Financial literacy education is a lifelong asset that every individual needs to function and fit well in modern-day society. It provides the financially savvy better decision making, best investment alternatives and family wellbeing. Unfortunately, most consumers especially in this part of our world appear relatively less active and less confident in participating meaningfully in the financial sector due to a lack of knowledge about the complex nature of financial products and services and indeed the risk that goes with them. As a contribution in addressing this problem, this study looked at financial literacy education and its implication on the economic and social life of the teacher in the Upper East Region of Ghana. With a descriptive survey design, 118 participants responded to questionnaires. Results showed low levels of financial literacy among participants which can negatively affect their daily financial management. It is therefore definite that the financially literate has the advantage to undertake prudent alternative investment decisions and is able to make informed retirement planning. Being financially illiterate adversely affects one’s life in relation to the culture of savings, expenditure pattern, investment decisions and budgeting skills, making the individual economically insecure. The study has policy frontier implications; policymakers in the financial sector, governments, non-governmental organisations and equity owners are encouraged to come to the aid of consumers, especially teachers, by way of introducing professional teacher development programmes specifically tailored at uplifting their financial literacy knowledge and skills.

Juabin matey

Long periods of free-movement Restrictions may negatively affect Cardio-Pulmonary fitness and health. As, the COVID-19 virus primarily affects Respiratory system, and also associated with cardiovascular disease, can induce the following complications like thrombosis, myocardities, Interstitial pulmonary fibrosis, diffuse alveolar damage and persistent decline in lung function, as the lung capacity decreases it may results in decrease in Cardio Pulmonary endurance. The Present study investigated changes after the COVID-19 confinement in total distance covered in 6 minutes by patients and correlation between 6 minutes walk test vs. oxygen saturation; Results suggest that the Mean ± SD of age is 43.4 ± 10.8years. Male: Female 1:0.5.Mean ± SD of total distance walked in 6 minutes by patients is 443.5 ± 55 compared with Hypothetical mean (normative value) is 571 ± 90.Correlation between Total distance walked in 6 minutes vs. oxygen saturation is r = 0.055.

Nagarjuna narayanasetti

The purpose of this study is to explore the belief of teacher educators about the relationship between teaching and research. Keeping in view the role of the teacher educators, a survey was done. The beliefs of teacher educators were explored with the help of an opinionaire. The collected data were analyzed through qualitative method of analysis. It was found that the secondary teacher educators were positive about the need of research with a little dilemma between teaching and research.

Rupal mankad

Improving the agricultural productivity is an imminent need to meet the food requirement of constantly growing population rate. It can be gracefully satisfied if the farming process is integrated through technologies such as big data and IoT. The integration of agricultural processes with modern technologies has emerged as the smart agriculture technology. This research work is focused on proving the suitability of the big data analytics for smart agricultural processes in terms of increasing production and quality of yields with less resources and overhead. This research paper expounds the extensive review carried out on the related works in smart agricultural farming, challenges in implementing the smart farming technologies at large scale, followed by the conceptual framework model for the effective implementation of big data together with IoT devices in smart farming.

Dr h shaheen

Background Worldwide, breast cancer (BC) is the most frequently discovered tumor in women. Breast self-examination (BSE) is a helpful screening method that gives women more control over their bodies by educating them about the structures of their breasts and assisting in the early detection of any developing breast abnormalities. The purpose of this research was to assess Palestinian girls' degree of BSE awareness and practice. Method A self-administered questionnaire was used to gauge participants' knowledge about BC and associated topics. Through an online survey, all girls above the age of 20 are encouraged to take part in the study. Female university students at academic levels I, II, III, and IV in Palestine were also invited to participate in the study by way of an online survey. Results The study included 467 female participants, with 69% of the individuals being single. The majority of females (68.7%) scored poorly on knowledge of BC disease (possible risk, methods of detection, methods of diagnosis, methods of treatment, signs and symptoms, information about mammography, and other knowledge questions), whereas only 31.7% scored well. Conclusion BC, which is thought to be the most common malignant development among them and the second leading cause of cancer mortality, is one of the issues that women in the West Bank face. Screening methods are crucial for the early detection of BC and for lowering disease-related morbidity and mortality. It has been advised that starting at age 20, every woman should take the BSE.

Mohamad banat

Blind Taste Test of Soft-drinks – A Comparison Study on Coke and PBrand equity is “The differential effect that brand knowledge has on consumer response to the marketing of that brand” (Keller-1993).Brand equity is the added value a product acquires as a result of past investments in the marketing activity for the brand.This marketing activity resides in the mind of customers and as a result customer shapes a perception about the brand, biggest challenge here is creating positive perceptions by ensuring that customers have right type of experiences with product so that both functional experiences as well as emotional experiences become associated with the product.Thus Brand perception is the imagewhich a brand creates in the mind of the customers due to the various associations linked with the brand. The simplest way tounderstand what brand equity is to understand the typical results of product sampling and comparison tests. One such test is blind taste test in which consumers sample a product without knowing the brand what they consume and consuming the same product knowing brand i.e., open test. When consumers report different opinions about branded and unbranded versions of identical products, it must be the case that knowledge about the brand has changed their perceptions. Thus, consumers’ perceptions of product performance are highly dependent on their impressions of the brand that goes along with it Pepsi

N ramanjaneyalu

The rate of oxygen consumption was measured in mercury chloride treated freshwater fish, cyprinus carpio for 96h and compared to control group. The present investigation showed that average oxygen rate was decreased in all treated animal as compared to controlled group. Behavioural changes was also recorded in both concentration. The behavioural alterations observed like surfacing, erratic movement, increased mucous secretion, decreased opercular movement and loss of balance. The present study revealed that, mortality rate increased with increases in concentration.

.vijay digambar suryawanshi

Fueled by the recent advancements in pervasive environment, affluent context aware systems is among the rousing in computing today, including embedded environment, different wireless network technology, electronic communication and so on. Context-Aware Collaborative Filtering using Genetic Algorithm approach resulted in an improved mobile business model by determining optimal similarities between contexts. In this work, we plan to devise a hybrid framework called Multi-distribution Perceptron and Hidden Markov Model to smoothen the mobile networks with different degrees of context- confidence. Initially, Multi-distribution Layer Perceptron Model is designed aiming at improving the precision rate with the aid of Multi-distribution Bayesian Posterior measure. Experimental analysis shows that the M-PHMM framework is able to reduce the computational complexity for obtaining user patterns by 26.05% and improve the precision rate by 18.90% compared to the state-of-the- art works.

Dr h shaheen

Nilai-nilai Nasionalisme yang diterapkan peserta didik dalam kegiatan pembelajaran di Madrasah Ibtidaiyah Maarif Condro Jember seringkali terkesan dikesampingkan. Hal ini dilihat dari kurangnya kesadaran peserta didik terhadap nilai moral dan Nasionalisme, seperti tidak mentaati peraturan sekolah, tidak menghargai teman, membolos, tidak mampu menghafal sila pancasila serta lagu Indonesia raya. Masih dijumpai peserta didik berperilaku dan bersikap belum baik atau masih rendah terhadap nilai-nilai nasionalisme. Penelitian ini bertujuan untuk mendeskripsikan: 1) Strategi internalisasi nilai nasionalisme pada pembelajaran PPKN di Madrasah Ibtidaiyah Maarif Condro Jember. 2) Penerapan nilai karakter nasionalisme yang dilakukan pada pembelajaran PPKN di Madrasah Ibtidaiyah Maarif Condro Jember. Hasil penelitian menunjukkan bahwa: 1) Strategi internalisasi nilai-nilai nasionalisme dalam pembelajaran PPKN ini adalah mamasukkan nilai-nilai nasionalisme dalam pembelajaran PPKN melalui pendekatan-pendekatan yang mampu diterima oleh peserta didik agar peserta didik bisa menjadi warga negara yang baik dan bisa memberikan kontribusi dalam memajukan bangsanya dimasa depan. 2) Penerapan nilai karakter nasionalisme dalam pembelajaran PPKN melalui mediator keteladanan guru dan kegiatan praktik langsung melalui pengalaman belajar seperti model pembelajaran, metode pembelajaran, bahan ajar, dan evaluasi pembelajaran. Perilaku berkarakter nasionalis yang diaktualisasikan dalam kehidupan sehari-hari di sekolah oleh siswa yaitu disiplin, cinta tanah air, semangat kebangsaan, cinta damai, peduli lingkungan, menghargai prestasi, dan toleransi.

Educare: journal of primary education

With the emergence of HR Analytics in organizations; gathering, interpreting, and measuring of HR data has become easy. HR Analytics act as a tool which is a combination of statistical techniques that enable collection, interpretation, measurement, and forecasting of data. HR analytics enlightens solution to the organizational problems and make accurate decisions. HR analytics hence aligns HR strategy with overall business strategy to obtain a competitive advantage. HR analytics has passed through phases of measuring the Sub HR functions. HR Analytics provides various opportunities to business as it forecasts workforce requirements, enables HR to achieve corporate goals, and improve organizational performance which helps businesses in finding success. Despite the success, the business faces some big challenges like data governance, skill gap among employees, top management support, and many other such challenges in implementing and using the HR Analytics tool in business. Various research scholars have discussed HR analytics from so many years. So many papers have come focusing on the conceptual part of HR analytics, past present and future scenario of HR analytics, acceptance of HR analytics in organizations, the extent of its utility, rise of HR analytics, and various other related studies. This paper aims to find out the challenges and opportunities faced by the business firm in implementing HR analytics as a tool in organizations. This study also gives the theoretical concept of HR analytics based on secondary data collected from previous research papers, journal of the year 2016- 2019 given by various research scholars, blogs, and websites that provide HR analytics recent data. The study will provide the pros and cons of implementing and using HR analytics.

Mamta gaur

Working memory (WM) is a critical component of many neurocognitive functions. The literature has demonstrated consistently that WM impairment is more frequent and severe among substance-dependent individuals (SDIs) infected with HIV compared with uninfected SDIs; however, the SDIs who participated in these previous studies were primarily male. There are few published data on WM performance among HIV+ women with or without substance use disorders, and essentially no direct comparisons of WM performance between HIV+ men and women, regardless of substance use. We investigated potential sex and serostatus effects on WM among a sample of 360 SDIs (114 with HIV; 66% female) verified abstinent from alcohol and drugs of abuse at testing and generally comparable on substance use and comorbid characteristics. Participants were tested with the n-back task, a well-established WM measure that is sensitive to HIV-associated cognitive impairment. HIV+ men and women performed spatial and verbal versions of the n-back significantly less accurately compared with HIV− participants. Women showed slower response times compared with men on both versions, regardless of HIV serostatus. Individuals dependent on cocaine showed faster RTs compared with non-dependent users, but this effect was not apparent among opioid- or alcohol-dependent groups. Findings on n-back accuracy are consistent with our previous proposal that WM impairment represents a signature deficit among HIV+ SDIs; however, WM impairment appears less common among HIV+ women without a substance use history. The pattern of sex differences in response speed but serostatus effects on response accuracy is comparable to a recent report by our group of sex differences in learning speed but serostatus effects on delayed recall.

Ben spielberg

As we aware diabetes is not only one kind of symptomatic disease but its occurrence spread through the various metabolic channels and hence raises other disorders. The prolonged symptoms of diabetes also cause the complications of eyesight, Night blindness, kidney failure, and other autoimmuno dysfunction including sexual dysfunction. In those symptomatic diseases various drugs are used to treat the diabetes such as biosimilar therapy including use of insulin and insulin analogues, oral hypoglycaemic agents and various other complementary medicines. As herbal remedies i.e. M charantia Linn. (Bitter Gourd) are commonly known as fruit vegetables. The Leaves, Seeds, Roots, Fruits and the stem part of the plants are medicinally used in different diseases. It is most effectively used to treat the acidic condition of gastrointestinal tract. M.charantia is also called the oxygen radical scavenger, which takes part into metabolic pathway. Due to the oxygen radical scavenging activity of GSH it directly expedites the ROS neutralization and the repair of ROS-induced damage which is important to neutralize the acidic condition of gastrointestinal tract.The present investigation was carried out to study the characterization of present antidiabetic compound having different solvent extract of M.charantia in various solvent system. The overall conclusion suggested that the extracted compound shows the antidiabetic and diuretic properties. The total unknown protein concentration was 21.01 µg/mL which is similar with standard antidiabetic drug and the slope consists of 0.0314 with the line of intercept 0.081, which has been elaborated in results and conclusion.

Dr. wahul umesh b

The study examined psychological predictors and mediators of teacher subjective well-being. Participants included 174 teachers from urban middle and highschools. The first objective was to explore the psychological correlates of the teacher SWB: self-esteem, general self-efficacy (core self-evaluation), teacher self-efficacy, optimism (cognitive trait related to the psychological well-being), and perceived social support (psychosocial trait related to the psychological wellbeing. The second objective was to investigate the mediating role of self-efficacy in the association between optimism and subjective well-being. The third objective was to explore the mediating role of teacher self-efficacy in the relation between perceived social support and teacher subjective well-being. Correlation, linear regression and mediation model analyses through the Sobel test were computed. Results confirmed the research assumptions. The findings of this study enhance the understanding of personal factors associated with teacher subjective wellbeing. The constructs linked to subjective well-being (predictors and mediators) could be target of school psychologists’ interventions, in order to have more engaged and performing teachers in schools. The findings were discussed in the context of designing the interventions for enhancement of the subjective wellbeing among teachers.

Elena stănculescu

Dietary fatty acid composition in broiler influences carcass quality by altering fat deposition and fatty acid profile. Thus, the study was carried out to evaluate the effect of incorporation of rapeseed oil in broiler ration on omega-3 fatty acid concentration of carcass and its traits in broiler chicken. A total of 160 day-old straight run broilers (Vencobb 400) were randomly divided into four treatment groups (G1, G2, G3 and G4) having four replicates of ten chicks each. The basal diets (G1) were prepared to meet BIS (2007) nutrient requirements with palm oil at 1.5, 3, and 4.5 per cent in pre-starter, starter and finisher diets, respectively. The experimental diets were broiler rations prepared with rapeseed oil replacing 25, 50 and 100 per cent of palm oil in G2, G3 and G4 diets, respectively. The diets were fed ad libitum till 6 weeks of age. Six birds from each group were randomly selected and slaughtered on 42nd day to study omega-3 fatty acid concentration of carcass and its characteristics. The crude fat content of breast and thigh muscle was significantly (P<0.05) reduced in the group fed rapeseed oil included diets. However, carcass yield, processing yield and meat to bone ratio of cut up parts was not significantly affected. The colour and pH of breast and thigh muscles were similar among the treatment groups. Omega- 3 fatty acid concentration was significantly (P<0.01) increased in both breast and thigh muscle of G4 group broilers compared to G1 group. Thus, rapeseed oil inclusion in diet significantly increased omega-3 fatty acid concentration and significantly reduced crude fat concentration breast and thigh muscles with no effect on the carcass yield and its quality when included in the diet replacing palm oil at different proportion

Senthil murugan

The phrase, "The world is ageing, but India has youth on her side," has been a soothing phrase. The average age of the Indian population will be 29 at the conclusion of this decade. As a result of this "demographic dividend," India is expected to account for a quarter of the world's additional increase in working population by 2040. There are 430 million people in our current workforce (ages 15 to 64). India will add 480 million people to its current workforce of 430 million in the next 20 years. Education is the most important tool for converting this demographic dividend into a sustainable economic resource and unlocking human capital's hidden potential. The suggested article attempts to identify gaps and loopholes in the education system utilising the basics of the Capability Approach as a comprehensive mechanism of evaluation and strategies to solve the aforementioned problems, allowing us to take advantage of our country's large demographic dividend.

Dr. amarjeet singh

The samples of K1-xNaxNbO3 (X=0.4, 0.2, 0) ceramics (PSN) have been prepared by the conventional solid state reaction method and sintering process. The prepared samples have been characterized by XRD. All the prepared samples show orthorhombic structure at room temperature. Dielectric and Electrical properties of PSN system have been investigated in the temperature range 450C-2450C, and at 1MHz frequency. It is observed that dielectric constant, loss tangent and electrical conductivity increases with increasing temperature. Near the transition temperature dielectric constant, loss tangent and electrical conductivity of these samples show anomalous behaviour with temperature.

Manish uniyal

Datura arborea Linn is a sacred plant known for over 3000 years to have been used for magical and curative purposes. It was shown to have a central nervous system depressant effect. The active substances identified were tropane alkaloids: atropine, scopolamine, and hyosine. Therefore, we aimed to find out whether the ethanol extract of Datura arborea Linn has sedative and hypnotic activity. The extract was subjected to a thiopental sodium-induced sleep test and diazepam was used as a standard drug. The plant possesses sedative-hypnotic qualities, the findings indicate that doses of 35 mg/kg (2.70.24 min), 70 mg/kg (3.80.19 min), and 140 mg/kg (4.30.20 min) decreased the control's (9.2 min) latency to fall asleep. In comparison to the control, the length of sleep was increased by 23.46 minutes for 35 mg/kg (99.002.99 min), 70 mg/kg (132.605.53 min), and 140 mg/kg (118.606.04 min), respectively. The present study established the acute toxicity of Datura arborea Linn to be less than 600 mg/kg in mice. This study indicated that the ethanol extract of Datura arborea Linn has a sedative-hypnotic activity in the diazepam-induced sleep test. It is safe to suggest that the extract acts via either β-receptor by causing hyperpolarization or a decrease in spike activity in the cell, leading to relaxation, but these effects were not blocked by β-antagonist or α2-receptor to decrease acetylcholine release, leading to relaxation of the smooth muscle.

Mediterranean journal of pharmacy and pharmaceutical sciences

This study was conducted to proposea hierarchical temporal memory (HTM) approach for fault detection in the Onitsha-Alaoji transmission line in Nigeria. Using a mixed research method, the study employed the Hawkins HTM model with two objectives and their corresponding research questions. The study gathered primary and secondary data to detect and evaluate faults in the Onitsha-Alaoji transmission line in Nigeria using HTM and compares its efficacy to current fault detection methods. With the use of simulation and descriptive methods of data analysis, results showed that partial discharge (PD) is the fault type that is being detected and it is commonly found as a fault leading to transmission line errors. More so, fault detection simulations were conducted at 40 km using typical power spectral density analysis. The first fundamental shifted from about 10 kHz to roughly 13 kHz during a fault. The HTM model outperformed sequence learning methods, resulting in a 90% mean test classification accuracy (CA) over extreme learning machine(ELM) and online sequential learning–extreme learning machine (OS-ELM), with OS-ELM performing poorly.The study concluded and recommended that the proposed HTM model be used to identify various PD fault types that plague the Onitsha-Alaoji transmission line in Nigeria. With the increased efficacy and reliability of the proposed model compared to existing methods, it is recommended for future implementation in this transmission line and potentially other fault-prone power transmission lines in Nigeria.

Fxintegrity publishing

X-ray crystallography has been central to the development of many fields of science over the past century. It has now matured to a point that as long as good-quality crystals are available, their atomic structure can be routinely determined in three dimensions. However, many samples in physics, chemistry, materials science, nanoscience, geology, and biology are noncrystalline, and thus their three-dimensional structures are not accessible by traditional x-ray crystallography. Overcoming this hurdle has required the development of new coherent imaging methods to harness new coherent x-ray light sources. Here we review the revolutionary advances that are transforming x-ray sources and imaging in the 21st century.

Nima fahimian, md

Improper use of medicines may carry possible health dangers and more evidence continues to stand that adverse drug reactions to medicines are common but often preventable. Self-medication phenomena with over the counter medicines is common among people. It is regarded as essential issue of self-care. Over the counter medicines use such as analgesics among children and adolescents is continuously increasing in Libya. This constitutes an important public health concern. The aim of this study is to focus on adolescent's self-medication phenomena about the over the counter medicines that teens frequently used to treat minor and serious diseases. This work collected information throughout survey-comprised number of questions for the teenagers bought medicines from private pharmacies at two different secondary schools in Benghazi city, Libya, without prescription. The sample size was 120 students, 58 males and 62 females in age range of 15-18 years. Data collected from questionnaire were analyzed for pattern of medicine use. Male adolescents bought toothache and muscle-spasm medicines more frequently than female adolescents. On the other hand, female adolescents administered more over the counter medications monthly than males. The use of over the counter medicines has been found highly rated and exaggerated among secondary school teenagers. In conclusion, adolescents have to be educated regarding over the counter medicine use in Libya. The need for promoting the appropriate use of medicines healthcare system is an important issue. This can be achieved through an educational strategy involved different public sectors such as health and education authorities.

Mediterranean journal of pharmacy and pharmaceutical sciences