Background: Financial well-being is a key domain of overall well-being, encompassing an individual's ability to meet financial obligations, secure their financial future, and maintain a sense of financial freedom. Education is often viewed as a critical pathway to enhancing financial well-being. However, the returns of education on financial well-being are not uniform across racial, ethnic, and nativity groups. The theory of Minorities’ Diminished Returns (MDRs) suggests that the positive effects of education on outcomes such as income and financial security are weaker for marginalized groups, including Black individuals, Latinos, and immigrants. Objective: This study examines the diminished returns of education on financial well-being among Black, Latino, and immigrant populations in the United States. We aim to investigate how structural inequalities contribute to weaker financial returns on education for these groups compared to their White and native-born counterparts. Methods: We utilized data from the Understanding America Study (UAS 2014) to conduct a cross-sectional analysis of adult respondents. The study assessed financial well-being outcomes (e.g., income, savings, and financial security) and their association with educational attainment across racial, ethnic, and nativity groups. Regression models were employed to test for interaction effects between education and race/ethnicity/nativity, adjusting for sociodemographic factors such as age, gender, employment, and family structure. Results: Our analysis included 8,121 individuals. The mean age of the respondents was 48 years (SD = 16). High education was associated with higher financial well-being (B = 1.284, 95% CI: 1.157, 1.410). The interaction terms between education and immigrant status (B = -0.507, 95% CI: -0.930, -0.084), race (Black) (B = -0.770, 95% CI: -1.208, -0.331), and ethnicity (Hispanic) (B = -0.589, 95% CI: -0.969, -0.210) were all significant, suggesting that immigrant, Black, and Hispanic individuals experience diminished returns on education in terms of financial well-being, relative to US-born non-Hispanic White individuals. The significant negative interactions between education and minority statuses (Black, Hispanic, and immigrant) indicate that while education generally improves financial well-being, the magnitude of this improvement is substantially smaller for these marginalized groups. Conclusion: Understanding how education translates to financial well-being across different racial, ethnic, and nativity groups is critical for addressing persistent financial disparities.

Occupational lead (Pb) exposure continues to be an important public health problem globally, yet data is lacking on the associated risks and resources available for the prevention of Pb related diseases in low middle income countries (LMICs) like The Gambia. In this study, we used a case-control design to compare blood lead levels (BLLs) between the exposed (auto repair workers) and unexposed (healthcare workers) populations in The Greater Banjul Area. The data was analyzed using Chi square test of independence to determine the characteristic factors associated with BLL. Multivariate logistic regression was used to test the relationship between BLLs for auto repair and healthcare workers and their experiences. The results of this study indicated 82.1% of cases had higher BLLs compared to 52.9% of controls. Also, the proportion of workers with elevated BLLs was higher for certain factors including more than 80% of those with greater than 10 of years job experience, more than 70% of those who worked greater than 5 days a week, worked more than 8 hours per day, did not use personal protective equipment (PPE), were illiterate or had no formal education, and smoked or ate at work. The study results have implications for policies and practice in the auto repair industry and related workplaces in The Gambia and other LMICs with similar settings. Based on the findings of this study, it is essential to initiate discussions to establish national occupational health policies in The Gambia aimed at protecting workers and the general population.

Risks in Public Private Procurement mass housing project (PPP-MHP) initiatives are emerging and this requires early risk identification and allocation to achieve the goal and sustenance of the scheme. The study, being a follow-up of a Delphi survey, elicits the opinion of respondents on the probability of occurrence and severity of identified risks in PPP-MHPs in Nigeria. The study adopts a quantitative research design approach by administering structure questionnaire survey on identified PPP-MHPs partners in Abuja, Nigeria. Data analysis was performed using descriptive and inferential statistical tools such as Mean item score (MIS), standard deviation, and Kruskal Wallis analytical techniques with the aid of SPSS software packages. The findings show that all the listed risk factors were found to be extremely high, very high, high, or moderate in terms of occurrence while all the listed risk factors recorded a very high level of severity on the delivery of PPP-MHPs. The top ten (10) risk factors frequently associated with PPP-MHPs are non-availability of finance, high finance cost, non-involvement of the host community, poor execution of housing policies, corruption and lack of respect for law, wrong perception of housing need by low-income earners, Illegal title to land, land acquisition and site availability, level of demand for the mass housing projects and unstable value of local currency. The respondents differs significantly on 29 risk factors in terms of occurrence and 40 risk factors in term of severity. The study, therefore, recommends that risk management culture should be highly encouraged among the PPP Partners in the sector. The study intends to enumerate the rate of occurrence of some itemized risk factors and their severities on the delivery of PPP – procured mass housing projects in Nigeria and the need to bookmark these risk factors in ensuring the sustainability of the PPP mass housing scheme.

Family affluence associates with adolescents' psychosomatic symptoms. However, the strength of the association varies across countries. As there was no related national evidence in the Czech Republic, this study aimed to investigate the relationship between family affluence and adolescents' psychosomatic symptoms. The current research adopted the data from a national survey Health Behaviours of School-Aged Children (HBSC). 12166 observations were included in the binary-choice analysis. It was found that low family affluence background was a risk factor for adolescents' psychosomatic health. Compared to boys, girls were more likely to demonstrate psychosomatic symptoms. Furthermore, parent-adolescent communications might mediate the relationship between family affluence and psychosomatic complaints. The results suggest health inequity for adolescents from low-income families. Moreover, I also advocate related interventions aiming to improve parent-adolescent communication quality to decrease poor adolescents' psychosomatic health risks.