Financial Literacy: The Basics to Learn in High School

Humans are capable of not only understanding but operating with certain levels of autonomy to prepare for future circumstances, a fact pivotal to many problems facing society in today’s world. Among these problems is the issue of both poverty and financial instability, consequences in part due to a lack of understanding of personal finances in many adults. A partial solution being presented to this issue is the integration and teaching of eight significant finance related concepts to promote healthier financial decision-making, improve autonomy, and increase long-term happiness in individuals. Rather than covering specific teaching methods, the intent is to demonstrate the importance of these eight concepts and their practicality in relation to everyday finances. A secondary effect of understanding these concepts would also be eliminating the uncertainty which surrounds many young adults and understanding their finances, setting them up for future success in reaching financial goals

Natural history of Plasmodium odocoilei malaria infection in farmed white-tailed deer

ABSTRACT White-tailed deer (Odocoileus virginianus), an ecologically and economically important species, are the most widely distributed large animals in North America. A recent study indicated that up to 25% of all white-tailed deer may be infected with Plasmodium odocoilei, a malaria parasite belonging to the distinct clade of ungulate-infecting Plasmodium spp. Because the clinical impact of P. odocoilei on deer health and survival is unknown, we undertook a retrospective longitudinal study of farmed Floridian O. virginianus fawns. We found that a substantial proportion (21%) of fawns acquire malaria infection during the first 8 months of life. Some animals naturally clear P. odocoilei infection, while other animals remain persistently positive. Importantly, we found that animals that acquire malaria parasites very early in life have poor survival compared to animals that remain uninfected. Our report thus provides the first evidence of a clinically significant impact of malaria infection in young deer. IMPORTANCE Malaria parasites of the genus Plasmodium are known to infect a variety of vertebrate hosts, including ungulates (hoofed mammals). A recent study found that up to a quarter of white-tailed deer (Odocoileus virginianus) in North America are infected with the parasite Plasmodium odocoilei. In addition to occupying an important ecological niche, white-tailed deer are popular game animals and deer farming represents a rapidly growing industry. However, the effect of P. odocoilei infection in this ecologically and economically important ungulate species is unknown. Our work is significant because (i) we identified a high prevalence of P. odocoilei in farmed deer and (ii) we found evidence for both cleared and persistent infection, as well as an association with decreased survival of young fawns

Highly polymorphic microsatellites in the North American snakeweed grasshopper, Hesperotettix viridis

Microsatellite markers are preferred for fine-scale population genetic studies requiring high resolution. The grasshopper Hesperotettix viridis (Thomas) is an oligophagous species that feeds on composites and often exhibits locally restricted diets. Divergence in host plant use in some localities is seen where co-occurring subpopulations select alternate plant species, as expected with the evolution of host shifts and associated lineage divergence. To characterize the host-associated divergence patterns among populations of H. viridis, we developed markers from two microsatellite-enriched genomic libraries. Here we report the characterization and optimization of seven polymorphic di- and tri-nucleotide microsatellite loci for this species. One hundred and six individuals from 5 populations were tested for polymorphism. The number of alleles varied from 4 to 38 in all the populations. Ho ranged from 0.339 to 0.790. Homozygote excess was observed across loci, perhaps due to inbreeding. This is the first report of microsatellite markers for the subfamily Melanoplinae

Effects of wind energy development on survival of female greater prairie-chickens

The potential effects of wind energy development on wildlife have received increased attention over the past decade. In Kansas, optimal sites for wind energy development often overlap with preferred habitats of greater prairie-chickens Tympanuchus cupido. Our goal was to determine whether wind energy development affected survival of female prairie-chickens in a grassland ecosystem, assessing one potential impact of wind on an upland gamebird of conservation concern. We focused primarily on the response of female prairie-chickens to wind energy development because population dynamics of prairie-chickens are primarily determined by female demography. We monitored prairie-chickens at a wind facility in Kansas during a 2-year pre-construction (2007–2008) and a 3-year post-construction period (2009–2011). We used data from 220 radio-marked females to calculate weekly survival and hazard rates. We used cause of death for 81 mortality events to test for changes in the proportion of mortalities attributed to mammalian predators, avian predators and collisions. We observed an unexpected increase in annual survival during the post-construction period (0·57) compared with the pre-construction period (0·32). Distance from home range centroid to the nearest wind turbine site had no effect on weekly survival of females. Collision mortality events were rare, and most were associated with fences or transmission lines and not turbine blades. Most female mortality was due to predation (c. 90%). Differences in annual survival were driven by a higher risk of mortality during lekking activity in March and April during the pre-construction period (weekly hazard rate = 0·050–0·062) compared with the post-construction period (hazard rate = 0·012–0·021). We observed no change in the proportion of mortalities attributed to different causes between the two treatment periods. Synthesis and applications. Development of a wind energy facility had no negative effect on survival of female prairie-chickens. The results of our field study indicate that greater prairie-chickens are less sensitive to wind energy development than lesser prairie-chickens Tympanuchus pallidicinctus and greater sage-grouse Centrocercus urophasianus are to oil and gas development. We have strong evidence that survival increased after wind energy development, and hypothesize that energy development affected the local predator community, resulting in an indirect effect of decreased predation risk during the post-construction period

Creating and Completing Service-Learning within Medical School Curricula: From the Learner’s Perspective

Background: This article describes a service-learning project implemented at local free clinics by students at the Ohio State University College of Medicine and identifies key factors in their success. Methods: In response to a lack of longitudinal patient-physician relationships at free clinics, the students developed an initiative linking free clinic patients with diabetes to primary care homes for longitudinal care and counseled patients on the benefits of establishing a longitudinal relationship with a primary care physician. Results: All patients counseled were linked, compared to a historical 10% linkage rate, and 78% of patients scheduling initial appointments. Five factors were identified and listed by the students as key to the project’s process, success, and impact. Conclusion: Although all of these listed factors may prove difficult to replicate, this case-study serves as a model for other medical schools incorporating service-learning and exhibits that medical students can become integral portions of healthcare infrastructure

Lessons from the evaluation of the UK's NHS R&D Implementation Methods Programme

Background: Concern about the effective use of research was a major factor behind the creation of the NHS R&D Programme in 1991. In 1994, an advisory group was established to identify research priorities in research implementation. The Implementation Methods Programme (IMP) flowed from this, and its commissioning group funded 36 projects. In 2000 responsibility for the programme passed to the National Co-ordinating Centre for NHS Service Delivery and Organisation R&D, which asked the Health Economics Research Group (HERG), Brunel University, to conduct an evaluation in 2002. By then most projects had been completed. This evaluation was intended to cover: the quality of outputs, lessons to be learnt about the communication strategy and the commissioning process, and the benefits from the projects. Methods: We adopted a wide range of quantitative and qualitative methods. They included: documentary analysis, interviews with key actors, questionnaires to the funded lead researchers, questionnaires to potential users, and desk analysis. Results: Quantitative assessment of outputs and dissemination revealed that the IMP funded useful research projects, some of which had considerable impact against the various categories in the HERG payback model, such as publications, further research, research training, impact on health policy, and clinical practice. Qualitative findings from interviews with advisory and commissioning group members indicated that when the IMP was established, implementation research was a relatively unexplored field. This was reflected in the understanding brought to their roles by members of the advisory and commissioning groups, in the way priorities for research were chosen and developed, and in how the research projects were commissioned. The ideological and methodological debates associated with these decisions have continued among those working in this field. The need for an effective communication strategy for the programme as a whole was particularly important. However, such a strategy was never developed, making it difficult to establish the general influence of the IMP as a programme. Conclusion: Our findings about the impact of the work funded, and the difficulties faced by those developing the IMP, have implications for the development of strategic programmes of research in general, as well as for the development of more effective research in this field

Assessing the utility of metabarcoding for diet analyses of the omnivorous wild pig (\u3ci\u3eSus scrofa\u3c/i\u3e)

Wild pigs (Sus scrofa) are an invasive species descended from both domestic swine and Eurasian wild boar that was introduced to North America during the early 1500s. Wild pigs have since become the most abundant free-ranging exotic ungulate in the United States. Large and ever-increasing populations of wild pigs negatively impact agriculture, sport hunting, and native ecosystems with costs estimated to exceed $1.5 billion/ year within the United States. Wild pigs are recognized as generalist feeders, able to exploit a broad array of locally available food resources, yet their feeding behaviors remain poorly understood as partially digested material is often unidentifiable through traditional stomach content analyses. To overcome the limitation of stomach content analyses, we developed a DNA sequencing-based protocol to describe the plant and animal diet composition of wild pigs. Additionally, we developed and evaluated blocking primers to reduce the amplification and sequencing of host DNA, thus providing greater returns of sequences from diet items. We demonstrate that the use of blocking primers produces significantly more sequencing reads per sample from diet items, which increases the robustness of ascertaining animal diet composition with molecular tools. Further, we show that the overall plant and animal diet composition is significantly different between the three areas sampled, demonstrating this approach is suitable for describing differences in diet composition among the locations

Invasion ecology of wild pigs (Sus scrofa) in Florida, USA: the role of humans in the expansion and colonization of an invasive wild ungulate

Wild pigs (Sus scrofa) are the most widely distributed invasive wild ungulate in the United States, yet the factors that influence wild pig dispersal and colonization at the regional level are poorly understood. Our objective was to use a population genetic approach to describe patterns of dispersal and colonization among populations to gain a greater understanding of the invasion process contributing to the expansion of this species. We used 52 microsatellite loci to produce individual genotypes for 482 swine sampled at 39 locations between 2014 and 2016. Our data revealed the existence of genetically distinct subpopulations (FST = 0.1170, p\0.05). We found evidence of both fine-scale subdivision among the sampling locations, as well as evidence of long term genetic isolation. Several locations exhibited significant admixture (interbreeding) suggesting frequent mixing of individuals among locations; up to 14% of animals were immigrants from other populations. This pattern of admixture suggested successive rounds of human-assisted translocation and subsequent expansion across Florida. We also found evidence of genetically distinct populations that were isolated from nearby populations, suggesting recent introduction by humans. In addition, proximity to wild pig holding facilities was associated with higher migration rates and admixture, likely due to the escape or release of animals. Taken together, these results suggest that human-assisted movement plays a major role in the ecology and rapid population growth of wild pigs in Florida

Museum epigenomics: Characterizing cytosine methylation in historic museum specimens

Museum genomics has transformed the field of collections‐based research, opening up a range of new research directions for paleontological specimens as well as natural history specimens collected over the past few centuries. Recent work demonstrates that it is possible to characterize epigenetic markers such as DNA methylation in well preserved ancient tissues. This approach has not yet been tested in traditionally prepared natural history specimens such as dried bones and skins, the most common specimen types in vertebrate collections. In this study, we developed and tested methods to characterize cytosine methylation in dried skulls up to 76 years old. Using a combination of ddRAD and bisulphite treatment, we characterized patterns of cytosine methylation in two species of deer mouse (Peromyscus spp.) collected in the same region in Michigan in 1940, 2003, and 2013–2016. We successfully estimated methylation in specimens of all age groups, although older specimens yielded less data and showed greater interindividual variation in data yield than newer specimens. Global methylation estimates were reduced in the oldest specimens (76 years old) relative to the newest specimens (1–3 years old), which may reflect post‐mortem hydrolytic deamination. Methylation was reduced in promoter regions relative to gene bodies and showed greater bimodality in autosomes relative to female X chromosomes, consistent with expectations for methylation in mammalian somatic cells. Our work demonstrates the utility of historic specimens for methylation analyses, as with genomic analyses; however, studies will need to accommodate the large variance in the quantity of data produced by older specimens.Peer Reviewedhttp://deepblue.lib.umich.edu/bitstream/2027.42/162784/5/men13115.pdfhttp://deepblue.lib.umich.edu/bitstream/2027.42/162784/4/men13115-sup-0003-AppendixS1.pdfhttp://deepblue.lib.umich.edu/bitstream/2027.42/162784/3/men13115-sup-0001-FigS1-S2.pdfhttp://deepblue.lib.umich.edu/bitstream/2027.42/162784/2/men13115_am.pdfhttp://deepblue.lib.umich.edu/bitstream/2027.42/162784/1/men13115-sup-0002-TableS1-S2.pd