Health Savings Accounts for Small Businesses and Entrepreneurs: Shopping, Take-Up and Implementation Challenges

A combination of high deductible health plans (HDHPs) and health savings accounts (HSAs) holds promise for expanding health insurance for small firms. We provide information on HSA take-up and shopping behavior from a 2008 survey of female small business owners, revealing that the HSA marketplace can be confusing for small firms. HSAs may have expanded access to health insurance for the smallest firms (under three employees), but not for small firms more generally. A sizable number of firms offering HSA-eligible insurance did not offer attached HSAs. Firms offering HSAs were satisfied with their experiences, but faced challenges in implementing them.Health Savings Accounts, Health Insurance Costs, Small Business

Health Savings Accounts for Small Businesses and Entrepreneurs: Shopping, Take-Up and Implementation Challenges

A combination of high deductible health plans (HDHPs) and health savings accounts (HSAs) holds promise for expanding health insurance for small firms. We provide information on HSA take-up and shopping behavior from a 2008 survey of female small business owners, revealing that the HSA marketplace can be confusing for small firms. HSAs may have expanded access to health insurance for the smallest firms (under three employees), but not for small firms more generally. A sizable number of firms offering HSA-eligible insurance did not offer attached HSAs. Firms offering HSAs were satisfied with their experiences, but faced challenges in implementing them.Health Savings Accounts, Health Insurance Costs, Small Business

Robust profit opportunities in risky financial portfolios

Cataloged from PDF version of article.For risky financial securities with given expected return vector and covariance matrix, we propose the concept of a robust profit opportunity in single- and multiple-period settings. We show that the problem of finding the “most robust” profit opportunity can be solved as a convex quadratic programming problem, and investigate its relation to the Sharpe ratio. © 2004 Elsevier B.V. All rights reserved

Perspectives of maternal mindful parenting: development and initial validation of the Mindful Parenting Inventories for Parents (MPIP) and Children (MPIC)

Objectives: Mindful parenting and its association with children’s socio-emotional development has garnered increasing research interest in recent years, but child perspectives are little understood. Here, we introduce the development and initial validation of parallel parent- and child-reported inventories—the Mindful Parenting Inventories for Parents (MPIP) and Children (MPIC)—that aim to measure parent and child perspectives of mindful parenting, respectively. Method: The inventories consist of 18 items comprising 4 mindful parenting subscales (Self-Regulation in Parenting, Acceptance and Compassion towards Child, Being in the Moment with Child, Awareness of Child). Following initial feasibility work, 135 mothers (Mage = 44.50 years, SDage = 5.49 years) and 90 typically developing children (Mage = 13.09 years, SDage = 1.66 years) formed a validation sample in the UK. Partial measurement invariance was supported across reporters. Results: There were medium-to-large correlations between MPIP and MPIC total scores and subscales, and both demonstrated excellent convergent validity (associations with mothers’ dispositional mindfulness and “traditional” parenting constructs) and concurrent validity (associations with children’s internalising, externalising and prosocial behaviours and mothers’ psychological distress). Furthermore, incremental validity—predictions from MPIP/MPIC to children’s behaviours over and above maternal dispositional mindfulness and traditional parenting—was apparent. Conclusions: The parallel MPIP and MPIC show promise for assessing mindful parenting from both parent and child perspectives. Preregistration: This study was not preregistered

Determinants of mindful parenting: a cross-cultural examination of parent and child reports

Based on Belsky’s process of parenting model and its recent update, the present study aims to explore multiple determinants of mindful parenting (i.e., parents’ psychological distress, child negative emotionality, and parental social support) across the UK and Türkiye using a multi-informant approach and multiple-group path analysis. We considered both parents’ and children’s perceptions of mindful parenting to obtain a complete picture of the mindful parenting process within families. Parents and their children aged 11–16 years were recruited in the UK (N = 101, Mchild age = 13.06 years, SDchild age = 1.64 years) and Türkiye (N = 162, Mchild age = 13.28 years, SDchild age = 1.65 years). Multiple-group path analysis revealed that both parent and child perspectives of mindful parenting are multiply determined. Parental psychological distress mediated the associations of child negative emotionality and social support with mindful parenting in both cultures. However, child negative emotionality was a direct determinant of mindful parenting in the UK only. Overall, our study shed light on both individual and cultural differences in the mindful parenting process. Limitations of the current research and recommendations and implications for future mindful parenting research and practices were discussed

Exosomes regulate neurogenesis and circuit assembly.

Exosomes are thought to be released by all cells in the body and to be involved in intercellular communication. We tested whether neural exosomes can regulate the development of neural circuits. We show that exosome treatment increases proliferation in developing neural cultures and in vivo in dentate gyrus of P4 mouse brain. We compared the protein cargo and signaling bioactivity of exosomes released by hiPSC-derived neural cultures lacking MECP2, a model of the neurodevelopmental disorder Rett syndrome, with exosomes released by isogenic rescue control neural cultures. Quantitative proteomic analysis indicates that control exosomes contain multiple functional signaling networks known to be important for neuronal circuit development. Treating MECP2-knockdown human primary neural cultures with control exosomes rescues deficits in neuronal proliferation, differentiation, synaptogenesis, and synchronized firing, whereas exosomes from MECP2-deficient hiPSC neural cultures lack this capability. These data indicate that exosomes carry signaling information required to regulate neural circuit development

Exploiting Cognitive Structure for Adaptive Learning

Adaptive learning, also known as adaptive teaching, relies on learning path recommendation, which sequentially recommends personalized learning items (e.g., lectures, exercises) to satisfy the unique needs of each learner. Although it is well known that modeling the cognitive structure including knowledge level of learners and knowledge structure (e.g., the prerequisite relations) of learning items is important for learning path recommendation, existing methods for adaptive learning often separately focus on either knowledge levels of learners or knowledge structure of learning items. To fully exploit the multifaceted cognitive structure for learning path recommendation, we propose a Cognitive Structure Enhanced framework for Adaptive Learning, named CSEAL. By viewing path recommendation as a Markov Decision Process and applying an actor-critic algorithm, CSEAL can sequentially identify the right learning items to different learners. Specifically, we first utilize a recurrent neural network to trace the evolving knowledge levels of learners at each learning step. Then, we design a navigation algorithm on the knowledge structure to ensure the logicality of learning paths, which reduces the search space in the decision process. Finally, the actor-critic algorithm is used to determine what to learn next and whose parameters are dynamically updated along the learning path. Extensive experiments on real-world data demonstrate the effectiveness and robustness of CSEAL.Comment: Accepted by KDD 2019 Research Track. In Proceedings of the 25th ACM SIGKDD International Conference on Knowledge Discovery & Data Mining (KDD'19

Effect of scaffold architecture and BMP-2/BMP-7 delivery on in vitro bone regeneration

The aim of this study was to develop 3-D tissue engineered constructs that mimic the in vivo conditions through a self-contained growth factor delivery system. A set of nanoparticles providing the release of BMP-2 initially followed by the release of BMP-7 were incorporated in poly(ε-caprolactone) scaffolds with different 3-D architectures produced by 3-D plotting and wet spinning. The release patterns were: each growth factor alone, simultaneous, and sequential. The orientation of the fibers did not have a significant effect on the kinetics of release of the model protein BSA; but affected proliferation of bone marrow mesenchymal stem cells. Cell proliferation on random scaffolds was significantly higher compared to the oriented ones. Delivery of BMP-2 alone suppressed MSC proliferation and increased the ALP activity to a higher level than that with BMP-7 delivery. Proliferation rate was suppressed the most by the sequential delivery of the two growth factors from the random scaffold on which the ALP activity was the highest. Results indicated the distinct effect of scaffold architecture and the mode of growth factor delivery on the proliferation and osteogenic differentiation of MSCs, enabling us to design multifunctional scaffolds capable of controlling bone healing.This project was conducted within the scope of the EU FP6 NoE Project Expertissues (NMP3-CT-2004-500283). We acknowledge the support to PY through the same project in the form of an integrated PhD grant. We also would like to acknowledge the support from Scientific and Technical Research Council of Turkey (TUBITAK) through project METUNANOBIOMAT (TBAG 105T508)

3D plotted PCL scaffolds for stem cell based bone tissue engineering

The ability to control the architecture and strength of a bone tissue engineering scaffold is critical to achieve a harmony between the scaffold and the host tissue. Rapid prototyping (RP) technique is applied to tissue engineering to satisfy this need and to create a scaffold directly from the scanned and digitized image of the defect site. Design and construction of complex structures with different shapes and sizes, at micro and macro scale, with fully interconnected pore structure and appropriate mechanical properties are possible by using RP techniques. In this study, RP was used for the production of poly(e-caprolactone) (PCL) scaffolds. Scaffolds with four different architectures were produced by using different configurations of the fibers (basic, basic-offset, crossed and crossed-offset) within the architecture of the scaffold. The structure of the prepared scaffolds were examined by scanning electron microscopy (SEM), porosity and its distribution were analyzed by micro-computed tomography (m-CT), stiffness and modulus values were determined by dynamic mechanical analysis (DMA). It was observed that the scaffolds had very ordered structures with mean porosities about 60%, and having storage modulus values about 1!107 Pa. These structures were then seeded with rat bone marrow origin mesenchymal stem cells (MSCs) in order to investigate the effect of scaffold structure on the cell behavior; the proliferation and differentiation of the cells on the scaffolds were studied. It was observed that cell proliferation was higher on offset scaffolds (262000 vs 235000 for basic, 287000 vs 222000 for crossed structure) and stainings for actin filaments of the cells reveal successful attachment and spreading at the surfaces of the fibers. Alkaline phosphatase (ALP) activity results were higher for the samples with lower cell proliferation, as expected. Highest MSC differentiation was observed for crossed scaffolds indicating the influence of scaffold structure on cellular activities