Book Review of My Street Money: A Street-Level View of Managing Your Money from the Heart to the Bank

In his book, My Street Money: A Street-Level View of Managing Your Money from the Heart to the Bank, Louis Barajas delivers a set of sound principles and actionable steps for an audience who consider themselves average citizens with traditional values

Book Review of "My Street Money: A Street-Level View of Managing Your Money from the Heart to the Bank"

In his book, <em>My Street Money: A Street-Level View of Managing Your Money from the Heart to the Bank</em>, Louis Barajas delivers a set of sound principles and actionable steps for an audience who consider themselves average citizens with traditional values

Three essays on personal financial difficulties of military members

Doctor of PhilosophyDepartment of Family Studies and Human ServicesSonya L. Britt and Martin SeayThis three essay dissertation examined questions related to personal financial difficulties of military members with the aim of suggesting the most effective focal points for those involved in development of policy or programs or working directly with military members on improving their personal financial condition. The introduction (Chapter 1) describes the nature of the problem, the level of attention it has received within the civilian and military leadership structure, and generally what has been done to address it before presenting an outline of the chapters which follow. The first essay (Chapter 2) relies on theoretical guidance from stress and coping theory to examine determinants of a military member’s choice of problem-focused over emotion-focused coping strategies. The study used primary data collected from a sample of soldiers (n = 688) at a large Midwestern military installation. Its results indicated that military members with an internal locus of control and those who performed positive financial behaviors in response to a financial stressor reported lower levels of financial stress. Taking its theoretical guidance from the theory of planned behavior, the second essay (Chapter 3) examined the relationship of the behavioral antecedents of attitude toward behavior, subjective beliefs, and perceived behavioral control with behaviors related to establishing and maintaining an adequate emergency fund and maintaining positive cash flow, the term used for keeping spending at levels below income over time. The study analyzed primary data from a sample of soldiers at a large Midwestern military installation (n = 93). Of the 11 models analyzed, most were statistically significant, though, individually, the behavioral antecedents themselves did not yield statistical significance as often. Although fewer definitive findings emerged from the cash flow group of models, results of the emergency fund group indicated that attitude toward behavior and perceived behavioral control are positively influential on behaviors related to maintaining an emergency fund. The third essay (Chapter 4) detailed a study which tested the theoretical assumption that better informed consumers make better financial choices. The study examined self-assessed financial knowledge, a self-assessed measure of confidence in day-to-day personal financial management termed financial confidence, and objectively measured financial knowledge as potential determinants of certain positive and negative financial behaviors. The positive behaviors were maintenance of positive cash flow and an adequate emergency fund, and the negative behaviors were engaging in high-cost borrowing through auto title lenders, payday lenders, pawn shops, and rent-to-own stores, collectively termed alternative financial services (AFS). The study analyzed secondary data from a sample of military members collected by the 2012 National Financial Capability Study which yielded a set of 949 responses useable for the study described in this chapter. Subjective knowledge was found to be associated with emergency fund maintenance, but not positive cash flow, while objective financial knowledge and financial confidence were found to be positively associated with positive cash flow, but not emergency fund maintenance. Females and those with higher incomes were found to be more likely to maintain positive cash flow, while those with three or more dependent children and those having experienced a recent income shock were less likely to do so. Females, members with graduate degrees, and members with a higher investing risk tolerance were more likely to maintain emergency funds, though members with two or more children and those having experienced a recent income shock were less likely to do so. Subjective financial knowledge was found to be positively related to AFS use, while objective financial knowledge and financial confidence were found to be negatively associated with AFS use. Members with more dependent children and those having experienced recent income shocks were more likely to have used AFS, while those with higher incomes were less likely to have done so. The conclusion (Chapter 5) summarizes the findings of all three essays, their implications, and suggests directions for future research. It re-emphasizes the unique contributions of the essays to personal finance literature pertaining to military members and its importance for policy makers, military leaders, and anyone involved in developing or administering personal financial improvement programs for the benefit of military members

In Vitro and In Vivio Evaluation of a Moisture Treatment Cream Containing Three Critical Elements of Natural Skin Moisturization

Objectives To evaluate skin barrier and hydration effects of a new rebalancing moisture treatment (TRMT) and to assess efficacy and tolerability in subjects with photodamaged skin. Methods In an epidermal skin model, tissues (n = 5/group) were topically treated with 25 µL of TRMT, 25 µL of a market‐leading moisturizer (MLM), or untreated for 60 minutes. Hydration was measured at 0, 15, and 30 minutes. Tissues were harvested for gene expression analysis of markers associated with skin barrier and hydration: Claudin (CLD), Aquaporin (AQP), Hyaluronic Acid Syntheses (HAS), and Hyaluronidase (HYAL). A clinical study evaluated twice‐daily application of TRMT, assessing changes in fine lines/wrinkles, brightness, texture, erythema, and tolerability from baseline through week 8. Hydration was measured using electrical impedance. Results TRMT and MLM demonstrated significant increases in hydration vs untreated tissue at each timepoint (P \u3c .005), with greater hydration effects observed for TRMT vs MLM. TRMT‐treated tissues demonstrated greater expression of CLD, AQP, and HA, and reduced expression of HYAL vs untreated and MLM‐treated tissues. Twice‐daily application of TRMT demonstrated significant improvements at 2 weeks in fine lines/wrinkles (P \u3c .001), brightness (P \u3c .0001), texture (P \u3c .0004), and hydration (P \u3c .004). At 8 weeks, statistically significant improvements were achieved in all categories. Conclusion In an epidermal skin model, TRMT demonstrated significant increases in hydration, greater hydration effects, and expression of key markers associated with skin barrier and hydration vs a MLM. Twice‐daily application of TRMT was well tolerated and resulted in early, significant improvements in hydration and visible improvements in skin brightness, texture, fine lines/wrinkles, and erythema at 8 weeks

Old and New Fields on Super Riemann Surfaces

The ``new fields" or ``superconformal functions" on $N=1$ super Riemann surfaces introduced recently by Rogers and Langer are shown to coincide with the Abelian differentials (plus constants), viewed as a subset of the functions on the associated $N=2$ super Riemann surface. We confirm that, as originally defined, they do not form a super vector space.Comment: 9 pages, LaTex. Published version: minor changes for clarity, two new reference

Bonded Cumomer Analysis of Human Melanoma Metabolism Monitored by 13C NMR Spectroscopy of Perfused Tumor Cells.

A network model for the determination of tumor metabolic fluxes from (13)C NMR kinetic isotopomer data has been developed and validated with perfused human DB-1 melanoma cells carrying the BRAF V600E mutation, which promotes oxidative metabolism. The model generated in the bonded cumomer formalism describes key pathways of tumor intermediary metabolism and yields dynamic curves for positional isotopic enrichment and spin-spin multiplets. Cells attached to microcarrier beads were perfused with 26 mm [1,6-(13)C2]glucose under normoxic conditions at 37 °C and monitored by (13)C NMR spectroscopy. Excellent agreement between model-predicted and experimentally measured values of the rates of oxygen and glucose consumption, lactate production, and glutamate pool size validated the model. ATP production by glycolytic and oxidative metabolism were compared under hyperglycemic normoxic conditions; 51% of the energy came from oxidative phosphorylation and 49% came from glycolysis. Even though the rate of glutamine uptake was ∼50% of the tricarboxylic acid cycle flux, the rate of ATP production from glutamine was essentially zero (no glutaminolysis). De novo fatty acid production was ∼6% of the tricarboxylic acid cycle flux. The oxidative pentose phosphate pathway flux was 3.6% of glycolysis, and three non-oxidative pentose phosphate pathway exchange fluxes were calculated. Mass spectrometry was then used to compare fluxes through various pathways under hyperglycemic (26 mm) and euglycemic (5 mm) conditions. Under euglycemic conditions glutamine uptake doubled, but ATP production from glutamine did not significantly change. A new parameter measuring the Warburg effect (the ratio of lactate production flux to pyruvate influx through the mitochondrial pyruvate carrier) was calculated to be 21, close to upper limit of oxidative metabolism

Impact of primary breast cancer therapy on energetic capacity and body composition

PURPOSE: This observational study was designed to measure baseline energy parameters and body composition in early-stage breast cancer patients, and to follow changes during and after various modalities of treatment. This will provide information to aid in the development of individualized physical activity intervention strategies. METHODS: Patients with newly diagnosed stage 0-III breast cancer were enrolled into three cohorts: A (local therapy alone), B (endocrine therapy), or C (chemotherapy with or without endocrine therapy). At baseline, 6 months, and 12 months, subjects underwent a stationary bicycle protocol to assess power generation and DEXA to assess body composition. RESULTS: Eighty-three patients enrolled. Patients had low and variable levels of power generation at baseline (mean power per kilogram lean mass 1.55 W/kg, SD 0.88). Power normalized to lean body mass (W/kg) decreased significantly, and similarly, by 6 months in cohorts B (1.42-1.04 W/kg, p = 0.008) and C (1.53-1.18 W/kg, p < 0.001). In all cohorts, there was no recovery of power generation by 12 months. Cohort C lost lean body mass (- 1.5 kg, p = 0.007), while cohort B maintained lean body mass (- 0.2 kg, p = 0.68), despite a similar trajectory in loss of power. Seven patients developed sarcopenia during the study period, including four patients who did not receive any chemotherapy (cohort B). CONCLUSIONS: The stationary bike protocol was feasible, easy, and acceptable to patients as a way to measure energetic capacity in a clinical setting. Early-stage breast cancer patients had low and variable levels of power generation, which worsened following primary therapy and did not show evidence of 'spontaneous recovery' by 12 months. Effective physical activity interventions will need to be personalized, accounting for both baseline ability and the effect of treatment

Skewed X-chromosome inactivation in scleroderma.

Scleroderma is a female-prevalent autoimmune disease of unclear etiology. Two fundamental gender differences, skewed X-chromosome inactivation (XCI) and pregnancy-related microchimerism, have been implicated in scleroderma. We investigated the XCI patterns of female scleroderma patients and the parental origin of the inactive X chromosome in those patients having skewed XCI patterns (>80%). In addition, we investigated whether a correlation exists between XCI patterns and microchimerism in a well-characterized cohort. About 195 female scleroderma patients and 160 female controls were analyzed for the androgen receptor locus to assess XCI patterns in the DNA extracted from peripheral blood cells. Skewed XCI was observed in 67 (44.9%) of 149 informative patients and in 10 of 124 healthy controls (8.0%) [odds ratio (OR) = 9.3 (95% confidence interval (CI) 4.3-20.6, P 90%) was present in 44 of 149 patients (29.5%) but only in 3 of 124 controls (2.4%; OR = 16.9; 95% CI 4.8-70.4, P < 0.0001). Parental origin of the inactive X chromosome was investigated for ten patients for whom maternal DNA was informative, and the inactive X chromosome was of maternal origin in eight patients and of paternal origin in two patients. Skewed XCI mosaicism could be considered as an important risk factor in scleroderma