scholarly journals In search of determinants of time-discounting in monetary choices: Personal characteristics matter only a little

2021 ◽  
Author(s):  
Lenka Vargová ◽  
Matus Adamkovic
Keyword(s):  
Financial Literacy ◽  
Small Proportion ◽  
Cognitive Abilities ◽  
Contextual Factors ◽  
Personal Characteristics ◽  
Self Control ◽  
General Tendency ◽  
Regression Analyses ◽  
Time Discounting ◽  
Financial Situation

Time-discounting in monetary choices is determined by the aspects related to the reward, contextual factors, and characteristics of a person. In the present study (Ntotal = 1134), we examined how well do personal characteristics (sociodemographic, financial situation, self-control, cognitive abilities, negative experiencing, and trustfulness) predict time-discounting in both hypothetical and real reward scenarios. The results of the regression analyses indicate that the characteristics of a person explain only a small proportion of the variance in time-discounting (R2 ranged from .10 to .19). The only substantive predictors of time-discounting in monetary choices were financial literacy and a general tendency to delay gratification. We conclude that there still is much work to be done in explaining what determines time-discounting, however, we suggest shifting the focus from the personal characteristics to the characteristics of the reward and contextual factors.

scholarly journals In search of determinants of time-discounting in monetary choices: Personal characteristics matter only a little

2021 ◽  
Author(s):  
Lenka Vargová ◽  
Matus Adamkovic
Keyword(s):  
Financial Literacy ◽  
Small Proportion ◽  
Cognitive Abilities ◽  
Contextual Factors ◽  
Personal Characteristics ◽  
Self Control ◽  
General Tendency ◽  
Regression Analyses ◽  
Time Discounting ◽  
Financial Situation

Time-discounting in monetary choices is determined by the aspects related to the reward, contextual factors, and characteristics of a person. In the present study (Ntotal = 1134), we examined how well do personal characteristics (sociodemographic, financial situation, self-control, cognitive abilities, negative experiencing, and trustfulness) predict time-discounting in both hypothetical and real reward scenarios. The results of the regression analyses indicate that the characteristics of a person explain only a small proportion of the variance in time-discounting (R2 ranged from .10 to .19). The only substantive predictors of time-discounting in monetary choices were financial literacy and a general tendency to delay gratification. We conclude that there still is much work to be done in explaining what determines time-discounting, however, we suggest shifting the focus from the personal characteristics to the characteristics of the reward and contextual factors.

scholarly journals Personality Characteristics in the Mid-Forties Predict Women's Smoking Cessation in Their Mid-Sixties

2013 ◽  
Vol 113 (3) ◽  
pp. 921-929 ◽  
Author(s):  
J. S. Brook ◽  
C. Zhang ◽  
E. B. Balka ◽  
N. Seltzer ◽  
D. W. Brook
Keyword(s):  
Smoking Cessation ◽  
Logistic Regression ◽  
Sensation Seeking ◽  
Personal Characteristics ◽  
Self Control ◽  
Personality Characteristics ◽  
Regression Analyses ◽  
Multivariate Logistic Regression ◽  
Quitting Smoking ◽  
Low Self Control

This study examined whether personality characteristics measured when a woman is in her mid-40s can predict success in sustained smoking cessation 22 years later, when the woman is in her mid-60s. Multivariate logistic regression analyses were conducted on data from a sample of 195 women ( M ages 43 and 65, respectively), who were regular smokers and participated in a longitudinal study from 1983 to 2009. The results suggest that women who exhibited low self-control, high resistance to rules, impulsivity, and sensation seeking in their mid-40s were significantly less likely to succeed in quitting smoking for a period of 5 years or more by the time they reached their mid-60s. Addressing some personal characteristics in smoking cessation programs might enhance their effectiveness and success.

scholarly journals Methodology for assessing financial literacy behavior of military personnel

2020 ◽  
Vol 6 (1) ◽  
pp. 57-71
Author(s):  
Vladislav Petrov
Keyword(s):  
Military Personnel ◽  
Financial Literacy ◽  
Financial Risk ◽  
Personal Characteristics ◽  
Self Control ◽  
Financial Behavior ◽  
Diagnostic Tools ◽  
Normative Values ◽  
Financial Responsibility ◽  
Financial Awareness

The article is of a scientific and applied nature and is devoted to the description of the methodology for assessing financial literacy of military personnel behavior and its psychometric research. Instructions and incentive material of the questionnaire, normative values and interpretation of diagnostic scales are given. The questionnaire was tested on a sample of 526 military personnel of the Military University of the Ministry of defense of Russia. The proposed method allows us to evaluate the personal characteristics of military personnel, which have a Central influence on their financial behavior. In addition to the integral indicator - "military personnel's Propensity to financially literate behavior", eight partial characteristics are defined – financial awareness; the desire to look financially secure; the desire to plan a personal budget; a propensity to financial risk; attention to spending money and shopping; a propensity to financial savings; financial responsibility; financial self-control. The method allows you to predict the financial behavior of military personnel. Innovative diagnostic tools can be successfully used in psychoprophylactic work with the personnel of law enforcement agencies, as well as psychologists-researchers in the field of economic psychology.

Impact of Project Manager Competencies on Project Success: Case of Social Projects in the City of Agadir, Morocco

2019 ◽  
Vol 10 (5) ◽  
pp. 456-469
Author(s):  
Habiba Abou Hafs ◽  
◽  
Fadila Boutora ◽  
Keyword(s):  
Leadership Skills ◽  
Personal Characteristics ◽  
Self Esteem ◽  
Project Managers ◽  
Project Manager ◽  
Self Control ◽  
Behavioral Skills ◽  
Professional Characteristics ◽  
The Social ◽  
The City

The question of project manager competencies and especially in social projects is a key issue for social organizations seeking to progress and achieve success. If the manager has an important role to play with regard to the social organization, he’s however dependent on his behavioral, professional and personal capacities. The purpose of this paper is to show, on the basis of a quantitative study carried out among 120 managers of social projects in cooperatives located in the city of Agadir (Morocco), that the success of projects is conditioned by the leadership skills. Consequently, factors related to behavioral skills such as Solidarity; Involvement; Patience; Creativity; Empathy; Motivation; Trust; Commitment; Self-esteem; Transparency; Self-control; Discipline and other factors related to professional characteristics and personal characteristics of project managers prove a positive and significant relationship with the criterion of success studied.

scholarly journals Who Likes What Kind of News? The Relationship Between Characteristics of Media Consumers and News Interest

SAGE Open ◽  
2021 ◽  
Vol 11 (1) ◽  
pp. 215824402110030
Author(s):  
Kai Kaspar ◽  
Lisa Anna Marie Fuchs
Keyword(s):  
Big Five ◽  
Information Filtering ◽  
Personal Characteristics ◽  
Self Esteem ◽  
Big Five Personality ◽  
Regression Analyses ◽  
Uses And Gratification ◽  
German Speaking ◽  
Explained Variance ◽  
The Relationship

Stimulated by the uses-and-gratification approach, this study examined the joint relation of several consumer characteristics to news interest. In total, 1,546 German-speaking participants rated their interest in 15 major news categories and several personal characteristics, including gender, age, the Big Five personality traits, self-esteem, as well as general positive and negative affect. Regression analyses examined the amount of interindividual variance in news interest that can be explained by this set of consumer characteristics. Overall, the amount of explained variance differed remarkably across news categories, ranging from 4% for entertainment-related news to 25% for news about technology. The most powerful explaining variables were participants’ gender, age, openness to experiences, and their amount of general positive affect. The results suggest that news interest should be defined and operationalized as a concept with multiple facets covering a huge range of content. Also, the results are important for media producers and journalists with respect to the conflict between increased need gratification of consumers and information filtering via personalized news content.

SPECIAL ASPECTS OF SELF-ADJUSTMENT OF MILITARY UNIVERSITY CADETS WITH DIFFERENT PERFORMANCE LEVELS

2021 ◽  
pp. 46-53
Author(s):  
I. S. Morozova ◽  
◽  
E. A. Pronin ◽  
M. E. Pronina ◽  
◽  
...  
Keyword(s):  
Academic Performance ◽  
Interpersonal Relations ◽  
Personal Characteristics ◽  
Education Institution ◽  
Self Control ◽  
Professional Activity ◽  
Performance Levels ◽  
Theoretical Approaches ◽  
Military Institute ◽  
High Level

The search for ways to increase the efficiency of educational and professional activities of students during the period of study at a military university remains relevant at present. The provision of optimal methods for the students’ professional competencies formation considering their personality dimensions at the shortage of study time has particular importance. The subject of the research is the special aspects of self-adjustment of cadets with different performance levels. The study aims at identifying the features of voluntary self-adjustment and personal characteristics of cadets with different academic performance levels in technical disciplines at a military university. The authors determined the theoretical approaches to the study of self-adjustment as personal property, mental state, and conditions for the successful activity. The paper includes the systematization of the ideas of the self-adjustment role in the process of educational and professional activity. The authors theoretically substantiate the necessity of considering the peculiarities of self-adjustment of cadets of a military higher education institution manifested in the subjective focus on particular phenomena. The paper presents data on the respondents, which includes ninety-one first-year cadets of Novosibirsk Military Institute. The authors substantiate the division of respondents into groups with high and low levels of academic performance. The study identified special aspects of self-control of military university cadets with different levels of academic performance manifested in the orientation of voluntary self-adjustment. The authors determined the features of voluntary self-adjustment of cadets with a high level of academic performance manifested in the presence of the pronounced perseverance in educational activities, friendliness towards fellow students, and the pronounced cognitive need; identified features of voluntary self-adjustment of cadets with a low level of academic performance manifested in the lack of self-control and critical assessment of actions, ignoring their mistakes, and the desire to dominate in interpersonal relations.

Struggling to make ends meet: can consumer financial behaviors improve?

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Lisa K. Meneau ◽  
Janakiraman Moorthy
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Group Analysis ◽  
Self Control ◽  
Thinking Styles ◽  
Financial Health ◽  
Content Type ◽  
Financial Behaviors ◽  
Financial Products ◽  
The Impact

PurposeThe purpose of the study is to examine the following two research objectives. The first was to examine the predictive relationships that consumer characteristics of financial literacy, thinking styles and self-control have with a consumer's financial behaviors. The second goal was to ascertain financial management products' ability to aid those consumers who need it the most by weakening the predictive effects of consumer traits on financial behaviors.Design/methodology/approachThe study employed a web-based survey to gather information. The measurement and structural models were analyzed using generalized structured component analysis (GSCA), a component-based structural equation model. The mediation effect of self-control is assessed using the GSCA. The conditional mediation of demographic variables and use of personal financial management products are evaluated using multi-group analysis (MGA) in GSCA.FindingsAntecedents, financial literacy, thinking styles and self-control consumer characteristics are predictors of financial behaviors. However, self-control plays a more prominent role as a mediator between the other variables, strengthening the overall relationship. Also, financial products can have a beneficial moderation effect assisting those consumers who need them the most.Practical implicationsThese insights help in creating target specific financial literacy strategies to influence consumers' financial behaviors. Also, there is a need to develop mechanisms to influence a consumer's self-control and thinking styles to improve financial behavior. In conjunction with other initiatives, the impact of financial literacy has a greater effect on financial behaviors. Further, the insights assist financial institutions and financial technology firms in offering and creating products to help customers make better financial decisions and improve their financial behaviors.Social implicationsThe research addressed a significant global issue – consumer financial health. The Great Recession and the COVID-19 recession highlight the need to focus on the consumer and efforts to improve their financial health.Originality/valueThis research highlighted the mediating role of self-control and suggested that existing and future financial products can positively influence consumer behavior drivers.

scholarly journals Adiposity, education and weight loss effort are independently associated with energy reporting quality in the Ontario Food Survey

2007 ◽  
Vol 10 (8) ◽  
pp. 803-809 ◽  
Author(s):  
Heather Ward ◽  
Valerie Tarasuk ◽  
Rena Mendelson
Keyword(s):  
Weight Loss ◽  
Food Insecurity ◽  
Multivariate Regression ◽  
Secondary Analysis ◽  
Primary Source ◽  
Reporting Quality ◽  
Personal Characteristics ◽  
Total Energy Expenditure ◽  
Regression Analyses ◽  
Men And Women

AbstractObjectivesTo examine the associations of adiposity, dietary restraint and other personal characteristics with energy reporting quality.Design/subjectsSecondary analysis of 230 women and 158 men from the 1997/98 Ontario Food Survey.MethodsEnergy reporting quality was estimated by ratios of energy intake (EI) to both basal metabolic rate (BMR) and total energy expenditure (TEE). Multivariate regression analyses were conducted to examine energy reporting quality between two dietary recalls and in relation to body mass index (BMI) with adjustment for potential confounders. Energy reporting quality was explored across categories of age, BMI, income, education, dieting status and food insecurity through analysis of variance (ANOVA).ResultsFrom the ANOVA, energy reporting quality was associated with BMI group, age category and weight loss for men and women, as well as with education among women (P < 0.05). The multivariate regression analyses indicated that energy reporting quality was positively associated with education and inversely associated with obesity and dieting. No associations were observed in relation to food insecurity or income (P>0.05). EI:BMR and EI:TEE on the first and second 24-hour recalls were positively related (P < 0.0001 for men and women). A higher proportion of variance in energy reporting quality was explained for women than for men (R2 = 0.19 and 0.14, respectively).ConclusionsStudies of diet and adiposity are probably hindered to some extent by BMI-related variation in energy reporting quality. Methods to address this issue are urgently needed if population surveys will continue to serve as the primary source of dietary intake data.

The Development of Ecstasy Use Among Juvenile Offenders and Risk Factors for Predicting Heterogeneity: A Group-Based Approach

2018 ◽  
Vol 48 (4) ◽  
pp. 546-559 ◽  
Author(s):  
Thomas W. Wojciechowski
Keyword(s):  
Risk Factors ◽  
Juvenile Offenders ◽  
Multinomial Logistic Regression ◽  
Early Adulthood ◽  
Personal Characteristics ◽  
Self Control ◽  
Group Model ◽  
Critical Periods ◽  
Developmental Patterns ◽  
Peer Association

This study seeks to examine heterogeneity in developmental patterns of ecstasy use during adolescence and early adulthood among juvenile offenders and identify risk factors predicting development. Group-based trajectory modeling was utilized to elucidate heterogeneity in developmental patterns of ecstasy use. Multinomial logistic regression was utilized to identify covariates that affected the risk of assignment to groups elucidated in the trajectory model. A five-group model was found to best fit the ecstasy use data. Baseline measures of deviant peer association, self-control, other drug use, and race were identified as important risk factors predicting patterns of development. Risk of ecstasy use may be greatest for some juvenile offenders during critical periods of the life course and some social and personal characteristics that may elevate risk. Stability that is characteristic of self-control may be highly relevant for predicting persistent ecstasy use during adolescence and early adulthood.

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