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Piamjariyakul U Yadrich DM Ross VM Smith CE Clements F Williams AR 《Nursing economic$》2010,28(5):323-329
Annual costs paid by families for intravenous infusion of home parenteral nutrition (HPN) health insurance premiums, deductibles, co-payments for health services, and the wide range of out-of-pocket home health care expenses are significant. The costs of managing complex chronic care at home cannot be completely understood until all out-of-pocket costs have been defined, described, and tabulated. Non-reimbursed and out-of-pocket costs paid by families over years for complex chronic care negatively impact the financial stability of families. National health care reform must take into account the long-term financial burdens of families caring for those with complex home care. Any changes that may increase the out-of-pocket costs or health insurance costs to these families can also have a negative long-term impact on society when greater numbers of patients declare bankruptcy or qualify for medical disability. 相似文献
33.
Vicki L. Bogan 《Applied economics》2013,45(31):4429-4442
Numerous behavioural factors have been identified as having an impact on household stockholding decisions. Given there is both theoretical and empirical evidence to support the premise that offspring gender can influence specific types of parental preferences, I test the theory that offspring gender has an effect on parental investment decision-making. I find that offspring gender does influence household stock market participation. Specifically, I find that having only female offspring can significantly increase the probability of stockholding. Given stockholding can have large effects on household wealth levels and that family wealth levels affect intergenerational transfers, this finding could have important implications for understanding distributional welfare issues. 相似文献
34.
This paper combines data on the performance of mortgage loans with detailed borrower, neighborhood, and property characteristics to examine the factors that determine the outcomes of seriously delinquent loans. We employ multinomial logit models in a hazard framework to explain how loan, borrower, property, servicer and neighborhood characteristics affect which of the following four outcomes results from a seriously delinquent loan: (1) the borrower cures the delinquency; (2) the borrower and lender agree to modify the loan; (3) the borrower suffers a liquidation (short sale, deed in lieu, foreclosure auction sale or REO); or (4) the loan remains delinquent. In particular, we focus on mortgage modification. We find that the outcomes of delinquent loans are significantly related to: current LTV, FICO scores, especially risky loan characteristics, the servicer of the loan, neighborhood housing price appreciation, and whether the borrower received foreclosure counseling. 相似文献
35.
Sewin Chan Michael Gedal Vicki Been Andrew Haughwout 《Journal of Housing Economics》2013,22(2):100-118
Using a rich database of non-prime mortgages from New York City, we find that census tract level neighborhood characteristics are important predictors of default behavior, even after controlling for an extensive set of controls for loan and borrower characteristics. First, default rates increase with the rate of foreclosure notices and the number of lender-owned properties (REOs) in the tract. Second, default rates on home purchase mortgages are higher in census tracts with larger shares of black residents, regardless of the borrower’s own race. We explore possible explanations for this second finding and conclude that it likely reflects differential treatment of black neighborhoods by the mortgage industry in ways that are unobserved in our data. 相似文献
36.
This paper examines how tourists convert foreign currencies to make spending decisions. Six studies demonstrate how sequential (Study 1) and simultaneous (Study 2) exposure to nominally different (but economically identical) prices, and the manner in which tourists perform currency conversions (Studies 3–5) influence price perceptions and purchase intentions. Study 6 shows the effects using macroeconomic spending behavior from 1993 to 2008 spanning the introduction of the Euro. The general discussion concludes with a model of how numerical inputs are combined to make judgments as a function of the number of inputs available and their ease of use. 相似文献
37.
Vicki Abt Martin C. McGurrin James F. Smith 《Leisure Sciences: An Interdisciplinary Journal》2013,35(2):205-220
Abstract The prevailing social science perspective views gambling as a socially deviant activity with detrimental consequences for the individual and society. This paper presents an alternative perspective which views gambling as human play sharing much of the structural and functional components of acceptable sport activity. Gambling has conventional rules for defining participation, for determining legitimate winning and losing, and for judging expert performance. It also has regulatory commissions, standardized equipment, symbols, an element of sociability, and it promotes a collective validation of the basic values of society. This perspective allows the social scientist to examine gambling behavior in a theoretical framework which focuses on the features of gambling shared in common with other legitimate sport activity. This paper explores two popular forms of social gambling, race track and casino, showing how they reflect contemporary American culture while they provide recreation for players. We have found among recreational gamblers a well developed subculture that places their form of play directly in the mainstream of American values, despite the moral critics who proclaim gambling to be a major social problem. In fact, the gambling problem may be better understood as an ideological conflict between gamblers and the moral judges of the proprietary limits and functions of sports. 相似文献
38.
Vicki Belt 《Human Resource Management Journal》2002,12(4):51-66
Although several studies have shown that women make up the majority of the call centre workforce, their role and position in this new and expanding industry has not yet been examined. This article makes a contribution to the research gap by exploring the extent and nature of the career opportunities open to women within call centres. Current portrayals of call centre work appear to indicate that these new workplaces offer very little in the way of either job satisfaction or potential for career progression. Indeed, on the basis of existing research evidence it could be concluded that call centres represent little more than female job ‘ghettos’. The article assesses this claim by drawing on women's own accounts of their work experiences and their perceptions of their prospects. 相似文献
39.
Jennifer Kish-Gephart James Detert Linda Klebe Treviño Vicki Baker Sean Martin 《Journal of Business Ethics》2014,125(2):267-285
Self-interest has long been recognized as a powerful human motive. Yet, much remains to be understood about the thinking behind self-interested pursuits. Drawing from multiple literatures, we propose that situations high in opportunity for self-interested gain trigger a type of moral cognition called moral disengagement that allows the individual to more easily disengage internalized moral standards. We also theorize two countervailing forces—situational harm to others and dispositional conscientiousness—that may weaken the effects of personal gain on morally disengaged reasoning. We test our hypotheses in two studies using qualitative and quantitative data and complementary research methods and design. We demonstrate that when personal gain incentives are relatively moderate, reminders of harm to others can reduce the likelihood that employees will morally disengage. Furthermore, when strong personal gain incentives are present in a situation, highly conscientious individuals are less apt than their counterparts to engage in morally disengaged reasoning. 相似文献
40.