Borrowing Constraints and the Tenure Choice of Young Households

In this paper we analyze the factors that affect the tenure choice of young adults, highlighting the impact of mortgage lender imposed borrowing constraints. The data set is a panel of youth age 20-33 for the years 1985-90. Our methods differ from most prior studies in many ways including consideration of possible sample selection bias, a richer model of the stochastic error structure, better measurement of which households are bound by borrowing constraints, and a fuller consideration of the endogeneity of wealth and income. Once all changes are implemented, we find ownership tendencies to be quite sensitive to economic variables. Specifically, potential earnings, the relative cost of owning a home, and especially borrowing constraints affect the tendency to own a home. In our sample of youth, 37% of households are constrained even after choosing their loan-to-value ratio to minimize the impact of the separate wealth and income requirements. The constraints reduce the probability of ownership of these households by 10 to 20 percentage points (a third to a half) depending on the particular characteristics of the household.

Primary Care Validation of a Single-Question Alcohol Screening Test

BACKGROUND Unhealthy alcohol use is prevalent but under-diagnosed in primary care settings. OBJECTIVE To validate, in primary care, a single-item screening test for unhealthy alcohol use recommended by the National Institute on Alcohol Abuse and Alcoholism (NIAAA). DESIGN Cross-sectional study. PARTICIPANTS Adult English-speaking patients recruited from primary care waiting rooms. MEASUREMENTS Participants were asked the single screening question, "How many times in the past year have you had X or more drinks in a day?", where X is 5 for men and 4 for women, and a response of >1 is considered positive. Unhealthy alcohol use was defined as the presence of an alcohol use disorder, as determined by a standardized diagnostic interview, or risky consumption, as determined using a validated 30-day calendar method. MAIN RESULTS Of 394 eligible primary care patients, 286 (73%) completed the interview. The single-question screen was 81.8% sensitive (95% confidence interval (CI) 72.5% to 88.5%) and 79.3% specific (95% CI 73.1% to 84.4%) for the detection of unhealthy alcohol use. It was slightly more sensitive (87.9%, 95% CI 72.7% to 95.2%) but was less specific (66.8%, 95% CI 60.8% to 72.3%) for the detection of a current alcohol use disorder. Test characteristics were similar to that of a commonly used three-item screen, and were affected very little by subject demographic characteristics. CONCLUSIONS. The single screening question recommended by the NIAAA accurately identified unhealthy alcohol use in this sample of primary care patients. These findings support the use of this brief screen in primary care.National Institute on Alcohol Abuse and Alcoholism (R01-AA010870

Expected Home Ownership and Real Wealth Accumulation of Youth

This paper describes the real wealth accumulation of American youth and relates this behavior to variations in real constant-quality house prices in their localities of residence. We argue that increases in the real constant-quality house price have two offsetting effects on wealth. First, the greater the local constant-quality price of housing, the greater the wealth needed to meet the lender imposed down payment constraint if housing demand is price inelastic. However, increased real constant-quality house price reduces the likelihood of home ownership and thus the desire the accumulate wealth needed for a down payment. Using a panel data set for youth age 20-33 for the years 1985 through 1990 we find that the combined direct and indirect impact of variations in real constant-quality house price on wealth is modest for changes near the average real house price, but youths' wealth declines substantially in areas with high real house price.

Is non-therapeutic aspirin use in children a problem in South Africa?

Background. Aspirin should not be used in children except for specific therapeutic reasons. We report on a severely ill infant who had ingested aspirin contained in a traditional medicine and review 21 other patients with pre-admission non-therapeutic salicylate exposure. Objectives and methods. We reviewed laboratory, clinical and poisons unit records to determine how many children were admitted to our hospital over an 18-month period with evidence of salicylate ingestion not prescribed for therapeutic reasons. We determined the source of the salicylate, elapsed time between ingestion and laboratory assay, morbidity and mortality and final diagnosis. Results. Twenty-one children meeting our criteria, including 9 under 6 months of age, were admitted during this period. The most prevalent source of salicylate was over-the-counter (OTC) aspirin, but some had reportedly only been given traditional medicines. Nineteen were seriously ill, 4 died and 3 had severe brain injury. Two, initially diagnosed with Reye’s syndrome, probably had inherited metabolic disorders. Only 2 patients had salicylate levels that at the time of measurement are normally considered toxic; however, the literature suggests that lower levels may exacerbate illness severity in young children. Conclusions. We found inappropriate use of OTC aspirin in children that requires explanation. There may be policy implications for the content and presentation of patient information; the incorporation of pharmaceuticals in traditional medicines merits further study. Salicylate toxicity should be considered in children with unexplained metabolic acidosis out of keeping with the severity of their acute illness

In patients with a previous CVA, do antioxidants protect against subsequent stroke?

Most recent randomized controlled clinical trials have not found a benefit in antioxidants (vitamin C, vitamin E, and/or beta-carotene) for preventing cardiovascular disease, including stroke. These recent clinical studies have not confirmed earlier observational studies that suggested a benefit. No studies have assessed only stroke patients and stroke outcomes. (Grade of recommendation: A, based on randomized controlled clinical trials and a systematic review of antioxidants and cardiovascular disease.

Challenges to Aligning Coordination Technology with Organizations, People, and Processes in Healthcare

Healthcare coordination has proven difficult to achieve, even with new coordination technologies such as shared electronic health records. Successful coordination requires alignment of information technology with new organizational structures, reskilled personnel, and reengineering of work processes. We suggest that this is more challenging in the healthcare industry as a result of the need for integrating information across care cycles, payment and regulatory mechanisms, high degree of professional control, failure impact and privacy concerns, and information granularity across the care cycle. We illustrate these challenges with several examples from a qualitative study of the integration of electronic health records between hospital and ambulatory practices.

Gathering and Sending: Welcome, Greetings, Blessings, Webinar 2

These words of Gathering and Sending: Welcome, Greetings, Blessings, were part of Webinar 2 (November 15, 2022) of the Webinar Series “For the Sake of the Gospel” hosted by the Remembering Today for the Church of Tomorrow Project in partnership with Martin Luther University College and Lutheran Theological Seminary. Endnotes by Karen Kuhnert. Kuhnert opened with an Acknowledgement of Indigenous Neighbours and Territories

The Michigan Travel, Tourism and Recreation Resource Center: Perspective and Prospects

The Michigan Travel, Tourism and Recreation Resource Center (TTRRC) was established at Michigan State University (MSU) in 1985. From a subunit within the Department of Park and Recreation Resources (PRR) it has grown to be an autonomous unit with extensive ties across campus as well as to both the public and private sectors of this Michigan growth industry. TTRRC\u27s quick success in providing a wide range of research and technical assistance services is due to the sound base of support upon which to build provided by PRR faculty and long term recurring budget from the university. Relationships both on and off campus have been crucial in our success to date and receive on-going attention due to their importance to our mission and future. The future for centers such as ours appears bright given projected growth of the industry they were designed to support. The probability of success will grow with the: 1) availability of adequate recurring base budget support; 2) integration of the centers both on and off campus, 3) maintenance of an on-going effective communications program, and 4) recruiting of quality and adaptable personnel

Public perceptions of changing the terminology for low-risk thyroid cancer: A qualitative focus group study

Objectives To investigate public perceptions of overdiagnosis and overtreatment in low-risk thyroid cancer and explore opinions regarding the proposed strategy to change the terminology of low-risk cancers. Design Qualitative study using focus groups that included a guided group discussion and presentation explaining thyroid cancer, overdiagnosis and overtreatment, and proposed communication strategies. Transcripts were analysed thematically. Setting Sydney, Australia. Participants Forty-seven men and women of various ages from a range of socioeconomic backgrounds with no personal history of thyroid cancer. Results Participants had low pre-existing general awareness of concepts of overdiagnosis and overtreatment and expressed concern regarding this new information in relation to thyroid cancer. Overall, participants understood why the strategy to change the terminology was being proposed and could see potential benefits including reducing the negative psychological impact and stigma associated with the term 'cancer'; however, many still had reservations about the strategy. The majority of the concerns were around their worry about the risk of further disease progression and that changing the terminology may create confusion and cause patients not to take the diagnosis and its associated managements seriously. Despite varied views towards the proposed strategy, there was a strong overarching desire for greater patient and public education around overdiagnosis and overtreatment in both thyroid cancer and cancer generally in order to complement any revised terminology and/or other mitigation strategies. Conclusions We found a strong and apparently widely held desire for more information surrounding the topic of overdiagnosis and overtreatment. Careful consideration of how to inform both the public and current patients about the implications of a change in terminology, including changes to patients' follow-up or treatments, would be needed if such a change were to go ahead

Frio pilot in CO2 sequestration in brine-bearing sandstones: The University of Texas at Austin, Bureau of Economic Geology, report to the Texas Commission on Environmental Quality to accompany a class V application for an experimental technology pilot injection well.

GEOSEQ project (LBNL, LLNL, ORNL), NETL, Schlumberger–Doll Research Center, Transpetco, Sandia TechnologiesJackson School of Geoscience