How Am I Doing? Perceived Financial Well-Being, Its Potential Antecedents, and Its Relation to Overall Well-Being

2017 ◽  
Vol 45 (1) ◽  
pp. 68-89 ◽  
Author(s):  
Richard G Netemeyer ◽  
Dee Warmath ◽  
Daniel Fernandes ◽  
John G Lynch
Keyword(s):  
Large Scale ◽  
Health Assessment ◽  
Well Being ◽  
Money Management ◽  
Financial Security ◽  
Life Domains ◽  
Sense Of Security ◽  
Financial Domain ◽  
Definition Of ◽  
Financial Narratives

Abstract Though perceived financial well-being is viewed as an important topic of consumer research, the literature contains no accepted definition of this construct. Further, there has been little systematic examination of how perceived financial well-being may affect overall well-being. Using consumer financial narratives, several large-scale surveys, and two experiments, we conceptualize perceived financial well-being as two related but separate constructs: 1) stress related to the management of money today (current money management stress), and 2) a sense of security in one’s financial future (expected future financial security). We develop and validate measures of these constructs (web appendix A) and then demonstrate their relationship to overall well-being, controlling for other life domains and objective measures of the financial domain. Our findings demonstrate that perceived financial well-being is a key predictor of overall well-being and comparable in magnitude to the combined effect of other life domains (job satisfaction, physical health assessment, and relationship support satisfaction). Further, the relative importance of current money management stress to overall well-being varies by income groups and due to the differing antecedents of current money management stress and expected future financial security. Implications for financial well-being and education efforts are offered.

Consumer Meaning Making: The Meaning of Luxury Brands in a Democratised Luxury World

2013 ◽  
Vol 55 (3) ◽  
pp. 391-412 ◽  
Author(s):  
Liselot Hudders ◽  
Mario Pandelaere ◽  
Patrick Vyncke
Keyword(s):  
Large Scale ◽  
Meaning Making ◽  
Well Being ◽  
Luxury Brands ◽  
Luxury Brand ◽  
Brand Meaning ◽  
Individual Difference Variables ◽  
Consumer Perspective ◽  
Universal Definition ◽  
Definition Of

The nature of luxury is constantly changing and this makes it difficult to formulate a universal definition of luxury brands. The current paper aims to enrich the understanding of luxury brand meaning from a consumer perspective. In particular, this paper investigates consumers' perceptions of luxury brands based on the extent to which they associate various attributes to luxury brands. A large-scale survey in the Flemish part of Belgium reveals three facets of luxury brand meaning: an expressive facet that refers to the exclusivity of luxury brands, an impressive-functional facet that refers to premium quality and an impressiveemotional facet that refers to extraordinary aesthetic aspects. In addition, the current study distinguishes three consumer segments (i.e. impressive, expressive and mixed segment) that differ from each other for the importance they attach to these facets of luxury brand meaning. The impressive segment associates luxury brand meaning with both impressive-functional and impressive-emotional facets, while the expressive segment associates luxury brand meaning with the expressive facet, rather than with impressive facets. The third segment, mixed group, thinks both expressive and impressive facets of luxury brand meaning need to be present before a brand can be categorised as luxury brand. In addition, the current study extends previous segmentations by providing a detailed profile of the segments. In particular, this study shows that the views are differentially related to both individual difference variables and various aspects of individual well-being (i.e. self-esteem and negative affect).

scholarly journals ASSESSMENT OF THE FINANCIAL SSESSMENT OF THE FINANCIAL SECURITY LEVEL OF UKRAINE

2021 ◽  
Vol 17 (6) ◽  
pp. 3-12
Author(s):  
O. KALINICHENKO ◽  
V. LESYUK
Keyword(s):  
National Economy ◽  
Large Scale ◽  
Foreign Currency ◽  
Well Being ◽  
The State ◽  
Security Level ◽  
Financial Security ◽  
Mathematical Methods ◽  
Security Strategy ◽  
Banking Systems

Introduction. In the context of the development of globalization processes and the integration of the national economy into the global financial space, the issue of forming the financial security of Ukraine becomes increasingly important. It affects and links together all sectors of the national economy, business entities, society, politics, finance, etc.Problem Statement. At the present stage of Ukraine's economic development, one of the primary task of government policy is to ensure the financial security of the state, after all, its ensuring aims at overcoming the economic crisis and improving the well-being of Ukrainian citizens.Purpose. The assessment of the financial, monetary, and banking systems of Ukraine as well as the development of practically significant proposals are necessary for ensuring the financial security of Ukraine.Materials and Methods. The analytical material is the data of the National Bank of Ukraine, which have been studied by economic and mathematical methods, statistical and indicative analysis.Results. It has been determined that the state budget imbalance is the main destabilizing factor of the crisis in public finance. The dynamics of the number of banks in Ukraine have been studied: despite a decrease in the number of banks with foreign capital, their share in recent years has increased significantly, which hinders theeffective development of the banking system of Ukraine. A significant underestimation of the domestic currency and large-scale devaluations in the previous years created unfavorable conditions for Ukrainian exporters, which resulted in a foreign trade balance deficit, an outflow of foreign currency and, accordingly, a decrease in theforeign exchange reserves.Conclusions. The financial security strategy should determine the prospects for ensuring the stability of the financial, monetary, and banking systems and the development of the national economy. The implementation of financial, currency, credit measures, the adoption of amendments to the legislative framework, and the development of a financial security strategy for Ukraine become increasingly important, given the problems that exacerbate the financial security of Ukraine.

Personal factors as antecedents of perceived financial well-being: evidence from Brazil

2019 ◽  
Vol 37 (4) ◽  
pp. 1004-1024 ◽  
Author(s):  
Mateus Canniatti Ponchio ◽  
Rafaela Almeida Cordeiro ◽  
Virginia Nicolau Gonçalves
Keyword(s):  
Financial Education ◽  
Well Being ◽  
Two Dimensions ◽  
Future Research ◽  
Money Management ◽  
Financial Security ◽  
Personal Factors ◽  
Content Type ◽  
Personal Saving ◽  
The Impact

Purpose The purpose of this paper is to explore the impact of consumer spending self-control (CSSC), personal saving orientation (PSO), materialism, financial knowledge (FK) and time perspective (TP) on Brazilian consumers’ perceived financial well-being. Design/methodology/approach A conceptual framework is provided to support the research hypotheses. A survey with 1,027 respondents allowed the research hypotheses to be tested by means of regression-based models. Findings The findings show that the two dimensions of financial well-being – current money management stress and future financial security – are predicted by CSSC, materialism and TP; PSO also predicts future financial security. TP moderates the effect of materialism on current money management stress, and CSSC mediates this relationship. Research limitations/implications The role of FK in predicting financial well-being is weakened in the presence of the psychological variables investigated, which has important implications for financial education efforts. The use of survey data alone limits the research findings, as the advocated causal relationships are based solely on theory; gathering experimental data to further support the findings is a possibility for future research. Practical implications Banks and other financial institutions can create tools to stimulate control of their customers’ day-to-day spending and try to show assertive projections to evidence the impact of their present actions on their financial future, enhancing personal awareness and promoting overall well-being. Originality/value The authors advance knowledge on the antecedents of financial well-being and offer two explanations involving moderating and mediating relationships that enhance the understanding of the individual differences that shape current money management stress.

scholarly journals Abuse, Mental State, and Health Factors Pre and during the COVID-19 Pandemic: A Comparison among Clinically Referred Adolescents in Ontario, Canada

2021 ◽  
Vol 18 (19) ◽  
pp. 10184
Author(s):  
Shannon L. Stewart ◽  
Ashley Toohey ◽  
Angela Celebre ◽  
Jeff W. Poss
Keyword(s):  
Mental Health ◽  
Emotional Abuse ◽  
Large Scale ◽  
Alcohol Intoxication ◽  
Health Assessment ◽  
Population Data ◽  
Well Being ◽  
Children And Youth ◽  
Clinically Referred ◽  
The Impact

Throughout the COVID-19 pandemic, population surveys revealed increased levels of anxiety and depression, while findings from large-scale population data analyses have revealed mixed findings with respect to the mental health consequences for children and youth. The purpose of this study was to examine the impact of the COVID-19 pandemic on the well-being and health-compromising behaviors of adolescents (12–18 years) previously referred for mental health services. Data were collected (pre-pandemic n = 3712; pandemic n = 3197) from mental health agencies across Ontario, Canada using the interRAI Child and Youth Mental Health assessment. Our findings revealed no increased incidence of witnessing domestic violence nor experiencing physical, sexual, or emotional abuse. Further, there were no increases in the risk of self-harm and suicide, anxiety, or depression among our sample of clinically referred youth. Finally, results demonstrated no increase in problematic videogaming/internet use, disordered eating, or alcohol intoxication, and a decrease in cannabis use. Our findings add to the growing body of knowledge as to the impact of the COVID-19 pandemic on children and youth. Further, findings underscore the importance of understanding the nuanced impact of the pandemic on various subgroups of children, youth, and families and highlight the need for continued monitoring of outcomes for these children and youth.

Immigrant Youth in Germany

2013 ◽  
Vol 18 (3) ◽  
pp. 158-168 ◽  
Author(s):  
Emily Frankenberg ◽  
Katharina Kupper ◽  
Ruth Wagner ◽  
Stephan Bongard
Keyword(s):  
School System ◽  
Large Scale ◽  
Age Groups ◽  
Well Being ◽  
Ethnic Discrimination ◽  
Emotional And Behavioral Problems ◽  
Sociocultural Adaptation ◽  
Age Related ◽  
German School ◽  
Transcultural Adaptation

This paper reviews research on young migrants in Germany. Particular attention is given to the question of how Germany’s history of migration, immigration policies, and public attitude toward migrants influence the transcultural adaptation of children and adolescents from different ethnic backgrounds. We combine past research with the results of new empirical studies in order to shed light on migrants’ psychological and sociocultural adaptation. Studies comparing young migrants and their German peers in terms of psychological well-being, life satisfaction, and mental health outcome suggest higher rates of emotional and behavioral problems among migrants of most age groups. With regard to adolescent populations between the ages of 14 and 17 years, however, the existence of differences between migrants and natives appears to be less clear. Research has also yielded inconsistent findings regarding the time trajectory of transcultural adaptation among adolescents. The coincidence of acculturation and age-related change is discussed as a possible source of these inconsistencies. Further, we provide an overview of risk and protective factors such as conflicting role expectations and ethnic discrimination, which may cause heightened vulnerability to adverse adaptation outcomes in some groups. Large-scale studies have repeatedly shown migrants of all age groups to be less successful within the German school system, indicating poor sociocultural adaptation. Possible explanations, such as the idiosyncrasies of the German school system, are presented. Our own studies contribute to the understanding of young migrants’ adaptation process by showing that it is their orientation to German culture, rather than the acculturation strategy of integration, that leads to the most positive psychological and sociocultural outcomes. The paper concludes by discussing implications for future cross-cultural research on young migrants and by suggesting recommendations for multicultural policies.

SenCity – Evaluating Users’ Experiences of Intelligent Lighting for Well-Being in Smart Cities

2018 ◽  
pp. 60-67
Author(s):  
Henrika Pihlajaniemi ◽  
Anna Luusua ◽  
Eveliina Juntunen
Keyword(s):  
Case Studies ◽  
Smart City ◽  
Smart Cities ◽  
Well Being ◽  
Evaluation Methods ◽  
Data Analyses ◽  
Sense Of Security ◽  
System Data

This paper presents the evaluation of usersХ experiences in three intelligent lighting pilots in Finland. Two of the case studies are related to the use of intelligent lighting in different kinds of traffic areas, having emphasis on aspects of visibility, traffic and movement safety, and sense of security. The last case study presents a more complex view to the experience of intelligent lighting in smart city contexts. The evaluation methods, tailored to each pilot context, include questionnaires, an urban dashboard, in-situ interviews and observations, evaluation probes, and system data analyses. The applicability of the selected and tested methods is discussed reflecting the process and achieved results.

CONCEPT OF THE IMPROVEMENT OF A KEY PUBLIC SPACE (USING THE EXAMPLE OF «ALLEY OF ARCHITECTS», VORONEZH)

2020 ◽  
pp. 97-109
Author(s):  
С. Л. Подвальный ◽  
О. А. Сотникова ◽  
Я. А. Золотухина
Keyword(s):  
Urban Environment ◽  
Public Space ◽  
Large Scale ◽  
Economic Value ◽  
Ecological Condition ◽  
Territory Design ◽  
Definition Of ◽  
The City ◽  
Modern Technologies ◽  
Intensive Growth

Постановка задачи. В настоящее время формирование современной комфортной городской среды приобретает особое социально-экономическое значение и выдвигается в число приоритетных государственных масштабных программ. В связи с этим необходимо разработать концепцию благоустройства ключевого общественного пространства, а именно: определить основные и сопутствующие функции данной территории, создать эскизное предложение проекта благоустройства с учетом всех необходимых норм и стандартов, внедрить современные технологии. Результаты. Выполнен эскизный дизайн-проект «Аллеи архитекторов» по ул. Орджоникидзе г. Воронеж, включающий в себя основные элементы по зонированию территории, проектированию акцентных объектов и внедрению инновационных технологий «умного города», позволяющих повысить уровень комфорта горожан. Выводы. Благоустройство населенных мест приобретает особое значение в условиях дискомфорта среды. С выполнением комплекса мероприятий, направленных на благоустройство, и с внедрением современных технологий значительно улучшается экологическое состояние, внешний облик города. Оздоровление и модернизация среды, которая окружает человека в городе, благотворно влияет на психофизическое состояние, что особенно важно в период интенсивного роста городов. Statement of the problem. Currently the formation of the modern comfortable urban environment is gaining a special social and economic value and moving forward in the priorities of state large-scale programs. The purpose of development of the concept of improvement of public space is definition of the main and accompanying functions of this territory, design of the outline offer of the project of improvement considering all necessary norms and standards and implementation of modern technologies. Results. The conceptual project of “Alley of Architects” includes the basic elements of territory zoning, design of accent objects and implementation of technologies of a “smart-city”. These elements allow one to increase the level of comfort of inhabitants. Conclusions. Improvement of the inhabited places is of particular importance in the conditions of discomfort of the environment. Carrying out a complex of the actions directed to gardening and improvement, introducing modern technologies, the ecological condition, the physical appearance of the city considerably improves. Improvement and modernization of the environment which surrounds the person in the city influences a psychophysical state well that especially important during intensive growth of the cities.

Bottlenecks in the Implementation of On-Site Wastewater Treatment Plants on a Large Scale in The Netherlands

1990 ◽  
Vol 22 (3-4) ◽  
pp. 291-298
Author(s):  
Frits A. Fastenau ◽  
Jaap H. J. M. van der Graaf ◽  
Gerard Martijnse
Keyword(s):  
Wastewater Treatment ◽  
The Netherlands ◽  
Large Scale ◽  
Wastewater Treatment Plants ◽  
Housing Stock ◽  
Research Work ◽  
Field Research ◽  
Domestic Wastewater ◽  
Research Programme ◽  
Definition Of

More than 95 % of the total housing stock in the Netherlands is connected to central sewerage systems and in most cases the wastewater is treated biologically. As connection to central sewerage systems has reached its economic limits, interest in on-site treatment of the domestic wastewater of the remaining premises is increasing. A large scale research programme into on-site wastewater treatment up to population equivalents of 200 persons has therefore been initiated by the Dutch Ministry of Housing, Physical Planning and Environment. Intensive field-research work did establish that the technological features of most on-site biological treatment systems were satisfactory. A large scale implementation of these systems is however obstructed in different extents by problems of an organisational, financial and/or juridical nature and management difficulties. At present research is carried out to identify these bottlenecks and to analyse possible solutions. Some preliminary results are given which involve the following ‘bottlenecks':-legislation: absence of co-ordination and absence of a definition of ‘surface water';-absence of subsidies;-ownership: divisions in task-setting of Municipalities and Waterboards; divisions involved with cost-sharing;-inspection; operational control and maintenance; organisation of management;-discharge permits;-pollution levy;-sludge disposal. Final decisions and practical elaboration of policies towards on-site treatment will have to be formulated in a broad discussion with all the authorities and interest groups involved.

Approaches to the definition of territorial backwardness in the regional development management

2020 ◽  
Vol 93 (4) ◽  
pp. 60-73
Author(s):  
E. B. Veprikova ◽  
◽  
A. A. Kislenok ◽  
Keyword(s):  
Economic Growth ◽  
Public Policy ◽  
Russian Far East ◽  
Far East ◽  
Well Being ◽  
Spatial Development ◽  
Territorial Development ◽  
Development Management ◽  
Gradual Process ◽  
Definition Of

Reducing the level of interregional differentiation is one of the problems in spatial development management according to the Spatial Development Strategy of the Russian Federation. Presence of significant regional imbalances hampers formation of a common economic, social, cultural, and institutional space and lead to a creation of backward territories which lag behind in the development. The focus of public policy measures on the centers of economic growth, with the concentration of financial and labor resources, without solving the problems of backward territories does not bring the expected effect – overall development and well-being. Local effects in the absence of positive changes in other territories result in the increase in imbalances, which limit the overall effectiveness of the public policy. At the same time, a steadily increasing lag may cause a loss of potential of economic growth and thus forms backward territories. The creation of territorial backwardness is a gradual process. Therefore, diagnosing the state of the territory and identifying the signs of increasing depression is an essential issue of public administration. The article presents the main approaches to the definition of territorial backwardness used in the Russia and overseas, it also reviews the determinants of backward territories. Different methods for identification of backwardness in the territorial development have been tested on the basis of the regions of the Russian Far East.

Random graphs

2018 ◽  
Author(s):  
Mark Newman
Keyword(s):  
Random Graph ◽  
Random Graphs ◽  
Large Scale ◽  
Random Network ◽  
Graph Model ◽  
Clustering Coefficient ◽  
Giant Component ◽  
Random Graph Model ◽  
Definition Of ◽  
Average Size

An introduction to the mathematics of the Poisson random graph, the simplest model of a random network. The chapter starts with a definition of the model, followed by derivations of basic properties like the mean degree, degree distribution, and clustering coefficient. This is followed with a detailed derivation of the large-scale structural properties of random graphs, including the position of the phase transition at which a giant component appears, the size of the giant component, the average size of the small components, and the expected diameter of the network. The chapter ends with a discussion of some of the shortcomings of the random graph model.

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