Understanding the Racial/Ethnic Gap in Bank Account Ownership among Older Adults

The observed racial/ethnic gap in bank account ownership among older adults is substantial. We investigate socioeconomic, cognitive, and cultural barriers underling it. As additional potential barriers are accounted for, the residual gaps in financial inclusion with respect to Whites are reduced by 19% for blacks and 46% for Hispanics. We find that citizenship and “taste for privacy” play a limited role for both minority groups, while real asset ownership, health, cognitive ability, and cultural hurdles contribute substantially to the gap. For Hispanics, language barriers explain most of the gap, while neighborhood‐level socioeconomic characteristics are more salient for blacks. We also examine how the racial/ethnic composition of couples influences financial decisions. We estimate a significantly smaller residual gap between “mixed” and white couples than between minority and white couples. We provide empirical evidence suggesting that, other things equal, mixed couples are less concerned with the cultural/psychological barriers facing minority couples.     

Marital happiness: implications for dual career couples

Two marital myths, a woman's place is in the home and the husband is the primary wage earner or provider, were investigated in relation to marital happiness. No significant relationships were found between the variables indicating that changing lifestyles and the employment of females outside the home may be resulting in a greater equality between spouses and that women's employment does not affect marital happiness, even though job responsibilities and pressure may at times create conflict between dual career couples.     

Same-Sex Couples in Advertisements: An Investigation of the Role of Implicit Attitudes on Cognitive Processing and Evaluation

This research examined how implicit attitudes are associated with cognitive processing and self-reported evaluation of advertisements featuring same-sex couples. Hypotheses were posited using the theoretical framework of social identity theory (Tajfel and Turner 1986) and perspectives on implicit attitudes. In Study 1, participants watched and evaluated 10 television advertisements while physiological measures of cognitive and affective processing were collected. Ads varied such that half used same-sex couples as protagonists while the other half used other-sex couples. Participants demonstrated less positive responses to ads featuring same-sex couples. Physiological and self-reported responses were associated with implicit attitudes toward homosexuality Negative implicit attitudes toward homosexuality were associated with more negative affect, less attention, less positivity, and less liking for ads featuring same-sex couples. Two subsequent studies replicated these findings in nonstudent samples, indicating that participants preferred ads with other-sex couples (Study 2) and that implicit attitudes were associated with this response (Study 3). This research suggests that implicit attitudes affect processing and evaluation of ads featuring same-sex couples in ways unaccounted for by explicitly measured attitudes. Results are discussed in terms of advancing theory, furthering understanding of the dynamic processing of ads featuring in-group and out-group members, and practical implications.     

Satisfaction with household production: the effect of time spent in household production by husbands and wives

The purpose of the study was to examine the relationship between the extent of household production and satisfaction with household production. Data were obtained from 400 married couples who responded to a postal questionnaire. The dependent variable was an index of satisfaction incorporating two aspects of household production, quality and quantity. Regression analysis indicated that of the three variables representing the extent of household production in the model — hours spent by each spouse in household production and an activity index to measure the number of household production activities — only husband's hours spent in household production demonstrated a significant, independent effect. Other significant variables included husband's hours of market work, household net worth, age of respondent and gender of respondent. Two significant interactions indicated that (i) the relationship between wife's hours of household production and satisfaction with household production differed according to the gender of the respondent, and (ii) the relationship of husband's hours of market work and satisfaction differed according to the age of the respondent.     

Out of the Closet: When Moral Identity and Protestant Work Ethic Improve Attitudes toward Advertising Featuring Same-Sex Couples

This research examines how heterosexual consumers react to advertising featuring same-sex couples. Across three studies, we find that heterosexual consumers report higher levels of disgust in response to advertising featuring same-sex couples in comparison to mixed-sex couples, which results in more negative attitudes toward the advertisement and the advertised brand. We also find that moral-identity priming reduces disgust elicited by advertising featuring same-sex couples and improves attitudes toward the advertisement and the brand. However, we find that moral-identity priming is ineffective for consumers with high social dominance orientation. For these consumers, portraying same-sex couples as possessing Protestant work ethic traits decreases disgust and improves attitudes toward the advertisement and the brand.     

Retirement and transition phenomena in the family purchase process

Research is needed on the family purchase process of retirement‐age couples, because 78 million baby boomers are rapidly approaching retirement age. Both boomers and the retirement‐age couples in this study present special opportunities to marketers through new roles adopted in retirement. This study reports on perceptions of family purchase process participation among retirement‐age couples. Results indicate that transition retirees' family purchase process participation differs from that of post‐transition retirees. This finding has managerial implications for marketers wishing to serve desirable segments of current and future retirement‐age consumers. © 2007 Wiley Periodicals, Inc.     

The dual-career couple: Female expatriates and male trailing spouses

Dual-income and dual-career couples are becoming an increasingly important segment of professional managers in the United States. The difficulties associated with addressing the unique needs of these dual couples is accentuated when attempting to relocate one of the members of the couple overseas. Referral rates for expatriation have increased and the failure rate of those expatriates who are relocated continues to be high. This article examines the issues international human resource executives face when expatriating female managers and how multinational corporations (MNCs) can proactively address the concerns of both the expatriate managers and their trailing spouses. © 1998 John Wiley & Sons, Inc.     

Outsourcing child care,home cleaning and meal preparation

In this paper, the outsourcing of child care, home cleaning and meal preparation is analysed by means of a socio‐economic model that incorporates household‐economic, life cycle, lifestyle and health variables. The data (n = 700) were collected during a telephone survey in the Netherlands. About 10% of the households did not use any of the three outsourcing types. About 70 to 90% of households outsourced meal preparation at least once per month. In each household life cycle stage, the average monthly expenditures on outsourcing meal preparation were the highest of the three outsourcing categories. Factors affecting expenditures were generally the same for each type of outsourcing studied. In general, household economic variables including wage and working hours were unimportant in explaining the incidence and expenditures of outsourcing. The same holds for self‐reported health. All expenditure types were affected by life cycle variables. There was an indication that a traditional lifestyle and traditional family type affected outsourcing expenditures negatively. Education appeared as an important factor: regardless of gender, both medium‐ and higher‐educated people were more inclined to spend money on outsourcing than the lower educated. Especially, people younger than 44 years outsourced meal preparation. Outsourcing was neither restricted to nor especially practised by couples.     

HUSBAND—WIFE DIVISION OF LABOUR AND QUALITY OF FAMILY LIFE*

This paper reports data on the relationship between how couples perceive their family life quality and the division of household work. The sample consists of 210 Wisconsin couples. Time diaries and face-to-face interviews were used. Analyses indicate that the division of familiwork is not an important correlate of the congruency that the spouses hold concerning their family life quality. The one exception is that less traditional couples tend to be more dissatisfied with the work each does around the home.     

Do established antecedents of purchase decision‐making power apply to contemporary couples?

The research reported here investigated the extent to which hedonic theory explains the nature of the effects of the established antecedents of marital roles (resource theory, sex‐role orientation, least‐interested partner hypothesis, and involvement) on relative influence and strategy usage in purchase decision making for married and nontraditional couples (cohabiting heterosexual, gay, and lesbian couples). The findings reveal that hedonic theory (the effect of partners' [dis]similarity in an antecedent on that antecedent's impact of relational power) explains the majority of cases where the impact of the antecedents on power vary across couple types. In some cases, however, hedonic theory is lacking in its explanatory power, thus indicating that couple types differ other than the extent to which partners are (dis)similar demographically or socioeconomically. © 2001 John Wiley & Sons, Inc.     

Are they playing by the same rules? A consumer gifting classification of marital dyads

This article sets out a research program that examines the dynamics of gifting behavior of long-term committed dyadic relationships—married couples. Our research considers the findings of a study in which the reported gifting behavior of couples reveals two gifting rulebooks; the first rulebook consisting of a set of symbolic communication rules, and a second rulebook consisting of economic exchange rules. Most importantly, we develop a consumer gifting classification of marital dyads. Finally suggestions are offered for future research and implications are drawn for marketing strategy.     

中国已婚育龄人群避孕措施选择的偏好与影响因素分析

避孕节育是中国计划生育的核心内容之一，也是我国中长期人口发展战略中稳定低生育水平的重要措施之一。选取1988年全国生育节育抽样调查数据，利用多分类Logit模型（MNL）对不同特征育龄妇女避孕措施进行分析。不同生育周期和不同社会特征、子女性别、计划生育政策强度对已婚育龄人群避孕措施的选取有明显的影响。不同孩次的已婚育龄人群在避孕措施选择中都存在一定的避孕偏好，尤其是子女性别不同时呈现避孕措施选择的明显差异，即最小子女为女孩的育龄人群比最小子女为男孩的育龄人群更为倾向于选择避孕套等自控型短效避孕措施，提示避孕措施的选择存在制度内规避行为，并受到一定的性别偏好因素的影响。     

Intra-household task allocation in online grocery shopping: Together alone

This paper explores how households organize the process of e-grocery buying in a click-and-collect context, down to the level of the two main subtasks: the online ordering and the picking-up. Self-collected survey data on 112 users of Belgian click-and-collect services first provide a quantitative perspective. But we primarily exploit in-depth interviews with 15 households. Both our quantitative and qualitative findings indicate that women today are still the main responsible for grocery shopping, even in an online context. Especially the ordering is a woman's task; the collecting is more equally divided across genders. But the key result is that couples exploit the opportunities for further task division provided by e-grocery shopping. In our survey we find that in 72.5% of the couples both partners are involved in the process, but that in roughly three quarters of these cases at least one of the tasks is performed independently. In other words, many couples do it ‘together alone’. Our qualitative analysis further shows that the roles of the partners have become more fixed, in that subtasks are assigned exclusively to one partner. As for the reasons behind the task allocation, we find indications of the relevance of time availability, relative resource, and gender arguments (respectively, the presence of young children, imbalances in educational status and income, and traditional roles), but also of purely pragmatic reasons.     

Correlates of marital satisfaction in a Manitoba low income sample

Marital satisfaction in a low-income sample in the province of Manitoba in Canada was investigated in this study. The sample consisted of 505 couples who took part in Manitoba's low-income experiment in 1974. Using a single measure of marital satisfaction, both husbands and wives reported high satisfaction. Using multiple regression analysis to examine correlates of marital satisfaction, it was found that the best predictors for couples were companionship, money management and husband's occupation. The best predictors for wives' marital satisfaction were companionship and husband's occupation, and the best predictors for husbands' marital satisfaction were companionship and money management.     

Consumer behavior in accumulating household financial assets

The acquisition of household financial assets by married couples are examined. Guttman scalogram analysis is used to develop and evaluate the reproducibility of the derived accumulation scales. To test the reliability of the findings, split halves and longitudinal analyses are conducted. In addition, financial asset patterns are examined across three age segments. Finally, some implications for future consumer research on financial assets are suggested.     

Self-Employment Matching: An Analysis of Dual Earner Couples and Working Households

This paper explores the significance of intra-couple and intra-household influences on self-employment. It may be the case that employment type matching is prevalent whereby individuals within a couple or household are characterised by similar types of employment. Alternatively, an individual may pool income risk with his/her partner by holding a diversified portfolio of employment types within the household thereby introducing an element of intra-household risk pooling. Such an arrangement may be particularly appropriate if one member of the couple is self-employed. We utilise ordered probit and random effects ordered probit analysis to explore the prevalence of employment matching and/or risk pooling within couples or households. Our empirical analysis which is based on cross-section data drawn from the British Family Expenditure Surveys 1996 to 2000 provides evidence of employment type matching both within dual earner couples and, to a lesser extent, in the wider context of working household members.     

Expected and reported division of responsibility of household tasks among older wives in two residential settings

Literature on sex roles encompasses numerous studies on the division of responsibility in late-life marriages. Some older wives report that they continue to assume responsibility for mos: household chores and they actually perform most tasks. Other wives claim that following retirement, husbands increase their participation within the household arena. However, the increase tends to be in the level of activity involvement rather than in assuming responsibility for new or non-traditional chores. The trend toward egalitarianism in later life, especially for happy couples, is documented by numerous studies. It appears that while role expectations are less gender-specific among older people, they tend to follow the patterns established during middle-age. However, the research is not conclusive. No analysis has compared different living environments of older couples. A sample (n = 244) or older wives (mean age 72 years) living in two different residential settings were questioned via a mailed survey about their responsibility and behaviours regarding 12 household tasks: cooking meals, washing dishes, doing yard work, washing clothes, maintaining the car, writing letters, scheduling family events, getting or earning money, cleaning house, shopping, undertaking household repairs and making family decisions. High scores suggest a non-traditional approach to sex-role tasks, while low scores suggest egalitarian relationships. The views that wives have of division of responsibility of household tasks is explored: who should take responsibility for tasks and who does the tasks? Variables previously found to influence sex-role beliefs are examined. In particular, relationships between sex roles and marital quality, length of marriage, family income, frequency of interaction with children, residential environment and health are presented.     

Household Money Management: Recognizing Nontraditional Couples

This research examines factors related to household financial decision-making roles. Findings suggest significant differences between traditional couples (first marriages) and nontraditional couples (remarrieds and cohabitors). Marital status appears related to household money management decisions (bank card and checking account management), investment management decisions (planning savings and home investment), and decisions related to financing. Conclusions suggest that nontraditional consumer households may need more sensitive recognition of these differences and that marketers may reduce customer dissatisfaction and embarrassment by more consciously designing programs and materials to communicate such recognition.     

The effect of media,product and message factors on ad persuasiveness: the role of affect and cognition

The effects of media, product and advertising strategy variables on consumers' thoughts and feelings are investigated. Both direct and indirect paths from the advertising variables to ad persuasiveness measures are also analysed with the indirect paths leading through affective and cognitive responses. Two hundred and forty television and magazine ads are analysed with respect to advertising variables, affect, cognition and ad persuasiveness. Results indicate that advertising variables are indirectly linked to ad persuasiveness with the indirect path occurring through affective and cognitive responses.