. This population cohort is projected to grow to 72.1 million, or 19% of the total population, by 2030, up from 40 million in 2010 (Administration on Aging, 2011; Federal Interagency Forum on Aging-Related Statistics, 2012). Despite reported decreases in the proportion of older adults living in poverty in recent years, inequities prevail. Approximately 40% of older American households reported housing cost burdens¹Cost burdens are expenditures on housing and utilities that exceed 30% of household income. (Federal Interagency Forum on Aging-Related Statistics, 2012). Many of these low-income older adults live in socially and economically marginalized positions, and housing them remains a major challenge complicated by (a) limited affordable housing options and (b) chronic health conditions that seriously undermine long-term health and mobility. In a study on the impacts of public housing transformation in Atlanta, Oakley, Reid, & Ruel (2011) reported that 26% of seniors entered public housing because of a health condition or disability. According to Smith (2006), seniors in public housing are in worse health than other older Americans, even other poor older Americans suffering from such chronic health conditions as hypertension, diabetes, arthritis, and asthma. Despite these realities, Ball (2012) has noted that older adults receive little attention in comprehensive development planning beyond specialized age-segregated retirement and care communities. Salkin (2009) echoes similar concerns about the tendency toward housing initiatives and designs for more affluent older adults. She commented that most states have focused attention on programs that are best suited for seniors who do not have the same income limitations as those who are truly on fixed incomes and living close to the poverty level (Salkin, 2009). While public housing remains the predominant affordable housing option for low-income older adults, such housing is out of reach for many low-income older adults who find themselves displaced and homeless. As a result, some of these adults move into extended-stay hotels to remain sheltered.     

How Neighborhood Features Affect Quality of Life

In this paper we report on the development ofthree conceptual models that explain howsatisfaction with neighborhood features affectresidents' quality of life (life satisfaction). The first model posits that satisfaction withsocial, economic, and physical features of theneighborhood affects life satisfaction throughthe mediation effect of one's overall feelingstoward the neighborhood. That is, satisfactionwith the social, economic, and physicalfeatures tend to contribute to one's overallsatisfaction with the neighborhood(neighborhood satisfaction), which in turnplays a positive role in overall feelingstoward life (life satisfaction). Survey datafrom a variety of communities located insouthwest Virginia were collected, and the datafailed to provide support to this model. The second model posits that satisfaction withthe neighborhood features (social, economic,and physical) does affect life satisfactionthrough a hierarchy-of-satisfaction effects –satisfaction with the neighborhood featuresimpacts neighborhood satisfaction, which inturn affects community satisfaction and housingsatisfaction. Housing satisfaction, in turn,affects home satisfaction. Both homesatisfaction and community satisfaction, inturn, affect life satisfaction. The surveydata failed to support this model too. The third model posits that satisfaction withdifferent features of the neighborhood (social,economic, and physical) affect different domainsatisfactions, which in turn affect lifesatisfaction. Specifically, the model arguesthat satisfaction with the physical featuresaffects both neighborhood satisfaction andhousing satisfaction. Neighborhoodsatisfaction plays a role in communitysatisfaction, whereas housing satisfactionplays a role in home satisfaction. Bothcommunity satisfaction and home satisfaction,in turn, play a role in life satisfaction. Satisfaction with the social features of theneighborhood plays a role in the satisfactionwith the neighborhood and the community – thelatter feeds into life satisfaction. Satisfaction with the economic features of theneighborhood plays a role in the satisfactionwith the house and home – the latter feeds intolife satisfaction. The data were mostly supportive of this model.     

Early Brain Development for Social Work Practice: Integrating Neuroscience with Piaget's Theory of Cognitive Development

Despite social work's claim of a bio-psychosocial approach to human behavior and development, the profession fails to incorporate important physiological knowledge into practice, research, and education. This article provides an example of the usefulness of understanding the ontology of early brain development by demonstrating how such knowledge can be integrated into Piaget's theory of cognitive development. We suggest that social work's focus on evidence-based practice demands the incorporation of neuroscience into the profession's body of knowledge.     

Truth and consequences: using the bogus pipeline to examine sex differences in self-reported sexuality

Men report more permissive sexual attitudes and behavior than do women. This experiment tested whether these differences might result from false accommodation to gender norms (distorted reporting consistent with gender stereotypes). Participants completed questionnaires under three conditions. Sex differences in self-reported sexual behavior were negligible in a bogus pipeline condition in which participants believed lying could be detected, moderate in an anonymous condition, and greatest in an exposure threat condition in which the experimenter could potentially view participants responses. This pattern was clearest for behaviors considered less acceptable for women than men (e.g., masturbation, exposure to hardcore & softcore erotica). Results suggest that some sex differences in self-reported sexual behavior reflect responses influenced by normative expectations for men and women.     

Social Network Typologies of Black and White Married Couples in Midlife

Although research shows that conjoint social networks are associated with well‐being among newlyweds, little is known about how these network types are linked to marital quality and psychological well‐being for long‐term married couples and about potential race differences in their configurations and associations. Using a pattern‐centered approach to examine the social networks of 91 White and 62 Black couples in their 16th year of marriage, this study revealed four couple network types (friend‐focused, wife family‐focused, bilateral family‐focused, and diverse). Results suggested that spouses in the wife family‐focused network type (characterized by above‐average contact with the wife's family and below average contact with the husband's family and with nonkin) reported the lowest positive marital quality and highest negative marital quality. The association of network type with negative marital quality was also moderated by gender and race. The findings highlight the importance of considering the meaningful complexity within couples' shared networks.     

Marital Conflict Behaviors and Implications for Divorce Over 16 Years

This study examined self‐reported marital conflict behaviors and their implications for divorce. Husbands and wives (N = 373 couples; 47% White American, 53% Black American) reported conflict behaviors in Years 1, 3, 7, and 16 of their marriages. Individual behaviors (e.g., destructive behaviors) and patterns of behaviors between partners (e.g., withdrawal‐constructive) in Year 1 predicted higher divorce rates. Wives' destructive and withdrawal behaviors decreased over time, whereas husbands' conflict behaviors remained stable. Husbands reported more constructive and less destructive behaviors than wives, and Black American couples reported more withdrawal than White American couples. Findings support behavioral theories of marriage demonstrating that conflict behaviors predict divorce and accommodation theories indicating that conflict behaviors become less negative over time.