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Household finance
(2020)
Household financial decisions are complex, interdependent, and heterogeneous, and central to the functioning of the financial system. We present an overview of the rapidly expanding literature on household finance (with some important exceptions) and suggest directions for future research. We begin with the theory and empirics of asset market participation and asset allocation over the lifecycle. We then discuss house-hold choices in insurance markets, trading behavior, decisions on retirement saving, and financial choices by retirees. We survey research on liabilities, including mortgage choice, refinancing, and default, and household behavior in unsecured credit markets, including credit cards and payday lending. We then connect the household to its social environment, including peer effects, cultural and hereditary factors, intra-household financial decision making, financial literacy, cognition and educational interventions. We also discuss literature on the provision and consumption of financial advice.
This essay discusses the current Europeanization of national museums in different European countries and considers it against the background of media theories and feminist epistemologies. Taking the example of the European Solidarity Centre Gdansk, the Deutsches Historisches Museum Berlin and the Musée des civilisations de l’Europe et de la Méditerranée Marseille, it suggests two approaches to the dynamics of travel and locatedness in the museum. Firstly, using the concept of what I call “Europoeic media” this essay shows how “Europe” as a travelling memory is shaped by and in media. Secondly, I argue that the locatedness both of memories and the memory researcher are not detrimental but instead produce “situated knowledges”. Thus, in combining media-sensitivity and standpoint-reflexivity, the paper proposes new ways of taking into account the travels and locatedness of both memories and memory research.
Der vorliegende Beitrag diskutiert, wie mithilfe von Unterrichtsvideographien die Reflexionskompetenz angehender Englischlehrkräfte bereits in der ersten Ausbildungsphase angebahnt und geschult werden kann. Er geht von der Annahme aus, dass praktizierenden Lehrkräften häufig die Gelegenheiten oder auch die Kompetenzen zur systematischen Reflexion fehlen (vgl. Kittel & Rollett, 2017) und diese bereits vorher grundgelegt werden müssen. Anhand von zwei Seminarbeispielen aus der Englischdidaktik, welche sich auf die disziplinspezifischen Heterogenitätsdimensionen Mehrsprachigkeit (vgl. u.a. Elsner & Wildemann, 2012; Niesen, 2018) und Transkulturalität (vgl. u.a. Viebrock, 2018; Kreft, 2019a, 2019b) beziehen, werden praktische Umsetzungsmöglichkeiten bzw. die wechselseitige Integration theoretischer Konzepte und unterrichtlicher Handlungen/Interaktionen illustriert. Die vorgestellten Aufgabenformate beziehen sich auf die kasuistische Fallarbeit (nach Lindow & Münch, 2014) sowie auf VierSchritt-Analysen (nach Santagata & Guarino, 2011). Als grundlegende Struktur für die Entwicklung von Reflexionskompetenz in videobasierten Lernsettings wird eine adaptierte Fassung des Modells von Aeppli und Lötscher (2016) mit den Verfahrensschritten „Erleben“, „Erkennen“, „Darstellen“, „Analysieren“ und „Alternative Szenarien entwickeln“ verwendet. Es zeigt sich, dass die gewählte Vorgehensweise Studierende in die Lage versetzt, die konzeptionelle und unterrichtspraktische Bedeutung von sprachlicher und kultureller Heterogenität im Englischunterricht zu erkennen und, in einem weiteren Schritt, Möglichkeiten zur Förderung von transkulturalitäts- bzw. mehrsprachigkeits-sensitivem Handeln zu identifizieren und somit ihre Reflexionskompetenzen zu schulen.
L'osservazione secondo la quale lo scarto come oggetto di ricerca sia allo stesso tempo un effetto della sua ricerca è ciò che l'articolo traccia in tre studi sulla spazzatura: Rubbish! di William Rathje e Cullen Murphy, Un mondo usa e getta di Guido Viale e Das Miill-System di Volker Grassmuck e Christian Unverzagt. Questi tre studi esemplificano tre modi di presentare lo scarto: esplorazione, problema e ricie/aggio. Guardarli come argomenti scientifici ci permette di discutere di ciò che è considerato scarto ponendo domande di presentazione testuale e, allo stesso tempo, di chiedere quali conseguenze abbia la presentazione per il concetto scientifico dello scarto.
This paper offers a description and account of the patterns of 'ex-situ' focus in Dagbani. We show that there are two syntactic strategies for creating 'ex-situ' focus in the language, one involving A’-movement to the left periphery, and the second involving base generation in the left periphery combined with coreference to a resumptive pronoun. Furthermore, we argue that subjects are difficult to move from Spec,TP to Spec,CP in the left-periphery because of 'anti-locality', which creates a tension when trying to focus subjects, which are required to derivationally fill the specifier of both positions. We further show that what looks to be a two-way distinction between the behaviour of subjects and non-subjects in the language is in fact a three-way distinction between subjects that are focussed to a local left-periphery, subjects that are focussed to a non-local left-periphery, and non-subjects. These distinctions arise due to there being two methods for Dagbani to resolve the antilocality problem of subject movement, and so local subjects solve the problem differently to non-local subjects.
At a site in the Bolivian Chiquitano region composed by a mosaic of pastureland and primary Chiquitano Dry Forest (CDF) we conducted a camera-trapping study to (1) survey the mammals, and (2) compare individual Jaguar numbers with other Chiquitano sites. Therefore, we installed 13 camera stations (450 ha polygon) over a period of six months. On 1,762 camera-days and in 1,654 independent capture events, we recorded 24 mammalian species that represent the native fauna of large and medium-sized mammals including apex-predators (Puma, Jaguar), meso-carnivores (Ocelot, Jaguarundi, Margay), and large herbivores (Tapir, Collared and White lipped Peccary). We identified six adult Jaguars and found indications of successful reproductive activity. Captures of Jaguars were higher in CDF than in altered habitats. In summary, we believe that (1) the mammal species richness, (2) the high capture numbers of indicator species, and (3) the high capture numbers of Jaguar indicate that our study area has a good conservation status. Future efforts should be undertaken to keep this, and monitoring programs in this region are necessary to further evaluate the potential importance of the Chiquitano region as a possible key region for mammals, especially Jaguars, in South America.
URPOSE: Today, the majority of medical graduates in countries such as the UK, the US or Germany are female. This poses a major problem for workforce planning especially in urology. We here use first the first time the previously established Brüggmann Groneberg (BG) index to assess if female academic career options advance in urology.
METHODS: Different operating parameters (student population, urology specialist population, urology chair female:male (f:m) ratio) were collected from the Federal Office of Statistics, the Federal Chamber of Physicians and the medical faculties of 36 German universities. Four time points were monitored (2000, 2005, 2010 and 2015). From these data, female to male (f:m) ratios and the recently established career advancement (BG) index have been calculated.
RESULTS: The German hospital urology specialists' f:m ratios were 0.257 (499 female vs. 1944 male) for 2015, 0.195 for 2010, 0.133 for 2005 and 0.12 for 2000. The career advancement (BG) index was 0.0007 for 2000, 0,0005 for 2005, 0.094 for 2010 and 0.073 for 2015. The decrease from 2010 to 2015 was due to an increase in the f:m ratio of hospital urologists and female medical students.
CONCLUSION: The BG index clearly illustrated that there is an urgent need for special academic career funding programs to counteract gender problems in urology. The BG index has been shown to be an excellent tool to assess female academic career options and will be very helpful to assess and document positive or negative changes in the next decades.
BACKGROUND: Although phosphodiesterase-4 (PDE4) inhibitors have been shown to reduce COPD exacerbation rate, their biological mechanism of action is not completely elucidated at the molecular level. We aimed to characterise the whole genome gene expression profile of the inhaled PDE4-inhibitor CHF6001 on top of triple therapy in sputum cells and whole blood of patients with COPD and chronic bronchitis.
METHODS: Whole genome gene expression analysis was carried out by microarray in 54 patients before and after 32 days treatment with CHF6001 800 and 1600 μg and placebo twice daily (BID) in a randomised crossover study.
RESULTS: CHF6001 had a strong effect in sputum, with 1471 and 2598 significantly differentially-expressed probe-sets relative to placebo (p-adjusted for False Discovery Rate < 0.05) with 800 and 1600 μg BID, respectively. Functional enrichment analysis showed significant modulation of key inflammatory pathways involved in cytokine activity, pathogen-associated-pattern-recognition activity, oxidative stress and vitamin D with associated inhibition of downstream inflammatory effectors. A large number of pro-inflammatory genes coding for cytokines and matrix-metalloproteinases were significantly differentially expressed for both doses; the majority (> 87%) were downregulated, including macrophage inflammatory protein-1-alpha and 1-beta, interleukin-27-beta, interleukin-12-beta, interleukin-32, tumour necrosis factor-alpha-induced-protein-8, ligand-superfamily-member-15, and matrix-metalloproteinases-7,12 and 14. The effect in blood was not significant.
CONCLUSIONS: Inhaled PDE4 inhibition by CHF6001 on top of triple therapy in patients with COPD and chronic bronchitis significantly modulated key inflammatory targets and pathways in the lung but not in blood. Mechanistically these findings support a targeted effect in the lung while minimising unwanted systemic class-effects.
TRIAL REGISTRATION: ClinicalTrial.gov, EudraCT, 2015-005550-35. Registered 15 July 2016.