Wintery Knight

…integrating Christian faith and knowledge in the public square

Study: fathers are important for the development of children’s brains

Fathers and children

Fathers and children

The study was reported in the Wall Street Journal.

Excerpt:

Dr. Braun’s group found that at 21 days, the fatherless animals had less dense dendritic spines compared to animals raised by both parents, though they “caught up” by day 90. However, the length of some types of dendrites was significantly shorter in some parts of the brain, even in adulthood, in fatherless animals.

“It just shows that parents are leaving footprints on the brain of their kids,” says Dr. Braun, 54 years old.

The neuronal differences were observed in a part of the brain called the amygdala, which is related to emotional responses and fear, and the orbitofrontal cortex, or OFC, the brain’s decision-making center.

[…]The balance between these two brain parts is critical to normal emotional and cognitive functioning, according to Dr. Braun. If the OFC isn’t active, the amygdala “goes crazy, like a horse without a rider,” she says. In the case of the fatherless pups, there were fewer dendritic spines in the OFC, while the dendrite trees in the amygdala grew more and longer branches.

A preliminary analysis of the degus’ behavior showed that fatherless animals seemed to have a lack of impulse control, Dr. Braun says. And, when they played with siblings, they engaged in more play-fighting or aggressive behavior.

In a separate study in Dr. Braun’s lab conducted by post-doctoral researcher Joerg Bock, degu pups were removed from their caregivers for one hour a day. Just this small amount of stress leads the pups to exhibit more hyperactive behaviors and less focused attention, compared to those who aren’t separated, Dr. Braun says. They also exhibit changes in their brain.

The basic wiring between the brain regions in the degus is the same as in humans, and the nerve cells are identical in their function. “So on that level we can assume that what happens in the animal’s brain when it’s raised in an impoverished environment … should be very similar to what happens in our children’s brain,” Dr. Braun says.

Read the whole thing.

I think this is important because we hear so much today that marriage can be redefined, that having one of each parent doesn’t matter, that live-in boyfriends and stepfathers have the same motivation to care for a woman’s children as the biological father does. We don’t want to make judgments, even if setting boundaries is better for children. A child’s well-being is enormously affected by the woman’s choice of biological father.  You can’t have it both ways – either we are going to judge women who choose men who don’t have the desire to commit to marriage, and do the father role, OR we are going to take things away from children by encouraging women to choose men based on “feelings” instead of abilities. Lowering moral standards and removing moral obligations hurts children. It sounds so nice when we tell women, “you can do whatever you feel like, and just forget about responsibilities, expectations and obligations”, but letting women be guided by their feelings harms children. My stock broker makes me feel uncomfortable because he knows more than I do, and does not respect my opinion. But I pay him to make investment decisions for me. I mustn’t let my pride get in the way of letting him do his job – a job he is more qualified than I am to do. Let him do his job.

Here’s a related question: Are biological fathers or unrelated men more dangerous for children?

This article from the Weekly Standard answers the question.

Excerpt:

A March 1996 study by the Bureau of Justice Statistics contains some interesting findings that indicate just how widespread the problem may be. In a nationally representative survey of state prisoners jailed for assaults against or murders of children, fully one-half of respondents reported the victim was a friend, acquaintance, or relative other than offspring. (All but 3 percent of those who committed violent crimes against children were men.) A close relationship between victim and victimizer is also suggested by the fact that three-quarters of all the crimes occurred in either the perpetrator’s home or the victim’s.

A 1994 paper published in the Journal of Comparative Family Studies looked at 32,000 documented cases of child abuse. Of the victims, only 28 percent lived with both biological parents (far fewer than the 68 percent of all children who live with both parents); 44 percent lived with their mother only (as do 25 percent of all children); and 18 percent lived with their mother and an unrelated adult (double the 9 percent of all children who live with their mother and an unrelated adult).

These findings mirror a 1993 British study by the Family Education Trust, which meticulously explored the relationship between family structure and child abuse. Using data on documented cases of abuse in Britain between 1982 and 1988, the report found a high correlation between child abuse and the marital status of the parents.

Specifically, the British study found that the incidence of abuse was an astounding 33 times higher in homes where the mother was cohabiting with an unrelated boyfriend than in stable nuclear families. Even when the boyfriend was the children’s biological father, the chances of abuse were twice as high.

These findings are consonant with those published a year earlier by Leslie Margolin of the University of Iowa in the journal Child Abuse and Neglect. Prof. Margolin found that boyfriends were 27 times more likely than natural parents to abuse a child. The next-riskiest group, siblings, were only twice as likely as parents to abuse a child.

More recently, a report by Dr. Michael Stiffman presented at the latest meeting of the American Academy of Pediatrics, in October, studied the 175 Missouri children under the age of 5 who were murdered between 1992 and 1994. It found that the risk of a child’s dying at the hands of an adult living in the child’s own household was eight times higher if the adult was biologically unrelated.

The Heritage Foundation’s Patrick Fagan discovered that the number of child-abuse cases appeared to rise in the 1980s along with the general societal acceptance of cohabitation before, or instead of, marriage. That runs counter to the radical-feminist view, which holds that marriage is an oppressive male institution of which violence is an integral feature. If that were true, then child abuse and domestic violence should have decreased along with the rise in cohabitation.

Heritage also found that in the case of very poor children (those in households earning less than $ 15,000 per year), 75 percent lived in a household where the biological father was absent. And 50 percent of adults with less than a high-school education lived in cohabitation arrangements. “This mix — poverty, lack of education, children, and cohabitation — is an incubator for violence,” Fagan says.

Why, then, do we ignore the problem? Fagan has a theory: “It is extremely politically incorrect to suggest that living together might not be the best living arrangement.”

The moral of the story is that it is a lot safer for children if we promote marriage as a way of attaching mothers and fathers to their children. Fathers who have a biological connection to children are a lot less likely to harm them. We should probably be teaching women to choose men who have a certain tenderness towards people they mentor or nurture, as well. These things are not free, you have to persuade women to value the male tendency to want to lead / guide / mentor. A lot of social problems like child poverty, promiscuity and violence cannot be solved by replacing a father with a check from the government. We need to support fathers by empowering them in their traditional roles. Let the men lead. Swallow your feminist instincts, and prefer men who take seriously their role of leading others upward.

Filed under: Commentary, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Obama’s irresponsible student loan policies leave taxpayers with trillion-dollar bubble

President Obama's student loan bubble

President Obama’s student loan bubble

This is from Investors Business Daily.

It says:

In 2010, Obama eliminated the federal guaranteed loan program, which let private lenders offer student loans at low interest rates. Now, the Department of Education is the only place to go for such loans.

Obama sold this government takeover as a way to save money — why bear the costs of guaranteeing private loans, he said, when the government could cut out the middleman and lend the money itself?

The cost savings didn’t happen. In fact, the Congressional Budget Office just increased its 10-year forecast for the loan program’s costs by $27 billion, or 30%.

What did happen was an explosive growth in the amount of federal student loan debt. President Clinton phased in direct federal lending in 1993 as an option, but over the next 15 years the amount of loans was fairly stable. The result of Obama’s action is striking. In each of the past six years, federal direct student loan debt has climbed by more than $100 billion. (See chart.)

And since Obama keeps making it easier and easier to avoid repaying those loans, it’s a problem that taxpayers will eventually have to shoulder.

Through words and actions, Obama has encouraged irresponsibility on the part of student borrowers. He constantly talks as if student debt were an unfair burden they unknowingly had foisted upon them.

At the same time, he’s made it easier and easier to avoid paying back student loans in full. Earlier this year, for example, Obama expanded eligibility for his “pay as you earn” program, which limits loan payments to 10% of income, with any debt left after 20 years forgiven.

Students got the message. The St. Louis Fed reports that 27.3% of student loans in repayment are at least a month behind in payments. That’s a far higher delinquency rate than any other kind of debt, and it’s significantly higher than the delinquency rate 10 years ago.

“This overall level of delinquency is very concerning,” concluded authors Juan Sanchez and Lijin Zhu.

A 2013 Consumer Financial Protection Board report found that less than half of this federal loan money was actually being paid. About 30% was held by borrowers still in school or in a grace period, another chunk in deferment or forbearance, and almost 14% was in default.

The problem here is that whenever the government nationalizes something that the private sector is doing, it always creates a problem. Let me explain. If student loans (or mortgage loans) are run solely by the private sector, then the motivation for lending money out at interest is to make money for the bank’s depositors and investors. In other words, because the bankers are in a free market and have to compete for depositors and investors, they have an interest in making sure that the loans they make get paid back.

But when the government takes over loans, they are not interested in being wise with the money they lend out – it’s not their money. They want to lend out as much as possible today in order to buy votes, and then kick the can down the road on the repayment. So instead of being careful about asking “will this get paid back?” they ask “how can I borrow from the future in order to buy as many votes as I can right now?” And that’s how we got the housing crisis of 2008, as well as this trillion-dollar student loan crisis.

When you take the profit motive out of the lending decision, then money gets lend to people who will never be able to pay it back. No private bank that has to answer to shareholders hands out money to students who want to study underwater basket-weaving. But the government does. They want to buy as many votes as possible. And besides, this is not their money. They are borrowing it from the future earnings of the very students they are giving it to! That’s what happens when you let big government decide everything.

Whenever big government politicians want to buy votes with taxpayer money, they always sell it to the people with sob stories about some poor, helpless group of people will suffer through no fault of their own. There are a lot of voters who will vote for politicians who cry crocodile tears for them, especially ones who don’t understand economics. There is no free lunch – somebody has to pay. Democrats are basically throwing a party for students, and then mailing them the (unexpected) bill for it, with interest.

Filed under: News, , , , , , , , , , , , , ,

Is marriage a good deal for men? How can we make it a better deal for men?

The Elusive Wapiti, a Christian men’s rights blogger, posted this video from Dr. Helen Reynolds, author of “The Marriage Strike”. In the video, she gives 6 reasons why men are shying away from marriage. I agree with some of her reasons, but I wanted to respond and give the positive case for marriage. Also, I think it is worth reading a very challenging comment from “Gaza” in that post, who says that women are pushing marriage off for too long so that they end up not being prepared for it even if they meet a marriage-minded man.

So, onto to the positive aspects of marriage for men.

Let me quote from this NIH publication, which argues that marriage is a great value for men.

Look:

One of the strongest, most consistent benefits of marriage is better physical health and its consequence, longer life. Married people are less likely than unmarried people to suffer from long-term illness or disability (Murphy et al. 1997), and they have better survival rates for some illnesses (Goodwin et al. 1987). They have fewer physical problems and a lower risk of death from various causes, especially those with a behavioral component; the health benefits are generally larger for men (Ross et al. 1990).

A longitudinal analysis based on data from the Panel Study of Income Dynamics, a large national sample, documents a significantly lower mortality rate for married individuals (Lillard and Waite 1995). For example, simulations based on this research show that, other factors held constant, nine out of ten married women alive at age 48 would still be alive at age 65; by contrast, eight out of ten never-married women would survive to age 65. The corresponding comparison for men reveals a more pronounced difference: nine out of ten for the married group versus only six out of ten for those who were never married (Waite and Gallagher 2000).

And more:

Recent studies based on longitudinal data have found that getting married (and staying married to the same person) is associated with better mental health outcomes. Horwitz et al. (1996), Marks and Lambert (1998), and Simon (2002) present evidence of improvements in emotional well-being following marriage, and declines following the end of a union. Marks and Lambert (1998) report that marital gain affects men and women in the same way, but marital loss is generally more depressing for women. Analyses that control for the selection of the psychologically healthy into marriage, and also include a wider range of measures of mental well-being, find that although there are differences by sex in the types of emotional responses to marital transitions, the psychological benefits associated with marriage apply equally to men and women (Horwitz et al. 1996; Simon 2002).

Marriage is also associated with greater overall happiness. Analysis of data from the General Social Surveys of 1972–96 shows that, other factors held constant, the likelihood that a respondent would report being happy with life in general is substantially higher among those who are currently married than among those who have never been married or have been previously married; the magnitude of the gap has remained fairly stable over the past 35 years and is similar for men and women (Waite 2000).

And more:

A large body of literature documents that married men earn higher wages than their single counterparts. This differential, known as the “marriage premium,” is sizable. A rigorous and thorough statistical analysis by Korenman and Neumark (1991) reports that married white men in America earn 11 percent more than their never-married counterparts, controlling for all the standard human capital variables. Between 50 and 80 percent of the effect remains, depending on the specification, after correcting for selectivity into marriage based on fixed unobservable characteristics. Other research shows that married people have higher family income than the nonmarried, with the gap between the family income of married and single women being wider than that between married and single men (Hahn 1993). In addition, married people on average have higher levels of wealth and assets (Lupton and Smith 2003). The magnitude of the difference depends on the precise measure used, but in all cases is far more than twice that of other household types, suggesting that this result is not merely due to the aggregation of two persons’ wealth.

And more:

Beyond its integrative function, emphasized above, marriage also has a regulative function. Married individuals, especially men, are more likely than their single counterparts to have someone who closely monitors their health-related conduct; marriage also contributes to self-regulation and the internalization of norms for healthful behavior (Umberson 1987). Positive and negative externalities within marriage also play a role: when an individual behaves in a way that is conducive to good health, the benefits spill over to the spouse; similarly, unhealthy behaviors inflict damage not only on the individual but also on the partner. In this way, marriage promotes healthy conduct. In addition, the enhanced sense of meaning and purpose provided by marriage inhibits self-destructive activities (Gove 1973). Consistent with this channel of causality, married individuals have lower rates of mortality for virtually all causes of death in which the person’s psychological condition and behavior play a major role, including suicide and cirrhosis of the liver (Gove 1973). Lillard and Waite (1995) find that for men(but not for women) there is a substantial decline in the risk of death immediately after marriage, which suggests that the regulation of health behaviors is a key mechanism linking marriage to physical health benefits in the case of men.

Now I want to talk about is policies that will help to promote marriage, because that will help to make marriage safer and more attractive to men.

And for that, we go to the Family Research Council.

They write:

Our tax policy should protect and encourage marriage. The marriage penalty should be eliminated, so that married couples do not pay higher taxes than single people or cohabiting couples. Along with the aim of strengthening marriage, our tax policy should encourage childbearing and adoption. The 2001 tax relief bill signed by President Bush provided a gradual phase-out of part of the marriage penalty[75] by 2010, a phased-in doubling of the child tax credit from $500 to $1,000, and a doubling of the adoption tax credit from $5,000 to $10,000. But this tax bill expires in 2011. In his 2003 State of the Union address, President Bush called for more prompt tax relief, including immediate marriage-penalty relief and a permanent increase in the child tax credit to $1,000. Representative Jim DeMint (R-S.C.) recently introduced the Adoption Tax Relief Guarantee Act, which would make the adoption tax credit permanent. These tax measures would ensure that married couples do not pay higher taxes simply because they are married and that families receive much-needed tax relief.

Along with providing tax credits, the government should adequately fund abstinence-until-marriage programs, which are very effective in teaching young people how to save sex for marriage. With one out of three babies born out of wedlock today, young people need this message more than ever. The federal government has provided some abstinence-until-marriage funding in recent years, but comprehensive sex education/contraception programs, which downplay abstinence and encourage sexual activity and condom use, are vastly over-funded in comparison. In 2002, abstinence-until-marriage programs received $102 million, while teen sex education and contraception programs received at least $427.7 million.

[…]Welfare reform should aim to strengthen marriage, because the breakdown of marriage is a root cause of poverty, as most welfare recipients are never-married or divorced mothers.

[…]Historically, welfare laws in the United States have been anti-marriage. The old welfare system, under the Aid to Dependent Families program (AFDC), taught single mothers two lessons: don’t work and don’t get married, or your benefits will decrease. Even though the landmark welfare reform law of 1996 encouraged marriage and imposed the family cap ending the reward for illegitimacy, marriage penalties still exist in the welfare law. The welfare system is composed largely of means-tested aid programs, which reduce benefits as non-welfare income increases. This means that if a single mother marries, she will lose welfare benefits; therefore, it is more lucrative for her to stay single. This anti-marriage bias should be removed or at least reduced in order to encourage marriage and discourage single parenthood and cohabitation.

The problem with that last one is that Obama gutted the Welfare Reform Act of 1996. I think that was favorable to the people who tend to vote Democrat, but not good for those of us who favor marriage. In fact, Democrats in general oppose all three of those pro-marriage policies, as well as supporting no-fault divorce laws and opposing shared parenting laws.

So I guess I am posting these ideas to let women who want to get married know that there are definitely things that are scaring men off of marriage, and that nothing makes a man less scared of marriage than a woman who is aware of these dangers, enthusiastic about the benefits for men, and passionate about pro-marriage policies.

 

Filed under: Commentary, , , , , , , , , , , ,

Obama administration pressuring banks to lower mortgage lending standards

Remember the housing bubble and the mortgage lending crisis of 2008? Well guess what – the Democrats want an encore.

Investors Business Daily explains.

Bankers warn the administration’s new “disparate impact” home-lending regulation will wreak havoc in credit markets, replacing merit standards with political correctness.

The Department of Housing and Urban Development issued the controversial new anti-discrimination rule earlier this year. Now enforced by every federal regulator dealing with banks, it has the effect of criminalizing credit standards used to qualify borrowers for home loans.

Last week, the Mortgage Bankers Association and Independent Community Bankers of America jointly filed a Supreme Court brief arguing that under the new HUD rule:

“Virtually every lender in the United States could be sued for using non-discriminatory credit standards simply because variations in economic and credit characteristics produce different credit outcomes among racial and ethnic groups.”

In their 33-page brief, filed in support of a landmark housing case pending before the court, they complain that HUD recently launched 22 separate investigations against lenders alleging that their policies of requiring minimum credit scores “had a disparate impact on minorities in violation of the Fair Housing Act.”

Dozens of similar actions have been brought against lenders by Attorney General Eric Holder. He is basing claims of bias on statistics showing differences in loan outcomes by race while ignoring racially neutral credit-risk factors that explain those differences.

Under disparate impact’s low standard of proof, the government doesn’t have to show lenders intentionally discriminated against borrowers.

For the first time in history, businesses are being ordered to justify the necessity of a certain level of return on investment given the racial impact resulting from the use of credit-score thresholds.

The mortgage trade groups argue the formalized disparate-impact rule also effectively criminalizes other legitimate business practices, including minimum down-payment requirements, sliding loan rates and the charging of brokers’ fees.

Banks today face increased litigation risk simply by complying with sensible lending standards for hedging against risk.

[…]The social engineers and race demagogues in this administration are trying to enforce a balance in financial outcomes that risks another collapse of the housing market. The Supreme Court must put an end to a scheme so reckless, unfair and unconstitutional.

Does that sound familiar? Yes. In the last recession, the government forced banks to make risky loans in order to increase home ownership. That is exactly what gave us the 2008 recession.

Excerpt:

[Democrat] Congressman [Barney] Frank, of course, blamed the financial crisis on the failure adequately to regulate the banks. In this, he is following the traditional Washington practice of blaming others for his own mistakes. For most of his career, Barney Frank was the principal advocate in Congress for using the government’s authority to force lower underwriting standards in the business of housing finance. Although he claims to have tried to reverse course as early as 2003, that was the year he made the oft-quoted remark, “I want to roll the dice a little bit more in this situation toward subsidized housing.” Rather than reversing course, he was pressing on when others were beginning to have doubts.

His most successful effort was to impose what were called “affordable housing” requirements on Fannie Mae and Freddie Mac in 1992. Before that time, these two government sponsored enterprises (GSEs) had been required to buy only mortgages that institutional investors would buy–in other words, prime mortgages–but Frank and others thought these standards made it too difficult for low income borrowers to buy homes. The affordable housing law required Fannie and Freddie to meet government quotas when they bought loans from banks and other mortgage originators.

At first, this quota was 30%; that is, of all the loans they bought, 30% had to be made to people at or below the median income in their communities. HUD, however, was given authority to administer these quotas, and between 1992 and 2007, the quotas were raised from 30% to 50% under Clinton in 2000 and to 55% under Bush in 2007.

[…]It is certainly possible to find prime mortgages among borrowers below the median income, but when half or more of the mortgages the GSEs bought had to be made to people below that income level, it was inevitable that underwriting standards had to decline. And they did. By 2000, Fannie was offering no-downpayment loans. By 2002, Fannie and Freddie had bought well over $1 trillion of subprime and other low quality loans. Fannie and Freddie were by far the largest part of this effort, but the FHA, Federal Home Loan Banks, Veterans Administration and other agencies–all under congressional and HUD pressure–followed suit. This continued through the 1990s and 2000s until the housing bubble–created by all this government-backed spending–collapsed in 2007. As a result, in 2008, before the mortgage meltdown that triggered the crisis, there were 27 million subprime and other low quality mortgages in the US financial system. That was half of all mortgages. Of these, over 70% (19.2 million) were on the books of government agencies like Fannie and Freddie, so there is no doubt that the government created the demand for these weak loans; less than 30% (7.8 million) were held or distributed by the banks, which profited from the opportunity created by the government. When these mortgages failed in unprecedented numbers in 2008, driving down housing prices throughout the U.S., they weakened all financial institutions and caused the financial crisis.

Reduced lending standards caused the last recession, and now the same party that pushed for reduced lending standards are pushing for reduced lending standards again. Hold onto your hats, there’s a storm coming.

Filed under: News, , , , , , , , , , , , , , , , , , ,

New study: belief in God can significantly improve mental health outcomes

From Psych Central. (H/T Rob P.)

Excerpt:

A new study suggests belief in God may significantly improve the outcome of those receiving short-term treatment for psychiatric illness.

Researchers followed patients receiving care from a hospital-based behavioral health program to investigate the relationship between patients’ level of belief in God, expectations for treatment and actual treatment outcomes.

In the study, published in the current issue of Journal of Affective Disorders, researchers comment that people with a moderate to high level of belief in a higher power do significantly better in short-term psychiatric treatment than those without.

“Belief was associated with not only improved psychological well-being, but decreases in depression and intention to self-harm,” says David H. Rosmarin, Ph.D., an instructor in the Department of Psychiatry at Harvard Medical School.

The study looked at 159 patients, recruited over a one-year period. Each participant was asked to gauge their belief in God as well as their expectations for treatment outcome and emotion regulation, each on a five-point scale.

Levels of depression, well-being, and self-harm were assessed at the beginning and end of their treatment program.

Obviously, the issue of God’s existence is a matter to be decide based on what is true and false, but this kind of story might help us to get motivated for persuasion.

Filed under: News, , , , , , , , , , , ,

Click to see recent visitors

  Visitors Online Now

Page views since 1/30/09

  • 5,078,055 hits

Enter your email address to follow this blog and receive notifications of new posts by email.

Join 1,735 other followers

Archives

Follow

Get every new post delivered to your Inbox.

Join 1,735 other followers

%d bloggers like this: