Going into retirement, near-retirees are looking at increased debt levels, which can offset any asset accumulations and reduce retirement income. By using data from the 2008 Health and Retirement Study (HRS), this study examines the debt and negative net worth of near-retirees. This study further investigates what factors are associated with the likelihood of holding consumer debt, holding mortgage debt, and holding home equity debt over holding no debt, and what factors are associated with the likelihood of holding negative net worth over holding a high level of net worth among near-retirees. The study sample includes 3,745 individuals between the ages of 51 and 64. The results of the multinomial logistic regression analysis indicate that, all else being equal, human capital factors such as education, physical health problems, and depression symptoms play a significant role in predicting the likelihood of holding debt and negative net worth. In particular, education is positively associated with the likelihood of holding consumer, mortgage, and home equity debt over holding no debt, while it is negatively associated with the likelihood of having negative net worth over having a high level of net worth. Among the socioeconomic characteristics that influence the likelihood of near-retirees holding debt and negative net worth are household income, working in the labor force, and race. In particular, household income positively influences the likelihood of holding mortgage debt over holding no mortgage debt as well as the likelihood of holding home equity debt over holding no home equity debt. However, household income negatively influences the likelihood of having negative net worth over having a higher level of net worth. The findings of this study could help financial educators, financial planners, and policymakers understand the differences in human capital and socioeconomic characteristics of near-retirees who hold some levels of debt over no debt and who hold no net worth or a lower level of net worth over a higher level of net worth. This study concludes that it is important for professionals, consumer educators, and financial planners to provide those who hold higher levels of debt and lower levels of net worth with financial literacy education; therefore, these individuals might be able to attain economic well-being in retirement.

Over the course of the past several decades the benefits of redeveloping brownfields have been widely recognized. Actions have been taken to foster sustainable redevelopment of brownfields by government, policy makers and stakeholders across the world. However, redevelopments encounter great challenges and risks related to environmental and non-environmental issues. In this work, we intend to build a comprehensive and practical framework to evaluate the hydrogeological and financial risks involved during redevelopment and to ensure developers reserve sufficient capital to cover unexpected future costs within the guarantee period. Punitive damages, which contribute to these costs, are in this thesis solely associated with the cost of repossessing a house within a development should the indoor air concentration of TCE exceed the regulatory limit at a later time. The uncertainties associated with brownfield remediation have been among the barriers to brownfield redevelopment. This is mainly caused by the lack of knowledge about a site’s environmental condition. In order to alleviate uncertainties and to better understand the contaminant transport process in the subsurface, numerical simulations have been conducted to investigate the role of controlling parameters in determining the fate and transport of volatile organic compounds originating from a NAPL source zone located below the water table in the subsurface. In the first part of this thesis, the numerical model CompFlow Bio is used on a hypothesized three-dimensional problem geometry where multiple residential dwellings are built. The simulations indicate that uncertainty in the simulated indoor air concentration is sensitive to heterogeneity in the permeability structure of a stratigraphically continuous aquifer with uncertainty defined as the probability of exceeding a regulatory limit. Houses which are laterally offset from the groundwater plume are less affected by vapour intrusion due to limited transverse horizontal flux of TCE within the groundwater plume in agreement with the ASTM (2008) guidance. Within this uncertainty framework, we show that the Johnson and Ettinger (1991) model generates overly-conservative results and contributes to the exclusion zone being much further away from the groundwater plume relative to either CompFlow Bio or ASTM (2008). The probability of failure (or the probability of exceedence of the regulatory limit) is defined and calculated for further study. Due to uncertainties resulting from parameter estimation and model prediction, a methodology is introduced to incorporate field measurements into the initial estimates from the numerical model in order to improve prediction accuracy. The principle idea of this methodology is to combine the geostatistical tool kriging with the statistical data assimilation method Kalman filter to evaluate the worth and effectiveness of data in a quantitative way in order to select an optimal sampling scenario. This methodology is also used to infer whether one of the houses located adjacent to affected houses has indoor air problems based on the measurements subject to the observation that the affected house is monitored and has problems and developers have liability if a problem occurs. In this part of the study, different sampling scenarios are set up in terms of permeability (1 – 80 boreholes) and soil gas concentration (2, 4 and 7 samples) and three metrics are defined and computed as a criterion for comparison. Financing brownfield redevelopment is often viewed as a major barrier to the development process mainly due to risks and liabilities associated with brownfields. The common way of managing the risk is to transfer it to insurers by purchasing insurance coverage. This work provides two different strategies to price the risk, which is equivalent to an insurance premium. It is intended to give an instructive insight into project planning and feasibility studies during the decision-making process of a brownfield project. The two strategies of risk capital valuation are an actuarial premium calculation principle and a martingale premium calculation principle accounting for the hydrogeological and financial uncertainties faced in a project. The data used for valuation are the posterior estimates of data assimilation obtained from the results of different sampling scenarios. The cost-benefit-risk analysis is employed as a basis to construct the objective function in order to find the least cost among sampling scenarios for the project. As a result, it shows that drilling seven boreholes to extract permeability data and taking soil gas samplings in four locations or seven locations alternatively give the minimum total cost. Sensitivity analysis of some influential parameters (the safety loading factors and the possible methods to calculate the probability of failure) is performed to determine their roles of importance in the risk capital valuation. This framework can be applied to provide guidance for other risk-based environmental projects.

The purpose of this study was to come to a greater understanding of the experiences of birth mothers of children with FASD since the birth of their child. The principles of feminist research practice were utilized throughout in order to give a voice to the women who participated in the study. The research followed the general guidelines to conducting hermeneutic phenomenology outlined by van Manen (1990). Purposeful sampling was used to recruit four birth mothers of children with FASD who have been involved in the mothering of that child. Data was generated through three semi-structured interviews with each participant, including a hermeneutic interview in which the women participated in the process of interpretation. Data was analysed using selective, detailed and wholistic methods and through the process of writing and re-writing (van Manen, 1990).<p> The results focus on the social and emotional experiences of the women who participated in the study. The experience of being a birth mother of a child with FASD is represented in a discussion of four main themes: Living with the Past: Self-Forgiven, yet Always Present; Living with Others: Judgement and Understanding; Living with the Self: Unworthy and Unfit; and Living with Ambivalence: Mothering as a Birth Mother. The implications of this research in relation to the understanding of the experiences of birth mothers of children with FASD and potential supports are discussed.

The purpose of this study was to come to a greater understanding of the experiences of birth mothers of children with FASD since the birth of their child. The principles of feminist research practice were utilized throughout in order to give a voice to the women who participated in the study. The research followed the general guidelines to conducting hermeneutic phenomenology outlined by van Manen (1990). Purposeful sampling was used to recruit four birth mothers of children with FASD who have been involved in the mothering of that child. Data was generated through three semi-structured interviews with each participant, including a hermeneutic interview in which the women participated in the process of interpretation. Data was analysed using selective, detailed and wholistic methods and through the process of writing and re-writing (van Manen, 1990).<p> The results focus on the social and emotional experiences of the women who participated in the study. The experience of being a birth mother of a child with FASD is represented in a discussion of four main themes: Living with the Past: Self-Forgiven, yet Always Present; Living with Others: Judgement and Understanding; Living with the Self: Unworthy and Unfit; and Living with Ambivalence: Mothering as a Birth Mother. The implications of this research in relation to the understanding of the experiences of birth mothers of children with FASD and potential supports are discussed.

In the 1960s a movement by the National Audubon Society encouraged growing communities to set aside a portion of undeveloped land to be used as nature centers to teach conservation and natural history while allowing people to cultivate an understanding and appreciation of nature. This research responds to the need for a greater understanding of who is visiting nature centers in the 21st century and why. A key question is whether or not nature centers have kept up with changing times and advancing technologies. No research has been conducted to determine if nature centers are still relevant today to a society accustomed to living and learning electronically in a virtual reality. In order to determine who visits nature centers and why, a questionnaire was developed and administered to Members and Non-members of the Fort Worth Nature Center & Refuge (FWNC) of Fort Worth, TX. It was determined that visitors to the FWNC were not representative of the general population of the surrounding area. They were older, predominantly white, and had higher education levels. Using the membership in a Friends organization as a representative population of nature center visitors, it was determined that the Non-member visitors were similar to the Members except that they were younger. Members visited the FWNC with a higher degree of frequency than Non-members, but there was no difference in degree of visitation to other nature centers. Both groups identified "lack of time" as the primary barrier to increased visitation. Members appeared to be seeking specific, educational experiences compared to Non-members who tended to seek more general, recreational experiences. Members had more specific knowledge about benefits and services that the FWNC provided the community. Overall, both groups were satisfied with their visits, with Members having a more defined set of expectations and a higher level of satisfaction. This preliminary assessment suggests that nature centers continue to be a relevant source for education, recreation and relaxation, and continue to remain a unique resource in keeping 21st century society connected to the nature world.

No description available.

Thesis (D. Ed. Min.)--Southwestern Baptist Theological Seminary, 2003. / Includes bibliographical references (leaves 113-118).

The present study examines how legitimacy is created in consultants’ translation of the Integrated Reporting (IR) framework in a Swedish context. The aim was to understand which logics from the sociology of worth (SOW) the consultants’ translation of the IR framework will build on in making it a legitimate practice in a Swedish context. The study employed three aspects presented by Patriotta et al. (2011), where actors provide justifications in order to attain legitimacy, to describe the translation process. Boltanski and Thévenot’s SOW was applied to discern what logics that were present and compromised upon in the translation process to make the IR framework a legitimate practice in a Swedish context.  The present study mainly found the logics of fame, industrial and market, but other logics was also found in the process of making a legitimate translation of the IR framework by the consultants. Thus resulting in a broad compromise of logics, generating potentially vague and ambiguous statements of sustainability. If integrated reporting is the future for corporate reporting, then these dominating logics in the translation of the IR framework might set the tone for the sustainability reporting that will be spread by consultants in a Swedish context.

Brownfield developments offer cities and developers an opportunity to engage with the public in ways unavailable to greenfield developments as brownfield redevelopments are generally found in established neighborhoods where the site’s history has been deeply intertwined with the history of the neighborhood. However, the levels of public participation vary widely from state to state, city to city, and even project to project; resulting in an array of positive and negative outcomes for all the stakeholders. It is under these varying participatory requirements and engagement strategies this research is grounded. First, the research addresses how varying levels of public participation affect stakeholders’ definitions of success or failure and how it was measured. Secondly, stakeholder’s perceptions of each other are analyzed to determine whether projects that had higher levels of participation also had higher instances of cooperation and collaboration. Thirdly, the research examines how stakeholders perceive the outputs and outcomes of a project and whether varying levels of participation affect stakeholders’ satisfaction with the project. Specific sites for this research were the Summerset at Frick Park, Pittsburgh, Pennsylvania, the Watershed at Hillsdale, Portland, Oregon, the Alta Design District, Dallas, Texas, and Montgomery Plaza, Fort Worth, Texas. / text

This qualitative study explored six post high school students' experiences within one high school Dance Academy program, over a four-year period, to learn if their dance experiences promoted student engagement. Student engagement occurs when students are invested in their learning, is the product of motivation and active learning, and is linked to student success. Semi-structured individual and group interviews were used as instruments of data collection and the data was transcribed and analyzed. Four main themes emerged from this study in relation to the students' experiences within the Dance Academy in relation to student engagement: 1) increased self-confidence, 2) healthy relationships amongst peers and with their teacher, 3) a sense of belonging, and 4) increased feelings if self-worth. The outcomes from this study indicate that dance, as part of a high school curriculum, was advantageous in providing these students with a unique learning experience that increased their relationship with the curriculum and fostered student engagement. Further research on the implications of teaching the arts, and in particular dance, in high school could benefit curricular programming and pedagogical practice.