Correlation of Personal Finance Class and Credit Scores

It is has become a concern: the number of people struggling with personal finance and credit scores. It is for this reason that this study scrutinizes the possible influence of one factor on the other. It is undeniable that personal finance influences some futuristic financial decisions and goals, but has the relationship been proven? This study aims to evaluate the correlation between personal finance and financial literacy, using a sample of 15 to 30 high-school students and teachers. The study collected data through interviews and surveys. The data collected were used to formulate the correlation between the course’s success and competency in money management and other financial matters. The significance of the study reiterates the importance of personal finance as a factor influencing adults’ financial literacy. The research is structured starting with the introduction in the first chapter and the literature review in the second. The third chapter details methodology, as the fourth chapter details result analysis. The last chapter, Chapter Five, envelops the discussion, conclusions, recommendations, and limitations. Generally, the study found a positive correlation between passing a personal finance class and financial literacy

Characteristics of College Student Volunteering

The focus of this paper is on college students and their attitudes, values, and activities, including altruism and volunteering. College students from a southwestern liberal arts university were sampled. We found that the students repeatedly stressed traditional, moralistic, and altruistic attitudes and values. We found relatively high levels of volunteering. We also found that students placed significant limits on their volunteering

The biomechanical function of periodontal ligament fibres in orthodontic tooth movement

Orthodontic tooth movement occurs as a result of resorption and formation of the alveolar bone due to an applied load, but the stimulus responsible for triggering orthodontic tooth movement remains the subject of debate. It has been suggested that the periodontal ligament (PDL) plays a key role. However, the mechanical function of the PDL in orthodontic tooth movement is not well understood as most mechanical models of the PDL to date have ignored the fibrous structure of the PDL. In this study we use finite element (FE) analysis to investigate the strains in the alveolar bone due to occlusal and orthodontic loads when PDL is modelled as a fibrous structure as compared to modelling PDL as a layer of solid material. The results show that the tension-only nature of the fibres essentially suspends the tooth in the tooth socket and their inclusion in FE models makes a significant difference to both the magnitude and distribution of strains produced in the surrounding bone. The results indicate that the PDL fibres have a very important role in load transfer between the teeth and alveolar bone and should be considered in FE studies investigating the biomechanics of orthodontic tooth movement. © 2014 McCormack et al

Ab initio study of spin-dependent transport in carbon nanotubes with iron and vanadium adatoms

We present an ab initio study of spin dependent transport in armchair carbon nanotubes with transition metal adsorbates, iron or vanadium. We neglect the effect of tube curvature and model the nanotube by graphene with periodic boundary conditions. A density functional theory based nonequilibrium Green's function method is used to compute the electronic structure and zero-bias conductance. The presence of the adsorbate causes a strong scattering of electrons of one spin type only. The scattering is shown to be due to coupling of the two armchair band states to the metal 3d orbitals with matching symmetry causing Fano resonances appearing as dips in the transmission function. The spin type (majority/minority) being scattered depends on the adsorbate and is explained in terms of d-state filling. The results are qualitatively reproduced using a simple tight-binding model, which is then used to investigate the dependence of the transmission on the nanotube width. We find a decrease in the width of the transmission dip as the tube-size increases.Comment: 7 pages, 7 figure

Masticatory biomechanics in the rabbit : a multi-body dynamics analysis

Acknowledgement We thank Sue Taft (University of Hull) for the µCT-scanning of the rabbit specimen used in this study. We also thank Raphaël Cornette, Jacques Bonnin, Laurent Dufresne, and l'Amicale des Chasseurs Trappistes (ACT) for providing permission and helping us capture the rabbits used for the in vivo bite force measurements at la Réserve Naturelle Nationale de St Quentin en Yvelines, France.Peer reviewedPublisher PD

Mathematical model of Zika virus with vertical transmission

Zika is a flavivirus transmitted to humans through either the bites of infected Aedes mosquitoes or sexual transmission. Zika has been linked to congenital anomalies such as microcephaly. In this paper, we analyze a new system of ordinary differential equations which incorporates human vertical transmission of Zika virus, the birth of babies with microcephaly and asymptomatically infected individuals. The Zika model is locally and globally asymptotically stable when the basic reproduction number is less than unity. Our model shows that asymptomatic individuals amplify the disease burden in the community, and the most important parameters for ZIKV spread are the death rate of mosquitoes, the mosquito biting rate, the mosquito recruitment rate, and the transmission per contact to mosquitoes and to adult humans. Scenario exploration indicates that personal-protection is a more effective control strategy than mosquito-reduction strategy. It also shows that delaying conception reduces the number of microcephaly cases, although this does little to prevent Zika transmission in the broader community. However, by coupling aggressive vector control and personal protection use, it is possible to reduce both microcephaly and Zika transmission. 2000 Mathematics Subject Classifications: 92B05, 93A30, 93C15

Inclusion of periodontal ligament fibres in mandibular finite element models leads to an increase in alveolar bone strains

Alveolar bone remodelling is vital for the success of dental implants and orthodontic treatments. However, the underlying biomechanical mechanisms, in particular the function of the periodontal ligament (PDL) in bone loading and remodelling, are not well understood. The PDL is a soft fibrous connective tissue that joins the tooth root to the alveolar bone and plays a critical role in the transmission of loads from the tooth to the surrounding bone. However, due to its complex structure, small size and location within the tooth socket it is difficult to study in vivo. Finite element analysis (FEA) is an ideal tool with which to investigate the role of the PDL, however inclusion of the PDL in FE models is complex and time consuming, therefore consideration must be given to how it is included. The aim of this study was to investigate the effects of including the PDL and its fibrous structure in mandibular finite element models. A high-resolution model of a human molar region was created from micro-computed tomography scans. This is the first time that the fibrous structure of the PDL has been included in a model with realistic tooth and bone geometry. The results show that omission of the PDL creates a more rigid model, reducing the strains observed in the mandibular corpus which are of interest when considering mandibular functional morphology. How the PDL is modelled also affects the strains. The inclusion of PDL fibres alters the strains in the mandibular bone, increasing the strains in the tooth socket compared to PDL modelled without fibres. As strains in the alveolar bone are thought to play a key role in bone remodelling during orthodontic tooth movement, future FE analyses aimed at improving our understanding and management of orthodontic treatment should include the fibrous structure of the PDL