Driving Under the Influence of Risky Peers: An Experimental Study of Adolescent Risk Taking

Both passive and active social influences may affect adolescents' dangerous driving. In this study, we used an experimental paradigm to delineate these two influences with actual peers. Adolescents completed a simulated driving task, and we measured risk preferences of each member of the peer group. We used hierarchical linear modeling to partition variance in risky decisions. Adolescents experienced many more crashes when they had “passengers” present who reported a strong preference for risk taking and who actively provided decision‐making guidance. Although youth in the passive peer condition were also influenced by the riskiness of their peers, this relation was less strong relative to the active condition. We discuss the need for interventions focussing on active and passive peer influence.     

Effects of Parental Divorce on Teenage Children’s Risk Behaviors: Incidence and Persistence

It is generally difficult to separate the effects of divorce from selection when analyzing the effects of parental divorce on children’s risk behaviors. We used propensity score matching and longitudinal data methods to estimate the effects of parents’ divorce on their children’s binge drinking, alcohol consumption, tobacco use, marijuana use, and hard drug use. The children were between 12 and 18 years old in the first survey and between 18 and 24 years old in the second survey. Our results suggest that parental divorce significantly increased the probability of risk behaviors in their children. Moreover, many of these adverse impacts persisted over time, especially among teenage girls.     

The Association of Alternative Financial Services Usage and Financial Access: Evidence from the National Financial Capability Study

This study examined the association of financial access and alternative financial services (AFS) using a nationally representative sample from the 2012 National Financial Capability Study (N = 25,509). Structural equation modeling was used to examine the relationship between financial access and AFS usage. Ordinary least squares regression was used to estimate the relationship between banked status and the overall AFS usage as a latent variable while controlling for sociodemographic variables, financial education, financial knowledge, and home ownership. Results suggested that being unbanked was positively associated with AFS usage after controlling for other covariates. Financial education and knowledge, age, gender, marital status, education, household income, and homeownership were significantly associated with AFS usage. These findings have implications for public policy and programs that work with the unbanked.     

Financial Education is not Enough: Millennials May Need Financial Capability to Demonstrate Healthier Financial Behaviors

Financial education sans opportunities for hands-on experience and knowledge operationalization may be insufficient for promoting healthy financial behaviors. Financial capability combines financial education with financial inclusion via a savings account, thereby giving an opportunity translate knowledge into practice. This study used data from the 2012 National Financial Capability Study to examine relationships between the financial capability and financial behaviors of United States Millennials (N = 6865). Compared to their financially excluded peers, Millennials who were financially capable were 176 % more likely to afford unexpected expenses, 224 % more likely to save for emergencies, 21 % less likely to use alternative financial services, and 30 % less likely to carry burdensome debt. Interventions that focus solely on financial education or inclusion may be insufficient for facilitating Millennials’ healthy financial behaviors; interventions should instead develop financial capability.     

A Decade of Change: Measuring the Extent,Depth and Severity of Food Insecurity

Rates of food insecurity in the US have been rising since 2000 spiking with the onset of the Great Recession in 2008, and have remained essentially unchanged since then despite improvements in the economy. The present study employed a series of indices adapted from the poverty literature to examine the depth and severity of food insecurity across the decade by race and ethnicity among low-income households with and without children. The most rapid increases in the depth and severity of food insecurity were found among low-income households without children. Non-Hispanic White households with and without children had lower prevalence rates but steeper increases in the depth and severity of food insecurity throughout the decade. Non-Hispanic Black households with and without children were at the most disadvantaged among low-income populations.     

Family Instability and Material Hardship: Results from the 2008 Survey of Income and Program Participation

This study used longitudinal, nationally representative data from the 2008 Survey of Income and Program Participation to explore how each of six sources of instability (employment shocks, household formation shocks, residential changes, income changes, household size changes, and disability shocks) impacted the key domains of material hardship (food insecurity and medical, housing and essential expense hardship). The study found that income shocks and having a person with a disability join the household were the only consistent triggers for all types of material hardship, and that overall, sources of instability had an asymmetrical impact on material hardship; that is, sources of instability did not help households when they were removed as much as they harmed households when introduced. These results provided a nuanced understanding of the household dynamics that result in economic and family instability in the US and provided new evidence regarding why some households were unable to cover basic needs.     

Does Self-control Predict Wealth Creation Among Young Baby Boomers?

Why similar people have different patterns of wealth accumulation is puzzling. The behavioral life-cycle hypothesis indicates self-control is an important aspect of household saving behavior. This study investigated if household wealth creation from 1994 to 2008 could be predicted by self-control among a sample of young baby boomers using National Longitudinal Survey of Youth (NLSY79) data. Variables that significantly predicted 2008 net worth included homeownership, 1994 net worth, income, bankruptcy filing, inheritance, education level, race, marital status, children, retirement planning activities, locus of control, and self-mastery. The addition of self-control predictors to a regression model improved the model’s ability to predict net worth by 1.3 % above and beyond the human capital, financial status, and demographic predictor variables. In total, the model explained 60 % of the variance in net worth. Findings indicated that individuals who invested in their human capital, were homeowners, and had higher self-control, accumulated more wealth.     

Household Debt and Adult Depressive Symptoms in the United States

This study used data from Waves 1 (1987–1989) and 2 (1992–1994) of the National Survey of Families and Households in the United States and a series of regression models, some of which included individual-specific fixed effects, to estimate associations of particular types and levels of debt with adult depressive symptoms. Results suggest that household debt is positively associated with greater depressive symptoms. However, this association appears to be driven by short-term (unsecured) debt; we found little evidence of associations with depressive symptoms for mid- or long-term debt. The link between short-term debt and depressive symptoms persisted with alternative estimation strategies, including defining debt in absolute and relative terms. Furthermore, this association was particularly concentrated among 51–64 year-old adults, those with a high school education or less, and those who were not stably married throughout the observation period. These findings suggest that short-term debt may have an adverse influence on psychological wellbeing, particularly for those who are less educated, approaching retirement age, or unmarried.     

Avian haemosporidian parasites in an urban forest and their relationship to bird size and abundance

Urbanization has been identified as a threat to biodiversity due to landscape modifications. Studies of parasite ecology in urbanized areas lagged behind those made on macro organisms. Here we studied infection prevalence of haemosporidian parasites in an avian community of an urban forest from Germany, and its relationship with bird abundance and body mass. We used PCR to amplify a fragment of the mtDNA cyt b gene to determine the infection status of birds, and bird point counts to determine bird relative abundances. The avifauna was dominated by two small sized insectivore passerines (Parus major, Cyanistes caeruleus), representing ~40 % of the total bird records. The highest haemosporidian prevalence was recorded for Turdus philomelos (100 %) and for Fringilla coelebs (75 %). Bird abundance and body mass were positively associated with infection status for two haemosporidian genera: Plasmodium and Leucocytozoon. Infection rate was lower in juveniles compared to adult birds. We recorded a total of 7 Plasmodium, 26 Haemoproteus, and 10 Leucocytozoon lineages. Avian malaria (P. relictum) was detected infecting 5 individuals of P. major, the most abundant species in the community. These results, together with those of previous studies at the same site, suggest that potentially any of the genetic haemosporidian lineages detected in this urban forest can be transmitted across native and pet bird species, and to species of conservation concern housed at aviaries.     

Large body size for metamorphic wood frogs in urban stormwater wetlands

Constructed wetlands in urban environments may be used by urban amphibian populations for breeding. Yet, few studies have examined the performance of young-of-the-year from created wetlands even though the success of terrestrial life stages is directly linked to the performance of individuals at the egg and larval stage. We assessed how early-stage amphibians developing within constructed stormwater wetlands compared in body size (one metric of performance) to those in nearby natural wetlands. We conducted surveys for wood frog, Lithobates sylvaticus, larvae and young-of-the-year metamorphs at 13 wetlands located in the City of Edmonton, Alberta, Canada and compared metamorph size (a useful metric for fitness and reproductive success) between constructed stormwater and two types of natural wetlands. We related body size to within-wetland parameters (reflecting water chemistry, thermal regimes and physical characteristics) and used an information-theoretic approach to identify predictors of metamorph body size. Abundances of egg masses, larvae and metamorphs were generally lower at stormwater than natural wetlands. Metamorphs exhibited larger body size in stormwater wetlands compared to natural wetlands. Low metamorph abundances and cool, stable water temperatures best explained large body size in stormwater metamorphs. We propose that with increasing urbanization and associated construction of artificial wetlands, size benefits in early developmental stages may help individuals cope with reduced habitat suitability in the terrestrial environment.