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PubMed2005

Personal finances of residents at three Canadian universities.

OBJECTIVES: To address 3 research questions (What financial choices do residents make? Are the financial choices of residents similar to those of the general public? Are the financial choices of surgical residents reasonable?), we examined financial data from Canadian residents. METHODS: A written survey was administered to 338 residents (103 of them surgical residents) at 3 Canadian training institutions (University of Toronto, Queen's University and University of Manitoba). Resident household cash flows, assets and liabilities were characterized. Finances for residents were compared with those of the general public, by means of the Survey of Household Spending and Survey of Financial Security. RESULTS: Median resident income was 45,000 dollars annually (Can dollars throughout). With a working spouse, median household income was 87,500 dollars. Among residents, 62% had educational debt (median 37,500 dollars), 39% maintained unpaid credit-card balances (median 1750 dollars), 36% did not budget expenses, 25% maintained cash reserves <275 dollars, and 22% contributed neither to retirement nor nonretirement investments. Residents spent more on vehicles compared with members of the general public (median 17,500 dollars v. 10,720 dollars, p = 0.002) and on monthly housing (median 875 dollars v. 729 dollars, p < 0.001), respectively. Residents were more likely to carry student loans than people in the general population (61% v. 21%), more likely to carry vehicle loans (74% v. 29%) and less likely to carry credit-card debts (39% v. 50%, respectively). Surgical residents had income expectations after graduation higher than current billings justified. Fewer surgical (69%) than anesthesiology residents (88%, p < 0.05) contributed to Registered Retirement Savings Plans. CONCLUSIONS: From this limited sample, residents spend more than age- and income-matched members of the general public. Many residents save too little, fail to budget, and carry high educational and credit-card debts. Surgical residents' expectations of future income may be unrealistic. Further study is warranted.

Adult↗
PubMed1982

Personal finance.

Explore the source record for details and available documents.

Dental Hygienists↗
PubMed1996

The impact of managed care on physicians' personal finances.

Ultimately, all financial decisions need to take into consideration both the short run implications and the four stages of your professional life. Anyone who attempts to advise or offer you financial products or services without understanding this is doing you a grave disservice. As a physician, your financial needs and concerns are unique, and you will be ill served by a "general investment practitioner" who does not work primarily or perhaps exclusively with physicians.

Entrepreneurship↗
PubMed1996

Life domains and adaptive strategies of a group of low-income, well older adults.

Older adults are at increased risk for a variety of physical and functional limitations that threaten their ability to lead independent and fulfilling lives. Consequently, they stand to benefit from personalized strategies of adaptation that enable them to achieve successful outcomes in their daily activities and desired goals. In the current investigation, a qualitative descriptive methodology was used to document the perceived life domains of importance and associated strategies of adaptation of 29 residents of Angelus Plaza, a federally subsidized apartment complex in downtown Los Angeles for low-income, well older adults. On the basis of interview data, 10 life domains were identified, and within each domain, a typology of adaptive strategies was derived. The domains were activities of daily living (ADL), adaptation to a multicultural environment, free time usage, grave illness and death-spirituality, health maintenance, mobility maintenance, personal finances, personal safety, psychological well-being and happiness, and relationships with others. Although the typology should not be generalized to a geriatric population, therapists may wish to refer to it to gain a sense of the extent to which certain adaptive strategies may be applicable to the lives of particular older adults to whom they deliver services. The teaching of these adaptive strategies could then be incorporated into an individualized treatment plan. The typology also provides a broad picture of the kinds of adaptive strategies used by the older adults as a way of coping and adapting to their setting. Although some of the domains do not differ from those typically addressed in occupational therapy textbooks on geriatric care (e.g., ADL, health maintenance), others seem uniquely tailored to the specifics of the Angelus Plaza context (e.g., personal safety). Finally, certain domains emerged that may be highly relevant to older adults in most settings but are not typically the focus of occupational therapy programs (e.g., grave illness and death-spirituality, relationships with others). The emergence of these domains from our data suggests that therapists may wish to consider them more in treatment if they are convinced that they possess local relevance.

Activities of Daily Living↗
PubMed2002

"Come back when you're dying:" the commodification of AIDS among California's urban poor.

As with any other long-term illness, the decline in health that accompanies symptomatic HIV infection often has a profound negative impact on employment and personal finances. However, research to date on the financial consequences of AIDS has focused largely on middle-class working individuals, and cannot account for the experiences of those who are already poor and unemployed at the time of their infection. We conducted in-depth qualitative interviews with 33 Californian heterosexual couples in which one partner was infected with HIV and the other was HIV-negative. Most couples interviewed were low-income, marginally housed, and either former or active substance users. Unlike their middle-class counterparts, it became clear through the course of our study that many participating couples were living in a world in which a positive HIV antibody test or an AIDS diagnosis could result in an improved quality of life by allowing for increased access to Supplemental Security Income, subsidized housing, food and services. This situation is in part a consequence of recent policy decisions related to the "War on Drugs" and welfare reform. These policies have contributed to the creation of an economy of poverty in which the sick, needy, and addicted must compete against each other for scarce resources. Within such an economy, an HIV or AIDS diagnosis may actually operate as a commodity.

Acquired Immunodeficiency Syndrome↗
PubMed2005

Flexible pay but fixed expenses: personal financial strain among on-call employees.

The aim of the study was to investigate the financial circumstances of a group of temporary employees and whether personal financial strain is related to an increased risk of ill-health. The study group consisted of 778 on-call employees. The response rate to a mailed questionnaire was 56 percent. Twenty percent of respondents stated that they had experienced economic difficulties of some kind. More than 50 percent regarded their form of employment as an impediment to obtaining a loan, and approximately 40 percent regarded it as a barrier to acquiring a housing contract. The study group is strongly polarized with regard to personal financial matters. There is a clear connection between poverty and health. Individuals who were both worried about their personal finances and objectively poor had far lower levels of psychological well-being (as measured by GHQ-12), more stomach, back, and neck complaints, more headaches, and greater tiredness and listlessness. Sleep disturbances acted as a mediating variable between financial pressure and stomach problems.

Adolescent↗
PubMed2001

What are the primary concerns of recently graduated surgeons and how do they differ from those of the residency training years?

HYPOTHESIS: Graduated surgeons have differences in concerns when comparisons are made between fellows and practicing surgeons, practicing surgeons and residents, and male and female surgeons. DESIGN AND SETTING: A survey was distributed to surgeons who graduated from 17 New England residency programs from 1993 to 1996, consisting of 9 demographic questions and 33 items coded on a Likert-type scale (with scores from 1 [least concerning] to 5 [most concerning]). PARTICIPANTS: Surgical fellows and practicing surgeons recently graduated from general surgical residency programs in New England who had participated in a previous study as residents. INTERVENTION: Distribution and completion of the survey. MAIN OUTCOME MEASURE: Personal and career-oriented concerns of recently graduated surgical residents. RESULTS: Personal issues continue to rank high for graduated residents, but the areas of greatest concern became more financially and career oriented. The top concerns of fellows were personal finances (mean score, 3.2), child rearing (mean score, 3.1), salary (mean score, 3.1), postponing family plans (mean score, 3.0), availability of role models (mean score, 2.9), and number of work hours (mean score, 2.8). The top concerns of practicing surgeons were salary (mean score, 3.2), personal finances (mean score, 3.1), number of referrals (mean score, 3.0), support for research (mean score, 2.7), child rearing (mean score, 2.7), and availability of role models (mean score, 2.7). Differences existed between men and women for child rearing, initiating personal relationships, maintaining personal relationships, maternity leave, and promotional advancement. Women were more concerned than men. CONCLUSIONS: Assistance with career planning and job selection during the residency years should be enhanced to diminish the concerns about financial issues and the availability of role models after graduation. Many of the concerns among male and female graduates are still reflective of larger societal expectations, but some, such as promotional advancement, may be attenuated through guidance and mentoring of residents before job selection.

Adult↗
PubMed1992

Public financing for personal response systems: a Federal viewpoint.

In sum, advocates for ERS have not made an overwhelmingly compelling case for ERS, on cost or human terms--why is it necessary that government explicitly cover ERS? Moreover, it is essential that advocates mobilize in the states and build allies, particularly in the LTC community.

Aged↗