scholarly journals Testing the Effectiveness of a Future Selves Intervention for Increasing Retirement Saving: Evidence from a Field Experiment in Mexico

Author(s):  
Avni Shah ◽  
Hal Hershfield ◽  
David Munguia Gomez ◽  
Alissa Fishbane

Abstract One psychological barrier impeding saving behavior is the inability to fully empathize with one’s future self. Future self interventions have improved savings by helping people overcome this obstacle. Despite the promise of such interventions, previous research has focused predominantly on hypothetical contexts and western settings where the target sample has been predominantly undergraduate. Do interventions that encourage people to more concretely consider their future selves during retirement still have a positive effect on behavior in consequential, real-world savings decisions? Using a field experiment in Mexico (N = 7,603), where less than 1% make a voluntary savings contribution annually, we developed a low-cost, easy-to-implement intervention to test whether concrete thinking about one’s future life improves recurring retirement savings signups relative to a status quo, control group. We find that future self decision aids significantly improved the likelihood of signing up for an automatic recurring savings plan by nearly four times compared to the control.

2018 ◽  
Vol 10 (3) ◽  
pp. 401-417 ◽  
Author(s):  
Gabrielle Wong-Parodi ◽  
Baruch Fischhoff ◽  
Benjamin Strauss

Abstract Although the risks of flooding demand responses by communities and societies, there are also many cost-effective actions that individuals can take. The authors examine two potential determinants of such adoption: individual predisposition to act and the impact of decision aids that emphasize the risk, the actions, both, or neither (control). Respondents are a representative sample (N = 1201) of individuals in the areas most heavily affected by Superstorm Sandy in 2012. The authors find that, in the overall sample, seeing protective actions coupled with risk information or alone produced higher rates of individuals reporting that they intended to take action preparing for future storms, compared to a control group receiving no additional information. Moreover, that occurred despite the aids reducing their perceptions of risk. The authors find that individuals who reported having taken previous action are more responsive to decision aid messages with the exception of the combined message (risk and protective actions)—which had a positive effect on those who had not acted previously, but a negative effect on those who had. These results suggest that, in communities that already are aware of their flood risks, the critical need is for authoritative, comprehensible information regarding the most feasible and cost-effective protective actions that they can take. Providing such information requires analysis to determine which actions qualify and a design process that incorporates user feedback to ensure that recommendations are easily understood and credible.


2020 ◽  
Vol 12 (3) ◽  
pp. 226-254 ◽  
Author(s):  
Catherine Porter ◽  
Danila Serra

We conducted a field experiment aimed at increasing the percentage of women majoring in economics. We exposed students enrolled in introductory classes to successful and charismatic women who majored in economics at the same university. The intervention significantly impacted female students’ enrollment in further economics classes, increasing their likelihood to major in economics by 8 percentage points. This is a large effect, given that only 9 percent of women were majoring in economics at baseline. Since the impacted women were previously planning to major in lower-earning fields, our low-cost intervention may have a positive effect on their future incomes. (JEL A22, C93, I23, I26, J16)


2020 ◽  
Vol 12 (2) ◽  
pp. 1 ◽  
Author(s):  
Maria De Paola ◽  
Francesca Gioia ◽  
Fabio Piluso

Nudge policies are interventions that aim to guide the individual to behave according to the policy’s objectives without changing the option set or economic incentives. We ran a field experiment to investigate whether nudge policies, consisting in behavioural insight messaging, help to improve performance in financial trading. Our experiment involved students enrolled in a financial trading course in an Italian University who were invited to trade on Borsa Italiana’s virtual platform. Students were randomly assigned to a control group and a treatment group. Treated students received a message reminding them of the existence of behavioural biases in financial trading. We find that treated students significantly improve the performance of their portfolio. Several behaviours may explain the increase in performance. We find evidence pointing to a reduction in the home and status quo biases for risk averse nudged participants.


Author(s):  
E. L. Kuznetsova ◽  
L. A. Dultsev ◽  
E. V. Safin

Goal of research - the study aims to examine the osteopathic profi le of children with dysarthria and to develop recommendations for osteopathic correction of somatic dysfunctions in 2-3 year old children presenting this pathology.Materials and methods. 30 2-3 year old children with the symptoms of dysarthria took part in the research. All the children were divided into 2 groups: the control group of 15 children received standard treatment, and the experimental group of 15 children received both standard and osteopathic treatment. The dysarthria severity and the osteopathic profi le were evaluated with account of the number of somatic dysfunctions at global, regional, and local levels.Results. The osteopathic correction was shown to have a positive effect on dysarthria severity. The study established a correlation between the dysarthria severity in children and the number of somatic dysfunctions at the local level.Conclusion. The study suggests using osteopathic correction of somatic dysfunctions in the complex therapy of dysarthria in children.


2020 ◽  
Vol 4 (1) ◽  
pp. 62-95
Author(s):  
Daniele Artoni ◽  
Valentina Benigni ◽  
Elena Nuzzo

Over the last three decades, a growing number of studies have investigated the effects of instruction on the acquisition of pragmatic features in L2. The bulk of this research has focused mainly on the teaching of English as a second/foreign language. However, instructional pragmatic studies in L2-Russian are lacking. The main purpose of our study is to contribute towards filling this gap by analysing the effects of pragmatic instruction on the acquisition of two speech acts by Italian learners of Russian. Furthermore, we aim to explore whether the Multimodal Russian Corpus (MURCO), a multimedia subcorpus of the Russian National Corpus, can be an effective tool for teaching speech acts in L2-Russian. Our research was composed of one experimental group (n = 18) and one control group (n = 11); each was composed of two intact classes of Italian university students at an intermediate level of L2-Russian, who were pre- and post-tested using a written discourse completion task. The experimental group was subjected to a programme of pragmatic instruction – eight thirty-minute MURCO-based lessons devoted to requests and advice, while the control group was taught according to the standard syllabus, that is, with no pragmatic instruction. The results revealed that the use of the target pragmatic features varied significantly in the experimental group, but not in the control group, thus showing a general positive effect of the instructional treatment based on the MURCO corpus. However, some limitations were identified with regard to the usability of this tool by teachers and learners.


2020 ◽  
Vol 7 ◽  
Author(s):  
Xupeng Yuan ◽  
Jiahao Yan ◽  
Ruizhi Hu ◽  
Yanli Li ◽  
Ying Wang ◽  
...  

Recent evidences suggest that gut microbiota plays an important role in regulating physiological and metabolic activities of pregnant sows, and β-carotene has a potentially positive effect on reproduction, but the impact of β-carotene on gut microbiota in pregnant sows remains unknown. This study aimed to explore the effect and mechanisms of β-carotene on the reproductive performance of sows from the aspect of gut microbiota. A total of 48 hybrid pregnant sows (Landrace × Yorkshire) with similar parity were randomly allocated into three groups (n = 16) and fed with a basal diet or a diet containing 30 or 90 mg/kg of β-carotene from day 90 of gestation until parturition. Dietary supplementation of 30 or 90 mg/kg β-carotene increased the number of live birth to 11.82 ± 1.54 and 12.29 ± 2.09, respectively, while the control group was 11.00 ± 1.41 (P = 0.201). Moreover, β-carotene increased significantly the serum nitric oxide (NO) level and glutathione peroxidase (GSH-Px) activity (P < 0.05). Characterization of fecal microbiota revealed that 90 mg/kg β-carotene increased the diversity of the gut flora (P < 0.05). In particular, β-carotene decreased the relative abundance of Firmicutes including Lachnospiraceae AC2044 group, Lachnospiraceae NK4B4 group and Ruminococcaceae UCG-008, but enriched Proteobacteria including Bilophila and Sutterella, and Actinobacteria including Corynebacterium and Corynebacterium 1 which are related to NO synthesis. These data demonstrated that dietary supplementation of β-carotene may increase antioxidant enzyme activity and NO, an important vasodilator to promote the neonatal blood circulation, through regulating gut microbiota in sows.


2021 ◽  
Vol 11 (1) ◽  
Author(s):  
Anna Czech ◽  
Eugeniusz Ryszard Grela ◽  
Martyna Kiesz

AbstractThe aim of the study was to assess the effect of fermented dried soybean (FSBM) and/or fermented rapeseed meal (FRSM) in diets for weaned piglets on production results, nutrient digestibility, gastrointestinal tract histology, and the composition of the gut microbiota. Piglets in the control group received standard diets with soybean meal. Animals in all experimental groups received diets in which a portion of the soybean meal was replaced: in group FR—8% FRSM; in group FR/FS—6% FRSM and 2% FSBM; in group FS/FR—2% FRSM and 6% FSBM and in group FS—8% FSBM. The use of 8% FRSM or 6% FRSM and 2% FSBM in the piglet diets had a positive effect on average daily gains. Piglets from the FR and FR/FS groups had the highest feed conversion rate. Group FS/FR and FS piglets had significantly lower mortality and lower incidence of diarrhoea. Piglets fed a diet with the fermented components, in particular with 8% FRSM or 6% FRSM and 2% FSBM, exhibited a positive effect on the microbiological composition and histology of intestines, which resulted in improved nutrient digestibility coefficients (ATTD and AID).


2021 ◽  
Vol 13 (3) ◽  
pp. 1130
Author(s):  
Xiaoke Yang ◽  
Yuanhao Huang ◽  
Xiaoying Cai ◽  
Yijing Song ◽  
Hui Jiang ◽  
...  

Upcycled food, a new kind of food, provides an effective solution to reduce the food waste from the source on the premise of food security for human beings. However, the commercial success of upcycled food and its contribution to environmental sustainability are determined by consumers’ purchase intentions. In order to overcome consumers’ unfamiliarity with upcycled food and fear of new technology, based on the cue utility theory, we adopted scenario simulation through online questionnaires in three experiments to explore how mental simulation can improve consumers’ product evaluation and purchase intentions for upcycled food. Through ANOVA, the t-test, and the Bootstrap methods, the results showed that, compared with the control group, consumers’ product evaluation and purchase intentions for upcycled food in the mental simulation group significantly increased. Among them, consumers’ inspiration played a mediation role. The consumers’ future self-continuity could moderate the effect of mental simulation on consumers’ purchase intentions for upcycled food. The higher the consumers’ future self-continuity, the stronger the effect of mental simulation. Based on the above results, in the marketing promotion of upcycled food, promotional methods, such as slogans and posters, could be used to stimulate consumers, especially the mental simulation thinking mode of consumer groups with high future self-continuity, thus improving consumers’ purchase intentions for upcycled food.


2021 ◽  
Vol 11 (3) ◽  
pp. 407
Author(s):  
Sara Rinaldi ◽  
Maria Cristina Caselli ◽  
Valentina Cofelice ◽  
Simonetta D’Amico ◽  
Anna Giulia De Cagno ◽  
...  

Background. Language disorder is the most frequent developmental disorder in childhood and it has a significant negative impact on children’s development. The goal of the present review was to systematically analyze the effectiveness of interventions in children with developmental language disorder (DLD) from an evidence-based perspective. Methods. We considered systematic reviews, meta-analyses of randomized controlled trials (RCTs), control group cohort studies on any type of intervention aimed at improving children’s skills in the phono-articulatory, phonological, semantic-lexical, and morpho-syntactic fields in preschool and primary school children (up to eight years of age) that were diagnosed with DLD. We identified 27 full-length studies, 26 RCT and one review. Results. Early intensive intervention in three- and four-year-old children has a positive effect on phonological expressive and receptive skills and acquisitions are maintained in the medium term. Less evidence is available on the treatment of expressive vocabulary (and no evidence on receptive vocabulary). Intervention on morphological and syntactic skills has effective results on expressive (but not receptive) skills; however, a number of inconsistent results have also been reported. Only one study reports a positive effect of treatment on inferential narrative skills. Limited evidence is also available on the treatment of meta-phonological skills. More studies investigated the effectiveness of interventions on general language skills, which now appears as a promising area of investigation, even though results are not all consistent. Conclusions. The effectiveness of interventions over expressive and receptive phonological skills, morpho-syntactic skills, as well as inferential skills in narrative context underscores the importance that these trainings be implemented in children with DLD.


Author(s):  
Juan Pablo Pizarro-Ruiz ◽  
Nuria Ordóñez-Camblor ◽  
Mario Del-Líbano ◽  
María-Camino Escolar-LLamazares

Mindfulness-based interventions (MBI) are a recognized effective psychological practice characterized by attention control, awareness, acceptance, non-reactivity, and non-judgmental thinking obtained through the practice of meditation. They have been shown to be useful in reducing stress and enhancing well-being in different contexts. In this research, the effectiveness of an MBI was evaluated on variables that can promote successful job performance such as mindfulness trait, positive and negative affect, forgiveness, personality strengths and satisfaction with life. The intervention was carried out through a smartphone application called “Aire Fresco” (Fresh Air) during 14 days in the middle of the quarantine produced by the Covid-19 pandemic. The study sample was composed of 164 Spanish people who were distributed in two groups: control group and experimental group, which were evaluated before and after the intervention. The MANCOVA performed showed an overall positive effect of the intervention on the variables evaluated. The different ANCOVAs carried out showed that the intervention was beneficial in increasing mindfulness trait, reducing negative affect or increasing life satisfaction, among others. Our study is, as far as we know, the first to demonstrate the effectiveness of a brief intervention in mindfulness conducted using a smartphone application in Spanish.


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