Debt Begets Debt: Examining Negative Credit Card Behaviors and Other Forms of Consumer Debt

The effect of negative credit card behaviors is examined for association with other forms of consumer debt (automobile debt, installment debt, and personal loan debt). Data were collected using a combination of random digit dialing and convenience sampling from two cities. Respondents\u27 median age is 48 years old, ranging from 20-87. Results indicate that despite controlling for income, not paying off the monthly balance and reaching the maximum limit on credit cards are associated with a variety of other debts. Although consumers can increase lifetime utility by borrowing, less educated consumers are more vulnerable to less favorable sources of credit. Negative credit card behaviors can be easily identifiable signals of larger lurking issues related to consumer behavior or lack of financial literacy. Controlling for income, younger adults accrue significantly more installment debt, possibly suggesting that younger generations perceive a larger number of required appliances and electronics as being necessary to run the household than previous generations

Aerosol mass yields of selected biogenic volatile organic compounds– a theoretical study with nearly explicit gas-phase chemistry

In this study we modeled secondary organic aerosol (SOA) mass loadings from the oxidation (by O-3, OH and NO3) of five representative biogenic volatile organic compounds (BVOCs): isoprene, endocyclic bond-containing monoterpenes (alpha-pinene and limonene), exocyclic double-bond compound (beta-pinene) and a sesquiterpene (beta-caryophyllene). The simulations were designed to replicate an idealized smog chamber and oxidative flow reactors (OFRs). The Master Chemical Mechanism (MCM) together with the peroxy radical autoxidation mechanism (PRAM) were used to simulate the gas-phase chemistry. The aim of this study was to compare the potency of MCM and MCM + PRAM in predicting SOA formation. SOA yields were in good agreement with experimental values for chamber simulations when MCM + PRAM was applied, while a stand-alone MCM underpredicted the SOA yields. Compared to experimental yields, the OFR simulations using MCM + PRAM yields were in good agreement for BVOCs oxidized by both O-3 and OH. On the other hand, a stand-alone MCM underpredicted the SOA mass yields. SOA yields increased with decreasing temperatures and NO concentrations and vice versa. This highlights the limitations posed when using fixed SOA yields in a majority of global and regional models. Few compounds that play a crucial role (> 95% of mass load) in contributing to SOA mass increase (using MCM + PRAM) are identified. The results further emphasized that incorporating PRAM in conjunction with MCM does improve SOA mass yield estimation.Peer reviewe

Potential Effect of Bio-Surfactants on Sea Spray Generation in Tropical Cyclone Conditions

Despite significant improvement in computational and observational capabilities, predicting intensity and intensification of major tropical cyclones remains a challenge. In 2017 Hurricane Maria intensified to a Category 5 storm within 24 h, devastating Puerto Rico. In 2019 Hurricane Dorian, predicted to remain tropical storm, unexpectedly intensified into a Category 5 storm and destroyed the Bahamas. The official forecast and computer models were unable to predict rapid intensification of these storms. One possible reason for this is that key physics, including microscale processes at the air-sea interface, are poorly understood and parameterized in existing forecast models. Here we show that surfactants significantly affect the generation of sea spray, which provides some of the fuel for tropical cyclones and their intensification, but also provides some of the drag that limits intensity and intensification. Using a numerical model verified with a laboratory experiment, which predicts spray radii distribution starting from a 100 μm radius, we show that surfactants increase spray generation by 20–34%. We anticipate that bio-surfactants affect heat, energy, and momentum exchange through altered size distribution and concentration of sea spray, with consequences for tropical cyclone intensification or decline, particularly in areas of algal blooms and near coral reefs, as well as in areas affected by oil spills and dispersants

Selection criteria for immediate implant placement and immediate loading for single tooth replacement in the maxillary esthetic zone: A systematic review and meta-analysis.

OBJECTIVES The aim of this study was to review available evidence for Type 1A (immediate implant placement and immediate loading) of single tooth replacement in the maxillary esthetic zone. MATERIALS AND METHODS An electronic search was conducted utilizing the databases of MEDLINE, Embase, and Cochrane to identify publications reporting on the outcomes of Type 1A for single tooth replacement in the maxillary esthetic zone. The success and survival rates of the included articles were reported, which were further categorized according to the clinical criteria reported in Type 1A. Mean survival rates were univariately compared between risk groups and additionally between studies published before and since 2012 using bias-corrected and study size-weighed bootstrap tests. A study time-correcting meta-analysis was then performed to obtain an overall effect for the study pool. RESULTS A total of 3118 publications were identified in the search, with a total of 68 articles included. A mean number of implants per study were 37.2 and mean follow-up was 2.8 years. All the included studies utilizing Type 1A report highly selective inclusion and exclusion criteria. Univariate risk group comparison determined that studies before 2012 report a significantly lower mean survival rate (difference of -1.9 percentage points [PP], 95% CI: [-0.3, -4.0], p = .02), facial gap dimension had an impact on survival rates (+3.1 PP [0.2, 5.3] for width >2 mm, p = .04), as well as presence of endodontic infection (+2.6 PP [0.9, 5.1], p = .004). CONCLUSIONS Type 1A has a high survival rate in studies reporting strict patient and site selection criteria. Further research is required to assess esthetic and functional success with Type 1A treatments

Cepheid Calibration of the Peak Brightness of SNe Ia -- IX. SN 1989B in NGC 3627

(Abridged) Repeated imaging observations have been made of NGC 3627 with the HST in 1997/98, over an interval of 58 days. Images were obtained on 12 epochs in the F555W band and on five epochs in the F814W band. The galaxy hosted the prototypical, `Branch normal', type Ia supernova SN 1989B. A total of 83 variables have been found, of which 68 are definite Cepheid variables with periods ranging from 75 days to 3.85 days. The de-reddened distance modulus is determined to be (m-M)_0= 30.22+/-0.12 (internal uncertainty) using a subset of the Cepheid data whose reddening and error parameters are secure. The photometric data of Wells et al. (1994), combined with the Cepheid data for NGC 3627 give M_B(max)= -19.36+/-0.18 and M_V(max)= -19.34+/-0.16 for SN 1989B. Combined with the previous six calibrations in this program, plus two additional calibrations determined by others gives the mean absolute magnitudes at maximum of = -19.48+/-0.07 and = -19.48 +/-0.07 for `Branch normal' SNe Ia at this interim stage in the calibration program. The second parameter correlations of M(max) of blue SNe Ia with decay rate, color at maximum, and Hubble type are re-investigated. The dependence of on decay rate is non-linear, showing a minimum for decay rates between 1.0< Delta m_15 <1.6. Magnitudes corrected for decay rate show no dependence on Hubble type, but a dependence on color remains. Correcting both the fiducial sample of 34 SNe Ia with decay-rate data and the current 8 calibrating SNe Ia for the correlation with decay rate as well as color gives H_0= 60+/-2 (internal) km/s/Mpc, in both B and V. The same value to within 4% is obtained if only the SNe Ia in spirals (without second parameter corrections) are considered.Comment: 32 pages (with 7 tables and 14 figures) LaTeX, uses emulateapj.sty; a full-resolution version with complete figs. 4 and 5 is available at http://www.astro.unibas.ch/cosmology/papers.html ; accepted for publication in Ap

Influence of family financial socialization on academic success in college

Explicit parent–child financial socialization is one way that parents may help children feel less stress in college and increase their academic performance. To test this assumption, we used family financial socialization theory to inform multivariate analysis of variance (MANOVA) and structural equation models (SEM). The results largely support the theory. Participants were 752 college students from a U.S. university. Specific findings indicate that students from more affluent families were more often taught to budget. Parent–child teaching/training was strongly associated with felt parental–financial influence and fewer worrisome academic behaviors because of economic pressure. Students who felt greater parent–financial influence and experienced fewer effects of economic pressure, achieved higher college grade point averages (GPAs). An implication of this study is the importance of strengthening support for financial learning in families

Cepheid Calibration of the Peak Brightness of SNe Ia. X. SN 1991T in NGC 4527

Repeated imaging observations have been made of NGC 4527 with the Hubble Space Telescope between April and June 1999, over an interval of 69 days. Images were obtained on 12 epochs in the F555W band and on five epochs in the F814W band. The galaxy hosted the type Ia supernova SN1991T, which showed relatively unusual behavior by having both an abnormal spectrum near light maximum, and a slower declining light curve than the proto-typical Branch normal SNe Ia. A total of 86 variables that are putative Cepheids have been found, with periods ranging from 7.4 days to over 70 days. From photometry with the DoPHOT program, the de-reddened distance modulus is determined to be (m-M)_0 = 30.67 +/- 0.12 (internal uncertainty) using a subset of the Cepheid data whose reddening and error parameters are secure. A parallel analysis of the Cepheids using photometry with ROMAFOT yields (m -M)_0 =30.82 +/- 0.11. The final adopted modulus is (m -M)_0 =30.74 +/- 0.12 +/- 0.12 (d=14.1 +/- 0.8 +/- 0.8 Mpc). The photometric data for SN1991T are used in combination with the Cepheid distance to NGC 4527 to obtain the absolute magnitude for this supernova of M_V^0(max) = -19.85 +/- 0.29. The relatively large uncertainty is a result of the range in estimates of the reddening to the supernova. Thus SN1991T is seen to be only moderately brighter (by ~ 0.3 mag) than the mean for spectroscopically normal supernovae, although magnitude differences of up to 0.6 mag cannot be ruled out.Comment: 46 pages, LATEX using aaspp4.sty, including 9 embedded tables, 19 figures (gif and jpg files), a full-resolution version (ps files) is available at http://www.astro.unibas.ch/forschung/ll/cepheid.shtml, accepted for publication in the Astrophysical Journa

Separating movement and gravity components in an acceleration signal and implications for the assessment of human daily physical activity.

INTRODUCTION: Human body acceleration is often used as an indicator of daily physical activity in epidemiological research. Raw acceleration signals contain three basic components: movement, gravity, and noise. Separation of these becomes increasingly difficult during rotational movements. We aimed to evaluate five different methods (metrics) of processing acceleration signals on their ability to remove the gravitational component of acceleration during standardised mechanical movements and the implications for human daily physical activity assessment. METHODS: An industrial robot rotated accelerometers in the vertical plane. Radius, frequency, and angular range of motion were systematically varied. Three metrics (Euclidian norm minus one [ENMO], Euclidian norm of the high-pass filtered signals [HFEN], and HFEN plus Euclidean norm of low-pass filtered signals minus 1 g [HFEN+]) were derived for each experimental condition and compared against the reference acceleration (forward kinematics) of the robot arm. We then compared metrics derived from human acceleration signals from the wrist and hip in 97 adults (22-65 yr), and wrist in 63 women (20-35 yr) in whom daily activity-related energy expenditure (PAEE) was available. RESULTS: In the robot experiment, HFEN+ had lowest error during (vertical plane) rotations at an oscillating frequency higher than the filter cut-off frequency while for lower frequencies ENMO performed better. In the human experiments, metrics HFEN and ENMO on hip were most discrepant (within- and between-individual explained variance of 0.90 and 0.46, respectively). ENMO, HFEN and HFEN+ explained 34%, 30% and 36% of the variance in daily PAEE, respectively, compared to 26% for a metric which did not attempt to remove the gravitational component (metric EN). CONCLUSION: In conclusion, none of the metrics as evaluated systematically outperformed all other metrics across a wide range of standardised kinematic conditions. However, choice of metric explains different degrees of variance in daily human physical activity