Financial Literacy: What Are Business Schools Teaching?

The financial illiteracy of Americans has attracted the attention and funds of more than 10 federal agencies and countless other state agencies and non-profit organizations. The manifestations of poor financial skills and planning are divorce, depression, and many elderly Americans living in poverty. Hundreds of business and non-business college students have been surveyed. Both groups were found to be financially illiterate. We examined the curricula of 100 AACSB institutions and concluded that business schools are either not offering fundamental courses in personal financial planning or that the courses are not generally available to business students (for credit) or non-business students. It is ironic that college students are graduating with the required 60 credits in the liberal arts, but are not required to pass a course in personal finance. We feel strongly that it is time for business faculty, specifically finance faculty, to argue that being financially literate is as important as being literate in English and the sciences

ATLAS RPC offline monitoring and data quality assessment

In this work several aspects of ATLAS RPC offline monitoring and data quality assessment are illustrated with cosmics data selected by RPC trigger. These correspond to trigger selection, front-end mapping, detection efficiency and occupancy, which are studied in terms of low level quantities such as: RPC off-line hits and standalone tracks. The tools and techniques presented are also extended to the forthcoming LHC p-p beam collisions.Comment: Poster section at ICHEP08, Philadelphia, USA, July 2008. 3 pages, LaTeX, 3 eps figure

Isoflavones and other compounds from the roots of Iris marsica I. Ricci E Colas. Collected from Majella National Park, Italy

In this study, a phytochemical analysis was performed, for the first time, on Iris marsica I. Ricci e Colas. In particular, the attention was focused on the constituents of the roots. Twenty-one compounds were isolated by column chromatography and were analyzed/identified by NMR spectroscopy and mass spectrometry. They all own chemotaxonomic, ethno-pharmacological and nutraceutical relevance which allowed us to provide a phytochemical rationale, for the correct botanical classification of this species, for the employment of its roots in folk medicine like for all the other species belonging to the Iris genus and, lastly, for their further uses as food with important healthy benefits. All of these parts were broadly discussed about within the text

Evidence of spin disorder at the surface–core interface of oxygen passivated Fe nanoparticles

Hysteresis, thermal dependence of magnetization, and coercivity of oxide coated ultrafine Fe particles prepared by inert gas condensation and oxygen passivation have been studied in the 5–300 K range. The results are found to be consistent with a spin-glasslike state of the oxide layer inducing, through exchange interaction with the ferromagnetic core, a shift of the field cooled hysteresis loops at temperatures below the freezing at approximately 50 K.Dirección General de Investigación y Desarrollo. Gobierno de España-CICYT MAT95- 1042-C02-02Dirección General de Investigación y Desarrollo. Gobierno de España-PB96-0863-C02-02.Comisión Europea-ERBFMBI-CT95-0534

An expression for the water-sediment moving layer in unsteady flows valid for open channels and embankments

Abstract. During the floods, the effects of sediment transport in river beds are particulary significant and can be studied through the evolution of the water-sediment layer which moves in the lower part of a flow, named "moving layer". Moving layer variations along rivers lead to depositions and erosions and are typically unsteady, but are often tackled with expressions developed for steady (equilibrium) conditions. In this paper, we develop an expression for the moving layer in unsteady conditions and calibrate it with experimental data. During laboratory tests, we have in fact reproduced a rapidly changing unsteady flow by the erosion of a granular steep slope. Results have shown a clear tendency of the moving layer, for fixed discharges, toward equilibrium conditions. Knowing the equilibrium achievement has presented many difficulties, being influenced by the choice of the equilibrium expression and moreover by the estimation of the parameters involved (for example friction angle). Since we used only data relevant to hyper-concentrated mono-dimensional flows for the calibration – occurring for slope gradients in the range 0.03–0.20 – our model can be applied both on open channels and on embankments/dams, providing that the flows can be modelled as mono-dimensional, and that slopes and applied shear stress levels fall within the considered ranges

A Robust Filter for the BeppoSAX Gamma Ray Burst Monitor Triggers

The BeppoSAX Gamma Ray Burst Monitor (GRBM) is triggered any time a statistically significant counting excess is simultaneously revealed by at least two of its four independent detectors. Several spurious effects, including highly ionizing particles crossing two detectors, are recorded as onboard triggers. In fact, a large number of false triggers is detected, in the order of 10/day. A software code, based on an heuristic algorithm, was written to discriminate between real and false triggers. We present the results of the analysis on an homogeneous sample of GRBM triggers, thus providing an estimate of the efficiency of the GRB detection system consisting of the GRBM and the software.Comment: Proc. 5th Huntsville GRB Symposiu