Data on 2,810 elderly households were drawn from the Bureau of Labor Statistics 1990 Consumer Expenditure Survey. Multivariate Tobit analysis was used to examine spending pattern differences between households with a reference person aged 65–74 (young‐old) and households with a reference person aged 75 and older (old‐old). Significant differences in spending were found for expenditures on food at home, food away from home, alcohol and tobacco, housing, apparel and apparel services, transportation, bealthcare, bentertainment, personal care, and personal insurance. The impact of socio‐demographic factors on expenditures by either age group was not uniform.

Data collected from two major universities (one in the Midwest and one in the Southeast) in the United States were used to analyze student persistence behavior and perceptions of debt. Results from four separate logistic regression analyses suggested that financial factors play a significant role in student persistence behavior as well as in student perceptions of debt. Controlling for demographic characteristics, as well as a number of key student factors, student loan debt, credit card use behavior, and the presence of other debts, had a significant impact on whether students reported ever reducing credit hours for financial reasons, whether students ever dropped out for financial reasons, and the extent to which students reported difficulty persisting due to the psychological burden of student loan debt and consumer debt. Findings suggest that some persistence issues may be alleviated through targeted education programs.

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in order to analyse milk consumption by type, specifically high-fat milk vs. low-fat milk. Whereas trend analysis displays an overall increase in low-fat milk consumption over the last few decades in the United States, a number of individuals still consume high-fat milk varieties, and overall dietary intakes have yet to achieve recommended levels. In light of recent research regarding fat intakes, it is important to understand what factors might cause consumers to purchase high-fat options given the number of lowfat options available in the market. Through the use of Logistic regression, key socioeconomic and demographic variables are analysed in order to determine their impacts on the probability of consuming low-fat milk vs. high-fat milk. The results indicate that a number of factors do influence probability of low-fat milk consumption as compared with high-fat milk consumption. Most notably, probability of low-fat milk consumption appears to be positively related to age, education level, and income level. African Americans and other minorities had a lower probability of consuming low-fat milk when compared with White people in the sample population. Also, those respondents designated as low income or living in the South were less likely to consume low-fat milk.

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Census 2000 data are used to examine the determinants of income level of six Asian groups as compared with whites, the majority group, and blacks, another minority group. Results of descriptive and multivariate analysis lend support to both human capital investment and structural barriers as explanation for income differentials among the various racial groups. All else equal, Asian Indians did not have significantly different income levels as compared with white, whereas Chinese, Filipinos, Korean and Vietnamese had significantly less household income than whites and Japanese households had significantly more. All Asian groups had significantly more household income than black households. Copyright Springer Science+Business Media, Inc. 2006Asians, Income differentials,

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