Financial literacy: an overview of practice, research, and policy

Attention to financial literacy has grown in recent years, in large part because technological, market, and legislative changes have resulted in a more complex financial services industry that requires consumers to be more actively involved in managing their finances. Consumer and community interest groups, banking companies, government agencies, and policymakers, among others, have become concerned that many consumers lack a working knowledge of financial concepts and the tools they need to make decisions most advantageous to their economic well-being. As a result, considerable resources have been devoted to financial literacy, with a wide range of organizations providing training, including banks, consumer and community groups, employers, and government agencies. Overall, studies suggest that financial literacy training can lead to better decisionmaking; however, the findings raise numerous questions about the best means of providing that training, the most appropriate setting, and the most opportune timing. Findings from recent research on personal money management styles, combined with awareness of human behavioral traits, offer insights that may be useful in developing successful training programs and strategies.Financial literacy ; Economics - Study and teaching ; Finance, Personal

Dropping off the edge 2015: persistent communal disadvantage in Australia

This report shows that complex and entrenched disadvantage is experienced by a small but persistent number of locations in each state and territory across Australia. Foreword In 2007, Jesuit Social Services and Catholic Social Services Australia commissioned ground-breaking research into place-based disadvantage across the nation. The resulting report, Dropping off the edge, built on previous work that Jesuit Social Services had engaged Professor Tony Vinson to undertake on its behalf and quickly became a critical resource for governments, service providers and communities attempting to address the challenge of entrenched and often complex geographical disadvantage. That report received over 284 scholarly citations and supported the establishment of the Australian Social Inclusion Board – a body charged with identifying long-term strategies to end poverty in Australia. Since the publication of Dropping off the edge, our organisations have received many requests to update the findings and produce a new report tracking the wellbeing of communities in Australia over the intervening time. Sadly, the current report drives home the enormous challenge that lies in front of our policy makers and service providers, as many communities identified as disadvantaged in 2007 once again head the list in each state and territory. As a society we cannot, and should not, turn away from the challenge of persistent and entrenched locational disadvantage, no matter how difficult it may be to solve the problem. We call on government, community and business to come together to work alongside these communities to ensure long term sustainable change. We hold hope that the young people and future generations in these communities will have a better outlook and life opportunities than is currently available to them. It is our belief that every Australian should have access to the opportunities in life that will enable them to flourish – to complete their education, to get a job, to access safe and affordable housing, to raise their children in safe communities and to see the next generation thrive. Jesuit Social Services and Catholic Social Services Australia are indebted to the dedication and perseverance of Professor Tony Vinson in leading this important research and analysis over the past 15 years. Julie Edwards Chief Executive Officer Jesuit Social Services Marcelle Mogg Chief Executive Officer Catholic Social Services Australi

Comparisons of Eating Disorder Presentation, Research Participation, and Treatment Utilization Between Racial and Ethnic Groups of College Women with Eating Disorders

The inclusion of racial and ethnic minority individuals in research is imperative in furthering generalizable and comprehensive research on eating disorder (ED) populations and improving the disparities for minorities with EDs. The current study investigates such disparities by 1) assessing the presentation of EDs and comorbidities across racial and ethnic groups, as well as 2) assessing whether minority individuals are less likely to participate in a research study, or utilize the offered interventions versus their majority counterparts in the Healthy Body Image Program (HBI), a study of an online, guided self-help, ED intervention vs. referral to in-person care among college women with clinical or sub-clinical EDs. Study 1 compared ED symptomology, ED-related clinical impairment, and comorbid psychopathologies across racial and ethnic groups within the HBI sample. Study 1 also compared rates of engagement in research, engagement in the online program, and engagement with referral to in-person care between minority and non-minority participants. Results found mostly comparable rates of ED symptomology, ED-related clinical impairment, and comorbid psychopathologies across racial and ethnic groups, with notable differences observed in Asian women endorsing more binge eating than White women, and the Other racial group endorsing more laxative use than the White and Asian racial groups. Additionally, Hispanics reported more laxative use and higher levels of insomnia than non-Hispanics. Study 1 also found comparable rates of engagement in research, online program, and referral to in-person care between minority and non-minority groups. Study 2 followed-up with the minority participants who were unengaged in research, the online program, and referral to in-person care, and investigated their barriers to participation. Results from the Study 2 provided useful information on specific obstacles to address in future efforts to decrease disparities in treatment utilization by minorities with EDs

Adolescents’ Patterns of Citizenship Orientations and Correlated Contextual Variables: Results From a Two-Wave Study in Five European Countries

Studies on youth participation tend to characterize youth as either active and trustful or as passive and alienated. This cross-national and longitudinal study examines patterns of citizenship orientations characterized by both manifest and latent involvement differentiated by one\u2019s position toward institutional politics (trustful or distrustful) among 1914 adolescents from five European countries (53.5% female; MAGE =16.27). Demographic and proximal contextual correlates associated with different orientations at a one-year interval were also assessed. Latent profile analysis identified four groups of citizenship orientations among adolescents: engaged trustful, engaged distrustful, unengaged trustful, unengaged distrustful. Differences of membership likelihood were found for background characteristics (gender and family income), school characteristics (track, democratic climate, student participation and its perceived quality), family and peer norms of participation

UUnderstanding Program Engagement and Attrition in Child Abuse Prevention

Engaging and retaining families is a common challenge when serving families at high risk. McCurdy and Daro’s (2001) Integrated Theory of Parental Involvement (ITPI) proposes factors that impact engagement and retention in services. While several studies have found varying family demographic and risk factors to be associated with family engagement in home-based services, (withheld citation for purpose of review) identified program and provider characteristics that predicted engagement and retention (withheld citation for purpose of review). Specifically, SafeCare (SC) had greater enrollment (4 times) and retention (8.5 times) rates than services as usual (SAU), likely due to SC’s skill-based approach targeting desired topics. As a follow-up to this quantitative study, we conducted separate focus groups with parents who engaged and who failed to engage in SC (N= 16) and SAU (N=18). Provider characteristics (e.g., caring, experienced with children, nonjudgmental) was the strongest themes for engagement across groups. Program and provider flexibility and providers’ persistent support for parents despite life chaos facilitated retention. Results suggest that provider characteristics and program approach are key in engagement of families in home-based services. These results suggest expansion of the ITPI to address social context. Results suggestfocusing on specific provider characteristics and program approach for work force and program development to increase program engagement and decrease attrition

Initiating and continuing participation in citizen science for natural history

Background: Natural history has a long tradition in the UK, dating back to before Charles Darwin. Developing from a principally amateur pursuit, natural history continues to attract both amateur and professional involvement. Within the context of citizen science and public engagement, we examine the motivations behind citizen participation in the national survey activities of the Open Air Laboratories (OPAL) programme, looking at: people’s experiences of the surveys as ‘project-baed leisure’; their motivations for taking part and barriers to continued participation; where they feature on our continuum of engagement; and whether participation in an OPAL survey facilitated their movement between categories along this continuum. The paper focuses on a less-expected but very significant outcome regarding the participation of already-engaged amateur naturalists in citizen science. Methods: The paper draws upon research conducted by the authors (a sociologist of science and a cultural geographer) over a five-year period, who followed the development and implementation of the OPAL surveys. The authors engaged with members of the public and natural history enthusiasts to understand how and why people engaged with the OPAL surveys, seeking to explore the motivations and barriers they faced to any further engagement with natural history. This involved carrying out interviews and focus groups with willing participants. Results: Our main findings relate to: first, how committed amateur naturalists (already-engaged) have also enjoyed contributing to OPAL and the need to respect and work with their interest to encourage broader and deeper involvement; and second, how new (previously-unengaged) and relatively new participants (casually-engaged) have gained confidence, renewed their interests, refocussed their activities and/or gained validation from participation in OPAL. Overall, we argue that engagement with and enthusiasm for the scientific process is a motivation shared by citizens who, prior to participating in the OPAL surveys, were previously-unengaged, casually-engaged or already-engaged in natural history activities. Conclusions: Citizen science has largely been written about by professional scientists for professional scientists interested in developing a project of their own. This study offers a qualitative example of how citizen science can be meaningful to participants beyond what might appear to be a public engagement data collection exercise

Performed and preferred participation in science and technology across Europe: Exploring an alternative idea of "democratic deficit"

Republican ideals of active scientific citizenship and extensive use of deliberative, democratic decision making have come to dominate the public participation agenda, and academic analyses have focused on the deficit of public involvement vis-à-vis these normative ideals. In this paper we use latent class models to explore what Eurobarometer survey data can tell us about the ways in which people participate in tacit or in policy-active ways with developments in science and technology, but instead of focusing on the distance between observed participation and the dominant, normative ideal of participation, we examine the distance between what people do, and what they themselves think is appropriate in terms of involvement. The typology of citizens emerging from the analyses entails an entirely different diagnosis of democratic deficit, one that stresses imbalance between performed and preferred participation

'Reaching the hard to reach' - lessons learned from the VCS (voluntary and community Sector). A qualitative study.

Background The notion 'hard to reach' is a contested and ambiguous term that is commonly used within the spheres of social care and health, especially in discourse around health and social inequalities. There is a need to address health inequalities and to engage in services the marginalized and socially excluded sectors of society. Methods This paper describes a pilot study involving interviews with representatives from eight Voluntary and Community Sector (VCS) organisations . The purpose of the study was to explore the notion of 'hard to reach' and perceptions of the barriers and facilitators to accessing services for 'hard to reach' groups from a voluntary and community sector perspective. Results The 'hard to reach' may include drug users, people living with HIV, people from sexual minority communities, asylum seekers, refugees, people from black and ethnic minority communities, and homeless people although defining the notion of the 'hard to reach' is not straight forward. It may be that certain groups resist engaging in treatment services and are deemed hard to reach by a particular service or from a societal stance. There are a number of potential barriers for people who may try and access services, including people having bad experiences in the past; location and opening times of services and how services are funded and managed. A number of areas of commonality are found in terms of how access to services for 'hard to reach' individuals and groups could be improved including: respectful treatment of service users, establishing trust with service users, offering service flexibility, partnership working with other organisations and harnessing service user involvement. Conclusions: If health services are to engage with groups that are deemed 'hard to reach' and marginalised from mainstream health services, the experiences and practices for engagement from within the VCS may serve as useful lessons for service improvement for statutory health services

What is the 'problem' that outreach work seeks to address and how might it be tackled? Seeking theory in a primary health prevention programme

<b>Background</b> Preventive approaches to health are disproportionately accessed by the more affluent and recent health improvement policy advocates the use of targeted preventive primary care to reduce risk factors in poorer individuals and communities. Outreach has become part of the health service response. Outreach has a long history of engaging those who do not otherwise access services. It has, however, been described as eclectic in its purpose, clientele and mode of practice; its effectiveness is unproven. Using a primary prevention programme in the UK as a case, this paper addresses two research questions: what are the perceived problems of non-engagement that outreach aims to address; and, what specific mechanisms of outreach are hypothesised to tackle these.<p></p> <b>Methods</b> Drawing on a wider programme evaluation, the study undertook qualitative interviews with strategically selected health-care professionals. The analysis was thematically guided by the concept of 'candidacy' which theorises the dynamic process through which services and individuals negotiate appropriate service use.<p></p> <b>Results</b> The study identified seven types of engagement 'problem' and corresponding solutions. These 'problems' lie on a continuum of complexity in terms of the challenges they present to primary care. Reasons for non-engagement are congruent with the concept of 'candidacy' but point to ways in which it can be expanded.<p></p> <b>Conclusions</b> The paper draws conclusions about the role of outreach in contributing to the implementation of inequalities focused primary prevention and identifies further research needed in the theoretical development of both outreach as an approach and candidacy as a conceptual framework