Credit card debt puzzles

Most US credit card holders revolve high-interest debt, often combined with substantial (i) asset accumulation by retirement, and (ii) low-rate liquid assets. Hyperbolic discounting can resolve only the former puzzle (Laibson et al., 2003). Bertaut and Haliassos (2002) proposed an 'accountant-shopper'framework for the latter. The current paper builds, solves, and simulates a fully-specified accountant-shopper model, to show that this framework canactually generate both types of co-existence, as well as target credit card utilization rates consistent with Gross and Souleles (2002). The benchmark model is compared to setups without self-control problems, with alternative mechanisms, and with impatient but fully rational shoppers.

Equities and inequality

Most US credit card holders revolve high-interest debt, often combined with substantial (i) asset accumulation by retirement, and (ii) low-rate liquid assets. Hyperbolic discounting can resolve only the former puzzle (Laibson et al., 2003). Bertaut and Haliassos (2002) proposed an 'accountant-shopper'framework for the latter. The current paper builds, solves, and simulates a fully-specified accountant-shopper model, to show that this framework canactually generate both types of co-existence, as well as target credit card utilization rates consistent with Gross and Souleles (2002). The benchmark model is compared to setups without self-control problems, with alternative mechanisms, and with impatient but fully rational shoppers.

Multi-dimensional approach to bullying

RÉSUMÉ : Le bullying est un type de comportement agressif qu'un élève (ou plusieurs) fait subir à un autre et qui se manifeste par des agressions verbales, physiques et/ou psychologiques. Les caractéristiques du bullying sont la répétitivité d'actions négatives sur le long terme et une relation de pouvoir asymétrique. Pour la victime, ce type de comportement peut avoir des conséquences graves telles qu'échec scolaire, dépression, troubles alimentaires, ou idées suicidaires. De plus, les auteurs de bullying commettent plus de comportements déviants au sein de l'école ou à l'extérieur de cette dernière. La mise en place d'actions ciblées auprès des auteurs de bullying pourrait donc non seulement prévenir une victimisation, mais aussi réduire les actes de délinquance en général. Hormis quelques études locales ou cantonales, aucune recherche nationale auprès d'adolescents n'existait dans le domaine. Ce travail propose de combler cette lacune afin d'obtenir une compréhension suffisante du phénomène qui permet de donner des pistes pour définir des mesures de prévention appropriées. Afin d'appréhender la problématique du bullying dans les écoles secondaires suisses, deux sondages de délinquance juvénile autoreportée ont été effectués. Le premier a eu lieu entre 2003 et 2005 dans le canton de Vaud auprès de plus de 4500 écoliers. Le second a été administré en 2006 dans toute la Suisse et environ 3600 jeunes y ont participé. Les jeunes ont répondu au sondage soit en classe (questionnaire papier) soit en salle d'informatique (questionnaire en ligne). Les jeunes ayant répondu avoir sérieusement harcelé un autre élève est d'environ 7% dans le canton de Vaud et de 4% dans l'échantillon national. Les analyses statistiques ont permis tout d'abord de sélectionner les variables les plus fortement liées au bullying. Les résultats montrent que les jeunes avec un bas niveau d'autocontrôle et ayant une attitude positive envers la violence sont plus susceptibles de commettre des actes de bullying. L'importance des variables environnementales a aussi été démontrée: plus le jeune est supervisé et encadré par des adultes, plus les autorités (école, voisinage) jouent leur rôle de contrôle social en faisant respecter les règles et en intervenant de manière impartiale, moins le jeune risque de commettre des actes de bullying. De plus, l'utilisation d'analyses multiniveaux a permis de montrer l'existence d'effets de l'école sur le bullying. En particulier, le taux de bullying dans une école donnée augmente lorsque les avis des jeunes divergent par rapport à leur perception du climat scolaire. Un autre constat que l'on peut mettre en évidence est que la réaction des enseignants lors de bagarres a une influence différente sur le taux de bullying en fonction de l'établissement scolaire. ABSTRACT : Bullying is the intentional, repetitive or persistent hurting of one pupil by another (or several), where the relationship involves an imbalance of power. Bullying is a type of aggressive behaviour and the act can be verbal, physical and/or psychological. The consequences on the victims are serious: school failure, depressive symptomatology, eating disorders, or suicidal ideation. Moreover, the authors of bullying display more delinquent behaviour within or outside the school. Thus, preventive programmes targeting bullying could not only prevent victimisation, but also reduce delinquency in general. Very little data concerning bullying had been collected in Switzerland and, except some local or cantonal studies, no national research among teenagers existed in the field. This work intends to fill the gap in order to provide sufficient understanding of the phenomenon and to suggest some tracks for defining appropriate measures of prevention. In order to understand the problems of bullying in Swiss secondary schools better, two surveys of self-reported juvenile delinquency were carried out. The first one took place between 2003 and 2005 in the canton Vaud among more than 4500 pupils, the second in 2006 across Switzerland with about 3600 youths taking part. The pupils answered to the survey either in the classroom (paper questionnaire) or in the computer room (online questionnaire). The youths that answered having seriously bullied another pupil are about 7% in canton Vaud and 4% in the national sample. Statistical analyses have selected the variables most strongly related to bullying. The results show that the youths with a low level of self-control and adopting a positive attitude towards violence are more likely to bully others. The importance of the environmental variables was also shown: the more that youth is supervised and monitored by adults, and the more the authorities (school, neighbourhood) play their role of social control by making the rules be respected through intervening in an impartial way, the less the youth bully. Moreover, the use of multilevel analyses permitted to show the existence of effects of the school on bullying. In particular, the rate of bullying in a given school increases when there is a wide variation among students of the same school in their perception of their school climate. Another important aspect concerns teachers' reactions when pupils fight: this variable does not influence the bullying rate to the same extent, and depends on the school.

Les gangs en Suisse : délinquance, victimisation et facteurs de risque

Abstract Gang membership constitutes one of the strongest risk factors of delinquency. Research on this topic found that gang members commit more offences in general and are particularly more prone to violent offences than other juveniles. Indeed, they are responsible for approximately 50 to 86% of the total offences perpetrated by juvenile offenders. In Switzerland, as in other European countries, there is a reluctance to use the term of gang to talk about delinquent youth groups. However, this term implies many stereotypes that do not apply to the majority of juvenile American gangs. Thus, it appears that some delinquent youth groups in European countries can be described as gangs. This manifestation of juvenile delinquency is increasingly studied by European researchers, whose studies demonstrate the high level of delinquency committed by gang members. This research assesses the proportion of gangs in Switzerland and their level of involvement in delinquency. Victimization of gang members as well as risk factors of gang membership are also analyzed. For this research, data of two self-reported juvenile delinquency surveys were used, namely the survey of "les jeunes et l'insécurité" and the second wave of the International Self-Reported Delinquency Survey (ISRD-2). The first survey took place in the canton of Vaud among 4'690 teenagers, and the second one was conducted across Switzerland by interviewing 3'648 teenagers aged 12 to 16. The results from the ISRD-2 survey show that 4.6% of young Swiss belong to a gang, whereas this is the case for 6.5% of teenagers in the canton of Vaud. About a third of the gang members ara girls. A strong link between the commission of offences and gang membership was found in both surveys. A teenager who does not belong to a gang commits on average 1.9 offences per year, whereas this number increases to 7.2 offences for teenagers who have delinquent peers and to 16 offences for gang members. The risk of victimization is also stronger for a gang member than for a non-gang member, as it is 4 to 5 times higher for assaults and robberies. International comparisons based on the ISRD-2 survey have been conducted, highlighting the high level of delinquency of gang members and their vulnerability to victimization. Risk factors of gang membership include the influence of accessibility to drugs in the neighbourhoods, the lack of self-control of the teenagers and their consumption of cannabis. Résumé Un des facteurs de risque les plus importants de la délinquance juvénile est l'appartenance à un gang. Les recherches faites sur cette problématique indiquent que les membres de gangs commettent plus de délits et des délits plus violents que les autres jeunes et qu'ils sont responsables d'environ 50 â 86% des actes délinquants perpétrés. En Suisse, tout comme dans d'autres pays européens, une réticence existe à utiliser le terme de gang pour parler des bandes de jeunes délinquants. Pourtant, ce terme implique de nombreux stéréotypes qui ne correspondent toutefois pas à la majorité des gangs américains. Ainsi, il apparaît que certaines bandes de jeunes délinquants présentes dans des pays européens peuvent être qualifiées de gangs. Cette manifestation de ta délinquance juvénile est de plus en plus étudiée par les chercheurs européens qui démontrent également la sur-criminalité de leurs membres. I La présente recherche évalue dans quelle proportion tes membres de gangs existent en Suisse et Quel est leur niveau d'implication dans la délinquance. Leur victimisation ainsi que les facteurs de risque de l'affiliation à de tels groupes y sont également analysés. Pour ce faire, les données de deux enquêtes ont été utilisées, à savoir l'enquête des jeunes et de l'insécurité portant sur 4'690 élèves de 8'? et 9*? année scolaire du canton de Vaud, ainsi que la deuxième vague du sondage de délinquance auto-reportée portant sur 3'648 jeunes suisses ayant entre 12 et 16 ans (ISRD-2 -International Self Reported Delinquency-). Ainsi, 4.6% des jeunes suisses, selon la recherche de l'ISRD-2, et 6.5% des jeunes vaudois, selon l'enquête des jeunes et de l'insécurité, appartiennent à un gang ; un tiers des membres étant de sexe féminin. Un lien fort entre la commission de délits et l'affiliation à un gang a été mis en évidence dans les deux enquêtes. Un adolescent qui ne fait pas partie d'un gang commet en moyenne 1.9 délits par année, un jeune qui a des pairs délinquants en commet en moyenne 7.2, alors que la moyenne annuelle des jeunes qui appartiennent à un gang s'élève à 16. Le risque de devenir victime est également plus important lorsqu'un jeune fait partie de tels groupes, puisqu'il est 4 à 5 fois plus élevé pour les agressions et les brigandages. Des comparaisons internationales, basées sur l'enquête de l'lSRD-2, ont pu être effectuées, mettant en exergue la sur-criminalité des membres de gangs ainsi que leur vulnérabilité face à la victimisation. Des facteurs de risque de l'affiliation è un gang, tels que l'influence de l'accessibilité à la drogue dans les quartiers où habitent les jeunes, le manque d'autocontrôlé de ces derniers ou leur consommation de cannabis ont été relevés

Phase-field model for Hele-Shaw flows with arabitrary contrast II: numerical approach

We present a phase-field model for the dynamics of the interface between two inmiscible fluids with arbitrary viscosity contrast in a rectangular Hele-Shaw cell. With asymptotic matching techniques we check the model to yield the right Hele-Shaw equations in the sharp-interface limit, and compute the corrections to these equations to first order in the interface thickness. We also compute the effect of such corrections on the linear dispersion relation of the planar interface. We discuss in detail the conditions on the interface thickness to control the accuracy and convergence of the phase-field model to the limiting Hele-Shaw dynamics. In particular, the convergence appears to be slower for high viscosity contrasts.

Pain and beliefs after musuloskeletal trauma: Complex relationships during the first year of rehabilitation

Introduction.- Pain and beliefs have an influence on the patient's course in rehabilitation and their relationships are complex. The aim of this study was to understand the relationships between pain at admission and the evolution of beliefs during rehabilitation as well as the relationships between pain and beliefs one year after rehabilitation.Patients and methods.- Six hundred and thirty-one consecutive patients admitted in rehabilitation after musculoskeletal trauma, were included and assessed at admission, at discharge and one year after discharge. Pain was measured by VAS (Visual Analogical Scale) and beliefs by judgement on Lickert scales. Four kinds of beliefs were evaluated: fear of a severe origin of pain, fear of movement, fear of pain and feeling of distress (loss of control). The association between pain and beliefs was assessed by logistic regressions, adjusted for gender, age, native language, education and bio-psycho-social complexity.Results.- At discharge, 44% of patients felt less distressed by pain, 34% are reinsured with regard to their fear of a severe origin of pain, 38% have less fear of pain and 33% have less fear of movement. The higher the pain at admission, the higher the probability that the distress diminished, this being true up to a threshold (70 mm/100) beyond which there was a plateau. At one year, the higher the pain, the more dysfunctional the fears.Discussion.- The relationships between pain and beliefs are complex and may change all along rehabilitation. During hospitalization, one could hope that the patient would be reinsured and would gain self-control again, if pain does not exceed a certain threshold. After one year, high pain increases the risk of dysfunctional beliefs. For clinical practice, these data suggest to think in terms of the more accessible "entrance door", act against pain and/or against beliefs, adpated to each patient.

La adquisición de las competencies de autoregulación. Análisis de su concepción y aprendizaje en diferentes estudios universitarios.

Es presenta una recerca sobre la competència d'autoregulació de l'aprenentatge d'estudiants universitaris. Des d'una perspectiva socio-constructivista i d'acord amb les fases d'adquisició de l'autoregulació proposades per Zimmerman (2000), s'analitzen les seves dimensions i, específicament, la planificació de l'aprenentatge individual i de grup. Es van analitzar quatre propostes d'innovació docent sobre l'ensenyament de l'autoregulació. Van participar 9 professors i 386 alumnes de la Universitat de Barcelona, pertanyents a tres estudis (Biologia, Formació del Professorat i Psicologia) i que cursaven quatre assignatures diferents durant el curs acadèmic 2007-2008. Els resultats, en el seu conjunt, mostren que els estudiants: entenen la planificació com una activitat formal ubicada exclusivament a l' inici del procés d'aprenentatge; redueixen la seva funció a l'organització del treball, i no relacionen el seu ús amb la gestió, individual i de grup, dels esforços dirigits a construir coneixement.

La adquisición de las competencies de autoregulación. Análisis de su concepción y aprendizaje en diferentes estudios universitarios.

Es presenta una recerca sobre la competència d'autoregulació de l'aprenentatge d'estudiants universitaris. Des d'una perspectiva socio-constructivista i d'acord amb les fases d'adquisició de l'autoregulació proposades per Zimmerman (2000), s'analitzen les seves dimensions i, específicament, la planificació de l'aprenentatge individual i de grup. Es van analitzar quatre propostes d'innovació docent sobre l'ensenyament de l'autoregulació. Van participar 9 professors i 386 alumnes de la Universitat de Barcelona, pertanyents a tres estudis (Biologia, Formació del Professorat i Psicologia) i que cursaven quatre assignatures diferents durant el curs acadèmic 2007-2008. Els resultats, en el seu conjunt, mostren que els estudiants: entenen la planificació com una activitat formal ubicada exclusivament a l' inici del procés d'aprenentatge; redueixen la seva funció a l'organització del treball, i no relacionen el seu ús amb la gestió, individual i de grup, dels esforços dirigits a construir coneixement.

La adquisición de las competencies de autoregulación. Análisis de su concepción y aprendizaje en diferentes estudios universitarios.

Es presenta una recerca sobre la competència d'autoregulació de l'aprenentatge d'estudiants universitaris. Des d'una perspectiva socio-constructivista i d'acord amb les fases d'adquisició de l'autoregulació proposades per Zimmerman (2000), s'analitzen les seves dimensions i, específicament, la planificació de l'aprenentatge individual i de grup. Es van analitzar quatre propostes d'innovació docent sobre l'ensenyament de l'autoregulació. Van participar 9 professors i 386 alumnes de la Universitat de Barcelona, pertanyents a tres estudis (Biologia, Formació del Professorat i Psicologia) i que cursaven quatre assignatures diferents durant el curs acadèmic 2007-2008. Els resultats, en el seu conjunt, mostren que els estudiants: entenen la planificació com una activitat formal ubicada exclusivament a l' inici del procés d'aprenentatge; redueixen la seva funció a l'organització del treball, i no relacionen el seu ús amb la gestió, individual i de grup, dels esforços dirigits a construir coneixement.

Eficàcia de les intervencions infermeres per a l'autocontrol de la tensió arterial en persones hipertenses

Fonaments: La hipertensió és una malaltia crònica amb alta prevalença al món. Els estils de vidasaludables es relacionen directament amb aquesta patologia pel que el rol de la infermeria és clauen el desenvolupament d'eines i intervencions per millorar l'autocontrol dels pacients hipertensosmitjançant l'educació sanitària.Objectiu: És valorar l'eficàcia de les intervencions en consultes d'infermera per a l'autocontrol dela tensió arterial en pacients amb hipertensió arterial respecte al seguiment habitual d'aquestspacients en consultes mèdiques.Mètode: S'estudiaran a 34 adults hipertensos mitjançant un assaig clínic aleatoritzat en dos grupsde 17 pacients hipertensos. El grup experimental serà objecte d'unes intervencions educativessobre la hipertensió i la repercussió dels estils de vida pel control d'aquesta patologia per partd'infermeria, a més a més, d'un control rutinari mèdic. Mentre que el grup control solamentassistirà als controls rutinaris mèdics sobre la hipertensió i no rebrà intervencions infermeres. Enl'avaluació de les dades es tindran en compte les variables de la mesura de la tensió arterial, ladieta, l'exercici físic i el seguiment del tractament, a més de diferents variablessociodemogràfiques com són l'edat, el gènere i el nivell socioeconòmic. Les dades s'analitzaranmitjançant Chi Cuadrat per a les variables qualitatives, la Correlació de Pearson i la de Spearmanper a les variables quantitatives i, finalment, la T de Student per a la comparació de la mitja de lesdues mostres independents.Conclusió: Amb l'assaig clínic es pretés demostrar que les intervencions d’infermeria en consultesmilloren l'autocontrol dels pacients amb hipertensió arterial, és a dir, són eficaces.

Smith Predictor Sliding Mode Closed-loop Glucose Controller in Type 1 Diabetes

Type 1 diabetic patients depend on external insulin delivery to keep their blood glucose within near-normal ranges. In this work, two robust closed-loop controllers for blood glucose regulation are developed to prevent the life-threatening hypoglycemia, as well as to avoid extended hyperglycemia. The proposed controllers are designed by using the sliding mode control technique in a Smith predictor structure. To improve meal disturbance rejection, a simple feedforward controller is added to inject meal-time insulin bolus. Simulations scenarios were used to test the controllers, and showed the controllers ability to maintain the glucose levels within the safe limits in the presence of errors in measurements, modeling and meal estimation

Proposta d’un programa d’intervenció psicoeducativa per a un infant de 6 anys amb possible TDAH

Aquest treball té per objectiu identificar i avaluar preventivament les característiques d’un infant de sis anys que podrien desenvolupar el Trastorn per Dèficit d’Atenció amb Hiperactivitat. Per a la realització d’aquest treball es va proposar realitzar un programa psicopedagògic enfocat a millorar diferents comportaments negatius del propi infant. El programa està constituït per cinc activitats, realitzades amb tot el grup-classe, que intenten millorar diversos conceptes: la consciència emocional, el nivell d’empatia, l’autoestima i l’autocontrol emocional. El subjectes del grup d’intervenció han millorat en els diferents comportaments, i en concret, s’ ha vist un canvi important positiu en la conducta de l’infant. A més, l’observació d’actuacions no adequades en infants d’edats primerenques suposarà realitzar un bon treball psicopedagògic per poder-les prevenir o disminuir.

Evaluation of Work Zone Speed Reduction Measures, 2000

The Iowa Department of Transportation (DOT) has made improving work zone (WZ) safety a high priority. Managing vehicle speeds through work zones is perceived to be an important factor in achieving this goal. A number of speed reduction techniques are currently used by transportation agencies throughout the country to control speeds and reduce speed variation at work zones. The purpose of this project is to study these and other applicable work zone speed reduction strategies. Furthermore, this research explores transportation agencies' policies regarding managing speeds in long-term, short-term, and moving work zones. This report consists of three chapters. The first chapter, a literature review, examines the current speed reduction practices at work zones and provides a review of the relevant literature. The speed control strategies reviewed in this chapter range from posting regulatory and advisory speed limit signs to using the latest radar technologies to reduce speeds at work zones. The second chapter includes a short write-up for each identified speed control technique. The write-up includes a description, the results of any field tests, the benefits and the costs of the technology or technique. To learn more about other state policies regarding work zone speed reduction and management, the Center for Transportation Research and Education conducted a survey. The survey consists of six multipart questions. The third chapter provides summaries of the response to each question.

La Multimetodología autobiográfica extendida y los fondos de identidad

The main goal of this article is to illustrate a way of detecting identity foundations in people using extended autobiographical multi-methodology as a qualitative approach that combines different techniques to study the narrative construction of identity. There are four groups of techniques: 1) in-depth interviews; 2) the revised self-portrait technique; 3) the analysis of artifacts, routines and ways of living, and 4) “psycho-geographical maps.” “Identity foundations” are understood as a set of resources (toolbox) that have been historicallyaccumulated, culturally developed and socially distributed and transmitted, which are essential for defining and presenting oneself. Two examples are provided that illustrate how to use this methodological approach to achieve the aforementioned objective. In conclusion, the study recommends taking into account the explicit and implicit, underlying cultural forces involved in constructing human identity

Stage fright: its experience as a problem and coping with it.

PURPOSE AND METHOD: This questionnaire survey of 190 university music students assessed negative feelings of music performance anxiety (MPA) before performing, the experience of stage fright as a problem, and how closely they are associated with each other. The study further investigated whether the experience of stage fright as a problem and negative feelings of MPA predict the coping behavior of the music students. Rarely addressed coping issues were assessed, i.e., self-perceived effectiveness of different coping strategies, knowledge of possible risks and acceptance of substance-based coping strategies, and need for more support.RESULTS: The results show that one-third of the students experienced stage fright as a problem and that this was only moderately correlated with negative feelings of MPA. The experience of stage fright as a problem significantly predicted the frequency of use and the acceptance of medication as a coping strategy. Breathing exercises and self-control techniques were rated as effective as medication. Finally, students expressed a strong need to receive more support (65%) and more information (84%) concerning stage fright.CONCLUSION: Stage fright was experienced as a problem and perceived as having negative career consequences by a considerable percentage of the surveyed students. In addition to a desire for more help and support, the students expressed an openness and willingness to seriously discuss and address the topic of stage fright. This provides a necessary and promising basis for optimal career preparation and, hence, an opportunity to prevent occupational problems in professional musicians. [Authors]