This paper explores the determinants of people’s decisions to take 401(k) loans. We argue that 401(k) plans do not simply represent retirement saving, but they also provide a means of saving for precautionary purposes. We model factors that rationally would induce people to borrow from their pension plans, and we explain why people do not often use 401(k) loans to replace their more expensive c...

Popular music streaming services like Spotify and Pandora are able to suggest songs to users based on a variety of factors. One of the major ones is the music’s genre. The aim of our project is to explore machine learning algorithms that can identify a song’s genre based on its metadata. This report outlines various research methods and discusses their performance. It provides an overview of ou...

Requirements Elicitation requires a data scientist to communicate with a customer. A typical result of a requirements elicitation process in Software Engineering is an SRS (System Requirements Specification) document. For Data Science projects, there may not be an explicit need for a formal written SRS. However, it may be benefitial to record observations made during the process, if without the...

Investors in 401(k) plans violate basic principles of diversification by holding a significant fraction of their savings in the form of their employers’ equity. This paper characterizes investors’ active changes to their company stock investment over time by analyzing new inflows and transfers. Investors seem to base active changes on salient information, paying attention to past returns, volat...

Background: The bacterial destructing activity toward pesticides has been the focus of research in last few decades. Hexachlorobenzene is included organochlorine group that are prohibited for use. However, large hexachlorobenzene amounts still concentrated soil, stressing relevance on hexachlorobenzene-destroying bacteria. Methods: ability to destroy by Comamonas testosteroni UCM B-400, B-401, ...

Abstract Acid mist inhibitor is an effective additive for suppressing the generation of acid during electrowinning process. However, traditional has a low current efficiency, leading to high energy consumption. Thus, novel inhibitors are crucial development industry. In this paper, three new (Famigo ® FS-101, Famigo FS-301, and FS-401) used in zinc process, while mechanism action characterized ...

BACKGROUND The present study aimed to direct detect Mycobacterium bovis in milk (n = 401) and blood (n = 401) samples collected from 401 dairy cows of 20 properties located in the state of Pernambuco, Brazil, by real-time quantitative PCR (qPCR) targeting the region of difference 4 (RD4). Risk factors possibly associated with bovine tuberculosis (BTB) were also evaluated. RESULTS Of the 802 s...

This paper presents a technique for creating a smooth, closed surface from a set of 2D contours, which have been extracted from a 3D scan. The technique interprets the pixels that make up the contours as points in ℝ(3) and employs Multi-level Partition of Unity (MPU) implicit models to create a surface that approximately fits to the 3D points. Since MPU implicit models additionally require surf...

VOLUME 16, NUMBER 4400 401 BUMC PROCEEDINGS 2003;16:401–404 Providing access to scholarly scientific, technical, and medical (STM) information is becoming an increasingly difficult challenge. Authors need to be aware of the barriers facing the timely and widespread distribution of their scientific findings. After all, the dissemination of their findings and their subsequent impact on society ar...