Exploring the Effect of Financial Literacy Programs on Low-Income Adults

Financial literacy is a necessity of modern adult life. Obtaining control of personal finances is challenging for everyone. The lack of financial literacy in the low income adult grouping has become more problematic as personal finances become more complex. Utilizing a series of interviews the shared experiences of the study participant’s reflected in-depth descriptions of the personal lived experiences relating to financial literacy concepts, educational programs, and future expectations from the participants. This study addresses the perceptions and expectations of low-income adults regarding financial literacy programs and attempts to isolate ways to increase attendance in educational financial literacy programs. Using a series of thematic questions, three significant areas emerged relating to participants’ characteristics, types of services required and access to programs are explored. The results reverse the top down approach of financial program development from what lowincome adults need to learn to participate in mainstream financial sector to what low-income adults want to learn to secure a stable financial future. The conclusions, recommendations and implications reached are generalizable and appropriate for developing best practices delivering financial literacy programs to the low income adult population

Barley

"Barley production in Missouri usually increases following a drought. Livestock producers need feed if corn supplies are low or need pasture if grass is not recovered."--First page.James A. Schaffer (Department of Agronomy), Einar Palm (Department of Plant Pathology), Gene Munson (Department of Entomology, College of Agriculture)New 12/85/5

Sorghum aphid pest management (1985)

Revised 4/85/10M, New 4/92/5M

Sorghum aphid pest management (1993)

Three species of aphids commonly are found on grain and forage sorghums in Missouri. One species, commonly known as 'greenbug,' has caused the most consistent damage since its introduction to Missouri in 1969. This publication provides a description of Sorghum aphids and gives advice for the control of infestations

Barley

Barley production in Missouri usually increases following a drought. Livestock producers need feed if corn supplies are low or need pasture if grass is not recovered. As a feed grain, barley is considered to have 95 percent of the feed value of corn. Barley acreage has not been estimated by the Crop Reporting Service since 1977, but estimates range from 5,000 to 20,000 acres each year. Barley is used in the malting industry as well as for livestock feed. However, attempts to produce barley for malting in Missouri have failed because malting barley requires bright sunshine with little disease during grain filling - a condition most often found in more arid regions of the United States

The business of genomic testing: a survey of early adopters

Purpose: The practice of “genomic” (or “personalized”) medicine requires the availability of appropriate diagnostic testing. Our study objective was to identify the reasons for health systems to bring next-generation sequencing into their clinical laboratories and to understand the process by which such decisions were made. Such information may be of value to other health systems seeking to provide next-generation sequencing testing to their patient populations. Methods: A standardized open-ended interview was conducted with the laboratory medical directors and/or department of pathology chairs of 13 different academic institutions in 10 different states. Results: Genomic testing for cancer dominated the institutional decision making, with three primary reasons: more effective delivery of cancer care, the perceived need for institutional leadership in the field of genomics, and the premise that genomics will eventually be cost-effective. Barriers to implementation included implementation cost; the time and effort needed to maintain this newer testing; challenges in interpreting genetic variants; establishing the bioinformatics infrastructure; and curating data from medical, ethical, and legal standpoints. Ultimate success depended on alignment with institutional strengths and priorities and working closely with institutional clinical programs. Conclusion: These early adopters uniformly viewed genomic analysis as an imperative for developing their expertise in the implementation and practice of genomic medicine

Herbicides for soybeans

"Soybean herbicides can be soil incorporated before planting (PPI). They can be applied to the soil surface at planting time or before crop emergence (preemergence). Or they can be applied in a split application (sequential) where the first product is incorporated and followed by a pre-emergent applied over the row or broadcast. A final application method is post-emergence treatment."--First page.Zane R. Helsel, Harold D. Kerr, E.J. Peters, David Goethle, L.E. Anderson, James A Schaffer, and O'Hale Fletchall (Department of Agronomy College of Agriculture)Revised 12/84/12

Invisible Iterations: How Formal and Informal Organization Shape Knowledge Networks for Coordination

AbstractThis study takes a network approach to investigate coordination among knowledge workers as grounded in both formal and informal organization. We first derive hypotheses regarding patterns of knowledge‐sharing relationships by which workers pass on and exchange tacit and codified knowledge within and across organizational hierarchies to address the challenges that underpin contemporary knowledge work. We use survey data and apply exponential random graph models to test our hypotheses. We then extend the quantitative network analysis with insights from qualitative interviews and demonstrate that the identified knowledge‐sharing patterns are the micro‐foundational traces of collective coordination resulting from two underlying coordination mechanisms which we label ‘invisible iterations’ and ‘bringing in the big guns’. These mechanisms and, by extension, the associated knowledge‐sharing patterns enable knowledge workers to perform in a setting that is characterized by complexity, uncertainty and ambiguity. Our research contributes to theory on the interplay between formal and informal organization for coordination by showing how self‐directed, informal action is supported by the formal organizational hierarchy. In doing so, it also extends understanding of the role that hierarchy plays for knowledge‐intensive work. Finally, it establishes the collective need to coordinate work as a previously overlooked driver of knowledge network relationships and network patterns.</jats:p