Does difference make a difference in financial planning for risk?

Social Policy and Administration

Volumn 42, Issue 6, 2008, Pages 576-592

  Quilgars, Deborah ^a   Jones, Anwen ^a   Abbott, David ^a  

^a UNIVERSITY OF YORK   (United Kingdom)

Author keywords

Difference; Financial planning; Money; Risk; Social group

Indexed keywords

CURRENCY; ETHNIC GROUP; FINANCIAL CRISIS; FINANCIAL SYSTEM; PLANNING PROCESS; POLICY MAKING; RISK ASSESSMENT;

EID: 54249116308     PISSN: 01445596     EISSN: 14679515     Source Type: Journal    
DOI: 10.1111/j.1467-9515.2008.00625.x     Document Type: Article

References (58)

1. Abbott, D. and Quilgars, D. (2001), Managing the risk of unemployment: is welfare re-structuring undermining support for social security? In R. Edwards and J. Glover (eds), Risk and Citizenship: Debates and Issues, London: Routledge, pp. 111-25.
2. Abbott, D., Quilgars, D. and Jones, A. (2006), The impact of social and cultural difference in relation to job loss and financial planning: reflections on the risk society, Forum: Qualitative Social Research, 7, 1.
3. Actuarial Profession (2004), Consumer Understanding of Risk, London: Actuarial Profession.
4. Atkinson, A., McKay, S., Kempson, E. and Collard, S. (2006), Levels of Financial Capability in the UK: Results of a Baseline Survey, London: Financial Services Authority.
5. Beck, U. (1992), Risk Society: Towards a New Modernity, London: Sage.
6. Burchardt, T. (2003), Being and Becoming: Social Exclusion and the Onset of Disability, CASE Report 21. Available at: http://sticerd.lse.ac.uk/ Case
7. Cebulla, A. (2007), Class or individual? A test of the nature of risk perceptions and the individualization thesis of risk society theory, Journal of Risk Research, 10, 2: 129-48.
8. Clark, A. and Lelkes, O. (2008), Religion 'linked to happy life'. Available at: http://news.bbc.co.uk/1/hi/health/7302609.stm
9. Collard, S., Kempson, E. and Whyley, C. (2001), Tackling Financial Exclusion: An Area-based Approach, Bristol: Policy Press.
10. Collinson, P. (2003), Much pride but a lot of prejudice, The Guardian (26 July).
11. Department of Health (2006), Our Health, Our Care, Our Say: A New Direction for Community Services, Cm 6737, London: Department of Health.
12. Department of Health (2007), Valuing People Now: From Progress to Transformation, London: Department of Health.
13. Department of Social Security (1998), A New Contract for Welfare: Partnership in Pensions, London: Stationery Office.
14. Devadason, R. (2007), Constructing coherence: Young adults'pursuit of meaning through multiple transitions between work, education and unemployment, Journal of Youth Studies, 10, 2: 203-21.
15. Douglas, M. (1985), Risk Acceptability according to the Social Sciences, New York: Russell Sage Foundation.
16. Douglas, M. (1992), Risk and Blame: Essays in Cultural Theory, London: Routledge.
17. Financial Services Authority (FSA) (2002), Financing the Future: Mind the Gap! The Implications of an Ageing Population - Key Findings and Proposed Actions, London: FSA.
18. Financial Services Authority (FSA) (2006), Financial Capability in the UK: Delivering Change, London: FSA.
19. Fincham, B. (2007), 'Generally speaking people are in it for the cycling and the beer': Bicycle messengers, subculture and enjoyment, Sociological Review, 55, 2: 189-202.
20. Giddens, A. (1991), Modernity and Self Identity, Oxford: Polity Press.
21. Giddens, A. (1994), Beyond Left and Right, Cambridge: Polity Press.
22. Giddens, A. (1998), The Third Way: The Renewal of Social Democracy, Cambridge: Polity Press.
23. Glennerster, H., Hills, J., Piachaud, D. and Webb, J. (2004), One Hundred Years of Poverty and Policy, York: Joseph Rowntree Foundation.
24. Heaphy, B., Yip, A. and Thompson, D. (2003), The social and policy implications of non-heterosexual ageing, Quality in Ageing, 4, 3: 30-5.
25. Howard, M. (2002), Not Just the Job: Report of a Working Group on Disabled People Using Personal Assistance and Work Incentives, York: Joseph Rowntree Foundation.
26. Joint Committee on Human Rights (2008), A Life Like Any Other? Human Rights of People with Learning Disabilities, London: Stationery Office.
27. Jones, A. (2005), Financial education and poverty prevention in the UK. In A. Jones and U. Reifner (eds), Financial Education and Poverty Prevention in Europe, Hamburg: IFF, pp. 241-55.
28. Jones, A., Abbott, D. and Quilgars, D. (2006), Social inequality and risk. In P. Taylor-Gooby and J. Zinn (eds), Risk in Social Science, Oxford: Oxford University Press, pp. 228-49.
29. Jones, A., Elsinga, M., Quilgars, D. and Toussaint, J. (2007), Home owners'perceptions of and responses to risk, European Journal of Housing Policy, 7, 2: 129-50.
30. Kempson, E. and Whiley, C. (1999), Kept Out or Opted Out? Understanding and Combating Financial Exclusion, Bristol: Policy Press.
31. Keogh, P., Dodds, C. and Henderson, L. (2004), Working Class Gay Men: Redefining Community, Restoring Identity, London: Sigma Research.
32. Khan, M. and Bhatti, M. (2008), Development in Islamic banking: A financial risk-allocation approach, Journal of Risk Finance, 9, 1: 40-51.
33. Lash, S. (1993), Reflexive modernisation: The aesthetic dimension, Theory, Culture and Society, 10: 1-23.
34. Lewis, J. and Sarre, S. (2006), Risk and intimate relationships. In P. Taylor-Gooby and J. Zinn (eds), Risk in Social Science, Oxford: Oxford University Press, pp. 140-59.
35. Lupton, D. (ed.) (1999), Introduction: Risk and Socio-cultural Theory: New Directions and Perspectives, Cambridge: Cambridge University Press.
36. McRae, H. (1995), There's a bit of Sting in all of us, The Independent, 19 October.
37. Mirza, M., Senthikumaran, A. and Ja'far, Z. (2007), Living Together Apart: British Muslims and the Paradox of Multiculturalism, London: Policy Exchange.
38. Morris, J. (2003), Barriers to Independent Living: A Scoping Paper Prepared for the Disability Rights Commission, London: DRC.
39. Mythen, G. (2004), Ulrich Beck: A Critical Introduction to the Risk Society, London: Pluto Press.
40. Pidgeon, N., Simmons, P. and Henwood, K. (2006), Risk, environment and technology. In P. Taylor-Gooby and J. Zinn (eds), Risk in Social Science, Oxford: Oxford University Press, pp. 94-116.
41. Pilley, C. (2003), Immigrants and Financial Services: Literacy, Difficulty of Access, Needs and Solutions, Hamburg: Institut für Finanzdienstleistungen (unpublished).
42. Prime Minister's Strategy Unit (PMSU) (2005), Improving the Life Chances of Disabled People, London: PMSU.
43. Quilgars, D. and Abbott, D. (2000), Working in the risk society: families'perceptions of, and responses to, flexible labour markets and the restructuring of welfare, Community, Work and Family, 3, 1: 15-36.
44. Sadler, R. (2002), Medium and Long-term Retail Saving in the UK: A Review, London: HM Treasury.
45. Skinner, C. and Ford, J. (2000), Planning, Postponing or Hesitating: Understanding Financial Planning, York: Centre for Housing Policy.
46. Smith, N., Middleton, S., Ashton-Brooks, K., Cox, L., Dobson, B. and Reith, L. (2004), Disabled People's Costs of Living: 'More than You Would Think', York: Joseph Rowntree Foundation.
47. Taylor, S. and Bogdan, R. (1984), Introduction to Qualitative Research Methods: The Search for Meaning, New York: John Wiley.
48. Taylor-Gooby, P. (2001), Risk, contingency and the third way: Evidence from BHPS and qualitative studies, Social Policy & Administration, 35, 2: 195-211.
49. Taylor-Gooby, P. (2006), Social and public policy: Reflexive individualization and regulatory governance. In P. Taylor-Gooby and J. Zinn (eds), Risk in Social Science, Oxford: Oxford University Press, pp. 271-87.
50. Tulloch, J. (2008), Culture and risk. In J. Zinn (ed.), Social Theories of Risk and Uncertainty: An Introduction, Oxford: Blackwell, pp. 138-67.
51. Tulloch, J. and Lupton, D. (2003), Risk and Everyday Life, London: Sage.
52. Voas, D. (2007), Does religion belong in population studies? Environment and Planning, 39: 1166-80.
53. Watson, D., Williams, V. and Wickham, C. (2005), A Valued Part of the Workforce? Employment and Disabled People, Sussex: SEQUAL.
54. Whyley, C., Kempson, E. and Herbert, A. (1997), Money Matters: Approaches to Money Management and Bill-paying, London: Policy Studies Institute.
55. Williams, V., Tarleton, B., Watson, D. and Johnson, R. (2003), Nice Job -If You Can Get It: Work and People with Learning Difficulties, Bristol: Norah Fry Research Centre, University of Bristol.
56. Zarb, G. (1999), What price independence? In M. Turner (ed.), Facing Our Futures, London: National Centre for Independent Living.
57. Zinn, J. (2004), Health, risk and uncertainty in the life-course: A typology of biographical certainty constructions, Social Theory and Health, 2, 3: 199-221.
58. Zinn, J. and Taylor-Gooby, P. (2006), Risk as an interdisciplinary research area. In P. Taylor-Gooby and J. Zinn (eds), Risk in Social Science, Oxford: Oxford University Press, pp. 20-53.