Investigating Financial Literacy among Emiratis

Financial literacy is one of the key factors needed in making informed financial decisions. As businesses continue to be more profit driven, more financial and economic intrigues arise that continue to put individuals at the risk of spending more and more without considering the short term and long term effects. We conducted a study to assess financial literacy and financial decision making among Emiratis. Our results show that financial literacy is lacking among Emiratis. Also, almost half of respondents owe loans to other peoples and 1/5 of them have bank loans. We expect that the outcome of this research will be useful for designing educational programs and policies to promote financial planning and security among Emiratis. We also posit that deeper and more informed understanding of this problem is a precursor for developing effective financial education programs with the aim of improving financial decision- making among Emiratis.

A Study of Development to Take for the Enterprise of the Critical Success Factors in the Taiwan Szuchung Creek Hot Springs

The purpose of this study was to investigate the impact of the development of Szuchung Creek take for the cause of the critical success factors, This research is to use the depth interviews, document analysis and Modified-Delphi technique survey of nine depth interviews with experts and 14 experts of Modified-Delphi technique questionnaire and inviting as the research object, Szuchung Creek Hot Springs for the scope of the study. The results show, Szuchung Creek Hot Springs development take for career success factors for the following reasons: 1. Government. 2. Opportunities. 3. Factors of production. 4. Demand conditions. 5. Corporate structure and the degree of competition. 6. Related and supporting industries. Furthermore, Szuchung Creek hot springs, itself already has a number of critical success factors. Contingent less than or inadequacies by Szuchung Creek take for the enterprise development to take for the cause of the critical success factors as the basis for correcting, planning out for local use improvement strategies to achieve the objective of sustainable management.

Genetic Algorithm Based Wavelength Division Multiplexing Networks Planning

This paper presents a new heuristic algorithm useful for long-term planning of survivable WDM networks. A multi-period model is formulated that combines network topology design and capacity expansion. The ability to determine network expansion schedules of this type becomes increasingly important to the telecommunications industry and to its customers. The solution technique consists of a Genetic Algorithm that allows generating several network alternatives for each time period simultaneously and shortest-path techniques to deduce from these alternatives a least-cost network expansion plan over all time periods. The multi-period planning approach is illustrated on a realistic network example. Extensive simulations on a wide range of problem instances are carried out to assess the cost savings that can be expected by choosing a multi-period planning approach instead of an iterative network expansion design method.

Assamese Numeral Corpus for Speech Recognition using Cooperative ANN Architecture

Speech corpus is one of the major components in a Speech Processing System where one of the primary requirements is to recognize an input sample. The quality and details captured in speech corpus directly affects the precision of recognition. The current work proposes a platform for speech corpus generation using an adaptive LMS filter and LPC cepstrum, as a part of an ANN based Speech Recognition System which is exclusively designed to recognize isolated numerals of Assamese language- a major language in the North Eastern part of India. The work focuses on designing an optimal feature extraction block and a few ANN based cooperative architectures so that the performance of the Speech Recognition System can be improved.

Finite Element Study of a DfD Beam-Column Connection

Design for Disassembly (DfD) aims to reuse the structural components instead of demolition followed by recycling of the demolition debris. This concept preserves the invested embodied energy of materials, thus reducing inputs of new embodied energy during materials reprocessing or remanufacturing. Both analytical and experimental research on a proposed DfD beam-column connection for use in residential apartments is currently investigated at the National University of Singapore in collaboration with the Housing and Development Board of Singapore. The present study reports on the results of a numerical analysis of the proposed connection utilizing finite element analysis. The numerical model was calibrated and validated by comparison against experimental results. Results of a parametric study will also be presented and discussed.

Effect of Process Parameters on the Proximate Composition, Functional and Sensory Properties

Flour from Mucuna beans (Mucuna pruriens) were used in producing texturized meat analogue using a single screw extruder to monitor modifications on the proximate composition and the functional properties at high moisture level. Response surface methodology based on Box Behnken design at three levels of barrel temperature (110, 120, 130°C), screw speed (100,120,140rpm) and feed moisture (44, 47, 50%) were used in 17 runs. Regression models describing the effect of variables on the product responses were obtained. Descriptive profile analyses and consumer acceptability test were carried out on optimized flavoured extruded meat analogue. Responses were mostly affected by barrel temperature and moisture level and to a lesser extent by screw speed. Optimization results based on desirability concept indicated that a barrel temperature of 120.15°C, feed moisture of 47% and screw speed of 119.19 rpm would produce meat analogue of preferable proximate composition, functional and sensory properties which reveals consumers` likeness for the product.

Possible Utilization of Cigarette Butts in Light- Weight Fired Clay Bricks

Over a million tonnes of cigarette butts (CBs) are produced worldwide annually. These CBs accumulate in the environment due to the poor biodegradability of the cellulose acetate filters and pose a serious environmental risk. This paper presents some of the results from a continuing study on recycling CBs into fired clay bricks. Properties including compressive strength, flexural strength, density, water absorption and thermal conductivity of fired clay bricks are reported and discussed. Furthermore, leaching of heavy metals from the manufactured clay bricks was tested. The results show that the density of fired bricks was reduced by about 8 – 30 %, depending on the percentage of CBs incorporated into the raw materials. The compressive strength of bricks tested was 12.57, 5.22 and 3.00 MPa for 2.5, 5.0 and 10 % CB content respectively. Water absorption and initial rate of absorption values increased as density, and hence porosity, of bricks decreased with increasing CB volume. The leaching test results revealed trace amounts of heavy metals.

HIV Modelling - Parallel Implementation Strategies

We report on the development of a model to understand why the range of experience with respect to HIV infection is so diverse, especially with respect to the latency period. To investigate this, an agent-based approach is used to extract highlevel behaviour which cannot be described analytically from the set of interaction rules at the cellular level. A network of independent matrices mimics the chain of lymph nodes. Dealing with massively multi-agent systems requires major computational effort. However, parallelisation methods are a natural consequence and advantage of the multi-agent approach and, using the MPI library, are here implemented, tested and optimized. Our current focus is on the various implementations of the data transfer across the network. Three communications strategies are proposed and tested, showing that the most efficient approach is communication based on the natural lymph-network connectivity.

New Exact Three-Wave Solutions for the (2+1)-Dimensional Asymmetric Nizhnik-Novikov-Veselov System

New exact three-wave solutions including periodic two-solitary solutions and doubly periodic solitary solutions for the (2+1)-dimensional asymmetric Nizhnik-Novikov- Veselov (ANNV) system are obtained using Hirota's bilinear form and generalized three-wave type of ansatz approach. It is shown that the generalized three-wave method, with the help of symbolic computation, provides an e¤ective and powerful mathematical tool for solving high dimensional nonlinear evolution equations in mathematical physics.

The Role of Periodic Vortex Shedding in Heat Transfer Enhancement for Transient Pulsatile Flow Inside Wavy Channels

Periodic vortex shedding in pulsating flow inside wavy channel and the effect it has on heat transfer are studied using the finite volume method. A sinusoidally-varying component is superimposed on a uniform flow inside a sinusoidal wavy channel and the effects on the Nusselt number is analyzed. It was found that a unique optimum value of the pulsation frequency, represented by the Strouhal number, exists for Reynolds numbers ranging from 125 to 1000. Results suggest that the gain in heat transfer is related to the process of vortex formation, movement about the troughs of the wavy channel, and subsequent ejection/destruction through the converging section. Heat transfer is the highest when the frequencies of the pulsation and vortex formation approach being in-phase. Analysis of Strouhal number effect on Nu over a period of pulsation substantiates the proposed physical mechanism for enhancement. The effect of changing the amplitude of pulsation is also presented over a period of pulsation, showing a monotonic increase in heat transfer with increasing amplitude. The 60% increase in Nusselt number suggests that sinusoidal fluid pulsation can an effective method for enhancing heat transfer in laminar, wavy-channel flows.

Multiple Peaks Tracking Algorithm using Particle Swarm Optimization Incorporated with Artificial Neural Network

Due to the non-linear characteristics of photovoltaic (PV) array, PV systems typically are equipped with the capability of maximum power point tracking (MPPT) feature. Moreover, in the case of PV array under partially shaded conditions, hotspot problem will occur which could damage the PV cells. Partial shading causes multiple peaks in the P-V characteristic curves. This paper presents a hybrid algorithm of Particle Swarm Optimization (PSO) and Artificial Neural Network (ANN) MPPT algorithm for the detection of global peak among the multiple peaks in order to extract the true maximum energy from PV panel. The PV system consists of PV array, dc-dc boost converter controlled by the proposed MPPT algorithm and a resistive load. The system was simulated using MATLAB/Simulink package. The simulation results show that the proposed algorithm performs well to detect the true global peak power. The results of the simulations are analyzed and discussed.

A Dynamic Programming Model for Maintenance of Electric Distribution System

The paper presents dynamic programming based model as a planning tool for the maintenance of electric power systems. Every distribution component has an exponential age depending reliability function to model the fault risk. In the moment of time when the fault costs exceed the investment costs of the new component the reinvestment of the component should be made. However, in some cases the overhauling of the old component may be more economical than the reinvestment. The comparison between overhauling and reinvestment is made by optimisation process. The goal of the optimisation process is to find the cost minimising maintenance program for electric power distribution system.

A Force Measurement Evaluation Tool for Telerobotic Cutting Applications: Development of an Effective Characterization Platform

Sensorized instruments that accurately measure the interaction forces (between biological tissue and instrument endeffector) during surgical procedures offer surgeons a greater sense of immersion during minimally invasive robotic surgery. Although there is ongoing research into force measurement involving surgical graspers little corresponding effort has been carried out on the measurement of forces between scissor blades and tissue. This paper presents the design and development of a force measurement test apparatus, which will serve as a sensor characterization and evaluation platform. The primary aim of the experiments is to ascertain whether the system can differentiate between tissue samples with differing mechanical properties in a reliable, repeatable manner. Force-angular displacement curves highlight trends in the cutting process as well the forces generated along the blade during a cutting procedure. Future applications of the test equipment will involve the assessment of new direct force sensing technologies for telerobotic surgery.

A Mobile Multihop Relay Dynamic TDD Scheme for Cellular Networks

In this paper, we present an analytical framework for the evaluation of the uplink performance of multihop cellular networks based on dynamic time division duplex (TDD). New wireless broadband protocols, such as WiMAX, WiBro, and 3G-LTE apply TDD, and mobile communication protocols under standardization (e.g., IEEE802.16j) are investigating mobile multihop relay (MMR) as a future technology. In this paper a novel MMR TDD scheme is presented, where the dynamic range of the frame is shared to traffic resources of asymmetric nature and multihop relaying. The mobile communication channel interference model comprises of inner and co-channel interference (CCI). The performance analysis focuses on the uplink due to the fact that the effects of dynamic resource allocation show significant performance degradation only in the uplink compared to time division multiple access (TDMA) schemes due to CCI [1-3], where the downlink results to be the same or better.The analysis was based on the signal to interference power ratio (SIR) outage probability of dynamic TDD (D-TDD) and TDMA systems,which are the most widespread mobile communication multi-user control techniques. This paper presents the uplink SIR outage probability with multihop results and shows that the dynamic TDD scheme applying MMR can provide a performance improvement compared to single hop applications if executed properly.

Artificial Neural Networks Modeling in Water Resources Engineering: Infrastructure and Applications

The use of artificial neural network (ANN) modeling for prediction and forecasting variables in water resources engineering are being increasing rapidly. Infrastructural applications of ANN in terms of selection of inputs, architecture of networks, training algorithms, and selection of training parameters in different types of neural networks used in water resources engineering have been reported. ANN modeling conducted for water resources engineering variables (river sediment and discharge) published in high impact journals since 2002 to 2011 have been examined and presented in this review. ANN is a vigorous technique to develop immense relationship between the input and output variables, and able to extract complex behavior between the water resources variables such as river sediment and discharge. It can produce robust prediction results for many of the water resources engineering problems by appropriate learning from a set of examples. It is important to have a good understanding of the input and output variables from a statistical analysis of the data before network modeling, which can facilitate to design an efficient network. An appropriate training based ANN model is able to adopt the physical understanding between the variables and may generate more effective results than conventional prediction techniques.

Quantum Computing: A New Era of Computing

Nature conducts its action in a very private manner. To reveal these actions classical science has done a great effort. But classical science can experiment only with the things that can be seen with eyes. Beyond the scope of classical science quantum science works very well. It is based on some postulates like qubit, superposition of two states, entanglement, measurement and evolution of states that are briefly described in the present paper. One of the applications of quantum computing i.e. implementation of a novel quantum evolutionary algorithm(QEA) to automate the time tabling problem of Dayalbagh Educational Institute (Deemed University) is also presented in this paper. Making a good timetable is a scheduling problem. It is NP-hard, multi-constrained, complex and a combinatorial optimization problem. The solution of this problem cannot be obtained in polynomial time. The QEA uses genetic operators on the Q-bit as well as updating operator of quantum gate which is introduced as a variation operator to converge toward better solutions.

Numerical Simulation of Investment Casting of Gold Jewelry: Experiments and Validations

This paper proposes the numerical simulation of the investment casting of gold jewelry. It aims to study the behavior of fluid flow during mould filling and solidification and to optimize the process parameters, which lead to predict and control casting defects such as gas porosity and shrinkage porosity. A finite difference method, computer simulation software FLOW-3D was used to simulate the jewelry casting process. The simplified model was designed for both numerical simulation and real casting production. A set of sensor acquisitions were allocated on the different positions of the wax tree of the model to detect filling times, while a set of thermocouples were allocated to detect the temperature during casting and cooling. Those detected data were applied to validate the results of the numerical simulation to the results of the real casting. The resulting comparisons signify that the numerical simulation can be used as an effective tool in investment-casting-process optimization and casting-defect prediction.

Regional Analysis of Streamflow Drought: A Case Study for Southwestern Iran

Droughts are complex, natural hazards that, to a varying degree, affect some parts of the world every year. The range of drought impacts is related to drought occurring in different stages of the hydrological cycle and usually different types of droughts, such as meteorological, agricultural, hydrological, and socioeconomical are distinguished. Streamflow drought was analyzed by the method of truncation level (at 70% level) on daily discharges measured in 54 hydrometric stations in southwestern Iran. Frequency analysis was carried out for annual maximum series (AMS) of drought deficit volume and duration series. Some factors including physiographic, climatic, geologic, and vegetation cover were studied as influential factors in the regional analysis. According to the results of factor analysis, six most effective factors were identified as area, rainfall from December to February, the percent of area with Normalized Difference Vegetation Index (NDVI)

The Use of Information for Inventory Decision in the Healthcare Industry

In this study, we explore the use of information for inventory decision in the healthcare organization (HO). We consider the scenario when the HO can make use of the information collected from some correlated products to enhance its inventory planning. Motivated by our real world observations that HOs adopt RFID and bar-coding system for information collection purpose, we examine the effectiveness of these systems for inventory planning with Bayesian information updating. We derive the optimal ordering decision and study the issue of Pareto improvement in the supply chain. Our analysis demonstrates that RFID system will outperform the bar-coding system when the RFID system installation cost and the tag cost reduce to a level that is comparable with that of the barcoding system. We also show how an appropriately set wholesale pricing contract can achieve Pareto improvement in the HO supply chain.

A Broadcasting Strategy for Interactive Video-on-Demand Services

In this paper, we employ the approach of linear programming to propose a new interactive broadcast method. In our method, a film S is divided into n equal parts and broadcast via k channels. The user simultaneously downloads these segments from k channels into the user-s set-top-box (STB) and plays them in order. Our method assumes that the initial p segments will not have fast-forwarding capabilities. Every time the user wants to initiate d times fast-forwarding, according to our broadcasting strategy, the necessary segments already saved in the user-s STB or are just download on time for playing. The proposed broadcasting strategy not only allows the user to pause and rewind, but also to fast-forward.