Asset Building Among Native Hawaiians: Lessons From the Kahikū IDA Program

Individual Development Accounts (IDAs) are matched savings accounts that encourage asset development for individuals and families with low incomes. Unique program data from an IDA program serving 758 Native Hawaiians were used to model the probability of participating in and graduating from the IDA program. Multivariate logistic regression models show that children in the household, lack of vehicle ownership, and savings goal (education) were associated with a reduced likelihood of program participation. Participants who owned homes and had relatively high savings balances prior to starting the program were more likely to graduate. Additionally, Maui participants were more than three times as likely as O‘ahu participants to make a matched withdrawal. Recommendations for IDA policies and future research are discussed

Child Poverty and Family Structure during the Recession in English-Speaking Liberal Welfare States

While the 2008 global economic crisis is over and many countries are into a recovery phase, the impacts continue to linger. Analysis of its aftermath offers insight into how economic shocks reverberate through modern economies to affect the lives of children and families and how governments respond to economic crises. We calculate child poverty rates before and during the Great Recession in five nations - Australia, Canada, Ireland, the United Kingdom and United States. Data are from the latest nationally representative and harmonized household survey data available from the LIS Cross-National Data Center (Waves VII and VIII, approximately aligning with years 2007 and 2010). The study adds new knowledge in several ways. Welfare policies of the selected countries share common reliance on means-tested social assistance, higher economic inequality, and less unionization. While prior studies have examined within-country and cross-country variation in child poverty outside of the Recession, this paper investigates variation within welfare regime during a crisis. Second, within each country, we quantify the impact that market, social policy transfers, and taxes had on child poverty. Last, within countries, we examine how children's family structure affected their chances of living in poverty. We find large variations in child poverty rates during this period. Using a poverty threshold anchored in the 2007 distribution, across countries child poverty increased the most in Ireland and Australia and decreased the most in the UK and Canada. The US experienced only marginal changes in child poverty. Within countries, we find that children in married families have the lowest risk of poverty, except for the UK where the probability of being poor was lower for single and cohabitating families. Decomposing poverty rates by income source (labor, transfers, and taxes) over time, we quantify the contribution to the change in poverty rate. Labor earnings explained the poverty reduction in Canada and UK changes in poverty occurred primarily via transfers. In the US, the transfer system offset what would have been a large increase in poverty (4-percentage point). We then disaggregate these changes within country by family structure, finding significant variations in how earnings and social transfers affected children. Together, these findings document the impact of the different levels of cushioning provided by liberal welfare states in the Great Recession and the resulting differing relative poverty risks of different family structures

Assets as a Resource Variable in the Stress Management of Low-Income Families

The hard times resulting from the 2008 recession represent an opportunity to re-examine the theoretical framework for how families use economic resources to adjust and adapt to stress. Sherraden’s (1991) theory of assets and McCubbin and Patterson’s (1983) Family Adjustment and Adaptation Response (FAAR) model are used to demonstrate how assets relate to family stressors and demands among a sample of 839 low-income families. The negative relationship between assets and financial stressors and financial strain suggest that the expansion of social welfare policies promoting assets among low-income families may positively influence family relations. Future research on family relations would benefit from measuring assets as economic resources and testing how assets affect family investments

Cash-Flow and Savings Practices of Low-Income Households: Evidence From a Follow-Up Study of IDA Participants

This study uses a survey of participants from an Individual Development Account (IDA) matched savings intervention to examine self-reported financial practices (cash flow and savings) five years after the intervention terminated. Latent class analysis produced three groups of financial practices - high, medium, and low functioning. Results showed that some low-income households are carefully managing their finances. Psychological sense of mastery was positively related to high functioning cash-flow and savings. The IDA intervention had no association with latent class membership. Antipoverty interventions should assess the financial practices of participants at the time of service enrollment. Further, social service providers should not assume that households are not already carefully managing their finances

Towards Principled Oceans Governance: Australian and Canadian Approaches and Challenges

Australia and Canada have been at the forefront of efforts to operationalize integrated oceans and coastal management. Throughout the 1990s both countries devoted considerable effort to developing strategies to give effect to international ocean management obligations. This key book focuses on principles of marine environmental conservation and management, maritime regulation and enforcement, and regional maritime planning and implementation. With contributions from respected scholars, this informative book collectively assesses the obligations, compliance, implementation and trends in international ocean law, particularly in giving effect to an Oceans Policy, regional maritime planning, international oceans governance, and maritime security. This book will be of interest to all academics involved with maritime studies and international law.https://digitalcommons.schulichlaw.dal.ca/faculty_books/1092/thumbnail.jp

Second Thoughts: Who Almost Participates in an IDA?

Self-selection into social intervention programs may bias the estimates of treatment impact. Data from an Individual Development Account (IDA) program (N = 758) are used to examine the self-selection process. Persons who applied but did not enroll are assumed to have had “second thoughts” about program participation. Multivariate logistic regression predicted second thoughts and showed that having children in the household and negative net worth, along with not owning a vehicle, were positively related to having second thoughts. Those saving for an education were more likely than those saving for a home or business to have second thoughts. Implications for social service administration and impact evaluation of IDAs are shared

Perceived Impact of Individual Development Account Participation Among Native Hawaiians

Indigenous peoples face many social development challenges and the lingering effects of colonization. Income transfer, a traditional social welfare approach designed to raise minimum living standards, has had limited beneficial effects on long-term social conditions. As a complement to income transfer, asset-based approaches to social welfare have resulted in positive effects in the short and long terms. Some Indigenous communities are exploring how asset-based interventions might enhance social development (Hicks, Edwards, Dennis, & Finsel, 2005), but only limited and scattered research describes how they experience asset-building programs. This qualitative descriptive study explores the perceived impact of a large Individual Development Account (IDA) program for Indigenous Native Hawaiians. Data consist of answers to open-ended questions about the impacts of participating in an IDA program. Participants felt that the culturally based program material was empowering and that they gained lasting, meaningful life skills. They attributed skills development, psychological changes, and tangible asset gains to the IDA program. Notably, participants who did not finish the program identified barriers to doing so, including a lack of flexibility in savings requirements and life events that forced an exit from the program

GALA: an international multicentre randomised trial comparing general anaesthesia versus local anaesthesia for carotid surgery

Background: Patients who have severe narrowing at or near the origin of the internal carotid artery as a result of atherosclerosis have a high risk of ischaemic stroke ipsilateral to the arterial lesion. Previous trials have shown that carotid endarterectomy improves long-term outcomes, particularly when performed soon after a prior transient ischaemic attack or mild ischaemic stroke. However, complications may occur during or soon after surgery, the most serious of which is stroke, which can be fatal. It has been suggested that performing the operation under local anaesthesia, rather than general anaesthesia, may be safer. Therefore, a prospective, randomised trial of local versus general anaesthesia for carotid endarterectomy was proposed to determine whether type of anaesthesia influences peri-operative morbidity and mortality, quality of life and longer term outcome in terms of stroke-free survival. Methods/design: A two-arm, parallel group, multicentre randomised controlled trial with a recruitment target of 5000 patients. For entry into the study, in the opinion of the responsible clinician, the patient requiring an endarterectomy must be suitable for either local or general anaesthesia, and have no clear indication for either type. All patients with symptomatic or asymptomatic internal carotid stenosis for whom open surgery is advised are eligible. There is no upper age limit. Exclusion criteria are: no informed consent; definite preference for local or general anaesthetic by the clinician or patient; patient unlikely to be able to co-operate with awake testing during local anaesthesia; patient requiring simultaneous bilateral carotid endarterectomy; carotid endarterectomy combined with another operation such as coronary bypass surgery; and, the patient has been randomised into the trial previously. Patients are randomised to local or general anaesthesia by the central trial office. The primary outcome is the proportion of patients alive, stroke free ( including retinal infarction) and without myocardial infarction 30 days post-surgery. Secondary outcomes include the proportion of patients alive and stroke free at one year; health related quality of life at 30 days; surgical adverse events, re-operation and re-admission rates; the relative cost of the two methods of anaesthesia; length of stay and intensive and high dependency bed occupancy

High coherence hybrid superconducting qubit

We measure the coherence of a new superconducting qubit, the {\em low-impedance flux qubit}, finding $T_2^* \sim T_1 \sim 1.5\mu$s. It is a three-junction flux qubit, but the ratio of junction critical currents is chosen to make the qubit's potential have a single well form. The low impedance of its large shunting capacitance protects it from decoherence. This qubit has a moderate anharmonicity, whose sign is reversed compared with all other popular qubit designs. The qubit is capacitively coupled to a high-Q resonator in a $\lambda/2$ configuration, which permits the qubit's state to be read out dispersively