The Impact of Different Worldviews on the Financial Planning Process

An individual\u27s worldview has an effect on all aspects of their life. Worldview affects the decisions people make, the clothes they wear, the people they interact with, and so much more. What is often overlooked is the impact of worldview on one\u27s view and use of money. Money is universal and everyone has some form of currency or assets. However, the way money is used, whether it is saved, spent, or invested, is often determined by an individual\u27s own concept of money. Additionally, relationships between people are often chosen or influenced by an individual\u27s worldview. Human beings are seen differently through the lens of the culture than they are through the eyes of God or the Bible. Furthermore, in a financial planning relationship between a client and advisor, worldview plays an important role. The purpose of this thesis is to note the impact of worldview in holistic financial planning and analyze the concept of behavioral finance to understand why people make the investment decisions that they do

A Curriculum for Teaching Collaborative Worship Songwriting Inspired by Village Hymns

The scriptural injunction to “sing to the Lord a new song” motivates the church to create new worship songs that are Biblically based, musically excellent, and reflective of God’s unique gifting and purpose for the church in its time. Village Hymns, a collective of worship leaders and songwriters serving in South Florida churches, has developed a platform for building skill in collaborative worship songwriting through their CREATE events. Through the experience of hosting over 50 CREATE events and recording three EP CDs, Village Hymns has developed best practices for collaborative worship songwriting. The aim of the case study research was to identify these best practices and incorporate them into a twelve-week curriculum for teaching collaborative worship songwriting. The curriculum is informed by perspectives from Biblical and theological scholarship and church history. Additionally, social learning constructs including communities of practice and structural folding inform the curriculum

Production control and scheduling

Thesis (M.S.)--Massachusetts Institute of Technology, School of Industrial Management, 1963.Includes bibliographical references (leaves 51-52).by Robert J. Osterhus.M.S

Geochronology, geochemistry and Nd, Sr and Pb isotopes of syn-orogenic granodiorites and granites (Damara orogen, Namibia) – arc-related plutonism or melting of mafic crustal sources?

Highlights • Geochemical data from high-T granodiorites and granites imply lower crustal amphibolite melting. • New U-Pb zircon ages imply syn-orogenic intrusion • New Sr-Nd-Pb isotope data imply ancient crustal sources and constrain AFC processes Abstract: The Gawib pluton (Damara Belt, Namibia) consists of two main intrusive rock types; magnesian, calc-alkaline, mostly metaluminous hornblende- and titanite-bearing granodiorites and magnesian to ferroan, metaluminous to slightly peraluminous calc-alkaline granites. Uranium-Pb zircon data obtained on the granodiorites gave concordant ages of 548.5 ± 5.6 Ma indicating that the pluton belongs to the early syn-orogenic magmatism in the Damara orogen. Major and trace element variations indicate that fractional crystallization was the major rock-forming mechanism for the granodiorites. In the absence of high-precision geochronological data, the granites may represent more advanced fractionation products of the granodiorites although distinct Ba-Sr-Rb relationships preclude a direct derivation of the granites from the exposed granodiorites. If the granites originated by extensive fractional crystallization from similar granodiorites, they can only be derived from high-Ba, high-Sr, low-Rb granodiorites. Crustal contamination was also important in the petrogenesis of both rock types (granodiorites: ε Nd(init.): -7 to -13; 87Sr/86Sr(init.): 0.708-0.713; granites: ε Nd(init): -14 to -18; 87Sr/86Sr(init.): 0.712-0.726). In contrast to the granodiorites, the granites show more radiogenic 87Sr/86Sr ratios and less radiogenic ε Nd values indicating different contaminants for both rock types. ε Nd vs. MgO relationships imply some genetic link to isotopically unevolved quartz diorites similar to those observed at the Palmental complex. This pluton, however, is located c. 80 km NE from the Gawib pluton and probably cannot be viewed as the direct source of the Gawib granodiorites. If such a relationship is allowed, the granodiorites must be viewed as hybrid rocks containing a juvenile component because they were derived from unevolved quartz diorites by fractional crystallization. In addition, AFC processe have also played a role implying that the granodiorites contain also a reprocessed crustal component. Alternatively, comparison with experimentally derived melts imply that the granodiorites are generated by dehydration melting of a mafic, amphibole-bearing lower crustal source. Chemical parameters of the granodiorites compared to experimental results indicate high temperatures of c. 1040 °C. Zirconium saturation temperatures obtained on the most primitive samples gave c. 830 °C whereas apatite saturation temperatures obtained on the same samples give temperatures of c. 960-980 °C; the latter seems to be a more reliable temperature estimate. Interpretation of geochemical and isotope data from the complex suggest that the early synorogenic Pan-African igneous activity in this part of the Damara Belt was a high-temperature intra-crustal event. In contrast to igneous processes along active continental margins that produce also intermediate plutons with calc-alkaline affinities, this igneous event was not a major crust-forming episode and the granodiorites represent mostly reprocessed crustal material

A Novel Synthetic Yeast for Enzymatic Biodigester Pretreatment

Lignin, a complex organic polymer, is a major roadblock to the efficiency of biofuel conversion as it both physically blocks carbohydrate substrates and poisons biomass degrading enzymes, even if broken down to monomer units. A pretreatment process is often applied to separate the lignin from biomass prior to biofuel conversion. However, contemporary methods of pretreatment require large amounts of energy, which may be economically uncompelling or unfeasible. Taking inspiration from several genes that have been isolated from termites and fungi which translate to enzymes that degrade lignin, we want to establish a novel “enzymatic pretreatment” system where microbes secrete these enzymes to degrade lignocellulosic biomass. We incorporated the following genes into yeast vectors: laccase, lignin peroxidase, and alpha-keto-reductase from Reticulitermes flavipes; versatile peroxidase from Colletotrichum fioriniae PJ7; manganese peroxide from Heterobasidion irregulare TC 32-1; and tyrosinase from Agaricus bisporus. These vectors code for fusion proteins with yeast secretion tags at the end of each enzyme gene, fluorescent protein tags at the beginning, as well as standardized restriction sites for synthetic biology manipulation. Furthermore, we designed an additional vector to contain our genetically modified yeast using an oxygen-repressed killswitch. We expect that transformants with our construct will be able to secrete said enzymes and contribute to lignin degradation if added to a biomass slurry. Future studies may focus on constructing a prototype bioreactor system and optimizing which combination of enzymes lead to the most efficient biofuel production

Water mass transformation in the Greenland Sea during the 1990s

Time series of hydrographic and transient tracer measurements were used to study the variability of Greenland Sea water mass transformation between 1991 and 2000. Increases in tracer inventories indicate active renewal of Greenland Sea Intermediate Water (GSIW) at a rate of 0.1 to 0.2 Sv (1 Sv = 1 × 106 m3 s−1) (10-year average). A temperature maximum (Tmax) was established at the base of the upper layer (500 m) as a consequence of anomalously strong freshwater input into the near-surface layer at the beginning of the 1990s. Tmax rapidly descended to 1500 m by 1995 followed by a much slower rate of descent. GSIW became warmer and less saline compared to the 1980s. During the deepening phase of Tmax, atmospheric data revealed above-average wind stress curl and oceanic heat loss. In addition, high Arctic Ocean sea-ice export and lack of local sea-ice formation have been documented for that period. A combination of all these factors may have evoked the renewal of GSIW with anomalously freshwater from the upper layers. The Tmax layer established a stability maximum that inhibits vertical exchange between intermediate and deeper waters. Temperature and salinity of deep waters continued to increase at rates of 0.01°C yr−1 and 0.001 yr−1, respectively. However, since 1993, decrease in and homogenization of deep water transient tracer concentrations indicate that renewal occurred predominantly by addition of Arctic Ocean waters. In 2000 the water column (500 m to 3400 m) required an additional 60 W m−2 (110 W m−2) over the annual mean heat loss to restore its heat content to 1989 (1971) values