scholarly journals Assessing Financial Education: Evidence from Boot Camp

2016 ◽  
Vol 8 (2) ◽  
pp. 322-343 ◽  
Author(s):  
William Skimmyhorn

This study estimates the effects of Personal Financial Management Course attendance and enrollment assistance using a natural experiment in the US Army. New enlistees' course attendance reduces the probability of having credit account balances, average balances, delinquencies, and adverse legal actions in the first year after the course, but it has no effects on accounts in the second year or credit scores in either year. The course and its enrollment assistance substantially increase retirement savings rates and average monthly contributions, with effects that persist through at least two years. The course has no significant effects on military labor market outcomes. (JEL D14, I21, J45)

Author(s):  
E. V. Emelianov

The article considers the changes in US foreign trade policy at the beginning of the Trump’s presidency. Exporting is a critical component for the long-term growth and the U.S. economy overall, and supporting millions of jobs in US. Though D. Trump campaigned for president as a protectionist, there was no such steps the first year of his presidency. But his second year in the White House began with announcing new tariffs on solar panels, washing machines, then on steel, aluminium. As concerning steel products, the United States being the world’s largest steel importer have persistent trade deficit.The US trade law allows the president to limit imports in case if domestic industries are threatened, against unfair foreign trade practices for a period of time, but such measures were not frequent in US practice. Meanwhile new protectionist measures are debated. Trump’s policy is being opposed not only by trade partners of the US, but in the US as well, by those who argue that protectionist measures will complicate international relationships.


Author(s):  
Lyle Gohn ◽  
James Swartz ◽  
Sharon Donnelly

Most colleges/universities emphasize retention efforts during the first year. However, most campuses lose as many students through attrition from the second year to graduation as are lost from first to second year. Researchers at a major university in the mid-south studied second year students using a qualitative approach. A Conceptual Diagram of Issues, developed from the literature, guided the data collection and analysis. These included: Emotional and Personal Support; Commitment and Aspiration; Academic; and Financial. Eleven second-year students, representing various characteristics of the student population were interviewed. Major factors relating to attrition or persistence for second year students included: 1) adjustment to stress, 2) grade satisfaction, 3) time management, 4) financial management, and 5) stabilization of career choice.


2011 ◽  
Vol 18 (6) ◽  
pp. 857-874 ◽  
Author(s):  
John Q. Ehrgott Jr. ◽  
Stephen A. Akers ◽  
Jon E. Windham ◽  
Denis D. Rickman ◽  
Kent T. Danielson

The dynamic airblast, fragmentation, and soil ejecta loading environments produced by the detonation of surface-laid and shallow-buried mines are major threats to lightweight military vehicles. During the past several years, the US Army has focused considerable attention on developing improved methods for predicting the below-vehicle environment from these threats for use by vehicle/armor analysts; thereby, improving the survivability of these platforms. The US Army Engineer Research and Development Center recently completed the first year of a three-year effort to experimentally and numerically quantify the blast and fragment loading environments on vehicles due to surface and subsurface mine and IED detonations. As part of this research effort, a series of experiments was conducted to quantify the effects of soil parameters on the aboveground blast environments produced by the detonation of aboveground bottom-surface-tangent, buried top-surface-tangent, and shallow-buried 2.3-kg (5-lb) Composition C4 charges. The experiments were conducted using three different well characterized soils; 10.8% air-filled-voids (AFV) silty sand, 5.4% AFV clay, and 29.8% AFV poorly graded sand. The combined aboveground loads due to airblast and soil debris were measured by an impulse measurement device. The near-surface airblast overpressure was quantified by a series of side-on measurements above the charges at one elevation and three radial distances. This paper summarizes and compares the results of the experimental program with emphasis on defining the effect of soil parameters on the aboveground blast environment.


2018 ◽  
Vol 41 (3) ◽  
pp. 237-243
Author(s):  
Juan F. Sánchez-Arroyo ◽  
Christian Wehenkel ◽  
Francisco Ó. Carrete-Carreón ◽  
Manuel Murillo-Ortiz ◽  
Esperanza Herrera-Torres ◽  
...  

Large areas of arid and semi-arid grasslands in Mexico are severely damaged. Large areas of high-risk rainfed crops have been abandoned. These problems are the result of constant overgrazing, extraction of firewood, overutilization of valuable species, fire and the practice of subsistence agriculture. The aim of this study was to measure the initial performance of the seedlings, as well as forage production and survival in the second year of nine Bouteloua curtipendula populations native to Mexico in comparison with El Reno, a commercial variety from the US. Plant development was visually estimated and dry matter (DM) production was estimated one year after the establishment. Survival was assessed at the end of the growing season in the following year. The experiment was carried out using a complet randomized blocks experimental design, and differences in vigor between genotypes were analyzed by a permutation test. Significant differences in DM production and plant establishment (P ≤ 0.05) were observed between genotypes. The US commercial variety was the least productive population, exhibiting less vigor during the first year than the rest of the genotypes evaluated. Large diversity in seedling establishment capacity, DM yield and survival was observed in the second year. The Mexican populations 241, NdeM-303, 47 and NdeM-5 were superior for plant establishment and DM production.


2020 ◽  
Vol 5 (1) ◽  
pp. 74-89
Author(s):  
Hugh Crago

In a seminal 1973 paper, Robert Clark described the very different “cultures” of the first and second year students in a four year clinical psychology PhD programme. The author applies Clark’s template to his own experiences as trainee or trainer in five different counsellor education programmes, one in the US and four in Australia. Each of the programmes, to varying degrees, demonstrates key features of the pattern identified by Clark, where the first year is “therapeutic” and other-oriented, the second is “professional” and self-focused. The author concludes that all the surveyed programmes exhibited some level of “second year crisis”, in which a significant number of students felt abandoned, dissatisfied, or rebellious. The author extends and refines Clark’s developmental analogy (first year = childhood; second year = adolescence) to reflect recent neurological research, in particular, the shift from a right hemisphere-dominant first year of life, prioritising affiliative needs, to a left hemisphere-dominant second year, prioritising autonomy and control. This shift is paralleled later by a more gradual move from a protective, supportive childhood to necessary, but sometimes conflictual, individuation in adolescence. The first two years of a counsellor training programme broadly echo this process, a process exacerbated by the second year internship/placement, in which students must “leave home” and adjust to unfamiliar, potentially less nurturing, authority figures. Finally, the author suggests introducing more rigorous “academic holding” into the first year, and greater attention to “therapeutic holding” of dissident students in the second, hopefully decreasing student dropout, and achieving a better balanced training experience.


Author(s):  
Umar Iqbal ◽  
Deena Salem ◽  
David Strong

The objective of this paper is to document the experience of developing and implementing a second-year course in an engineering professional spine that was developed in a first-tier research university and relies on project-based core courses. The main objective of this spine is to develop the students’ cognitive and employability skills that will allow them to stand out from the crowd of other engineering graduates.The spine was developed and delivered for the first time in the academic year 2010-2011 for first-year general engineering students. In the year 2011-2012, those students joined different programs, and accordingly the second-year course was tailored to align with the different programs’ learning outcomes. This paper discusses the development and implementation of the course in the Electrical and Computer Engineering (ECE) department.


2020 ◽  
Author(s):  
Jennifer McDonald ◽  
Rebecca Merkley ◽  
Jacqueline Mickle ◽  
Lisa Collimore ◽  
Daniel Ansari

Research in cognitive development has highlighted that early numeracy skills are associated with later math achievement, suggesting that these skills should be targeted in early math education. Here we tested whether tools used by researchers to assess mathematical thinking could be useful in the classroom. This paper describes a collaborative project between cognitive scientists and school board researchers/educators implementing numeracy screeners with kindergarten students over the course of three school years. The Give-A-Number task (Wynn, 1990) was used with first-year kindergarten students and the Numeracy Screener [BLINDED] with second-year kindergarten students. Results indicated that educators (N = 59) found the tools feasible to implement and helpful for exploring their students’ thinking and targeting instruction. The Educators’ feedback also helped inform improvements to the implementation of the tools and future directions for both the schools and the researchers. This work emphasizes the importance of transdisciplinary collaboration to address the research-practice gap.


2020 ◽  
pp. 304-312

Background: Insult to the brain, whether from trauma or other etiologies, can have a devastating effect on an individual. Symptoms can be many and varied, depending on the location and extent of damage. This presentation can be a challenge to the optometrist charged with treating the sequelae of this event as multiple functional components of the visual system can be affected. Case Report: This paper describes the diagnosis and subsequent ophthalmic management of an acquired brain injury in a 22 year old male on active duty in the US Army. After developing acute neurological symptoms, the patient was diagnosed with a pilocytic astrocytoma of the cerebellum. Emergent neurosurgery to treat the neoplasm resulted in iatrogenic cranial nerve palsies and a hemispheric syndrome. Over the next 18 months, he was managed by a series of providers, including a strabismus surgeon, until presenting to our clinic. Lenses, prism, and in-office and out-of-office neurooptometric rehabilitation therapy were utilized to improve his functioning and make progress towards his goals. Conclusions: Pilocytic astrocytomas are the most common primary brain tumors, and the vast majority are benign with excellent surgical prognosis. Although the most common site is the cerebellum, the visual pathway is also frequently affected. If the eye or visual system is affected, optometrists have the ability to drastically improve quality of life with neuro-optometric rehabilitation.


Author(s):  
D.B. Izyumov ◽  
E.L. Kondratyuk

The article discusses issues related to the development and use of training means and facilities in order to improve the level of training of US Army personnel. An overview of the main simulators used in the US Armed Forces at present is given, and the prospects for the development of the United States in this area are presented.


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