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Talking of newspapers Charles Prestwick Scott said “At the peril of its soul it must see that the supply is not tainted. Neither in what it gives, nor in what it does not give, nor in the mode of presentation, must the unclouded face of truth suffer wrong. Comment is free but facts are sacred.” The aim of this monograph is to adhere as closely as is possible to Mr Scott's opinion. As far as the facts of the proposed legislation are concerned, these will of course be untainted; the commentary which follows from these facts however, being free, proposes to examine and analyse the untainted factual supply.

While mortgage markets have gradually emerged in many African countries, substantial barriers still hinder their growth and expansion. Affordability has been widely cited as a prominent issue that doggedly remains at the core of urban housing problems. Hence, this paper aims to investigate the determinants of mortgage price affordability.

Data were gathered using semi-structured questionnaires obtained from a sample drawn from three major West African mortgage financing institutions. Respondents rated the variables using a five-point Likert item rating. The survey results were analysed using exploratory factor analysis.

In total, 11 variables that influence mortgage affordability were categorised within five principal components, namely, economic factors, financial factors, property characteristics, developmental factors and geographical factors.

The results provide insightful guidance to policymakers and practitioners on how to mitigate affordability issues within Ghana’s fledgling mortgage market. Failure to address the mortgage price affordability conundrum will place enormous pressure upon social housing and rental accommodation.

The research findings expand existing frontiers of knowledge by investigating and reporting upon the determinants of mortgage price affordability. The work also engenders wider debate on the need to establish mortgage packages targeted at low-to-middle-income earners. The culmination of analysis and debate will provide a robust basis for developing a future housing policy framework.

This study contributes to the understanding of the health effects of pesticides exposure and of how pesticides have been and should be regulated.

This study presents literature reviews for the period 2000–2013 on (i) the health effects of pesticides and on (ii) preference valuation of health risks related to pesticides, as well as a discussion of the role of benefit-cost analysis applied to pesticide regulatory measures.

This study indicates that the health literature has focused on individuals with direct exposure to pesticides, i.e. farmers, while the literature on preference valuation has focused on those with indirect exposure, i.e. consumers. The discussion highlights the need to clarify the rationale for regulating pesticides, the role of risk perceptions in benefit-cost analysis, and the importance of inter-disciplinary research in this area.

This study relates findings of different disciplines (health, economics, public policy) regarding pesticides, and identifies gaps for future research.

This analysis addresses the question of how the goals motivating policies around markets for supplementary education are supported and reflected (or not) in the subsequent structures for those markets.

Drawing on policy documents and empirical research on these policies, we examine the policy contexts and market structures the low-intensity form of supplementary education (SE) seen in the United States relative to the high-intensity case of Korea – specifically, the supplementary educational services (SESs) of the No Child Left Behind Act of 2001 and the After School Programs (ASPs) in Korea, respectively.

The analysis finds that Korea is using school-based SE programs as an alternative to existing SE markets in order to mediate perceived free-market excesses, while the United States is subsidizing SE markets to address the negative consequences of inequitable schooling. Yet, even in different contexts and purposes, policymakers in both countries see a value to supplementary education as part of their overall education strategy, despite a lack of evidence on the effectiveness of these approaches. This commonality is reflective of the larger neoliberal approach, evident around the globe, of using market forces such as competitive incentives and parental choice to drive policy toward social objectives.

The significance of this analysis is the insight that these policy approaches, while different in context and policy specifics, represent an overall blurring of traditional distinctions between public and private organizations.

Many psychological, cultural, and social barriers exist that impact Black male participation in the workforce. In this chapter, authors discuss the impact that mentorship, racism, society, culture, economics, and other pertinent factors have on the career development of Black men. This chapter examines programs and strategies that effectively address the career development needs of Black men. A review of counseling interventions and their applicability to career counseling with Black men are presented. Emerging trends in career development for Black men are also discussed. In addition, provided in this chapter are personal narratives given by the authors who contextualize their career development experiences through culturally-specific career development theoretical frameworks. Lastly, implications for research, counseling, counselor education, and policy, as well as recommendations for professional development are offered.

To resolve an inherent dilemma in extant research on geographically dispersed research and development (R&D), this study explores interdependencies between formal and informal network structures. Firms that seek to benefit from the decentralization associated with disperse R&D must align it with an informal structure that enhances organizational members’ motivation to share and assimilate their unique knowledge and skills. On the basis of an investigation among 424 US biotechnology firms between 1973 and 2003, this study reveals the moderating effect of the firm’s informal social structure on the effect that geographically dispersed R&D personnel have on the exploration of new technological opportunities. Specifically, the higher the social network density among R&D members, the more likely geographic disparity is to affect exploration; however, this likelihood decreases with an increase in power asymmetries. These results offer insights into the conditions in which the appropriate management of geographically dispersed R&D varies.

The purpose of this paper is to discuss a broader societal trend toward the full realization of human potential and the points of convergence with social marketing. The ultimate goal of social marketing is to increase social good. The paper defines social good in a new light and makes the connection to well-being clearer, proposing an agenda for social marketers and highlighting the opportunities for a better positioning of social marketing in the marketplace of ideas.

This conceptual paper presents an overview of concepts and evidence on the drivers of human well-being. It also discusses some important questions at a broader societal level, such as the role of money and income on happiness and well-being. It presents the connections between this body of knowledge and social marketing, including a literature review from both fields.

Eliminating ill-being no longer seems satisfactory from a societal point of view in the current Zeitgeist. Societies have been searching for ways to alleviate illnesses and to increase the well-being of its citizens. Social marketing, as a powerful social technology for behavior change, must be part of this broader movement, achieving a better positioning in the marketplace of ideas. The paper proposes a six-point agenda to reach these goals.

The main theoretical implication is a call for social marketers to see the ultimate goal of the discipline (social good) under a new lens. This requires an update in the conceptual frameworks that orient the discipline. Another implication is the need for better upstream conceptual models in social marketing.

The paper suggest some practical implications, such as the opportunity to expand social marketing to countries that do not use it, the use of well-being drivers as inputs, means and outcomes in social marketing programs, and the role of the discipline in both alleviating poverty and in demarketing efforts.

The paper contributes by taking an outside perspective and a transdisciplinary approach. The fulfillment of human potential demands the attention to different drivers of human behavior and the search for new social solutions. It also requires a clear understanding of the role of factors like money and social connectedness. This paper approaches these questions with answers grounded on the existing evidence while providing some points for the development of social marketing theory and practice.

This study aims to investigate the decision-making processes of international retirement migrants. The development of a place in response to the high demand for international retirement migration has become an important strategy for stakeholders within host destinations; of particular interest is international retirement migrant behaviour and intention to stay and retire in a foreign country.

This research presents the results of a qualitative study using face-to-face interview techniques. Content analysis technique was used to analyse data from interviews with 33 international retirees in Thailand.

Destination stakeholders must consider creating awareness of the destination through WOM, trustworthy websites and government channels, which migrants evaluate a destination based on pre-retirement visits that create attachment and emotional feelings for the place, and finally, the decision-making processes of short stay, semi-permanent and permanent migrants.

This qualitative study investigated migrants from Europe, Australia and the USA. An understanding of IR migrants from Asia needs further research.

The results can be used as guidelines for government, hospitality and tourism stakeholders. IR migrants want different destination attributes to mainstream tourists, especially a peaceful environment, mild weather (not too cold or hot), and to live among locals.

This study examines migrant decision-making processes. The results provide a theoretical foundation for how IR migrants decide to retire overseas. This comprises three components: destination awareness, secondly, evaluation of the destination’s resources, and finally, the decision and implementation of their plans.

Library and Information Services within the Organisation It is quite possible for some managers to be unaware of the extent or even the existence of a library or information service within their organisation. This has become evident more than once at the beginning of both MBA and management development programmes where participants from the same organisation have been discussing access to information with the tutor. Manager “A” might know about the company library, being an occasional or frequent user; Manager “B” knows that there is a library but knows nothing of its services or its collection; Manager “C” is surprised to hear that there is a library. Arguably, managers within certain functions, notably marketing, are more likely than others to seek out and use information services within the organisation as they need more information concerning the “external environment”. Nonetheless during these discussions managers from all functions have expressed an interest in the available information services when they are told of their existence. At the end of the sessions, when they have been introduced to the management literature, there is often a determination not only to use the organisation's own library but to take an active part in selecting and requesting information sources.

The purpose of this paper is to combine conceptual and documentary research.

Drawing on a range of New Zealand curriculum documents and on the history of English subject in the New Zealand context, it maps aspects of the contestation that has accompanied the development of various versions of the subject over time. It also explores ways in which the subject has always drawn on a range of primary disciplinary discourses through a process of recontextualization (Bernstein, 2000).

Based on this analysis, it problematizes the conventional location of literary study within the English curriculum, arguing that this arrangement disadvantages English as an additional language (EAL) students with an interest in literature. As another plank in the argument, it argues that literary study is itself currently disadvantaged by being linked to narrowly conceived notions of textual practice and the pervasive power of high-stake assessment technologies in constructing content and pedagogy.

A solution to both problems is offered, arguing a case for relocating literary study in an expanded Arts curriculum. The paper then goes on to draw on the concept of disciplinary literacy, to argue a case for the “reinvention” of the English teacher as a cross-disciplinary resource teaching a re-framed subject renamed “Disciplinary Rhetorics”. It concludes by discussing the implications of these two re-envisionments for English teacher identities and the construction of their professional content and pedagogical knowledge.

The Standing Committee of the House of Commons on Trade, presided over by LORD E. FITZMAURICE, met again on July 16th and proceeded with the Sale of Adulterated Butter Bill.

This article aims to provide an overview on key trends in public sector policy and professional development and how they intersect with gender and diversity. It seeks to explore new configurations in the relationship between gender and the professions and to develop a matrix for the collection of articles presented in this volume.

The authors link social policy and governance approaches to the study of professions, using the health professions and academics as case studies. Material from a number of studies carried out by the authors together with published secondary sources provide the basis of our analysis; this is followed by an introduction of the scope and structure of this thematic issue.

The findings underline the significance of public policy as key to better understand gender and diversity in professional groups. The outline of major trends in public sector professions brings into focus both the persistence of gender inequality and the emergence of new lines of gendered divisions in the professions.

The research presented here highlights a need for new models of public sector management and professional development that are more sensitive to equality and diversity.

This article focuses on the “making” of inequality at the interface of public policy and professional action. It introduces a context sensitive approach that moves beyond equal opportunity policies and managerial accounts and highlights new directions in research and policy.

It has often been said that a great part of the strength of Aslib lies in the fact that it brings together those whose experience has been gained in many widely differing fields but who have a common interest in the means by which information may be collected and disseminated to the greatest advantage. Lists of its members have, therefore, a more than ordinary value since they present, in miniature, a cross‐section of institutions and individuals who share this special interest.

The “new public management” (NPM) “reforms” have been extensive in the public sector in the UK. The paper’s primary focus is on the managerial and organizational effects of these accounting and finance‐led changes in the specific context of schools and GP practices. Central to the paper’s analysis and conclusion is the way that, in both these areas, many of the changes are perceived as unhelpful, intrusive and potentially dangerous for the nature of the core activities and values which underlie these organizations. The organizational effect of this dominant attitude is to develop appropriate “absorbing” mechanisms to “manage” these changing “disturbances” so that core activities and values remain unaffected. The paper develops, in two ways, the published analyses of these absorption processes: first, by providing a comparison over time of these absorption processes in schools and GP practices using a wider data set and second, by extending the analysis to show how these processes change as the nature of the “disturbances” shift and develop over time. The paper ends with a call for a wide‐ranging evaluation of the merit and worth of these “reforms” both generally and in the specific context of schools and GP practices.

The present research attempts to address what kinds of attitude variables influence individuals' debt behavior. Although credit card debt has been extensively documented recently, the main focus is on the pure amount of debt. Little research is concerned with the source of credit card debt. This research tries to investigate how different attitude variables affect revolving credit card use and petty installment use which are two main sources of credit card debt. It is generally accepted that attitude variables are one of the causes of credit card misuse. But there is no research to compare the differential effect of each factor in one model. The present research tries to use statistical method to find out the distinctive effect of each attitude factor.

The study was conducted by using mail‐in questionnaires, which were sent to credit card holders who were using or had used either revolving credit or petty installment plans. After reliability and validity tests, stepwise regression model has been used to test the differential effect of each attitude variable.

According to regression functions, it was found that attitude variables had a wonderful explanatory power in accounting for revolving credit use and petty installment use. Specifically, it was found that revolving credit use and petty installment use were closely related to attitudes about credit card, money, and debt. Risk attitude efficiently predicted petty installment use; however, it did not correlate with revolving credit use. Meanwhile, it was found that all of the attitude factors account for 82.1 percent of variance for revolving credit use. In contrast, they account for 41.6 percent of variance for petty installment use. The findings shed light on the role of attitude variables in debt behavior. Moreover, the paper identifies the specific role of different attitude variables, which has great implications for practice.

Existing research has significantly clarified credit card debt issues, but there are still some gaps to fill in. For one, although the previous literature tests both separate effects and joint effects, it ignores some important variables, such as attitude variables. Meanwhile, previous research focuses on single variables most of the time, such as credit card attitude and debt attitude, and little research has simultaneously considered a bunch of attitude factors simultaneously. In summary, further exploration of the attitude factors is necessary. Additionally, previous researchers have focused only on the final consequences of credit usage – the outstanding balance or credit card debt rather than the behavior which triggers credit card debt. The present research aims to address these two questions.