Factors that Influence Adolescents to Smoke

Predictor variables previously examined in separate studies (prior beliefs, peer pressure, family smoking, advertising, and antismoking information) were combined in a single study, surveying 246 adolescents. The variables were found to be significant predictors of smoking level, but the importance of each predictor varied by grade level, gender, and ethnicity. Overall, family smoking behavior, peer pressure, and prior beliefs were more important in predicting smoking level than were advertising and antismoking information. Public policy implications are discussed.     

Constraints,Domain Conditions,and Well-Being: Evidence from Poland during the Transformation

The relationships among the recent changes in socioeconomic and demographic characteristics of the household, domain conditions (objective well-being), and the household members' assessment of their situation (subjective well-being) are assessed with data from 600 households in the province of Lublin, Poland. Four domains are included in the measures of recent change, domain conditions, and well-being: housing, household equipment, food consumption, and transportation. As expected, domain conditions are a function of household constraints; well-being is a function of domain conditions and recent change. Rural residents have significantly poorer domain conditions than urban residents, but report significantly higher levels of well-being.     

It Don't Come Easy: Overcoming Obstacles to Technology Use Within a Resistant Consumer Group

To identify ways in which resistance can be overcome and technology's potential realized, we study acceptance and use of a specific technology, the Internet, by a specific resistant group, older consumers. Using interviews and a survey of consumers who are over 65 years old, we discover that curiosity and proactive coping drive technology optimism, which then predicts adoption and heavier usage. Motivated seniors with technology discomfort get help to adopt and continued assistance to learn usage repertoires. Surprisingly, technology discomfort is positively rather than negatively related to usage enthusiasm. Implications are drawn for consumer groups resistant to technology.     

Young People Are the Front Lines of Financial Inclusion: A Review of 45 Years of Research

Amidst concerns about percentages of households that remain unbanked or underbanked, policy endeavors have emerged to promote financial inclusion by making financial products such as savings accounts readily available. While these endeavors have primarily concentrated on households, young people may be the front lines of financial inclusion because they may be more likely to be banked in young adulthood and beyond when they start off with savings accounts earlier in life. This article addresses young people's financial inclusion by comprehensively reviewing 60 research studies on young people's savings, discussing the role of the family in young people's financial inclusion, discussing financial inclusion from an institutional perspective, presenting policy implications, and identifying gaps in knowledge and opportunities for research. Policies that open savings accounts for young people early in life may be a promising strategy for extending financial inclusion and preventing unbanked or underbanked status later in life.     

DOMESTIC ENERGY CONSERVATION AND THE CONSUMER*

This study identifies factors influencing the behaviour of the household in energy conservation, and reports on a survey carried out to investigate knowledge in the area of energy and its conservation and the extent to which knowledge is put into practice to save energy. The survey showed that, amongst working class women, the need to reduce the bill, or at least stop it rising so fast is the greatest incentive to conservation. Knowledge of how and where heat is lost from the house is poor and there is little awareness of the need for insulation. Conservation practices in cooking are poor and where money is less tight, women easily become careless users of hot water. Most women do not have the knowledge to choose between fuels and appliances. The knowledge of women over 60 is significantly lower than that of younger women.