Financial Planning for High School Students

The global financial crisis of the early 21st century has taught us many things about human nature, our societal goals and the finance industry overall. Perhaps the most surprising finding, however, has been the observance of financial illiteracy among the general public. The combination of greed and ignorance towards financial responsibility has played an important role in the collapse of our financial system. The financial illiteracy of our society has been an epidemic in our country for some time. Financial planning is a topic that has been rarely taught in high schools. This has lead to an influx of adults who lack fundamental knowledge of how to manage their finances. In an attempt to combat this ever-growing trend in our society, Financial Planning for High School Students was conceived. Currently, there is nothing on the market that can be used as an educational tool to teach basic financial planning to high school students. The text is a beginner’s guide to the basics of financial planning. It is written in a concise and organized fashion to enable easy comprehension. Large sets of information have been condensed into helpful graphs and diagrams that are both visually appealing and informative. The text is divided into three sections based on age: Strategies for Young Adults, Adults and Old Age. This format helps to explain how the financial plan evolves as an individual progresses through life. Some major topics covered are: Budgeting, Credit Planning, Taxes, Investing, Insurance Planning and Estate Planning. Exposure to the basic concepts of financial planning should help address the issue of financial illiteracy and prevent another terrible global economic disaster

Food Security in the 21\u3csup\u3est\u3c/sup\u3e Century: Lessons from Cuban Agriculture for Materializing Realities

Worldwide, hunger continues to pose great problems for humanity. Despite popular belief, hunger is a problem of inequality, not agricultural production. The fast-approaching global peak in oil production, the point at which half of all existing oil has been used, means that hunger, now a problem of inequality, will soon become a problem of production unless contemporary agricultural production is transformed. This project examines the promise of urban agriculture in providing food security following the collapse of petroagriculture. The case of Cuba, albeit fostered by political economic conditions and not emerging geophysical limitations, provides a model of agricultural development for the rest of the world. The collapse of the Soviet trade bloc in 1989 undermined Cuba’s agriculture sector, as former inputs (particularly petroleum) were no longer available. To feed its population, Cuba initiated the largest organic agriculture effort in history. In doing so, Cuba successfully thwarted potentially devastating hunger and possible famine. Degradation of the planet is inextricably linked to the degrading conditions of life for the majority of the world’s population. A systematic examination of the Cuban case exemplifies the importance and feasibility of urban agriculture for simultaneously addressing the roots of both

Promoting Partnerships for Student Success: Lessons from the SSPIRE Initiative

The Student Support Partnership Integrating Resources and Education (SSPIRE) initiative aimed to increase the success of young, low-income, and academically underprepared California community college students by helping colleges strengthen their support services and better integrate these services with academic instruction. This report describes what the nine participating community colleges did to meet the goals of SSPIRE and offers lessons for other institutions drawn from MDRC's research on the initiative

JackHammer: Efficient Rowhammer on Heterogeneous FPGA-CPU Platforms

After years of development, FPGAs are finally making an appearance on multi-tenant cloud servers. These heterogeneous FPGA-CPU architectures break common assumptions about isolation and security boundaries. Since the FPGA and CPU architectures share hardware resources, a new class of vulnerabilities requires us to reassess the security and dependability of these platforms. In this work, we analyze the memory and cache subsystem and study Rowhammer and cache attacks enabled on two proposed heterogeneous FPGA-CPU platforms by Intel: the Arria 10 GX with an integrated FPGA-CPU platform, and the Arria 10 GX PAC expansion card which connects the FPGA to the CPU via the PCIe interface. We show that while Intel PACs currently are immune to cache attacks from FPGA to CPU, the integrated platform is indeed vulnerable to Prime and Probe style attacks from the FPGA to the CPU's last level cache. Further, we demonstrate JackHammer, a novel and efficient Rowhammer from the FPGA to the host's main memory. Our results indicate that a malicious FPGA can perform twice as fast as a typical Rowhammer attack from the CPU on the same system and causes around four times as many bit flips as the CPU attack. We demonstrate the efficacy of JackHammer from the FPGA through a realistic fault attack on the WolfSSL RSA signing implementation that reliably causes a fault after an average of fifty-eight RSA signatures, 25% faster than a CPU rowhammer attack. In some scenarios our JackHammer attack produces faulty signatures more than three times more often and almost three times faster than a conventional CPU rowhammer attack.Comment: Accepted to IACR Transactions on Cryptographic Hardware and Embedded Systems (TCHES), Volume 2020, Issue

Getting Ready for College: An Implementation and Early Impacts Study of Eight Texas Developmental Summer Bridge Programs

In 2007, the Texas Higher Education Coordinating Board (THECB) funded 22 colleges to establish developmental summer bridge programs. Aimed at providing an alternative to traditional developmental education, these programs involve intensive remedial instruction in math, reading, and/or writing and college preparation content for students entering college with low basic skills. In 2009, the National Center for Postsecondary Research (NCPR) launched an evaluation of eight developmental summer bridge programs in Texas (seven at community colleges and one at an open-admissions four-year university), the early findings of which are described in this report. Students who participated in the study were randomly assigned to the program group or the control group. Program group students participated in the developmental summer bridge programs, while control group students received colleges’ regular services. All developmental summer bridge programs had four common features: accelerated instruction in math, reading, and/or writing; academic support; a “college knowledge” component; and the opportunity for participants to receive a $400 stipend

Genome-Scale CRISPR-Mediated Control of Gene Repression and Activation

While the catalog of mammalian transcripts and their expression levels in different cell types and disease states is rapidly expanding, our understanding of transcript function lags behind. We present a robust technology enabling systematic investigation of the cellular consequences of repressing or inducing individual transcripts. We identify rules for specific targeting of transcriptional repressors (CRISPRi), typically achieving 90%–99% knockdown with minimal off-target effects, and activators (CRISPRa) to endogenous genes via endonuclease-deficient Cas9. Together they enable modulation of gene expression over a ∼1,000-fold range. Using these rules, we construct genome-scale CRISPRi and CRISPRa libraries, each of which we validate with two pooled screens. Growth-based screens identify essential genes, tumor suppressors, and regulators of differentiation. Screens for sensitivity to a cholera-diphtheria toxin provide broad insights into the mechanisms of pathogen entry, retrotranslocation and toxicity. Our results establish CRISPRi and CRISPRa as powerful tools that provide rich and complementary information for mapping complex pathways

Getting Ready for College: An Implementation and Early Impact Study of Eight Texas Developmental Summer Bridge Programs

Displayed on billboards and license plates alike, “College for All Texans” is the unofficial motto that is promoted statewide to encourage college readiness, participation, and success in Texas. Policymakers, educators, and business leaders agree that Texas must increase rates of college participation and success to preserve the economic vitality of the state and to secure the future well-being of Texas residents. To address the dynamic needs of the growing state population, Texas launched in 2000 an ambitious statewide strategic plan called called Closing the Gaps by 2015. One of the primary objectives of this plan is to increase enrollment and academic success in Texas colleges and universities. One component of the Closing the Gaps by 2015 initiative was the creation of developmental summer bridge programs — intensive summer experiences that offer eligible students remedial instruction in math, reading, and/or writing along with an introduction to college. Developmental summer bridge programs aim to reduce or eliminate the need for developmental courses so that more students are prepared for college-level courses in their first semester of college. Programs typically offer intensive, targeted coursework for four to five weeks over the summer, accompanied by tutoring, additional labs, and student support services. The integrated approach used in developmental summer bridge programs is thought to help ease students’ transition into college. But despite the increasing popularity of summer bridge programs across the country, little empirical research on their outcomes or impacts has been conducte

Investigation of the Photophysical Properties of a Eu3+ Coordination Polymer Bearing an α-Nitrile Substituted β-Diketonate Ligand via Emission and Ultrafast Transient Absorption Spectroscopy

Reaction of the β-diketone ligand, 2-cyano-1,3-phenyl-1,3-propandione (LH), with hydrated EuCl3 in the presence of 1,10-phenanthroline (Phen), results in the crystallisation of a one-dimensional Eu3+ coordination polymer of formulation [Eu(Phen)(L)3]∞, formed by coordination of the nitrile group of an O,O′-bound ligand to a neighbouring metal centre. An investigation of the metal-centred emission of the polymer, both in the solid state and solution, revealed red emission characterised by relatively long-lived excited state lifetimes and high intrinsic quantum yields. However, analysis of the overall quantum yield and sensitisation efficiency reveals that ultrafast processes in the ligand potentially inhibit Eu3+ sensitisation. Further investigations into these processes using transient absorption spectroscopy suggest that substitution at the α-C position may significantly decrease sensitisation via the antenna effect

NCBI’s virus discovery codeathon: building “FIVE” —the Federated Index of Viral Experiments API index

Viruses represent important test cases for data federation due to their genome size and the rapid increase in sequence data in publicly available databases. However, some consequences of previously decentralized (unfederated) data are lack of consensus or comparisons between feature annotations. Unifying or displaying alternative annotations should be a priority both for communities with robust entry representation and for nascent communities with burgeoning data sources. To this end, during this three-day continuation of the Virus Hunting Toolkit codeathon series (VHT-2), a new integrated and federated viral index was elaborated. This Federated Index of Viral Experiments (FIVE) integrates pre-existing and novel functional and taxonomy annotations and virus–host pairings. Variability in the context of viral genomic diversity is often overlooked in virus databases. As a proof-of-concept, FIVE was the first attempt to include viral genome variation for HIV, the most well-studied human pathogen, through viral genome diversity graphs. As per the publication of this manuscript, FIVE is the first implementation of a virus-specific federated index of such scope. FIVE is coded in BigQuery for optimal access of large quantities of data and is publicly accessible. Many projects of database or index federation fail to provide easier alternatives to access or query information. To this end, a Python API query system was developed to enhance the accessibility of FIVE