scholarly journals Debt Close to Retirement and its Implications for Retirement Well-being

2020 ◽  
pp. 15-34
Author(s):  
Annamaria Lusardi ◽  
Olivia S. Mitchell ◽  
Noemi Oggero
Keyword(s):  
Financial Sector ◽  
Well Being ◽  
Standard Of Living ◽  
Financial Capability ◽  
Older Americans ◽  
Saving Plan ◽  
Retirement Saving ◽  
Different Types ◽  
Using Data

Our chapter aims to analyze debt among pre-retirees and its implications for retirement well-being using data from three waves of the National Financial Capability Study (NFCS). In particular, we will analyze what kinds of debt people carry into older ages and how different types of debt are related to older Americans’ ability to save for retirement. Moreover, we will investigate older Americans’ understanding of debt and its consequences by analyzing their level of financial sophistication. For instance, managing debt can be especially difficult for people who do not know the power of interest compounding or do not have the financial savvy to plan for retirement or execute a retirement saving plan. Our analysis is intended to better guide financial sector practitioners as well as policymakers seeking to help older Americans better prepare for retirement and sustain a reasonable standard of living in retirement.

Race, Socioeconomic Status, and the Subjective Well-Being of Older Americans

1987 ◽  
Vol 25 (1) ◽  
pp. 43-61 ◽  
Author(s):  
Brad McKenzie ◽  
James Campbell
Keyword(s):  
Life Satisfaction ◽  
Health Status ◽  
Policy Development ◽  
Well Being ◽  
Two Dimensions ◽  
Subjective Well Being ◽  
Older Americans ◽  
Using Data ◽  
Self Assessed Health ◽  
Intervening Variables

Causal examination of factors influencing life satisfaction among older Americans can provide knowledge important to social policy development. Using rotated factor analysis, this study isolates two dimensions of life satisfaction, labeled happiness and morale, using data from the 1981 Harris survey on aging. Race, SES characteristics, and the two intervening variables of self-assessed health status and problems experienced are tested through path analysis on the two attributes of life satisfaction. Most of the effects of race and SES are mediated by self-assessed health status and problems experienced, and these two intervening variables are the strongest direct predictors of happiness and morale. Of particular significance are results which demonstrate that racial background has a strong influence on problems experienced, and that education is more influential than income on the life satisfaction factors tested in this study.

scholarly journals Within-person variability in state anxiety across adulthood: Magnitude and associations with between-person characteristics

2009 ◽  
Vol 33 (1) ◽  
pp. 55-64 ◽  
Author(s):  
Denis Gerstorf ◽  
Karen L. Siedlecki ◽  
Elliot M. Tucker-Drob ◽  
Timothy A. Salthouse
Keyword(s):  
Individual Difference ◽  
State Anxiety ◽  
Well Being ◽  
Short Term ◽  
Measurement Occasion ◽  
Different Types ◽  
Reported Health ◽  
Person Characteristics ◽  
Using Data ◽  
Short Term Variability

Across domains of functioning, research has shown substantial within-person variability in a number of different types of variables from one measurement occasion to another. Using data obtained from a large sample ( n = 784, 18—97 years) at three separate occasions, we examined properties and correlates of short-term variability in a construct that by definition is prone to fluctuations, namely state anxiety. Our results revealed that participants exhibited sizeable across-occasion variation in state anxiety. The magnitude of variability was unrelated to age, but was associated with a number of individual difference characteristics such as self-reported health, aspects of personality, well-being, and cognition. However, after taking into account mean-level differences in state anxiety, evidence for unique associations of variability was minimal.

scholarly journals Disability Type, Financial Capability, and Risky Asset Holding

2020 ◽  
pp. 104420732098178
Author(s):  
Jing Jian Xiao ◽  
Barbara O’Neill
Keyword(s):  
Well Being ◽  
The United States ◽  
Risky Asset ◽  
Financial Behavior ◽  
Financial Capability ◽  
Risky Assets ◽  
Mentally Disabled ◽  
Asset Holding ◽  
Using Data ◽  
Objective Financial Knowledge

Risky financial asset holding is considered an indicator of financial well-being because risky asset holders are likely to accumulate more wealth than nonholders. Like the general population in the United States, many people with disabilities need long-term financial planning services. The purpose of this study was to examine whether disability type and financial capability are associated with risky asset holding of adults with disabilities. Using data from the 2015 National Financial Capability Study, we found that adults with different types of disabilities have different chances of holding risky assets. After controlling for financial capability, income, and other variables in the logistical model, people who are deaf or have difficulties running errands are more likely, while people with a work disability are less likely, than the mentally disabled to hold risky financial assets. In addition, two financial capability variables, objective financial knowledge, and desirable financial behavior, are positively associated with risky asset holding after controlling for other factors. Several disabilities, financial capability, and other factors showed differences in risky asset holding when lower-income and higher-income subsamples were examined.

MODEL UNTUK MENILAI KESIAPAN PEMDA “DKI JAKARTA” DALAM PENGEMBANGAN WILAYAH BERBASIS DUNIA USAHA

2012 ◽  
Vol 11 (1) ◽  
Author(s):  
Puguh Suharso
Keyword(s):  
Data Gathering ◽  
Business Environment ◽  
Standard Of Living ◽  
Achievement Level ◽  
Global Competitiveness ◽  
The People ◽  
Frame Work ◽  
Using Data ◽  
Level Of Effort ◽  
Research Analysis

Globalisation era is surely passed on and to lead the people of the world into social interactive one another and also economical competitiveness. How far is DKI Jakarta Government preparing to be up against the global competitiveness in the frame-work to manifest improving the standard of living like advanced of society. There are some of indicators to be used as well as criterion to measure an achievement level of effort to be advanced of society, i.e infrastructure which needed by entrepreneur like : permission, taxation, laboract, traffic road, customs and harbor, publics infrastructure servicing, landuse, security condition, business financial access, and business environment condition. It was the research analysis be done by using data gathering from entrepreneur opinion at the operational area. The aim of research analysis is to measure how level of each indicator value has DKI Jakarta Government prepared to be up against the global competitiveness ? The research conclusion says that : DKI Jakarta Government has well enough prepared to be up against the global competitiveness. The weakness indicator is just taxation because its category included in bad (goodless) while the other indicators are well enough. The measuring parameters due to weakness taxationare time necessity for servicing to arrange tax, amount and various of region retribution, amount and various of region tax, and clarity of tax arrangement prucedure.

Sexual harassment and psychological complaints: student- and class-level associations

2020 ◽  
Vol 30 (Supplement_5) ◽  
Author(s):  
S Brolin Låftman ◽  
Y Bjereld ◽  
B Modin ◽  
P Löfstedt
Keyword(s):  
School Climate ◽  
Sexual Harassment ◽  
Linear Regression Analysis ◽  
Well Being ◽  
Negative Effects ◽  
School Class ◽  
School Aged Children ◽  
The Past ◽  
Class Level ◽  
Using Data

Abstract Background Students who are subjected to sexual harassment at school report lower psychological well-being than those who are not exposed. Yet, it is possible that the occurrence of sexual harassment in the school class is stressful also for those who are not directly targeted, with potential negative effects on well-being for all students. The aim was to examine whether sexual harassment at the student- and at the class-level was associated with students' psychological complaints. Methods Data from the Swedish Health Behaviour in School-aged Children (HBSC) of 2017/18 was used, with information from students aged 11, 13 and 15 years (n = 3,720 distributed across 209 classes). Psychological complaints were constructed as a summative index of four items capturing how often the student had felt low, felt irritable or bad tempered, felt nervous, or had difficulties to fall asleep, during the past six months (Cronbach's alpha=0.78). Sexual harassment at the student-level was measured by one item concerning bullying at school: “Other students have exposed me to sexual jokes”. Students who reported that this had happened at least “2 or 3 times a month” were classified as exposed to sexual harassment at school. Sexual harassment at the class-level was defined as the school class proportion of students exposed to sexual harassment, reported in per cent. Two-level linear regression analysis was applied. Results Students who had been exposed to sexual harassment had higher levels of psychological complaints (b = 2.74, p < 0.001). The proportion of students in the school class who had been exposed to sexual harassment was also associated with higher levels of psychological complaints, even when adjusting for sexual harassment at the student-level, gender and grade (b = 0.03, p = 0.015). Conclusions Sexual harassment is harmful for those who are exposed, but may also affect other students negatively. Thus, a school climate free from sexual harassment will profit all students. Key messages Using data collected among students aged 11, 13 and 15 years, this study showed that sexual harassment at the student- and class-level was associated with higher levels of psychological complaints. Sexual harassment is harmful for those who are exposed, but may also affect other students negatively. Thus, a school climate free from sexual harassment will profit all students.

scholarly journals The impact of poly-traumatization on treatment outcomes in young people with substance use disorders

2021 ◽  
Vol 21 (1) ◽  
Author(s):  
Sidsel Karsberg ◽  
Morten Hesse ◽  
Michael Mulbjerg Pedersen ◽  
Ruby Charak ◽  
Mads Uffe Pedersen
Keyword(s):  
Substance Use ◽  
Substance Use Disorders ◽  
Psychological Trauma ◽  
Well Being ◽  
Traumatic Experiences ◽  
Treatment Entry ◽  
Trauma Types ◽  
Using Data ◽  
The Impact ◽  
Drug Use Disorder

Abstract Background It is believed that clients with psychological trauma experiences have a poor prognosis with regard to treatment participation and outcomes for substance use disorders. However, knowledge on the effect of the number of trauma experiences is scarce. Methods Using data from drug use disorder (DUD) treatment in Denmark, we assessed the impact of having experienced multiple potentially traumatic experiences on DUD treatment efficacy. Baseline and follow-up data from 775 young participants (mean age = 20.2 years, standard deviation = 2.6) recruited at nine treatment centers were included in analyses. Results Analyses showed that participants who were exposed multiple trauma experiences also reported a significantly higher intake of cannabis at treatment entry, and a lower well-being score than participants who reported less types or no types of victimization experiences. During treatment, patients with multiple types of trauma experiences showed a slower rate of reduction of cannabis than patients with few or no trauma experiences. The number of trauma types was not associated with number of sessions attended or the development of well-being in treatment. Conclusion Overall, the results show that although traumatized youth in DUD treatment show up for treatment, helping them to reduce substance use during treatment is uniquely challenging. Trial registration ISRCTN88025085, date of registration: 29.08.2016, retrospectively registered.

scholarly journals The Effects of Roadside Woody Vegetation on the Surface Temperature of Cycle Paths

Land ◽  
2021 ◽  
Vol 10 (5) ◽  
pp. 483
Author(s):  
Nikola Žižlavská ◽  
Tomáš Mikita ◽  
Zdeněk Patočka
Keyword(s):  
Solar Radiation ◽  
Surface Temperature ◽  
Well Being ◽  
Road Surface ◽  
Woody Vegetation ◽  
Surface Model ◽  
Main Hypothesis ◽  
Roadside Vegetation ◽  
Different Types ◽  
Aerial Vehicle

The article is on the effects of woody vegetation growing on the roadside on the temperature of the surface of cycle paths. The main hypothesis of the study is that vegetation has the effect of lowering the temperature of the surroundings in its shadow and thus improves the comfort of users of cycle paths in the summer months. The second hypothesis is to find out which type of road surface is most suitable for the thermal well-being of users. This goal was achieved by measuring the temperature of selected locations on cycle paths with different types of construction surfaces with nearby woody vegetation using a contactless thermometer over several days at regular intervals. The positions of the selected locations were measured using GNSS and the whole locality of interest was photographed using an unmanned aerial vehicle (UAV), or drone, and subsequently a digital surface model (DSM) of the area was created using a Structure from Motion (SfM) algorithm. This model served for the calculation of incident solar radiation during the selected days using the Solar Area Graphics tool with ArcGIS software. Subsequently, the effect of the shade of the surrounding vegetation on the temperature during the day was analysed and statistically evaluated. The results are presented in many graphs and their interpretation used to evaluate the effects of nearby woody vegetation and the type of road surface on the surrounding air temperature and the comfort of users of these routes. The results demonstrate the benefits of using UAVs for the purpose of modelling the course of solar radiation during the day, showing the effect of roadside vegetation on reducing the surface temperature of the earth’s surface and thus confirming the need for planting and maintaining such vegetation.

Confinement risks and social inequality in Latin America: Evidence from Argentina

2021 ◽  
pp. 001139212199001
Author(s):  
Fiorella Mancini
Keyword(s):  
Latin America ◽  
Social Inequality ◽  
Social Inequalities ◽  
Well Being ◽  
Vulnerable Groups ◽  
Cultural Aspects ◽  
Sociological Approach ◽  
Using Data ◽  
The Relationship ◽  
Health And Well Being

Social distancing and isolation measures in response to COVID-19 have confined individuals to their homes and produced unexpected side-effects and secondary risks. In Latin America, the measures taken by individual governments to mitigate these new daily and experiential risks have varied significantly as have the responses to social isolation in each country. Given these new social circumstances, the purpose of this article is to investigate, from the sociological approach of risk-taking, the relationship between confinement, secondary risks and social inequality. The author argues that secondary risks, despite their broad scope, are deeply structured by social inequalities in contemporary societies, especially in developing countries. To corroborate this hypothesis, a quantitative comparative analysis is performed for the Argentine case. Using data from a web-survey and correspondence analysis (CA), there are three major findings: (1) there are some widespread experiences similarly distributed across all social strata, especially those related to emotional and subjective matters; (2) other risks follow socio-structural inequalities, especially those corresponding to material and cultural aspects of consumption; (3) for specific vulnerable groups, compulsory confinement causes great dilemmas of decision-making between health and well-being.

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