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- Creators: Department of Finance
- Creators: School of Molecular Sciences
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Description
With the rise in education costs and student debt, financial literacy and knowledge has never been more important. Sadly, the current reality is that financial literacy is not a staple in the curriculum for most of the American education system. Budgeting, saving, building credit and many other financial skills are key parts of your life right after college and very few students come out of school with a solid understanding of them. The goal of this paper is to introduce a few key elements of personal finance for those students and recent graduates who have little to no exposure to them. The topics I chose to discuss are budgeting, student loans, investing, and retirement. The numbers and salary figures are from Arizona State Career services to set up scenarios that many ASU graduates will face right out of school. More specifically the budgeting section is set up to mimic what income level, rent expense, and student loan payments graduating Sun Devils can expect to see right out of school. It was also important for me to introduce topics for long term planning like investing and retirement. Setting goals and preparing for the future, no matter how far down the road it seems, are fundamental for establishing a healthy financial foundation. Building a healthy financial foundation takes time, patience and understanding but it is a possibility for everyone. Establishing a very basic knowledge of these topics can help students immensely and utilizing this guide, along with other outside resources, students and graduates will be able to start their journey toward a more secure financial future.
ContributorsOliver, Corbett William (Author) / Brian, Sadusky (Thesis director) / Hoffman, David (Committee member) / Department of Information Systems (Contributor) / Department of Finance (Contributor) / Barrett, The Honors College (Contributor)
Created2020-05
Description
The purpose of this thesis project is to analyze the impact that patient death has on long-term care providers. This study draws upon my own experience working as a licensed nursing assistant in a long-term care facility and also uses a qualitative analysis of six semi-structured interviews with other nursing assistants and hospice volunteers. With patient death being an unavoidable part of working in this area of healthcare, I explore how these care providers cope with losing their patients and the effectiveness of these coping mechanisms. Some strategies found that aided in coping with grief included staying detached from patients, being distracted by other aspects of the job, receiving support from co-workers, family members and/or supervisors, and having a religious outlook on what happens following death. In addition to these, I argue that care providers also utilize the unconscious defense mechanism of repression to avoid their feelings of grief and guilt. Repressing the grief and emotions that come along with patient death can protect the individual from additional pain in order for them to continue to do their difficult jobs. Being distracted by other patients also aids in the repression process by avoiding personal feelings temporarily. I also look into factors that have been found to affect the level of grief including the caregiver’s closeness to the patient, level of preparedness for the death, and first experience of losing a patient. Ultimately, I show that the common feelings accompanied by patient death (sadness, anger and stress) and the occurrence of burnout are harmful symptoms of the repression taking place.
ContributorsMasterson, Kaitlin (Author) / Loebenberg, Abby (Thesis director) / Mack, Robert (Committee member) / School of Mathematical and Statistical Sciences (Contributor) / School of Molecular Sciences (Contributor) / Barrett, The Honors College (Contributor)
Created2020-05
Description
I will begin my paper by briefly describing the background which led to this paper, as well as stating my thesis. Next, I will define the term terrorism and explain the difference between it and the associated terms of insurgency and guerrilla warfare. Further, I will briefly go over the history of terrorism and the methods employed by terrorist organizations. After this introductory element, I will proceed to explore how terrorism has been funded in the past and how it is being funded at present. Lastly, I will present an overview of future methods of financing and make a proposal as to how the United States and the rest of the world could possibly disrupt these forms of financing. This paper is not intended to be comprehensive in nature, as this would be too large in scope, but rather use specific examples to illustrate certain methods and uses of terrorist financing
ContributorsWonderly, Frank (Author) / Simonson, Mark (Thesis director) / Smith, Geoffrey (Committee member) / Department of Military Science (Contributor) / School of Accountancy (Contributor) / Department of Finance (Contributor) / Barrett, The Honors College (Contributor)
Created2020-05
Description
Enzyme Replacement Therapy (ERT) is a treatment often used for patients with disorders that affect the production of various enzymes within the body, such as Cystic Fibrosis and Fabry Disease. ERT involves the use of artificially-produced enzymes, which can be derived from humans, pigs, and bacteria. Generally, enzymes derived from porcine and bacterial sources are much less expensive and more accessible than those derived from a human source. This, and the ethical implications that porcine enzymes carry, make the decision of choosing treatment simple to some and complex to others. Ethically, human-derived enzymes are often considered more ethical, while not conflicting with religious beliefs and practices as porcine-derived enzymes do.
In order to further compare porcine and human-derived enzymes, a determination of the enzyme effectiveness was done via digestion simulation. The digestion for both the human and porcine-derived enzymes consisted of three steps: oral, gastric, and intestinal. After the digestion, the absorbance for each enzyme class as well as a dilution curve of the formula used was read and recorded. Using the standard dilution curve and the absorbance values for each unknown, the formula and thus enzyme concentration that was lost through the reaction was able to be calculated.
The effectiveness of both the human and porcine enzymes, determined by the percent of formula lost, was 18.2% and 19.7%, respectively, with an error of 0.6% from the spectrophotometer, and an error of about 10% from the scale used for measuring the enzymes. This error was likely due to the small mass required of the enzymes and can be prevented in the future by performing the experiment at a larger scale.
In order to further compare porcine and human-derived enzymes, a determination of the enzyme effectiveness was done via digestion simulation. The digestion for both the human and porcine-derived enzymes consisted of three steps: oral, gastric, and intestinal. After the digestion, the absorbance for each enzyme class as well as a dilution curve of the formula used was read and recorded. Using the standard dilution curve and the absorbance values for each unknown, the formula and thus enzyme concentration that was lost through the reaction was able to be calculated.
The effectiveness of both the human and porcine enzymes, determined by the percent of formula lost, was 18.2% and 19.7%, respectively, with an error of 0.6% from the spectrophotometer, and an error of about 10% from the scale used for measuring the enzymes. This error was likely due to the small mass required of the enzymes and can be prevented in the future by performing the experiment at a larger scale.
ContributorsBlevins, Brianna R (Author) / Martin, Thomas (Thesis director) / McILwraith, Heide (Committee member) / College of Integrative Sciences and Arts (Contributor) / School of Molecular Sciences (Contributor) / Barrett, The Honors College (Contributor)
Created2020-05
Description
Graytech Operations Management Simulation is an educational videogame that teaches the fundamental principles of operations management. It was coded from scratch in Java and is playable as an executable jar file. Designing the game required creating a business case, designing a production process, and turning that process into a playable program. The simulation serves as a simplified version of what the player will face in their professional careers, giving them a solid way to practice and experiment with introductory operations management principles in a low pressure setting. The game puts the player in charge of a simple factory floor. The player controls direct materials ordering, manages the capacities of each process, and identifies and responds to changing bottlenecks, all while managing limited financial resources. Using the principles and strategies taught in their introductory supply chain courses, the player will attempt to maximize profits by manipulating the production system. Through playing this simulation, the player will gain a higher understanding of operations management principles while also having fun in the process. The finished game, supplementary tutorial videos, and source code can be freely accessed online at www.graytechsimulation.wixsite.com/download.
ContributorsGray, Carson (Author) / Van Orden, Joseph (Thesis director) / Sopha, Matthew (Committee member) / Department of Finance (Contributor) / Barrett, The Honors College (Contributor)
Created2020-05
Description
The heliobacteria, a family of anoxygenic phototrophs, are significant to photosynthesis evolution research, as they possess the simplest known photosynthetic apparatus. Although they are photoheterotrophs in the light, the heliobacteria may also grow chemotrophically via pyruvate metabolism in the absence of light. In Heliobacterium modesticaldum, the cytochrome bc complex is responsible for oxidizing menaquinol and reducing cytochrome c553 in the electron flow cycle used for phototrophy. However, there is no known electron acceptor for cytochrome c553 other than the photosynthetic reaction center. Therefore, it was hypothesized that the cytochrome bc complex is necessary for phototrophy, but unnecessary for chemotrophic growth in the dark. Under this hypothesis, a mutant of H. modesticaldum lacking the cytochrome bc complex was predicted to be viable, but non-phototrophic. In this project, a two-step method for CRISPR-based genome editing was used in H. modesticaldum to delete the genes encoding the cytochrome bc complex. Genotypic analysis verified the deletion of the petC, B, D, and A genes encoding the catalytic components of complex. Spectroscopic studies revealed that re-reduction of cytochrome c553 after flash-induced photo-oxidation was ~130 to 190 times slower in the ∆petCBDA mutant compared to wildtype, phenotypically confirming the removal of the cytochrome bc complex. The resulting ∆petCBDA mutant was unable to grow phototrophically, instead relying on pyruvate metabolism to grow chemotrophically as does wildtype in the dark.
ContributorsLeung, Sabrina (Author) / Redding, Kevin (Thesis director) / Liu, Wei (Committee member) / Vermaas, Wim (Committee member) / School of Molecular Sciences (Contributor) / School of International Letters and Cultures (Contributor) / Barrett, The Honors College (Contributor)
Created2020-05
Description
Cities are living systems. Their form and function are constantly changing to reflect the preferences and needs of their residents. One process of change in a city occurs when rapid investment pours into a neighborhood that was previously neglected. This so-called revitalization serves as a catalyst for many city improvements like new residential buildings, glamours commercial complexes, and even enhanced public transit. This process, also known as gentrification, can be a force for good as it results in population growth and economic opportunity. But with enough investment, prices -- including rent -- can be forced upwards equally as rapid. This is when gentrification can result in potentially negative outcomes for residents who can not keep up with the rent increases and are displaced from a city. Culture, as defined by people and business in an area, is the pride of many cities. A loss of culture through displacement is an outcome that anti-gentrification advocates want to avoid. But, cultural displacement may not always comprise a loss. In certain cases, displacement is just the natural byproduct of city evolution. An ideal solution to this state of affairs would be for cities to encourage gentrification while discouraging displacement. This study will explore how.
ContributorsFerrara, Justin Christopher (Author) / Simeone, Michael (Thesis director) / Baskin, Connor (Committee member) / Department of Economics (Contributor) / School of Mathematical and Statistical Sciences (Contributor) / Department of Information Systems (Contributor) / Department of Finance (Contributor) / Barrett, The Honors College (Contributor)
Created2020-05
Description
The purpose of this paper is to make the beyond a reasonable doubt standard in criminal trials more comprehensible for the modern juror while also increasing the modern juror’s motivation and ability to apply this standard consistent with trial proceedings. The major problems addressed include why the beyond a reasonable doubt standard is so difficult for modern jurors to understand in addition to why modern jurors lack both the motivation and ability to perform their integral function in criminal trials due to their enforced passive role. This paper traces the origins of the modern jury, delving into the centuries-long transition of the jury from an active to passive function, and the impacts historical change has had on the modern juror’s role in criminal trials. It also looks to define the beyond a reasonable doubt standard in terms of case law and pattern jury instructions and through contrast with its constituent lower civil standards of evidentiary certainty. The solution posed to remedy the aforementioned issues rests on a unique application of metaphor and imagery that can be implemented in lawyers’ rhetorical methods to instruct jurors on their paramount function in modern criminal suits.
ContributorsTodd, Madolynn Susan (Co-author) / Koretz, Lora (Thesis director) / Moore, James (Committee member) / Dean, W.P. Carey School of Business (Contributor) / Department of Finance (Contributor) / Barrett, The Honors College (Contributor)
Created2020-05
Description
In an era where college undergraduates are spending five dollars on a cup of coffee and ten dollars on avocado toast, now seems like an appropriate time to reevaluate these questions:
• Are current college undergraduates interested in the idea of saving for retirement?
• Do they have realistic expectations about how much money they need to save in order to live comfortably during retirement?
• Are there differences in expectations between people who are interested in saving for retirement using traditional means and people who are interested in saving for retirement using the extreme-saving FIRE (Financial Independence Retire Early) method?
This paper examines students’ interest in the idea of saving for retirement through a series of lenses: demographics, financial retirement literacy, and expressed commitment to save for retirement. I hypothesized that traditional retirement expected savers and FIRE expected savers, who correctly answer financial retirement literacy questions, are realistic about how much money they will need to save in order to live comfortably during retirement. To investigate this, a survey was sent out to two ASU Tempe campus business classes; 171 completed responses were analyzed. The statistical analysis of the unfiltered survey results showed three findings, but one finding stood out the most: Students who know what a 401k is (Question 5 in Exhibit 1) are significantly more likely to plan on saving for retirement, when compared to students who don’t know what a 401k is.
When filtering survey results to only show responses from students who know what a 401k is, median responses show that traditional retirement expected savers are somewhat realistic with their retirement savings expectations, while FIRE expected savers are not realistic with their retirement savings expectations.
• Are current college undergraduates interested in the idea of saving for retirement?
• Do they have realistic expectations about how much money they need to save in order to live comfortably during retirement?
• Are there differences in expectations between people who are interested in saving for retirement using traditional means and people who are interested in saving for retirement using the extreme-saving FIRE (Financial Independence Retire Early) method?
This paper examines students’ interest in the idea of saving for retirement through a series of lenses: demographics, financial retirement literacy, and expressed commitment to save for retirement. I hypothesized that traditional retirement expected savers and FIRE expected savers, who correctly answer financial retirement literacy questions, are realistic about how much money they will need to save in order to live comfortably during retirement. To investigate this, a survey was sent out to two ASU Tempe campus business classes; 171 completed responses were analyzed. The statistical analysis of the unfiltered survey results showed three findings, but one finding stood out the most: Students who know what a 401k is (Question 5 in Exhibit 1) are significantly more likely to plan on saving for retirement, when compared to students who don’t know what a 401k is.
When filtering survey results to only show responses from students who know what a 401k is, median responses show that traditional retirement expected savers are somewhat realistic with their retirement savings expectations, while FIRE expected savers are not realistic with their retirement savings expectations.
ContributorsDeSantangilo, Nicholas Charles (Author) / Radway, Debra (Thesis director) / Roberts, Nancy (Committee member) / Department of Finance (Contributor, Contributor) / Barrett, The Honors College (Contributor)
Created2020-05
Description
The goal of this paper is to research and document the unforeseen effects and casualties of California’s Assembly Bill Number 5 being implemented into law. This thesis researches the background before Assembly Bill Number 5 was created, what Assembly Bill Number 5 aims to achieve, how companies reacted to the introduction of the bill, how the targets of the bill were affected when it became law as well as how unforeseen victims were affected when it became law, and what may happen to California in the future because of this. The first part of my thesis includes the introduction to the topic, as well as the background of employee and contractor classification as well as previous legal battles that influenced the creation of Assembly Bill Number 5. The second part of my thesis looks into what the bill looks like and what it would mean for companies such as Uber and Lyft who would be intended to reclassify their independent contractors as employees. The third part of my thesis looks into the effects of the bill becoming law and it negatively effecting different industries that were not intended in the creation of the law. The fourth section of my thesis looks into what could possibly happen in the future of the bill, as this thesis is due in the middle of the legislation happening to combat its negative impact. The conclusion clarifies that while the bill was intended for gig economy giants such as Uber and Lyft, it consequently harms independent contractors from many different industries.
ContributorsThomson, Nicole Renee (Author) / Shields, Dr. David (Thesis director) / Aucejo, Dr. Esteban (Committee member) / Department of Finance (Contributor) / School of Accountancy (Contributor) / Barrett, The Honors College (Contributor)
Created2020-05