Personality Factors,Money Attitudes,Financial Knowledge,and Credit‐Card Debt in College Students1

The issue of credit‐card debt among college students has received increasing attention. This study explored factors hypothesized to be causes and effects of credit‐card debt in 448 students on five college campuses. Students reported an average of $1,035 (SD=$1,849) in debt, including students without credit cards or credit‐card debt. Lack of financial knowledge, age, number of credit cards, delay of gratification, and attitudes toward credit‐card use were related to debt. Sensation seeking, materialism, the Student Attitude Toward Debt scale, gender, and grade point average were not unique predictors of debt. Students reporting greater debt reported greater stress and decreased financial well being. Results highlight the need for comprehensive financial literacy education among college students.     

The faith of pastoral counseling: Power to change

Pastoral counseling is counseling based on a specific faith. As presented in the biblical heritage, this faith is a power to effect change in one's life. Resistance to affirming this power is basically a fear of failure. Yet failure in the scope of this faith is the prelude to victory. Resistance to admitting our defeats is supported by the cultural assumption that one can accomplish anything by will power and hard work. In contrast, the faith of pastoral counseling is based on the Good News of reconciliation with our failures. Faith functions through the faculty of imagination and is stimulated and supported by caring relationships.     

Money,Money, Money: Gift Exchange and Credit Giving in Coastal Kerala

For Kerala’s Latin Catholics, financial expenses related to life-cycle events like weddings, baptisms, funerals, and paying for children’s education or for medical treatment are customary expenditures. Yet, many Malayali Latin Catholics in the coastal region are craftsmen and fishermen, and their incomes tend to be unsteady. When they cannot afford these costs using their own resources, borrowing money and accruing debt is a common solution. Besides loans from banks and other institutions, credit is given among relatives, friends, neighbors, and acquaintances. This type of credit is known as ka?a? (“debt”). The article argues that ka?a? can be interpreted as a kind of gift exchange, since it is inseparable from the people involved and the (kind of) relationship that exists between them. Interdependence is the necessary basis of ka?a?, and like gift exchange, credit giving among relatives and friends serves to confirm and strengthen existing relationships.     

Determinants of credit card debt: Differentiating between revolving credit debt and petty installment loan in China

This research explores the determinants of the probability of having credit debt, as well as the determinants of the severity of credit card debt. Credit card debt includes revolving credit debt and petty installment loan. The severity of credit card debt was measured by the duration of revolving credit debt and the amount of petty installment loans. Analysis of behavioral data from a Chinese commercial bank showed a significant difference between the determinants of the probability of having credit card debt and the determinants of the severity of credit card debt. Specifically, credit limit, gender, length of ownership of a credit card, and the total credit card expenditure were closely related to the likelihood of having revolving credit debt and to the duration of revolving credit debt. However, age, the square of age, credit ranking, and risk ranking were significantly correlated with the likelihood of having revolving credit debt rather than the duration of revolving credit debt. Credit card balance had a special influence on the duration of revolving credit debt. Compared with revolving credit debt, petty installment loan had few significantly related factors. Both age and the square of age could significantly predict both the likelihood of having petty installment loan and amount of petty installment loan. Credit ranking, risk ranking, and gender predicted the likelihood of having petty installment loan but did not correlate with the amount of petty installment loan. The frequency of petty installment use was closely related to the amount of petty installment loan. Copyright © 2014 John Wiley & Sons, Ltd.     

Factors Influencing Levels of Credit‐Card Debt in College Students1

The current study examined the relationship between money attitudes, impulsivity, locus of control, life satisfaction, and stress and credit‐card debt in 227 college students. Students reported an average credit‐card debt of $ 1,518, with over 75% of students holding at least one credit card. Students with credit cards from on‐campus solicitation had higher debt‐to‐income ratios than did those with credit cards from other sources. Personality variables were generally unrelated to level of debt, although they were related to attitudes toward money. Many students requested information about credit and debt, suggesting that knowledge of financial issues may be an important variable for future consideration.     

Attitudes towards credit and finances among college students in China and the United States

Although there is growing concern about the issue of credit card debt among college students in China, little research has examined attitudes to money and debt among that group. The present study compared financial self‐confidence, perceived financial wellbeing, attitudes to debt, and parent education about money and debt in 410 college students from the US and China. Although college students in China reported fewer credit cards and less debt, they also reported lower levels of financial self‐confidence and financial wellbeing. In both cultures, delay of gratification and parental education predicted both self‐confidence and financial wellbeing.     

RELIGION AND SCIENCE IN DIALOGUE: AN ASIAN CHRISTIAN VIEW

We may understand natural science as part of the attempt by human beings to understand themselves and their place in the world in which they find themselves. In this sense, as Karl Rahner has suggested, natural science flows naturally into anthropology. Consciously or unconsciously, science is always part of the drive to self‐understanding. In an age of religious pluralism like ours, Christian faith in Asia is also brought face to face with the living reality of other religions, and that, too, cannot but affect how we understand our shared humanity.     

Do Community Characteristics Relate to Young Adult College Students’ Credit Card Debt? The Hypothesized Role of Collective Institutional Efficacy

This study examines the extent of emergent, outstanding credit card debt among young adult college students and investigates whether any associations existed between this credit card debt and the characteristics of the communities in which these students grew up or lived. Using data (N = 748) from a longitudinal survey and merging community characteristics measured at the zip code level, we confirmed that a community's unemployment rate, average total debt, average credit score, and number of bank branch offices were associated with a young adult college student's acquisition and accumulation of credit card debt. For example, a community's higher unemployment rate and lower number of bank branches were associated with a young adult college student's greater accumulated debt. Community characteristics had the strongest associations with credit card debt, especially after controlling for individual characteristics (i.e., a young adult college student's race and financial independence) and familial characteristics (i.e., their parents’ income and parents’ discussions of financial matters while growing up at home). The findings may help to understand the unique roles that communities play in shaping children and young adults’ financial capability, and how communities can be better capacitated to support the financial goals of their residents.     

The discourse on faith and medicine: a tale of two literatures

Research and writing at the intersection of faith and medicine by now include thousands of published studies, review articles, books, chapters, and essays. Yet this emerging field has been described, from within, as disheveled on account of imprecision and lack of careful attention to conceptual and theoretical concerns. An important source of confusion is the fact that scholarship in this field constitutes two distinct literatures, or rather meta-literatures, which can be termed (a) faith as a problematic for medicine and (b) medicine as a problematic for faith. These categories represent distinct theoretical lenses for viewing the intersection of faith and medicine. Observations about these two approaches are offered, along with insights about why the discourse on faith and medicine should become better integrated into discussions of religion and science.     

TECHNO‐SECULARISM,RELIGION, AND THE CREATED CO‐CREATOR

Abstract. I take up the challenge posed by John Caiazza (2005) to face down the religiously vacuous ethics of techno‐secularism. Techno‐secularism is not enough for human fulfillment let alone human flowering. Yet, communities of faith based on the Bible have a positive responsibility to employ science and technology toward divinely appointed ends. We should study God's world through science and press technology into the service of transforming our world and our selves in light of our vision of God's promised new creation. This warrants invocation of the concept of the human being as the created co‐creator developed in the theology of Philip Hefner.     

A Spiritual Revolution in Denmark?

ABSTRACT

Based on data from the Danish part of the European Values Study 1981–2008, this article explores the validity of the claim for a spiritual revolution as proposed by Paul Heelas and Linda Woodhead. The article suggests an operationalisation of spirituality. The results of the analyses are that religious values—Christian faith as well as spirituality—tend to be stable over an individual’s life course. This suggests that, if there is a spiritual revolution, it must be the product of cohort replacement. If a spiritual revolution is taking place, Christian faith would be expected to decline in younger cohorts while spirituality would increase, but an analysis of cohort support for Christian faith and spirituality from 1981 to 2008 shows that both were constant across cohorts. Thus Danish data contain no indication that a spiritual revolution is taking place or will take place. Finally, we show that, contrary to theoretical expectations, spirituality and Christian faith are strongly correlated. A closer analysis reveals an indirect and more complicated support for parts of the theory since the two variables are explained by different factors and it shows that Christian faith, but not spirituality, is correlated with morality.     

Whose Authority? Perceptions of Science Education in Black and Latino Churches

Recent scholarship argues that beliefs in biblical literalism might keep conservative Protestants out of STEM. Two of the groups that are most underrepresented in STEM, black Americans and Latinos, are also two of the most religious populations in the United States, and specifically overrepresented in theologically conservative Christian traditions. Yet, prior work also suggests that churches help promote positive educational outcomes. To interrogate the potential relationship between STEM educational aspirations and religious faith, we explore how black and Latino Christians perceive the potential impact of science education on religious faith. Analysis of 40 interviews reveals that both black Americans and Latinos have concerns about science teachers being biased. Yet, the groups differ in their assessment of the danger of anti-religious bias. Black Americans put confidence in the Christian community to incubate children from harm to their faith; therefore, they believe the effect of science education on religious faith is either neutral or positive. Latinos, however, raise concerns about the authority of science educators, rather than science curriculum. Overall, the results shift the conversation on conservative religion and science education from solely discussing content to exploring issues of bias and authority.     

Teaching the Bible along the Devotional/Academic Faultline: An Incarnational Approach to the Quarrel between Love and Knowledge

Abstract. There seem to be two irreconcilable approaches to reading the Bible, and these often collide in an undergraduate's first college class in religion. Students from a devotional background find the scholarly approach a disappointment compared with their preferred way of reading. Yet upon closer examination the limits of an exclusively devotional way or an exclusively academic way soon become apparent. A way beyond this impasse is described as an incarnational approach, which seeks to honor the integrity of the literary, cultural, and historical features of the Bible while also taking seriously the personal faith of both student and instructor. This strategy is not original of course, but is a case study of a way in which the Christian tradition may address the quarrel between two competing ways of reading and turn it into a conversation.     

THE ESCHATOLOGICAL CHARACTER OF OUR KNOWLEDGE OF GOD

In this essay, I show how Thomas Aquinas circumscribes epistemological questions concerning both the possibility and character of our knowledge of God within a larger eschatological framework that acknowledges the beatific vision as the ultimate good that we desire as well as the ultimate end for which we were created. Thus, knowledge of God is possible and actual on Aquinas's view because it is eternally rather than merely temporally indexed—that is, properly attributable to the blessed in heaven and only derivatively attributable to persons of faith. I further argue that interpreting Aquinas's account of faith in the light of his account of the beatific vision allows us to carve out polemical space for the theologically realist claim that there can be and in fact is objectivity in our knowledge of God, whether that knowledge comes through faith (in this life) or the beatific vision (in the next life).     

IS THERE A TENSION IN WITTGENSTEIN'S PHILOSOPHY OF RELIGION?

This paper responds to Severin Schroeder's recent charge that Wittgenstein's philosophy of religion contains an ‘unresolved tension’ between three propositions, namely: (1) ‘As a hypothesis, God's existence (&c) is extremely implausible’; (2) ‘Christian faith is not unreasonable’; and (3) ‘Christian faith does involve belief in God's existence (&c)’. I argue as follows: that the first of these propositions has no place in Wittgenstein's thinking on religion; that the second is ill‐phrased and should be re‐worded as the proposition that ‘Christian faith is neither unreasonable nor reasonable’; and that the third proposition (contrary to what Schroeder seems to assume) tells us nothing about the nature of the objects of religious belief. It follows from my argument that Schroeder has not exposed a tension in Wittgenstein's thoughts on religion. I end with some positive remarks about Wittgenstein's method.     

The War Between Faith and Fact

Is there a war going on between science and religion or not? The Center for Theology and the Natural Sciences and many other bridge-building advocates deny that a war must be fought between genuine science and authentic faith. Yet, a new book, Faith vs. Fact, by Jerry Coyne, launches a new attack against those with faith in God. This essay asks whether such an attack comes from genuine science or from scientism—a materialist ideology that claims rational science as its ally.     

日本市场经济的伦理支撑与反思

集团主义、忠诚、竞争合作、报恩等是支撑日本市场经济的主要伦理原则。对这些原则的研究,是建设社会主义经济伦理的重要参考。     

Toward pastoral counseling integration: one Bowen oriented approach

Integration between the resources of faith and of the behavioral sciences in pastoral counseling is a challenging endeavor. The two domains have points of contact and many shared values. Yet, their fundamental presuppositions are quite different. The multiplicity of faith positions and of behavioral science positions complicates the effort enormously. This article presents one application of a comprehensive model of integration in one composite case. Based on an understanding of Bowen Theory, such a model (1) treats the relationship between the client and God in a way similar to the client's other significant relationships, (2) involves religious community and sacred texts as "God's available next of kin," and (3) considers "I positions" (which include the idea of therapist neutrality) as a framework for therapist authentic expression of faith without an authoritarian attempt to dictate the faith of the client. This case illustrates how one intervention based on this model made a positive contribution to the well being of a representative client. Therapists with other faith positions and other behavioral science positions would develop different models of integration, of course. This small slice of one case example is offered to further the discussion as others take positions of their own.     

The infant and the infinite: On psychoanalytic faith – Bion,Meltzer and Kierkegaard

This paper discusses the meaning of psychoanalytic faith as a useful developmental concept, which applies to the therapeutic process in the consulting room as to other intimate educational experiences. Faith is a concept which has been little considered in relation to psychoanalysis, partly owing to semantic confusion with ‘the Faith’ as in religious or psychoanalytic dogma, and partly owing to the difficulty of defining or describing what it is, outside accepted jargon. Yet, faith is traditionally the gateway to experiencing the unknown – a psychoanalytic goal-demanding negative capability. It is suggested that philosophy and poetry, where the concept is more familiar, can provide psychoanalytic parallels for this particular type of learning from experience. The viewpoints of Bion, Meltzer and Kierkegaard are taken as contributing to a picture of how, in the psychoanalytic session, there may be a developmental encounter between the infant (patient) and the infinite (the transference process, rather than the analyst as a person).