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Credit Card Debt: Younger People Borrow More Heavily and Repay More Slowly, Study Finds

By Guest PostJanuary 18, 2013Economyamericans, borrow, cardholders, credit card, credit card behavior, credit card companies, credit card debt, data, debt level, factor, financial problems, grandparents, life cycle hypothesis, lucia dunn, marital status, minimum payments, minimum payoff rate, monthly payment, ohio economic survey, parents, psychological jolt, repay, sarah jiang, statistical model, younger americans

COLUMBUS, Ohio – Younger Americans not only take on relatively more credit card debt than their elders, but they are also paying it off at a slower rate, according to a first-of-its-kind study.

The findings suggest that younger generations may continue to add credit card debt into their 70s, and die still owing money on their cards.

“If what we found continues to hold true, we may have more elderly people with substantial financial problems in the future,” said Lucia Dunn, co-author of the study and professor of economics at Ohio State University. (more…)

Foster Kids do Equally Well when Adopted by Gay, Lesbian or Heterosexual Parents

By Guest PostOctober 22, 2012Generaladoption, california, children, clinical psychologist, county, foster care, gay, heterosexual, high risk, iq score, jill waterman, justin lavner, lesbian, letitia anne peplau, los angeles, multiple, national science foundation, parents, premature birth, psychologist, risk factor, ucla, united states

High-risk children adopted from foster care do equally well when placed with gay, lesbian or heterosexual parents, UCLA psychologists report in the first multi-year study of children adopted by these three groups of parents.

The psychologists looked at 82 high-risk children adopted from foster care in Los Angeles County. Of those children, 60 were placed with heterosexual parents and 22 were placed with gay or lesbian parents (15 with gay male parents and seven with lesbian parents). (more…)

Elderly People, Pillars of this Society

By Guest PostSeptember 22, 2012Generalatmosphere, care homes, elderly people, family, god, home, old age, parents, pillar, retirement home, sachin, sunrise, wonderful world

Parents are generally considered to be the pillar of the family, but are they? It is mostly said that parents come after God but where are such examples? Nowadays, parents are lying in old age homes and kids are enjoying their life with their partners in their homes. Is this correct? We cannot comment on what is right and what is wrong. We cannot pin point somebody’s thinking or decision. But yes, there are places where these unwanted parents can live their life happily and peacefully.

These are the organizations which provide place to elderly people to live and in return they get rent. They are the one who care for them; bestow them all the major items for living and an amazing atmosphere to live in. These old age homes are also known as “retirement homes” where these elderly people can live their second inning of life happily and peacefully with all the facilities of daily living, available with them. (more…)

‘Tiger Mothers’ Should Tame Parenting Approach

By Guest PostJanuary 11, 2012Cultureacculturation gap, adolescent development, amy chua, battle hymn of the tiger mother, best selling author, chinese immigrant parents, chinese mother, chinese students, chinese tiger mothers, desiree baolian qin, east and west, east lansing, eastern view of parenting, emotionally healthy kids, family, happiness, hardline parenting, harvard university, helena, maladjustment, michigan state university, native china, olivia, parents, piano, ridiculous, self-esteem, success, tiger mother, tiger mother philosophy, tom buffett, united states, violin, washington d c

EAST LANSING, Mich. — The Eastern view of parenting, as defined by best-selling author and self-described “tiger mother” Amy Chua, is that children should be pushed to excel at all costs. Parents needn’t worry about their happiness, she argues, only their success.

But now a Michigan State University scholar is refuting that theory. (more…)

Stress Higher in Children With Depressed Parents

By Guest PostMarch 20, 20111 commentHealthanger, annoyance, child, children, chronic depression, cortisol, critical comments, daniel klein, depressed parents, depression, early temperament, frustration, lea dougherty, parents, risk factor for depression, risk for depression, saliva sample, stress hormone, suzanne rose

Children with depressed parents get stressed out more easily than children with healthy parents—if the depressed parents are negative toward their child. That’s the conclusion of a study published in an upcoming issue of Psychological Science, a journal of the Association for Psychological Science.

The study is part of a long-term look at how a child’s early temperament is related to the risk for depression. The children were recruited for the study when they were three years old, an age when depression is rare. Thus, the researchers expect to see depression appear as the children grow. (more…)

MU Researcher Studies How Infants Compare Quantities

By Guest PostDecember 5, 2010Scienceability to quantify, baby einstein, cheerios, child, infants, kristy vanmarle, liquid, non-cohesive substances, opaque, parents, psychologists, researcher, sand, tracking and quantifying objects, two substances, university of missouri, water

COLUMBIA, Mo. – Parents are often amazed at how fast their child grows and develops. New research at the University of Missouri has determined that the ability to quantify – even things that are hard to quantify, such as liquid – may develop much sooner than most parents realize.

University of Missouri researcher Kristy vanMarle, an assistant professor in the Department of Psychological Sciences in the College of Arts and Science, has determined that contrary to what previous studies have shown, infants are able to quantify non-cohesive substances – like sand, water, or even Cheerios – as early as 10 months. As long as the difference between the two substances is large enough, vanMarle has found that infants will choose the larger amount, especially when it comes to food. (more…)

Investing in Kids’ Future Pays Off

By Guest PostOctober 27, 2010Culture, Generaland downpayment, business start ups, cda, child development accounts, entrepreneurship, feel, kids, long term savings accounts, mich, parent child interactions, parents, pontiac, saving for education, secure, seed, trina shanks, university of michigan

ANN ARBOR, Mich. — When parents set up long-term savings accounts for college, business start-ups or home ownership, kids feel more financially and emotionally secure, new research shows.

The studies show the importance of families using child development accounts (CDA) as one measure to shift from an overreliance on credit and create a foundation for asset building. In other words, this program encourages households to maintain less debt and more savings. (more…)

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