Home Appreciation Participation Notes: A Solution to Housing Affordability and the Current Mortgage Crisis

This paper introduces Home Appreciation Participation Notes (HAPNs), an innovative new housing finance tool. Housing is a commodity providing two distinct utilities: shelter and investment. Traditionally, buyers have had to purchase both elements in tandom. HAPNs allow buyers to purchase these elements individually. Thus, buyers can focus on purchasing housing units that best fit their shelter needs, investing in housing appreciation to whatever extent is appropriate for the needs of their investment portfolio. HAPNs are different from previous financing tools in three key ways: there is no payment burden until ownership of the home is transferred, the risk of housing price declines is shifted to investors, and the final payoff is indexed to the appreciation rates of local housing prices. With these three features, HAPNs considerably improve the affordability of homeownership while reducing the risk of default and avoiding the moral hazard associated with shared appreciation instruments.

Dietary flavonoid intakes and CVD incidence in the Framingham Offspring Cohort

This study examines the relationship between long-term intake of six flavonoid classes and incidence of CVD and CHD, using a comprehensive flavonoid database and repeated measures of intake, while accounting for possible confounding by components of a healthy dietary pattern. Flavonoid intakes were assessed using a FFQ among the Framingham Offspring Cohort at baseline and three times during follow-up. Cox proportional hazards regression was used to characterise prospective associations between the natural logarithms of flavonoid intakes and CVD incidence using a time-dependent approach, in which intake data were updated at each examination to represent average intakes from previous examinations. Mean baseline age was 54 years, and 45 % of the population was male. Over an average 14·9 years of follow-up among 2880 participants, there were 518 CVD events and 261 CHD events. After multivariable adjustment, only flavonol intake was significantly associated with lower risk of CVD incidence (hazard ratios (HR) per 2·5-fold flavonol increase = 0·86, Ptrend = 0·05). Additional adjustment for total fruit and vegetable intake and overall diet quality attenuated this observation (HR = 0·89, Ptrend = 0·20 and HR = 0·92, Ptrend = 0·33, respectively). There were no significant associations between flavonoids and CHD incidence after multivariable adjustment. Our findings suggest that the observed association between flavonol intake and CVD risk may be a consequence of better overall diet. However, the strength of this non-significant association was also consistent with relative risks observed in previous meta-analyses, and therefore a modest benefit of flavonol intake on CVD risk cannot be ruled out

Making mentoring work: The need for rewiring epistemology

To help produce expert coaches at both participation and performance levels, a number of governing bodies have established coach mentoring systems. In light of the limited literature on coach mentoring, as well as the risks of superficial treatment by coach education systems, this paper therefore critically discusses the role of the mentor in coach development, the nature of the mentor-mentee relationship and, most specifically, how expertise in the mentee may best be developed. If mentors are to be effective in developing expert coaches then we consequently argue that a focus on personal epistemology is required. On this basis, we present a framework that conceptualizes mentee development on this level through a step by step progression, rather than unrealistic and unachievable leap toward expertise. Finally, we consider the resulting implications for practice and research with respect to one-on-one mentoring, communities of practice, and formal coach education

Stories as personal coaching philosophy

The importance of coaches developing and articulating a personal coaching philosophy which encapsulates their values and beliefs is widely recognised. Yet it is also acknowledged that many coaches resist what appears an abstract task or find it to be of limited use in their day-to-day practice. In this paper we explore the potential of an alternative approach to developing and articulating a personal coaching philosophy: storytelling. Following a discussion of the potential of stories, we present a story written by one coach which expresses her personal philosophy in a way that is firmly rooted in her coaching practice. Storytelling approaches, we suggest, can reveal the connections between abstract/general philosophy and the personal embodied experience of coaching. We reflect on the possibilities and problems of using stories as philosophy and offer some suggestions for how coaches may be supported in developing their coaching philosophy through storytelling

Current definitions of “transdiagnostic” in treatment development: A search for consensus

Research in psychopathology has identified psychological processes that are relevant across a range of Diagnostic and Statistical Manual (DSM) mental disorders, and these efforts have begun to produce treatment principles and protocols that can be applied transdiagnostically. However, review of recent work suggests that there has been great variability in conceptions of the term “transdiagnostic” in the treatment development literature. We believe that there is value in arriving at a common understanding of the term “transdiagnostic.” The purpose of the current manuscript is to outline three principal ways in which the term “transdiagnostic” is currently used, to delineate treatment approaches that fall into these three categories, and to consider potential advantages and disadvantages of each approachFirst author draf

The skeletal muscle fiber periphery: a nexus of mTOR-related anabolism

Skeletal muscle anabolism is driven by numerous stimuli such as growth factors, nutrients (i.e., amino acids, glucose), and mechanical stress. These stimuli are integrated by the mechanistic target of rapamycin (mTOR) complex 1 (mTORC1) signal transduction cascade. In recent years, work from our laboratory and elsewhere has sought to unravel the molecular mechanisms underpinning the mTOR-related activation of muscle protein synthesis (MPS), as well as the spatial regulation of these mechanisms within the skeletal muscle cell. These studies have suggested that the skeletal muscle fiber periphery is a region of central importance in anabolism (i.e., growth/MPS). Indeed, the fiber periphery is replete with the substrates, molecular machinery, and translational apparatus necessary to facilitate MPS. This review provides a summary of the mechanisms underpinning the mTOR-associated activation of MPS from cell, rodent, and human studies. It also presents an overview of the spatial regulation of mTORC1 in response to anabolic stimuli and outlines the factors that distinguish the periphery of the cell as a highly notable region of skeletal muscle for the induction of MPS. Future research should seek to further explore the nutrient-induced activation of mTORC1 at the periphery of skeletal muscle fibers

The Formation of Broad Line Clouds in the Accretion Shocks of Active Galactic Nuclei

Recent work on the gas dynamics in the Galactic Center has improved our understanding of the accretion processes in galactic nuclei, particularly with regard to properties such as the specific angular momentum distribution, density, and temperature of the inflowing plasma. This information can be valuable in trying to determine the origin of the Broad Line Region (BLR) in Active Galactic Nuclei (AGNs). In this paper, we explore various scenarios for the cloud formation based on the underlying principle that the source of plasma is ultimately that portion of the gas trapped by the central black hole from the interstellar medium. Based on what we know about the Galactic Center, it is likely that in highly dynamic environments such as this, the supply of matter is due mostly to stellar winds from the central cluster. Winds accreting onto a central black hole are subjected to several disturbances capable of producing shocks, including a Bondi-Hoyle flow, stellar wind-wind collisions, and turbulence. Shocked gas is initially compressed and heated out of thermal equilibrium with the ambient radiation field; a cooling instability sets in as the gas is cooled via inverse-Compton and bremsstrahlung processes. If the cooling time is less than the dynamical flow time through the shock region, the gas may clump to form the clouds responsible for broad line emission seen in many AGN spectra. Clouds produced by this process display the correct range of densities and velocity fields seen in broad emission lines. Very importantly, the cloud distribution agrees with the results of reverberation studies, in which it is seen that the central line peak responds slower to continuum changes than the line wings.Comment: 22 pages, 5 figure

Models for Chronology Selection

In this paper, we derive an expression for the grand canonical partition function for a fluid of hot, rotating massless scalar field particles in the Einstein universe. We consider the number of states with a given energy as one increases the angular momentum so that the fluid rotates with an increasing angular velocity. We find that at the critical value when the velocity of the particles furthest from the origin reaches the speed of light, the number of states tends to zero. We illustrate how one can also interpret this partition function as the effective action for a boosted scalar field configuration in the product of three dimensional de Sitter space and $S^1$. In this case, we consider the number of states with a fixed linear momentum around the $S^1$ as the particles are given more and more boost momentum. At the critical point when the spacetime is about to develop closed timelike curves, the number of states again tends to zero. Thus it seems that quantum mechanics naturally enforces the chronology protection conjecture by superselecting the causality violating field configurations from the quantum mechanical phase space.Comment: 20 pages, Late

Observation of asymmetric line shapes in precision microwave spectroscopy of the positronium 2³S₁→2³P_J (J=1,2) fine-structure intervals

We report new measurements of the positronium (Ps) 23S1→23PJ fine-structure intervals, νJ (J=0,1,2). In the experiments, Ps atoms, optically excited to the radiatively metastable 23S1 level, flew through microwave radiation fields tuned to drive transitions to the short-lived 23PJ levels, which were detected via the time spectrum of subsequent ground-state Ps annihilation radiation. Both the ν1 and ν2 line shapes were found to be asymmetric, which, in the absence of a complete line-shape model, prevents accurate determination of these fine-structure intervals. Conversely, the ν0 line shape did not exhibit any significant asymmetry; the observed interval, however, was found to disagree with QED theory by 4.2 standard deviations