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Financial skills and search in the mortgage market
Cota, Marta; Šterc, Ante
2024 - anglický
Are households with low financial skills disadvantaged in the mortgage market? Using stochastic record linking, we construct a unique U.S. dataset encompassing a rich set of mortgage details and borrowers’ characteristics, including their objective financial literacy measure. We find that households with low financial literacy are up to 4% more likely to search less and lock in at 15-20 b.p. higher rates. Upon origination, unskilled borrowers face a 35-45% higher mortgage delinquency and end up with a 30% lower likelihood of refinancing. Overall, for a $100,000 loan, the potential losses from low financial literacy are more than $9,329 over the mortgage duration. To understand how financial education, more accessible mortgages, or mortgage rate changes affect households with low financial literacy, we formulate and calibrate a mortgage search model with heterogeneous search frictions and endogenous financial skills. Our model estimates show that search intensity and financial skill variations contribute to 55% and 10% of mortgage rate variations, respectively. We find that i) more accessible mortgages lead to a higher delinquency risk among low-skilled households, ii) financial education mitigates the adverse effects of increased accessibility, and iii) low mortgage rates favor high-skilled homeowners and, by reinforcing refinancing activity, deepen consumption differences across different financial skill levels.
Klíčová slova:
mortgage refinancing; mortgage search; financial skills
Dokument je dostupný na externích webových stránkách.
Financial skills and search in the mortgage market
Are households with low financial skills disadvantaged in the mortgage market? Using stochastic record linking, we construct a unique U.S. dataset encompassing a rich set of mortgage details and ...
PROPERTIES OF NANOCRYSTALLINE FE-NI PARTICLES PREPARED BY THERMAL REDUCTION OF OXALATE PRECURSORS
Švábenská, Eva; Roupcová, Pavla; Havlíček, Lubomír; Schneeweiss, Oldřich
2024 - anglický
Recent technological advancements require development of cost-effective and high-performance magnets \nwhich ideally do not contain rare earth metals or noble metals. The promising candidates are Fe-Ni-based \nalloys, in particular, the Fe50Ni50 L10 phase (tetrataenite), which has a great perspective for producing hard \nmagnetic materials. Our study explores a promising method for preparing nanoparticles of Fe-Ni alloy from an \niron-nickel oxalate precursor. The coprecipitation method was employed to prepare oxalate precursors, \nfollowed by controlled thermal decomposition in a reducing hydrogen atmosphere. The morphology and \nproperties of the resulting particles were analysed using scanning electron microscopy (SEM) coupled with \nenergy dispersive X-ray spectroscopy (EDX), X-ray diffraction (XRD), Mössbauer spectroscopy (MS), and \nmagnetic measurements.\nThe SEM analysis revealed that the particles have approximately cube-shaped unit cell morphology with a\nsize in a range of 1 - 2 μm. Upon annealing, the samples contain multiple phases with varying Fe-Ni content.\nMagnetic measurements confirmed the formation of magnetically suitable Fe-Ni phases in the samples after \nannealing. Mössbauer spectroscopy emerged as a highly effective method for characterizing individual phases \nof the Fe-Ni system.
Klíčová slova:
Magnetic materials; thermal decomposition; Mössbauer spectroscopy
Plné texty jsou dostupné na jednotlivých ústavech Akademie věd ČR.
PROPERTIES OF NANOCRYSTALLINE FE-NI PARTICLES PREPARED BY THERMAL REDUCTION OF OXALATE PRECURSORS
Recent technological advancements require development of cost-effective and high-performance magnets \nwhich ideally do not contain rare earth metals or noble metals. The promising candidates are ...
Rizika reformy doktorského studia
Grosman, Jiří; Jurajda, Štěpán; Münich, Daniel
2024 - český
Systém financování doktorského studia v České republice je dlouhodobě neefektivní. Dokončovaná reforma má za cíl efektivitu systému výrazně zvýšit. V tomto krátkém textu upozorňujeme na potenciální problémy spojené s rozdělováním veřejné finanční podpory doktorského studia mezi vysoké školy. Problematické by bylo rozdělování podpory založené dominantně na míře úspěšného dokončování studií. Alokace veřejné podpory doktorského studia by vedle opodstatněných národních oborových priorit měla zohledňovat výsledky hodnocení kvality vědy na vysokých školách a úspěšnost v kariérním umisťování absolventů. The system of financing doctoral studies in the Czech Republic has long been inefficient. A reform currently underway aims to significantly increase the efficiency of the system. In this short text, we draw attention to potential problems associated with the distribution of public financial support for doctoral studies among universities. It would be problematic to distribute support based predominantly on degree completion rates. Allocation of public support for doctoral studies should take into account the results of evaluations of the quality of science produced by universities and their success in career placement of graduates, in addition to justifiable national disciplinary priorities.
Klíčová slova:
doctoral studies; public financial support; Czech Republic
Dokument je dostupný na externích webových stránkách.
Rizika reformy doktorského studia
Systém financování doktorského studia v České republice je dlouhodobě neefektivní. Dokončovaná reforma má za cíl efektivitu systému výrazně zvýšit. V tomto krátkém textu upozorňujeme na potenciální ...
Modification of cooling system for laboratory measurement of rotor blade vibration
Maturkanič, Dušan; Procházka, Pavel; Hodboď, Robert; Voronova, Evgeniya; Mekhalfia, Mohammed Lamine
2024 - anglický
Last year, the replacement of the turbine wheel model was completed in the Laboratory of Rotational Laser Vibrometry of the Institute of Thermomechanics AS CR, v.v.i. Based on previous experience and the expected higher operating load planned for the new wheel, the cooling system was modified at the same time. The paper describes the main effort in this direction and the results that clarify the previous damage of the measuring device.
Klíčová slova:
blade; vibration; cooling system; measurement; laboratory
Plné texty jsou dostupné na jednotlivých ústavech Akademie věd ČR.
Modification of cooling system for laboratory measurement of rotor blade vibration
Last year, the replacement of the turbine wheel model was completed in the Laboratory of Rotational Laser Vibrometry of the Institute of Thermomechanics AS CR, v.v.i. Based on previous experience and ...
DYNAMICS OF MACHINES AND MECHANICAL SYSTEMS WITH INTERACTIONS : PROCEEDINGS DYMAMESI 2024
Zolotarev, Igor; Pešek, Luděk; Kozień, M. S.
2024 - anglický
The aim of the DYMAMESI is to facilitate the exchange of up to date information and knowledge among specialists in structural and multibody dynamics, in coupled interacting systems as aero-elasticity, hydro-elasticity, biomechanics, systems with feedbacks and mechatronics. In 2023 will be hosted by Cracow University of Technology, Institute of Applied Mechanics, Section of Dynamics of Systems.
Klíčová slova:
dynamics; vibrations of mechanical systems; vibrodiagnostics; energy transformations
Plné texty jsou dostupné na jednotlivých ústavech Akademie věd ČR.
DYNAMICS OF MACHINES AND MECHANICAL SYSTEMS WITH INTERACTIONS : PROCEEDINGS DYMAMESI 2024
The aim of the DYMAMESI is to facilitate the exchange of up to date information and knowledge among specialists in structural and multibody dynamics, in coupled interacting systems as aero-elasticity, ...
Stochastic version of the arc-length method
Náprstek, Jiří; Fischer, Cyril
2024 - anglický
The solution of a nonlinear algebraic system using the incremental method, based on pre-defined loading steps, fails in the vicinity of local extrema as well as around bifurcation points. The solution involved the derivation of the so-called ’Arc-Length’ method. Its essence lies in not incrementing the system parameter or any of the independent variables but rather the length of the response curve. The stochastic variant of this method allows for working with a system where system parameters include random imperfections. This contribution presents a variant that tracks the first two stochastic moments. Even in this simple case, interesting phenomena can be observed, such as the disappearance of the energy barrier against equilibrium jump due to random imperfections in the system.
Klíčová slova:
random imperfection; stochastic arc-length method; continuation; numerical method
Plné texty jsou dostupné v digitálním repozitáři Akademie Věd.
Stochastic version of the arc-length method
The solution of a nonlinear algebraic system using the incremental method, based on pre-defined loading steps, fails in the vicinity of local extrema as well as around bifurcation points. The solution ...
Acoustic emission methods in steel bridge degradation identification and monitoring
Šorm, Filip
2024 - anglický
Acoustic emission methods proved to be an effective diagnostic tool in many industrial sectors. The potential of this method in the field of steel bridge diagnostics is explored in this article. The goal is to find the most effective use of this method.
Klíčová slova:
steel bridges; diagnostics; acoustic emission
Plné texty jsou dostupné v digitálním repozitáři Akademie Věd.
Acoustic emission methods in steel bridge degradation identification and monitoring
Acoustic emission methods proved to be an effective diagnostic tool in many industrial sectors. The potential of this method in the field of steel bridge diagnostics is explored in this article. The ...
Electrochemistry of Acetaminophen
Mikysek, T.; Ludvík, Jiří
2024 - anglický
The contribution is focused on electrochemical oxidation of acetaminophen mainly in non-aqueous media. The influence of various organic solvents as well as the pH effect is described herein. The redox properties of acetaminophen were studied by means of cyclic voltammetry, and rotating-disk voltammetry. We found that the protonation/deprotonation of acetaminophen acts as a ratedetermining step, where the stability of phenoxy radical intermediate plays an important role.
Klíčová slova:
acetaminophen; phenacetine; voltammetry
Plné texty jsou dostupné na vyžádání prostřednictvím repozitáře Akademie věd.
Electrochemistry of Acetaminophen
The contribution is focused on electrochemical oxidation of acetaminophen mainly in non-aqueous media. The influence of various organic solvents as well as the pH effect is described herein. The redox ...
Temoporfin-conjugated upconversion nanoparticles for NIR-induced photodynamic therapy of pancreatic cancer
Shapoval, Oleksandr; Větvička, D.; Kabešová, M.; Engstová, Hana; Horák, Daniel
2024 - anglický
Photodynamic therapy (PDT), a clinically approved cancer treatment strategy, has the potential to cure pancreatic cancer with minimal side effects. PDT primarily uses visible wavelengths to directly activate hydrophobic photosensitizers, which may be insufficient for deep-seated cancer cells in clinical practice due to poor penetration. Upconversion nanoparticles (UCNPs) serve as an indirect excitation source to activate photosensitizers (PSs) in the NIR region, overcoming the limitations of molecular PSs such as hydrophobicity, non-specificity, and excitation in the UV/Vis region. Here, monodisperse upconversion NaYF4:Yb3+, Er3+, Fe2+ nanoparticles (UCNPs) have been surface-engineered with poly(methyl vinyl ether-alt-maleic acid) (PMVEMA) and temoporfin (mTHPC), a clinically used PDT prodrug, for near-infrared (NIR) light-triggered PDT of pancreatic cancer. The incorporation of Fe2+ ions into the particles increased the fluorescence intensity in the red region matching the activation wavelength of mTHPC. Covalent binding of mTHPC to the surface of UCNP@PMVEMA particles provided colloidally stable conjugates enabling generation of singlet oxygen. In vitro cytotoxicity and photodynamic activity of the particles were evaluated using INS-1E rat insulinoma and Capan-2 and PANC-01 human pancreatic adenocarcinoma cell lines. The PDT efficacy of UCNP@PMVEMA-mTHPC conjugates after irradiation with 980 nm NIR light was tested in vivo in a pilot study on Capan-2 human pancreatic adenocarcinoma growing subcutaneously in athymic nude mice. The intratumoral administration of the nanoconjugates significantly hindered tumor growth and demonstrated promising PDT efficacy against human pancreatic cancer.
Klíčová slova:
photodynamic therapy; temoporfin; upconversion nanoparticles
Plné texty jsou dostupné v digitálním repozitáři Akademie Věd.
Temoporfin-conjugated upconversion nanoparticles for NIR-induced photodynamic therapy of pancreatic cancer
Photodynamic therapy (PDT), a clinically approved cancer treatment strategy, has the potential to cure pancreatic cancer with minimal side effects. PDT primarily uses visible wavelengths to directly ...
A New Approach to Determining the Drug Guaifenesin Using Voltammetric and Flow Injection Analysis
Kelíšková, P.; Matvieiev, O.; Sokolová, Romana; Janíková, L.; Behúl, M.; Šelešovská, R.
2024 - anglický
This study presents a new method for detecting guaifenesin (GFE) in pharmaceutical samples. We employed screen-printed sensors with a boron-doped diamond electrode (BDDE) to develop and validate both voltammetric and flow amperometric methods. These approaches were effectively used to analyze model solutions, pharmaceutical preparations, and serum samples spiked with GFE, producing accurate results comparable to those obtained with HPLC/DAD analysis. The developed methods provide straightforward, sensitive, and selective means for determining GFE in various sample matrices, underscoring the potential of SP/BDDE in electrochemical analysis.
Klíčová slova:
guaifenesin; screen-printed sensor; boron-doped diamond electrode
Plné texty jsou dostupné na vyžádání prostřednictvím repozitáře Akademie věd.
A New Approach to Determining the Drug Guaifenesin Using Voltammetric and Flow Injection Analysis
This study presents a new method for detecting guaifenesin (GFE) in pharmaceutical samples. We employed screen-printed sensors with a boron-doped diamond electrode (BDDE) to develop and validate both ...
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