Nilufer Usmen, Ph.D.
	
			
Nilufer Usmen, Ph.D.
						
	Professor of Finance
	Montclair State University
	Economics and Finance
	one normal avenue
	Deapartment of Accounting and Finance
	Montclair, 
	NJ
	USA
	07043
	
	Papers:
	333 
	Finance 
	
	 
	Two state Markov model of the S&P 500 stock return distribution 
	
	Student: No
First Time Attendee: No




