The Effects o f Financial Education on Short-term and Long-term Financial Behaviors

This study investigates how financial education in high school, college, or in the workplace affects the short‐ and long‐term financial behaviors of adults using the 2015 National Financial Capability Study (NFCS) data. Financial education appears to have generally insignificant effects on short‐term behaviors for which there is regular feedback and penalties, and thus greater opportunity for learning by doing. If consumers do not pay off their credit card bill, they get a monthly statement showing interest charges and penalties. Financial education appears to have more positive and stronger effects on long‐term behaviors with less timely feedback, and for which the adverse consequences are not fully realized until later in life, so learning by doing may not work. Not saving enough money for retirement cannot be easily or quickly corrected, if at all. The benefits to financial education may differ based on the time horizon for the financial behaviors

The disaggregation of value-added test scores to assess learning outcomes in economics courses

This study disaggregates posttest, pretest, and value-added or difference scores in economics into four types of economic learning: positive, retained, negative, and zero. The types are derived from patterns of student responses to individual items on a multiple-choice test. The micro and macro data from the Test of Understanding in College Economics (TUCE) are used to show how aggregate scores can be reinterpreted based on their learning components. The regression analysis shows the relative contribution from learning components to aggregate scores. A value-added or difference score has a potential problem because it is a mixture of positive and negative learning.  A better alternative would be to use the positive learning scores to assess improvement in economic understanding

Looking through Form to Substance: Are Montana Resort Condominiums Securities ?

Looking Through Form To Substance: Are Montana Resort Condominiums Securities

extensible Markup Language (XML) for Competitive Advantage

extensible Markup Language (XML) has received much attention in the popular press lately as a new technology designed to facilitate information sharing among business entities. One of the biggest problems that companies are experiencing today with XML is that many executives do not understand what XML is and why it is important, nor do they understand what its potential impact on their information strategy might be. In this paper, we present an overview of XML and a framework for generating IS strategic alternatives, which was introduced in its original form in the 1980s. This framework is adapted to suit the properties of XML and its usage is illustrated with XML cases. Finally, considerations for developing XML applications that are identified by the framework are presented

Evaluating water quality regulation as a driver of farmer behavior: A social-ecological systems approach

Water quality policy for agricultural lands seeks to improve water quality by changing farmer behavior. We investigate farmer behavior in three water quality regimes that differ by rule structure to examine the fit and interplay of each policy within its social-ecological context, important aspects for improving water quality. Vermont, USA’s practice-based policy requires the adoption of specific practices, whereas New Zealand’s Lake Taupo and Lake Rotorua performance-based policies require farmers to meet a numeric limit for nutrient loss on their farm. Across the three regions we interviewed 38 farmers to elicit mental models of nutrient management changes. We utilized the social-ecological systems (SES) framework to guide mental model elicitation, drawing on farmers’ perceptions of the SES to identify salient aspects for behavior. Mental models were grouped by region and analyzed using network analysis. Farmers in all regions self-report high levels of behavior change and cite the policies as key drivers of behavior. This suggests that each policy fits in that it is achieving desired behavior change. However, different behavioral patterns emerged across the regions that we hypothesize have implications for biophysical fit: structural changes dominate in Vermont (e.g., buffers) and system changes in Taupo (e.g., switch from dairy support to beef cattle). The interplay of the policy in each setting, such as with incentive programs in Vermont and a market for nitrogen in Taupo, contributed to the different behavioral patterns. Additionally, access to capital in some form is required for farmers to achieve changes associated with higher biophysical fit. The social fit of the policies also varied, evidenced by dramatic upheaval in Taupo to mostly neutral perceptions of the policy in Vermont. We conclude that regions considering a shift to water quality rules for farms should carefully consider behavioral dynamics in policy design to achieve water quality goals

Optimizing information flow in small genetic networks. II: Feed forward interactions

Central to the functioning of a living cell is its ability to control the readout or expression of information encoded in the genome. In many cases, a single transcription factor protein activates or represses the expression of many genes. As the concentration of the transcription factor varies, the target genes thus undergo correlated changes, and this redundancy limits the ability of the cell to transmit information about input signals. We explore how interactions among the target genes can reduce this redundancy and optimize information transmission. Our discussion builds on recent work [Tkacik et al, Phys Rev E 80, 031920 (2009)], and there are connections to much earlier work on the role of lateral inhibition in enhancing the efficiency of information transmission in neural circuits; for simplicity we consider here the case where the interactions have a feed forward structure, with no loops. Even with this limitation, the networks that optimize information transmission have a structure reminiscent of the networks found in real biological systems

An evaluation of Bradfordizing effects

The purpose of this paper is to apply and evaluate the bibliometric method Bradfordizing for information retrieval (IR) experiments. Bradfordizing is used for generating core document sets for subject-specific questions and to reorder result sets from distributed searches. The method will be applied and tested in a controlled scenario of scientific literature databases from social and political sciences, economics, psychology and medical science (SOLIS, SoLit, USB Köln Opac, CSA Sociological Abstracts, World Affairs Online, Psyndex and Medline) and 164 standardized topics. An evaluation of the method and its effects is carried out in two laboratory-based information retrieval experiments (CLEF and KoMoHe) using a controlled document corpus and human relevance assessments. The results show that Bradfordizing is a very robust method for re-ranking the main document types (journal articles and monographs) in today’s digital libraries (DL). The IR tests show that relevance distributions after re-ranking improve at a significant level if articles in the core are compared with articles in the succeeding zones. The items in the core are significantly more often assessed as relevant, than items in zone 2 (z2) or zone 3 (z3). The improvements between the zones are statistically significant based on the Wilcoxon signed-rank test and the paired T-Test

Copper(II) tetrakis(pentafluorophenyl)-β-octachloroporphyrin

The title compound, {4,5,9,10,14,15,19,20-octachloro-2,7,12, 17-tetrakis(pentafluorophenyl)-20,22,23,24- tetraazapentacyclo[l6.2.l.1^(3·6).l^(8·11).l^(13·16)]tetracosa-1,3(21),4,6,8(22),9,11, 13(23), 14, 16, 18(24), 19-dodecaene}copper(II)(CuTFPPC1_8)dichloromethane solvate, shows a large tetrahedral distortion or ruffling, with pairs of Cl atoms alternately averaging + 1.20 and -1.18 Å out of the plane of the four N atoms; the Cu atom is 0.01 Å out of the plane and the N atoms show a slight (±0.12 Å) tetrahedral distortion. A Cl atom of the solvent, at 3.515 (6) Å in an approximately axial position, is the closest non-bonded neighbor of the Cu atom

Some Notable Discoveries in Organosilicon Chemistry: Proceedings of the History and Retrospective Session of the 34th Organosilicon Symposium (2001)

The 34th Organosilicon Symposium at White Plains, NY, in 2001 featured a History and Retrospective Session, during which invited speakers from academic and industrial laboratories recounted the path to some significant 20th century discoveries in organosilicon chemistry. The Si=C Story: The Way it Happened, Adrian G. Brook (University of Toronto) The Discovery of Stable Disilenes and Silylenes, Robert West (University of Wisconsin) Yellow Fever: The Story Behind the Synthesis of Germasilenes, Kim M. Baines (University of Western Ontario) Direct Synthesis of Tris(dimethylamino)silane, William B. Herdle (OSi Specialties, formerly of Union Carbide Corporation) Discovery of Tin and Phosphorus Effects on the Direct Synthesis of Methylchlorosilanes, Larry H. Wood (Dow Corning Corporation) Discovery of Methylchlorosilylene (CH3SiCl) as a Key Intermediate in the Direct Synthesis of Dimethyldichlorosilane ((CH3)2SiCl2), Kenrick M. Lewis (OSi Specialties, formerly of Union Carbide Corporation) The First Platinum-Catalyzed Hydrosilylation With Supported Platinum Catalysts, George H. Wagner (Retired, formerly of Union Carbide Corporation) The Discovery of Silicone Surfactants for Polyurethane Foam, Bernard Kanner (Retired, formerly of Union Carbide Corporation) The Discovery of Silane Coupling Agents, Bernard Kanner (Retired, formerly of Union Carbide Corporation)https://ir.lib.uwo.ca/organosiliconproceedings/1006/thumbnail.jp

Pharmacological and Toxicological Properties of the Potent Oral γ-Secretase Modulator BPN-15606.

Alzheimer's disease (AD) is characterized neuropathologically by an abundance of 1) neuritic plaques, which are primarily composed of a fibrillar 42-amino-acid amyloid-β peptide (Aβ), as well as 2) neurofibrillary tangles composed of aggregates of hyperphosporylated tau. Elevations in the concentrations of the Aβ42 peptide in the brain, as a result of either increased production or decreased clearance, are postulated to initiate and drive the AD pathologic process. We initially introduced a novel class of bridged aromatics referred tγ-secretase modulatoro as γ-secretase modulators that inhibited the production of the Aβ42 peptide and to a lesser degree the Aβ40 peptide while concomitantly increasing the production of the carboxyl-truncated Aβ38 and Aβ37 peptides. These modulators potently lower Aβ42 levels without inhibiting the γ-secretase-mediated proteolysis of Notch or causing accumulation of carboxyl-terminal fragments of APP. In this study, we report a large number of pharmacological studies and early assessment of toxicology characterizing a highly potent γ-secretase modulator (GSM), (S)-N-(1-(4-fluorophenyl)ethyl)-6-(6-methoxy-5-(4-methyl-1H-imidazol-1-yl)pyridin-2-yl)-4-methylpyridazin-3-amine (BPN-15606). BPN-15606 displayed the ability to significantly lower Aβ42 levels in the central nervous system of rats and mice at doses as low as 5-10 mg/kg, significantly reduce Aβ neuritic plaque load in an AD transgenic mouse model, and significantly reduce levels of insoluble Aβ42 and pThr181 tau in a three-dimensional human neural cell culture model. Results from repeat-dose toxicity studies in rats and dose escalation/repeat-dose toxicity studies in nonhuman primates have designated this GSM for 28-day Investigational New Drug-enabling good laboratory practice studies and positioned it as a candidate for human clinical trials