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Why are women less motivated to become financially literate?
No full textResearch suggests women know and care less about personal finance than men but offers no explanations. Women in our sample score lower on basic finance questions and report lower motiva- tion to learn personal finance. Men and women report higher motivation when they say finance is “Very Important.” However, women who expect to make decisions with a spouse report lower moti- vation than do women who expect to make decisions alone. Men’s motivation does not vary with such expectations. Our results suggest women are less motivated to become financially literate when they lack confidence and when they expect to share financial responsibilities
Financial literacy and its impact on the credit card debt puzzle
No full textThe credit card debt puzzle is not well understood. Households exhibit inefficient behavior when they have sufficient liquid assets to pay off their credit card balance, but do not. Based multinomial regression analyses of the 2016 Survey of Consumer Finances, the study discovered that households that display this behavior are more likely to have lower financial literacy than convenience users. The findings suggest financially literate households are less likely to display irrational behavior regarding the credit card debt puzzle
The effect of racial/ethnic differences on the financial obligations ratio of renters
No full textThe purpose of this research was to investigate the effects of racial/ethnic status on the ratio of finan- cial obligations payments to income among U.S. renter households. The proportion of homeowner house- holds with a ratio over 40% has decreased since 2007, but the proportion of renter households with a ratio over 40% increased until 2013 and remained high in 2016. In 2016, 13% of homeowner households and 40% of renter households had a ratio over 40%. Previous research on the financial obligations burden used an arbitrary dummy variable for whether households had a high financial obligations ratio, but we used ordinary least squares (OLS) regressions on the natural log of the ratio. For renters, based on the OLS regression, households with Black, Hispanic, and Asian respondents had higher financial obligations ratios than otherwise similar households with a White respondent. Controlling for other variables, Hispanic households had a ratio about 26% higher than White households, Asian households had a ratio 16% higher than White households, and Black households had a ratio 10% higher than White households. While discrimination could be a factor in higher ratios for the groups other than Whites, immigrant status and other factors plausibly are related
Higher Education Outreach via Student Organizations: Students Leading the Way
Get PDFHigher education outreach and engagement often occurs through student volunteering. Student organizations are one understudied and undertapped mechanism that facilitates such connections. We examined the experience of student leaders of student organizations that promoted volunteerism among their members. The mixed-methods study included a survey (n = 26) and follow-up interviews (n = 5). We found that participants’ organizations were highly involved in the community and that participants gained valuable leadership skills in this role. We also found that participants had relatively little insight concerning the community partners’ experience of the collaboration. We identified sampling as a unique challenge for this theoretical population and, in the discussion, provide considerations and recommendations for future scholars
Sustainable Arts and Health: The Role of a University in Facilitating an Intergenerational, Interdisciplinary Community Arts Project
Get PDFThere is growing interest in the use of intergenerational practice in arts and health to support psychological well-being and community cohesion. However, little research has addressed the facilitation of such projects, or how higher education institutions can support them. Here we examine the role of the University of Bedfordshire in Generations Dancing, an 11-week dance and photography project for older adults and young people in Bedford. Focus groups were conducted with the older adults, young people, artists, independent living centre leaders, and schoolteachers involved. Inductive content analysis highlighted the university’s role in brokering between community sectors, promoting the project, and offering resources. These factors appeared to play a significant part in enabling the project to develop beyond what smaller organizations working independently might have achieved, and in facilitating a sustainable model for its perpetuation
Community-Academic Partnerships in the Community Engagement Literature: A Scoping Review
Get PDFThis article contributes a novel dataset mapping the partnership literature in the community engagement field and invites scholars of community–academic partnerships in this field to participate in the development of scoping reviews as a way to effectively scan extant literature as they seek to build upon or critique it. This scoping review includes key article-level characteristics regarding the representation of community–academic partnerships within 141 published articles from seven peer-reviewed journals in the community engagement field
Scholarly Practice and Inquiry: Dynamic Interactions in an Elementary Mathematics Methods Course
No full textThis paper presents research that exists at the crossroad of scholarly practice and scholarly inquiry. We outline the process in the design, enactment, and empirical examination of an elementary methods course activity, Exploring and Supporting Student Thinking (ESST), which engaged 18 elementary prospective teachers (PTs) in two sessions of one-on-one problem posing with 3rd grade students. Our results mirror outcomes from existing literature focused on student interviews and letter exchanges as well as reveal other potential PTs experiences from such interactions. We end by describing implications for future activity design and with a call for researchers to continue to contribute to scholarly inquiry in this area