31 CFR 363.101 - Can an account owner transfer a book-entry savings bond to a minor?

Science.gov (United States)

2010-07-01

... REGULATIONS GOVERNING SECURITIES HELD IN TREASURYDIRECT Book-Entry Savings Bonds Purchased Through TreasuryDirect Gifts § 363.101 Can an account owner transfer a book-entry savings bond to a minor? An account owner can transfer a book-entry savings bond held in TreasuryDirect ® to a minor as a gift or pursuant...

Poor Families Striving to Save in Matched Children’s Savings Accounts: Findings from a Randomized Experimental Design in Uganda

Science.gov (United States)

Karimli, Leyla; Ssewamala, Fred M.; Neilands, Torsten B.

2014-01-01

This study examines participants’ savings in children’s savings accounts (CSAs) set up for AIDS-orphaned children ages 10–15 in Uganda. Using a cluster randomized experimental design, we examine the extent to which families participating in a CSA program report more savings than their counterparts not participating in the program, explore the extent to which families who participate in the CSA program report using formal financial institutions compared with families who do not have a CSA, and consider whether families participating in the CSA program bring new money into the CSA or whether they reshuffle existing household assets. We find that participating in a CSA increased families’ likelihood to report having saved money. However, our results show no intervention effect either on the amount of self-reported savings or on the likelihood of using formal financial institutions. Further research is needed to understand whether use of a CSA helps families generate new wealth. PMID:25525282

17 CFR 300.101 - Individual accounts.

Science.gov (United States)

2010-04-01

... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Individual accounts. 300.101... Customers of Sipc Members § 300.101 Individual accounts. (a) Except as otherwise provided in these rules... deemed his individual accounts, shall be combined so as to constitute a single account of a separate...

Listening to the vocal citizens: how do politically active individuals choose between life saving programs?

Energy Technology Data Exchange (ETDEWEB)

Ramsberg, J. [Stockholm School of Economics, Stockholm (Sweden)

1998-07-01

Large disparities in the cost per life saved for different life saving interventions have been reported in many studies. According to some researchers, these differences reflect the public's preoccupation with selected qualitative aspects of risk. However, it is not obvious that these disparities reflect public preferences. In studies of the variation in cost per life saved the public accept, most respondents are willing to trade qualitative characteristics for lives saved, but there is a small but significant group of respondents who will not make the tradeoff, i.e. assign infinite value to one or more of the qualitative factors. It has been suggested that this group could be particularly vocal, which might account for the large variation in cost per life saved. In the first attempt to address this issue, a survey of people living under a power line in Stockholm was undertaken. This population was chosen because the local government had decided to remove the power line after being pressured by the citizens and on interest group. Tests of how more politically active individuals differ from less active were undertaken. Most importantly, it was found that more politically active respondents were less likely to trade qualitative characteristics for lives saved, but only for the risk in which they were active and only up to a point. There still was a group of respondents who were unwilling to make the tradeoff. (author)

25 CFR 115.101 - Individual accounts.

Science.gov (United States)

2010-04-01

... 25 Indians 1 2010-04-01 2010-04-01 false Individual accounts. 115.101 Section 115.101 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR FINANCIAL ACTIVITIES TRUST FUNDS FOR TRIBES AND INDIVIDUAL INDIANS IIM Accounts § 115.101 Individual accounts. Except as otherwise provided in this part...

Household portfolio allocation in the Netherlands : Saving accounts versus stocks and bonds

NARCIS (Netherlands)

Hochgürtel, S.; Alessie, R.J.M.; van Soest, A.H.O.

1995-01-01

This paper analyzes the portfolio structure of households in the Netherlands. It considers the allocation of financial wealth to two major asset categories, namely saving accounts on the one hand and stocks and bonds on the other hand. The latter category is considered to be more risky than the

Measuring industrial energy savings

International Nuclear Information System (INIS)

Kelly Kissock, J.; Eger, Carl

2008-01-01

Accurate measurement of energy savings from industrial energy efficiency projects can reduce uncertainty about the efficacy of the projects, guide the selection of future projects, improve future estimates of expected savings, promote financing of energy efficiency projects through shared-savings agreements, and improve utilization of capital resources. Many efforts to measure industrial energy savings, or simply track progress toward efficiency goals, have had difficulty incorporating changing weather and production, which are frequently major drivers of plant energy use. This paper presents a general method for measuring plant-wide industrial energy savings that takes into account changing weather and production between the pre and post-retrofit periods. In addition, the method can disaggregate savings into components, which provides additional resolution for understanding the effectiveness of individual projects when several projects are implemented together. The method uses multivariable piece-wise regression models to characterize baseline energy use, and disaggregates savings by taking the total derivative of the energy use equation. Although the method incorporates search techniques, multi-variable least-squares regression and calculus, it is easily implemented using data analysis software, and can use readily available temperature, production and utility billing data. This is important, since more complicated methods may be too complex for widespread use. The method is demonstrated using case studies of actual energy assessments. The case studies demonstrate the importance of adjusting for weather and production between the pre- and post-retrofit periods, how plant-wide savings can be disaggregated to evaluate the effectiveness of individual retrofits, how the method can identify the time-dependence of savings, and limitations of engineering models when used to estimate future savings

Your accounts. Saving, investment, and mortgages after the budget.

Science.gov (United States)

Hepburn, P F

1984-06-01

The budget has caused a number of problems for the personal taxpayer, the investor, and the prospective mortgagee. Some accepted principles affecting decisions in any of these three areas may now have to be redefined. To reap the maximum from one's savings, doctors are now likely to dispense with their natural financial caution and invest in a more speculative manner than before. They should now be coerced into relying more heavily on stock brokers, accountants, and other financial experts. Under the present climate, those who remain conservative will undoubtedly miss out on an enormous amount of potential and, in the long run, suffer the consequences.

Ideas for Refining Children's Savings Account Proposals. Creating a Financial Stake in College: Report IV of IV

Science.gov (United States)

Elliott, William, III

2012-01-01

"Creating a Financial Stake in College" is a four-part series of reports that focuses on the relationship between children's savings and improving college success. This series examines: (1) why policymakers should care about savings, (2) the relationship between inequality and bank account ownership, (3) the connections between savings…

Individual social security accounts: issues in assessing administrative feasibility and costs.

Science.gov (United States)

Olsen, K A; Salisbury, D L

1998-11-01

Whether to add individual accounts (IAs) to the Social Security system is a highly political issue. But almost lost in the debate so far have been any practical considerations about how to administer such accounts. Any discussion of whether to create individual accounts must also address the basic but critical questions of how they would work: Who would run them? What would they cost? Logistically, are they even possible? This EBRI Issue Brief provides an overview of the most salient administrative issues facing the current Social Security reform debate--issues that challenge proponents to carefully think through how their proposals could be implemented so as to achieve their policy goals. The options and difficulties in administering IAs raise concerns that cut across ideology. The object of this report is neither to dissuade the advocates nor support the critics of individual accounts. Rather, it is to bring practical considerations to a political debate that has largely ignored the pragmatic challenges of whether IAs would be too complex for participants to understand or too difficult for record keepers to administer. The major findings in this analysis include: Adding individual accounts to Social Security could be the largest undertaking in the history of the U.S. financial market, and no system to date has the capacity to administer such a system. The number of workers currently covered by Social Security--the largest single entitlement program in the nation--is at least four times higher than the combined number of all tax-favored employment-based retirement accounts in the United States, which are administered by hundreds of entities. Direct comparisons between employment-based retirement savings plans and Social Security reform are tenuous at best. Social Security covers workers and businesses that are disproportionately excluded from employment-based plans. Because of these differences, a system of individual Social Security accounts would be more

Pre-Class Planning for Individualized Accounting

Science.gov (United States)

Clayton, Dean; Brooke, Joyce Ann

1974-01-01

Pre-class planning of individualized accounting is involved with goals, objectives, and activities developed and selected by the teacher in providing compatibility between accounting content and teaching strategy. A systematic arrangement of activities should be developed so that students can understand and apply accounting principles at their own…

Pathways to Higher Education for Native Hawaiian Individual Development Account Participants

Directory of Open Access Journals (Sweden)

David W. Rothwell

2013-11-01

Full Text Available As the cost of higher education rises, a growing body of theory and research suggests that asset holding in the form of savings and net worth positively influence education expectations and outcomes. Native Hawaiians, like other Indigenous peoples, have disproportionately low college enrollment and graduation rates tied to a history of colonization. Using data from an Individual Development Account (IDA program for Native Hawaiians, I examine the trajectories through the program and find: (a welfare receipt and unemployment reduces the chances of IDA enrollment; (b net worth increases the probability of IDA graduation; and (c IDA graduates were more likely to gain a college degree over time compared to non-graduates. The study provides empirical evidence to the debate on asset-based interventions for Indigenous peoples.

Building social and economic capital: the family and medical savings accounts.

Science.gov (United States)

Cherry, Mark J

2012-12-01

Despite the well-documented social, economic, and adaptive advantages for young children, adolescents, and adults, the traditional family in the West is in decline. A growing percentage of men and women choose not to be bound by the traditional moral and social expectations of marriage and family life. Adults are much more likely than in the past to live as sexually active singles, with a concomitant increase in forms of social isolation as well as in the number of children born outside of marriage. These social shifts are also connected to public policies that provide incentives for individuals to exit the family, leaving behind its social, capital, and economic resources. The individualistic character of the social-democratic egalitarian ideology that underlies the current dominant approaches to health care financing in Western Europe and much of North America, for example, is associated with a decline in family stability. Welfare entitlements, including state-based health care, have made it easier to exit the family, undermining the centrality of the family's core human relationships. This essay argues for the importance of recognizing the cardinal role and reality of the family and for the importance of family-based health care savings accounts for preserving family integrity, while also providing for sustainable long-term health care reform.

Saving in cycles: how to get people to save more money.

Science.gov (United States)

Tam, Leona; Dholakia, Utpal

2014-02-01

Low personal savings rates are an important social issue in the United States. We propose and test one particular method to get people to save more money that is based on the cyclical time orientation. In contrast to conventional, popular methods that encourage individuals to ignore past mistakes, focus on the future, and set goals to save money, our proposed method frames the savings task in cyclical terms, emphasizing the present. Across the studies, individuals who used our proposed cyclical savings method, compared with individuals who used a linear savings method, provided an average of 74% higher savings estimates and saved an average of 78% more money. We also found that the cyclical savings method was more efficacious because it increased implementation planning and lowered future optimism regarding saving money.

REMINDER: Saved Leave Scheme (SLS)

CERN Multimedia

2003-01-01

Transfer of leave to saved leave accounts Under the provisions of the voluntary saved leave scheme (SLS), a maximum total of 10 days'* annual and compensatory leave (excluding saved leave accumulated in accordance with the provisions of Administrative Circular No 22B) can be transferred to the saved leave account at the end of the leave year (30 September). We remind you that unused leave of all those taking part in the saved leave scheme at the closure of the leave year accounts is transferred automatically to the saved leave account on that date. Therefore, staff members have no administrative steps to take. In addition, the transfer, which eliminates the risk of omitting to request leave transfers and rules out calculation errors in transfer requests, will be clearly shown in the list of leave transactions that can be consulted in EDH from October 2003 onwards. Furthermore, this automatic leave transfer optimizes staff members' chances of benefiting from a saved leave bonus provided that they ar...

Age differences in IDA savings outcomes: findings from the American Dream Demonstration.

Science.gov (United States)

Putnam, Michelle; Sherraden, Michael; Zhang, Lin; Morrow-Howell, Nancy

2008-01-01

This study aims to develop a greater understanding of age differences in savings outcomes within Individual Development Accounts (IDAs). Participant data from the American Dream Demonstration (ADD) are examined for age differences in accumulated net deposits, average monthly net deposits, and deposit frequency. ADDprogram data are examined for savings match rates, monthly savings targets, direct deposit, and hours of financial education offered. Results indicate that, on average, older IDA participants have better savings outcomes than younger participants. Findings from this study suggest that impoverished middleaged and older adults can save if provided an opportunity and incentives. However, success will depend on the characteristics of the programs.

Individual Learning Accounts: Honourable Intentions, Ignoble Utility?

Science.gov (United States)

Thursfield, Denise; Smith, Vikki; Holden, Rick; Hamblett, John

2002-01-01

Evaluation of the implementation of Individual Learning Accounts in Britain revealed five themes that may explain the program's lack of success: individualistic approach to adult education, conflict of individualism with partnership, ineffective targeting of low-skilled populations, lack of linkage with a lifelong commitment to learning, and…

A Liberal Account of Self-limiting Individualism

NARCIS (Netherlands)

van den Brink, H.H.A.; Harskamp, Anton van; Musschenga, Albert W.

2001-01-01

In this essay I aim to show that a doctrine of self-limiting individualism is presupposed by the most influential account of liberalism today, political liberalism. My argument is that political liberalism can admit that it is based on a rather comprehensive normative ideal of individualism, without

Avoiding the "Inexorable Push toward Homogenization" in School Choice: Education Savings Accounts as Hedges against Institutional Isomorphism

Science.gov (United States)

Burke, Lindsey M.

2016-01-01

The assumption that rational choice dynamics will lead to diversity of school supply is at the heart of K-12 school choice arrangements. Yet as the field of school choice becomes more established, there will be the "inexorable push toward homogenization." If vouchers, tuition tax credit scholarships, and education savings accounts become…

29 CFR 2578.1 - Termination of abandoned individual account plans.

Science.gov (United States)

2010-07-01

... (proportionately in the ratio that each individual account balance bears to the total of all individual account... provide a reasonable rate of return and liquidity; (7) A statement of the fees, if any, that will be paid...

HOUSEHOLD SAVINGS AS A SOURCE OF INVESTMENT RESOURCES IN UKRAINE

Directory of Open Access Journals (Sweden)

E. Nosova

2015-03-01

Full Text Available The approaches of scientists in definition of the household savings, the motives of their creation and the role they perform are identified; the role of household savings in the economy is described; the importance of household saving transformation from unorganized to organized forms is analyzed; the size of saving in financial and nonfinancial forms, its dynamics and structure are characterized; comparison between household savings and main macroeconomic indicators is conducted; ways of investment of households savings are discussed; the dynamics of deposits in banks and credit unions, the participation of households in collective investment schemes (private and corporate investment funds is characterized; the dynamics of household deposits in national and foreign currencies is shown; the dynamics of nominal value of investment fund’s securities, that have been placed among resident individuals are characterized; the dynamics of deposit accounts and the number of credit unions members are described; the comparative characteristics of different ways to invest money is given; the reasons of unorganized savings existence are marked; barriers to convert savings into investments and the ways of overcoming them are identified.

Marginal tax rates and tax-favoured pension savings of the self-employed: Evidence from Sweden

OpenAIRE

Selin, Håkan

2009-01-01

In recent years, the study of how individuals respond to policies that aim at promoting pension savings has emerged as a vital area of economic research. This paper adds to this literature by estimating the tax price elasticity of contributions to tax-favoured pension savings accounts on a population of self-employed individuals. I exploit a unique total data base over the Swedish population that covers the years 1999 to 2005. When using instrumental variables I obtain a tax price elasticity ...

The Impact of Individual Learning Accounts: A Study of the Early and Potential Impact of Individual Learning Accounts on Learning Providers and Learning. Research Report.

Science.gov (United States)

Gray, Michael; Peters, Jane; Fletcher, Mick; Kirk, Gordon

The impact of individual learning accounts (ILAs) on the success of learners in post-16 education sector in the United Kingdom was explored through an examination of available research on ILAs. The following were among the study's 12 messages for providers, the Department for Education and Skills, and the Individual Learning Account Centre: (1)…

RECRUITMENT FINANCED BY SAVED LEAVE (RSL PROGRAMME)

CERN Multimedia

Division du Personnel; Tel. 73903

1999-01-01

Transfer to the saved leave account and saved leave bonusStaff members participating in the RSL programme may opt to transfer up to 10 days of unused annual leave or unused compensatory leave into their saved leave account, at the end of the leave year, i.e. 30 September (as set out in the implementation procedure dated 27 August 1997).A leave transfer request form, which you should complete, sign and return, if you wish to use this possibility, has been addressed you. To allow the necessary time for the processing of your request, you should return it without delay.As foreseen in the implementation procedure, an additional day of saved leave will be granted for each full period of 20 days remaining in the saved leave account on 31 December 1999, for any staff member participating in the RSL programme until that date.For part-time staff members participating in the RSL programme, the above-mentioned days of leave (annual, compensatory and saved) are adjusted proportionally to their contractual working week as...

78 FR 37598 - Missing Participants in Individual Account Plans

Science.gov (United States)

2013-06-21

... information from the public to assist it in making decisions about implementing a new program to deal with... allocated to such participant's account.'' Before making decisions about implementing a missing participants... PENSION BENEFIT GUARANTY CORPORATION Missing Participants in Individual Account Plans AGENCY...

"A Liberal Account of Self-Limiting Individualism"

NARCIS (Netherlands)

van den Brink, H.H.A.; Harskamp, Anton van; Musschenga, Albert W.

2001-01-01

In this essay I aim to show that a doctrine of self-limiting individualism, understood as a formal yet fairly comprehensive conception of how a person should lead her life and relate to others, is presupposed by the most influential account of liberalism today, political liberalism.

Savings account for health care costs

Science.gov (United States)

... have your employer put part of your pre-tax salary into an account. Your employer also may contribute to the account, and it is not part of your gross income. You do not need to file tax documents ...

Labour and Individual Learning Accounts: Let's Keep Talking.

Science.gov (United States)

Thomson, Alastair

1996-01-01

Reviews British political party proposals for individual learning accounts, designed to give adults purchasing power for further education and training. Raises concerns about effects on existing employee development programs and other potential problems. (SK)

Accounting for individual differences in human associative learning.

Science.gov (United States)

Byrom, Nicola C

2013-09-04

Associative learning has provided fundamental insights to understanding psychopathology. However, psychopathology occurs along a continuum and as such, identification of disruptions in processes of associative learning associated with aspects of psychopathology illustrates a general flexibility in human associative learning. A handful of studies have looked specifically at individual differences in human associative learning, but while much work has concentrated on accounting for flexibility in learning caused by external factors, there has been limited work considering how to model the influence of dispositional factors. This review looks at the range of individual differences in human associative learning that have been explored and the attempts to account for, and model, this flexibility. To fully understand human associative learning, further research needs to attend to the causes of variation in human learning.

Accounting for Individual Differences in Human Associative Learning.

Directory of Open Access Journals (Sweden)

Nicola C Byrom

2013-09-01

Full Text Available Associative learning has provided fundamental insights to understanding psychopathology. However, psychopathology occurs along a continuum and as such, identification of disruptions in processes of associative learning associated with aspects of psychopathology illustrates a general flexibility in human associative learning. A handful of studies have looked specifically at individual differences in human associative learning, but while much work has concentrated on accounting for flexibility in learning caused by external factors, there has been limited work considering how to model the influence of dispositional factors. This review looks at the range of individual differences in human associative learning that have been explored and the attempts to account for, and model, this flexibility. To fully understand human associative learning, further research needs to attend to the causes of variation in human learning.

Saving Time with Automated Account Management

Science.gov (United States)

School Business Affairs, 2013

2013-01-01

Thanks to intelligent solutions, schools, colleges, and universities no longer need to manage user account life cycles by using scripts or tedious manual procedures. The solutions house the scripts and manual procedures. Accounts can be automatically created, modified, or deleted in all applications within the school. This article describes how an…

THE PUZZLE OF SIMULTANEOUS SAVINGS AND DEBTS

Directory of Open Access Journals (Sweden)

RODICA IANOLE

2012-05-01

Full Text Available „Neither a borrower nor a lender be” recommends Shakespeare in Hamlet. The advice seems particularly interesting in nowadays society where a person can be easily found in both approximate situations, in the same time. It goes without saying that saving and borrowing do not describe mutually exclusive strategies of financial management and thus many people retain savings or carry on saving at the same time as having debts. We add to this fact a more pragmatically wisdom, the one of the economist Robert Solow -“We (economists think of wealth as fungible; we think a dollar is a dollar. Why don't they (the others do so?” (Solow, 1987 – and we naturally ask ourselves if the mechanism of having simultaneous savings and debts is a rational one, according to traditional economics.Making appeal to the emerging body of behavioral economics literature we reach to the mental accounting theory to see if it can explain savings inclination versus debt inclination. The main research question we want to explore is the following: if mental accounting prevents people from spending money from one „mental account” on goods belonging to another one, will people – after using all their money from a given account – be willing to go into debt to buy goods belonging to this account in a situation when they still have money in other accounts?

Saving the companies affected by the current economic crises – at the hand of stakeholders and accounting professionals

Directory of Open Access Journals (Sweden)

Andreea Paula Dumitru

2013-05-01

Full Text Available The current economic environment is characterized by uncertainties related to price volatility, difficulties in the valuation of financial instruments, as well as of assets and liabilities in general. More and more companies face liquidity issues that could even threaten their existence. Under these circumstances, saving such companies becomes a major concern for the ones directly interested, “survival” being the term most used in the current state of the world’s economy. In the context of this economic turmoil at international level, the main stakeholders and the accountants professionals find themselves in the position of revising their procedures, objectives, strategies, but also their behaviour, their attitude in general, in order to limit or even eliminate the negative consequences of the financial crisis. From our perspective, the communication among company, stakeholders, and auditors represents the fundament of a successful business strategy. However, communication difficulties could be encountered, especially under conditions of uncertainty and crisis. The present article intends to identify the opportunities and threats generated by the economic crisis and to analyze the information flows among company, stakeholders and accountants professionals under circumstances in which the going concern assumption is threatened. Our paper emphasizes the importance of communication among company, stakeholders, and auditors in saving the firms affected by the economic crisis.

Saving in Sub-Saharan Africa

OpenAIRE

Ernest Aryeetey; Christopher Udry

2000-01-01

Gross domestic savings in Africa averaged only 8 percent of GDP in the 1980s, compared to 23 percent for Southeast Asia and 35 percent in the Newly Industrialized Economies. Aside from being generally low, saving rates in most of Africa have shown consistent decline over the last thirty years. These savings figures must be considered tentative, because they are derived as a residual in the national accounts from expenditure and production data that are themselves quite unreliable. Notwithstan...

INDIVIDUAL ACCOUNTABILITY IN COOPERATIVE LEARNING: MORE OPPORTUNITIES TO PRODUCE SPOKEN ENGLISH

Directory of Open Access Journals (Sweden)

Puji Astuti

2017-05-01

Full Text Available The contribution of cooperative learning (CL in promoting second and foreign language learning has been widely acknowledged. Little scholarly attention, however, has been given to revealing how this teaching method works and promotes learners’ improved communicative competence. This qualitative case study explores the important role that individual accountability in CL plays in giving English as a Foreign Language (EFL learners in Indonesia the opportunity to use the target language of English. While individual accountability is a principle of and one of the activities in CL, it is currently under studied, thus little is known about how it enhances EFL learning. This study aims to address this gap by conducting a constructivist grounded theory analysis on participant observation, in-depth interview, and document analysis data drawn from two secondary school EFL teachers, 77 students in the observed classrooms, and four focal students. The analysis shows that through individual accountability in CL, the EFL learners had opportunities to use the target language, which may have contributed to the attainment of communicative competence—the goal of the EFL instruction. More specifically, compared to the use of conventional group work in the observed classrooms, through the activities of individual accountability in CL, i.e., performances and peer interaction, the EFL learners had more opportunities to use spoken English. The present study recommends that teachers, especially those new to CL, follow the preset procedure of selected CL instructional strategies or structures in order to recognize the activities within individual accountability in CL and understand how these activities benefit students.

Making EFL Instruction More CLT-Oriented through Individual Accountability in Cooperative Learning

Science.gov (United States)

Astuti, Puji; Lammers, Jayne C.

2017-01-01

This article attempts to add to the literature supporting Communicative Language Teaching (CLT) by proposing the use of Cooperative Learning (CL), specifically focusing on the enactment of a key principle of CL, i.e., individual accountability. It illustrates how to train students on CL and its individual accountability work and demonstrates how…

Energy Efficiency Improvement and Cost Saving Oportunities for the Concrete Industry

Energy Technology Data Exchange (ETDEWEB)

Kermeli, Katerina; Worrell, Ernst; Masanet, Eric

2011-12-01

The U.S. concrete industry is the main consumer of U.S.-produced cement. The manufacturing of ready mixed concrete accounts for more than 75% of the U.S. concrete production following the manufacturing of precast concrete and masonry units. The most significant expenditure is the cost of materials accounting for more than 50% of total concrete production costs - cement only accounts for nearly 24%. In 2009, energy costs of the U.S. concrete industry were over $610 million. Hence, energy efficiency improvements along with efficient use of materials without negatively affecting product quality and yield, especially in times of increased fuel and material costs, can significantly reduce production costs and increase competitiveness. The Energy Guide starts with an overview of the U.S. concrete industry’s structure and energy use, a description of the various manufacturing processes, and identification of the major energy consuming areas in the different industry segments. This is followed by a description of general and process related energy- and cost-efficiency measures applicable to the concrete industry. Specific energy and cost savings and a typical payback period are included based on literature and case studies, when available. The Energy Guide intends to provide information on cost reduction opportunities to energy and plant managers in the U.S. concrete industry. Every cost saving opportunity should be assessed carefully prior to implementation in individual plants, as the economics and the potential energy and material savings may differ.

The link between individual expectations and savings: Do nursing home expectations matter?

DEFF Research Database (Denmark)

Kleinjans, Kristin J.; Lee, Jinkook

these expectations and savings behavior, using data from the Health and Retirement Study. We find a clear relation between subjective expectations and probability of future nursing home entry, and a positive effect of these expectations on savings behavior. Surprisingly, we find no difference of this effect...... by wealth group, so it seems that Medicaid eligibility in the context of nursing home entry plays no factor in the decision to save....

Accounting for individual differences in human associative learning

OpenAIRE

Byrom, Nicola C.

2013-01-01

Associative learning has provided fundamental insights to understanding psychopathology. However, psychopathology occurs along a continuum and as such, identification of disruptions in processes of associative learning associated with aspects of psychopathology illustrates a general flexibility in human associative learning. A handful of studies have looked specifically at individual differences in human associative learning, but while much work has concentrated on accounting for flexibility ...

Saving Face and Group Identity

DEFF Research Database (Denmark)

Eriksson, Tor; Mao, Lei; Villeval, Marie-Claire

2015-01-01

their self- but also other group members' image. This behavior is frequent even in the absence of group identity. When group identity is more salient, individuals help regardless of whether the least performer is an in-group or an out-group. This suggests that saving others' face is a strong social norm.......Are people willing to sacrifice resources to save one's and others' face? In a laboratory experiment, we study whether individuals forego resources to avoid the public exposure of the least performer in their group. We show that a majority of individuals are willing to pay to preserve not only...

Refrigeration: Introducing energy saving opportunities for business

Energy Technology Data Exchange (ETDEWEB)

NONE

2006-04-15

In some industries, most notably food and drink and chemicals, refrigeration accounts for a significant proportion of overall site energy costs. For instance, in the industrial handling of meat, poultry and fish, it often accounts for 50% of total energy costs. In ice-cream production the proportion is 70%. In a number of commercial sectors, refrigeration also represents a significant proportion of overall energy costs. For example: Cold storage 90%; Food supermarkets 50%; Small shops with refrigerated cabinets 70% or over; Pubs and clubs 30%. Against these high costs, even a small reduction in refrigeration energy use can offer significant cost savings, resulting in increased profits. Energy saving need not be expensive. Energy savings of up to 20% can be realised in many refrigeration plant through actions that require little or no investment. In addition, improving the efficiency and reducing the load on a refrigeration plant can improve reliability and reduce the likelihood of a breakdown. Most organisations can save energy and money on refrigeration by: More efficient equipment; Good maintenance; Housekeeping and control. This publication provides an understanding of the operation of refrigeration systems, identifies where savings can be realised and will enable readers to present an informed case on energy savings to key decision makers within their organisation. (GB)

China's medical savings accounts: an analysis of the price elasticity of demand for health care.

Science.gov (United States)

Yu, Hao

2017-07-01

Although medical savings accounts (MSAs) have drawn intensive attention across the world for their potential in cost control, there is limited evidence of their impact on the demand for health care. This paper is intended to fill that gap. First, we built up a dynamic model of a consumer's problem of utility maximization in the presence of a nonlinear price schedule embedded in an MSA. Second, the model was implemented using data from a 2-year MSA pilot program in China. The estimated price elasticity under MSAs was between -0.42 and -0.58, i.e., higher than that reported in the literature. The relatively high price elasticity suggests that MSAs as an insurance feature may help control costs. However, the long-term effect of MSAs on health costs is subject to further analysis.

Energy saving synergies in national energy systems

DEFF Research Database (Denmark)

Thellufsen, Jakob Zinck; Lund, Henrik

2015-01-01

In the transition towards a 100% renewable energy system, energy savings are essential. The possibility of energy savings through conservation or efficiency increases can be identified in, for instance, the heating and electricity sectors, in industry, and in transport. Several studies point...... to various optimal levels of savings in the different sectors of the energy system. However, these studies do not investigate the idea of energy savings being system dependent. This paper argues that such system dependency is critical to understand, as it does not make sense to analyse an energy saving...... without taking into account the actual benefit of the saving in relation to the energy system. The study therefore identifies a need to understand how saving methods may interact with each other and the system in which they are conducted. By using energy system analysis to do hourly simulation...

Short-Term Saved Leave Scheme

CERN Multimedia

2007-01-01

As announced at the meeting of the Standing Concertation Committee (SCC) on 26 June 2007 and in http://Bulletin No. 28/2007, the existing Saved Leave Scheme will be discontinued as of 31 December 2007. Staff participating in the Scheme will shortly receive a contract amendment stipulating the end of financial contributions compensated by save leave. Leave already accumulated on saved leave accounts can continue to be taken in accordance with the rules applicable to the current scheme. A new system of saved leave will enter into force on 1 January 2008 and will be the subject of a new implementation procedure entitled "Short-term saved leave scheme" dated 1 January 2008. At its meeting on 4 December 2007, the SCC agreed to recommend the Director-General to approve this procedure, which can be consulted on the HR Department’s website at the following address: https://cern.ch/hr-services/services-Ben/sls_shortterm.asp All staff wishing to participate in the new scheme a...

Short-Term Saved Leave Scheme

CERN Multimedia

HR Department

2007-01-01

As announced at the meeting of the Standing Concertation Committee (SCC) on 26 June 2007 and in http://Bulletin No. 28/2007, the existing Saved Leave Scheme will be discontinued as of 31 December 2007. Staff participating in the Scheme will shortly receive a contract amendment stipulating the end of financial contributions compensated by save leave. Leave already accumulated on saved leave accounts can continue to be taken in accordance with the rules applicable to the current scheme. A new system of saved leave will enter into force on 1 January 2008 and will be the subject of a new im-plementation procedure entitled "Short-term saved leave scheme" dated 1 January 2008. At its meeting on 4 December 2007, the SCC agreed to recommend the Director-General to approve this procedure, which can be consulted on the HR Department’s website at the following address: https://cern.ch/hr-services/services-Ben/sls_shortterm.asp All staff wishing to participate in the new scheme ...

Reinforcement Learning and Savings Behavior.

Science.gov (United States)

Choi, James J; Laibson, David; Madrian, Brigitte C; Metrick, Andrew

2009-12-01

We show that individual investors over-extrapolate from their personal experience when making savings decisions. Investors who experience particularly rewarding outcomes from saving in their 401(k)-a high average and/or low variance return-increase their 401(k) savings rate more than investors who have less rewarding experiences with saving. This finding is not driven by aggregate time-series shocks, income effects, rational learning about investing skill, investor fixed effects, or time-varying investor-level heterogeneity that is correlated with portfolio allocations to stock, bond, and cash asset classes. We discuss implications for the equity premium puzzle and interventions aimed at improving household financial outcomes.

Reinforcement Learning and Savings Behavior*

Science.gov (United States)

Choi, James J.; Laibson, David; Madrian, Brigitte C.; Metrick, Andrew

2009-01-01

We show that individual investors over-extrapolate from their personal experience when making savings decisions. Investors who experience particularly rewarding outcomes from saving in their 401(k)—a high average and/or low variance return—increase their 401(k) savings rate more than investors who have less rewarding experiences with saving. This finding is not driven by aggregate time-series shocks, income effects, rational learning about investing skill, investor fixed effects, or time-varying investor-level heterogeneity that is correlated with portfolio allocations to stock, bond, and cash asset classes. We discuss implications for the equity premium puzzle and interventions aimed at improving household financial outcomes. PMID:20352013

Energy savings in Danish residential building stock

DEFF Research Database (Denmark)

Tommerup, Henrik M.; Svendsen, Svend

2006-01-01

a short account of the technical energy-saving possibilities that are present in existing dwellings and presents a financial methodology used for assessing energy-saving measures. In order to estimate the total savings potential detailed calculations have been performed in a case with two typical...... buildings representing the residential building stock and based on these calculations an assessment of the energy-saving potential is performed. A profitable savings potential of energy used for space heating of about 80% is identified over 45 years (until 2050) within the residential building stock......A large potential for energy savings exists in the Danish residential building stock due to the fact that 75% of the buildings were constructed before 1979 when the first important demands for energy performance of building were introduced. It is also a fact that many buildings in Denmark face...

An analysis of the inter-relationship between savings product usage ...

African Journals Online (AJOL)

products such as savings accounts, money market investments and fixed deposits ... financial services, satisfaction, SERVQUAL, marginal utility, savings ... they were being exploited by their financial advisors, who were receiving commission.

Individuals Account Review

National Research Council Canada - National Science Library

Scott, Donald

2004-01-01

.... This report was commissioned by Navy Personnel Command (NPC) to: (1) review and analyze the IA to determine if current accounting methods accurately capture the number of personnel included in the IA; (2...

CONSOLIDATED COST ACCOUNTING AT MEAT AND FAT PRODUCTION: METHODOLOGY AND PRACTICE

Directory of Open Access Journals (Sweden)

Volodymyr Kushnir

2017-08-01

Full Text Available Aim of the article is to study and improve methods of consolidated cost accounting at meat and fat production to obtain detailed information about production costs and to find ways to reduce the cost of meat production. It is offered to account expenses at meat and fat department for individual production areas that will receive detailed information for the purposes of control, analysis, calculation and reporting. For expedient budgeting activities of each structural unit of meat and fat production and for needs to saving production is proposed to reflect the costs of each production plant to separate groups of analytical accounts. Key words: consolidated accounting, production costs of meat and fat production, cost accounting.

Modelling the impact of social network on energy savings

International Nuclear Information System (INIS)

Du, Feng; Zhang, Jiangfeng; Li, Hailong; Yan, Jinyue; Galloway, Stuart; Lo, Kwok L.

2016-01-01

Highlights: • Energy saving propagation along a social network is modelled. • This model consists of a time evolving weighted directed network. • Network weights and information decay are applied in savings calculation. - Abstract: It is noted that human behaviour changes can have a significant impact on energy consumption, however, qualitative study on such an impact is still very limited, and it is necessary to develop the corresponding mathematical models to describe how much energy savings can be achieved through human engagement. In this paper a mathematical model of human behavioural dynamic interactions on a social network is derived to calculate energy savings. This model consists of a weighted directed network with time evolving information on each node. Energy savings from the whole network is expressed as mathematical expectation from probability theory. This expected energy savings model includes both direct and indirect energy savings of individuals in the network. The savings model is obtained by network weights and modified by the decay of information. Expected energy savings are calculated for cases where individuals in the social network are treated as a single information source or multiple sources. This model is tested on a social network consisting of 40 people. The results show that the strength of relations between individuals is more important to information diffusion than the number of connections individuals have. The expected energy savings of optimally chosen node can be 25.32% more than randomly chosen nodes at the end of the second month for the case of single information source in the network, and 16.96% more than random nodes for the case of multiple information sources. This illustrates that the model presented in this paper can be used to determine which individuals will have the most influence on the social network, which in turn provides a useful guide to identify targeted customers in energy efficiency technology rollout

The effect of net foreign assets on saving rate

Directory of Open Access Journals (Sweden)

Ben David Nissim

2014-01-01

Full Text Available Observing empirical data we find that many countries try to delay the decision of increasing saving rate in order to avoid a decrease of the living standards. However the delay leads a deterioration of countries financial stability. We present a simple theoretical model that connects between countries' saving rate and their net foreign assets. Using cross section data set of 135 countries in 2010 we estimated the econometric relation between saving rate in 2010 as dependent variable and two explanatory variables: the current account in 2010 and the aggregated current account during 1980-2010. Our findings show that industrial countries in a bad financial state tend to decrease their saving rate as external debt is larger causing to deterioration in external debt while countries with good financial state tend to increase their saving rate and the tendency increase as financial state becomes better. Only in countries with a very large external debt saving rate tends to grow. The results point that gross foreign debt will keep increasing and will worsen world financial state causing increased risk of getting into a world crisis.

Accounting for imperfect detection of groups and individuals when estimating abundance.

Science.gov (United States)

Clement, Matthew J; Converse, Sarah J; Royle, J Andrew

2017-09-01

If animals are independently detected during surveys, many methods exist for estimating animal abundance despite detection probabilities account for imperfect detection of groups, while assuming that individuals within groups are detected perfectly. However, this assumption is often unsupported. We introduce an abundance estimator for grouped animals when detection of groups is imperfect and group size may be under-counted, but not over-counted. The estimator combines an MRDS model with an N-mixture model to account for imperfect detection of individuals. The new MRDS-Nmix model requires the same data as an MRDS model (independent detection histories, an estimate of distance to transect, and an estimate of group size), plus a second estimate of group size provided by the second observer. We extend the model to situations in which detection of individuals within groups declines with distance. We simulated 12 data sets and used Bayesian methods to compare the performance of the new MRDS-Nmix model to an MRDS model. Abundance estimates generated by the MRDS-Nmix model exhibited minimal bias and nominal coverage levels. In contrast, MRDS abundance estimates were biased low and exhibited poor coverage. Many species of conservation interest reside in groups and could benefit from an estimator that better accounts for imperfect detection. Furthermore, the ability to relax the assumption of perfect detection of individuals within detected groups may allow surveyors to re-allocate resources toward detection of new groups instead of extensive surveys of known groups. We believe the proposed estimator is feasible because the only additional field data required are a second estimate of group size.

Recording and Audit of Resource Saving Innovations at Modern Industrial Companies

OpenAIRE

I. M.

2017-01-01

Resource saving and energy saving are essential components of “energy security” problem in all the countries, which raises the importance of analysis and revision of approaches to organization of recording and audit of resource saving innovations at industrial companies. The article’s objective is to study organization of recording and audit of resource saving technologies at industrial companies. A review of resource saving purposes and methods is given. For accounting purposes, innovati...

Contributions of Qualitative Research to Understanding Savings for Children and Youth

Science.gov (United States)

Sherraden, Margaret; Peters, Clark; Wagner, Kristen; Guo, Baorong; Clancy, Margaret

2013-01-01

This paper explores contributions of qualitative research to saving theory for children, youth, and parents in children's development account (CDAs) programs. It brings together findings from three studies: (1) elementary school age children saving for college, (2) youth transitioning from foster care saving for education and other purposes, and…

Household water saving: Evidence from Spain

Science.gov (United States)

Aisa, Rosa; Larramona, Gemma

2012-12-01

This article focuses on household water use in Spain by analyzing the influence of a detailed set of factors. We find that, although the presence of both water-saving equipment and water-conservation habits leads to water savings, the factors that influence each are not the same. In particular, our results show that those individuals most committed to the adoption of water-saving equipment and, at the same time, less committed to water-conservation habits tend to have higher incomes.

Individual Learning Accounts and Other Models of Financing Lifelong Learning

Science.gov (United States)

Schuetze, Hans G.

2007-01-01

To answer the question "Financing what?" this article distinguishes several models of lifelong learning as well as a variety of lifelong learning activities. Several financing methods are briefly reviewed, however the principal focus is on Individual Learning Accounts (ILAs) which were seen by some analysts as a promising model for…

Must losing taxes on saving be harmful?

DEFF Research Database (Denmark)

Huizinga, Harry; Nielsen, Søren Bo

2004-01-01

on account of international tax evasion mayprevent the overall saving-investment tax wedge from becoming too high, and hencemay be beneficial for moderate preferences for public goods. A world with 'high-spending' governments, in contrast, is made worse off by the loss of saving taxes,and hence stands...... are financed by taxes on savingand investment. There is international cross-ownership of firms, and countries areassumed to be unable to tax away pure profits. Countries then face an incentiveto impose a rather high investment tax also borne by foreigners. In this setting,the loss of the saving tax instrument...

Latino Demographics, Democratic Individuality, and Educational Accountability: A Pragmatist's View

Science.gov (United States)

Martinez Aleman, Ana M.

2006-01-01

In an era of heightened teacher and school accountability, what are the implications of standards-based reform for individual Latino children and their democratic self-realization? The educational demography of the fastest-growing and largest ethnic group in the United States suggests that the future of Latino self-realization is in jeopardy.…

76 FR 20459 - Savings and Loan Holding Company Application

Science.gov (United States)

2011-04-12

... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Savings and Loan Holding Company... concerning the following information collection. Title of Proposal: Savings and Loan Holding Company... officer of a savings and loan holding company, or any individual who owns, controls, or holds with power...

Recording and Audit of Resource Saving Innovations at Modern Industrial Companies

Directory of Open Access Journals (Sweden)

I. M.

2017-05-01

Full Text Available Resource saving and energy saving are essential components of “energy security” problem in all the countries, which raises the importance of analysis and revision of approaches to organization of recording and audit of resource saving innovations at industrial companies. The article’s objective is to study organization of recording and audit of resource saving technologies at industrial companies. A review of resource saving purposes and methods is given. For accounting purposes, innovations in resource saving are recorded now as intangible assets. Recording of resource saving innovations and technologies at industrial companies is confined to recording of transactions on creation or acquisition of patent rights objects and intellectual property objects. The author’s approach to organization of audit by the conformity of resource saving innovations with M. Porter’s test is proposed. Data showing success story of a Ukrainian company manufacturing polyurethane foam sealant PENADO in the aerosol dispenser is used to confirm that Ukraine does have potentials to introduce and utilize resource saving technologies, including energy saving ones. The proposed model for recording and audit of resource saving innovations should be used in strategic planning of resource saving innovations at the companies incorporated in industrial groups or holdings. Using this model, a company can reveal and assess the mismatch between amounts of resources that can be allocated in innovation and real capacities for introducing innovative resource saving technologies, and factors having the strongest impact on recourse saving innovations at companies incorporated in one financial and industrial group or holding. The proposed model accounts for the specific operative conditions in holdings and tough conditions for business operation of industrial companies in Ukraine.

76 FR 35085 - Savings and Loan Holding Company Application

Science.gov (United States)

2011-06-15

... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Savings and Loan Holding Company... Proposal: Savings Loan Holding Company Application. OMB Number: 1550-0015. Form Numbers: H-(e). Description... that no company, or any director or officer of a savings and loan holding company, or any individual...

An analysis of the inter-relationship between savings product usage ...

African Journals Online (AJOL)

The article maintains that improved participation in the financial services industries seems to be dependent on satisfaction levels regarding financial services product usage. Empirical evidence shows that higher usage and higher satisfaction regarding basic savings products such as savings accounts, money market ...

20 CFR 903.4 - Procedures for access to records and accountings of disclosures from records, regarding individuals.

Science.gov (United States)

2010-04-01

... accountings of disclosures from records, regarding individuals. 903.4 Section 903.4 Employees' Benefits JOINT... Procedures for access to records and accountings of disclosures from records, regarding individuals. (a... to an accounting of a disclosure from such record made pursuant to 5 U.S.C. 552a(c)(1), permit that...

Accounting for means of individualization of modern enterprise: problems and improvement directions

Directory of Open Access Journals (Sweden)

K.I. Skop

2017-12-01

Full Text Available The research describes the existing methodology of accounting for the means of individualization of a modern enterprise, within which they are not recognized as intangible assets and are not subject to reporting. The article deals with the peculiarities of the legal nature of the commercial name, the geographical indication and trademark that influence upon the process of their accounting. The necessity of registering geographical indication and trademark as intangible assets is substantiated and the features of determination of their useful life in accounting are disclosed. The factors influencing on the value of the trademark are presented and the relevance of the accounting method for the revalued value is specified.

Saving and Habit Formation : Evidence from Dutch Panel Data

NARCIS (Netherlands)

Alessie, R.J.M.; Teppa, F.

2002-01-01

This paper focuses on the role of habit formation in individual preferences over consumption and saving.We closely relate to Alessie and Lusardi's (1997) model as we estimate a model which is based on their closed-form solution, where saving is expressed as a function of lagged saving and other

Mental health and retirement savings: Confounding issues with compounding interest.

Science.gov (United States)

Bogan, Vicki L; Fertig, Angela R

2018-02-01

The questionable ability of the U.S. pension system to provide for the growing elderly population combined with the rising number of people affected by depression and other mental health issues magnifies the need to understand how these household characteristics affect retirement. Mental health problems have a large and significant negative effect on retirement savings. Specifically, psychological distress is associated with decreasing the probability of holding retirement accounts by as much as 24 percentage points and decreasing retirement savings as a share of financial assets by as much as 67 percentage points. The magnitude of these effects underscores the importance of employer management policy and government regulation of these accounts to help ensure households have adequate retirement savings. Copyright © 2017 John Wiley & Sons, Ltd.

User behaviour impact on energy savings potential

DEFF Research Database (Denmark)

Rose, Jørgen

2014-01-01

and the residents' behaviour and if these defaults do not reflect actual circumstances, it can result in non-realisation of expected energy savings. Furthermore, a risk also exists that residents' behaviour change after the energy upgrading, e.g. to obtain improved comfort than what was possible before......, 3) Domestic hot water consumption and 4) Air change rate. Based on the analysis, a methodology is established that can be used to make more realistic and accurate predictions of expected energy savings associated with energy upgrading taking into account user behaviour....... the upgrading and this could lead to further discrepancies between the calculated and the actual energy savings. This paper presents an analysis on how residents’ behaviour and the use of standard assumptions may influence expected energy savings. The analysis is performed on two typical single-family houses...

Savings needed to fund health insurance and health care expenses in retirement: findings from a simulation model.

Science.gov (United States)

Fronstin, Paul; Salisbury, Dallas; VanDerhei, Jack

2008-05-01

MODELING RETIREE HEALTH COSTS: This Issue Brief examines the uncertainty of health care expenses in retirement by using a Monte Carlo simulation model to estimate the amount of savings needed to cover health insurance premiums and out-of-pocket health care expenses. This type of simulation is able to account for the uncertainty related to individual mortality and rates of return, and computes the present value of the savings needed to cover health insurance premiums and out-of-pocket expenses in retirement. These observations were used to determine asset targets for having adequate savings to cover retiree health costs 50, 75, and 90 percent of the time. NOT ENOUGH SAVINGS: Many individuals will need more money than the amounts reported in this Issue Brief because this analysis does not factor in the savings needed to cover long-term care expenses, nor does it take into account the fact that many individuals retire prior to becoming eligible for Medicare. However, some workers will need to save less than what is reported if they keep working in retirement and receive health benefits as active workers. WHO HAS RETIREE HEALTH BENEFITS BEYOND MEDICARE?: About 12 percent of private-sector employers report offering any Medicare supplemental health insurance. This increases to about 40 percent among large employers. Overall, nearly 22 percent of retirees age 65 and older had retiree health benefits in 2005 to supplement Medicare coverage. As recently as 2006, 53 percent of retirees age 65 and older were covered by Medicare Part D, 24 percent had outpatient prescription drug coverage through an employment-based plan. Only 10 percent had no prescription drug coverage. INDIVIDUALLY PURCHASED MEDICARE SUPPLEMENTS, 2008: Among those who purchase Medigap and Medicare Part D prescription drug coverage at age 65 in 2008, men would need between $79,000 and $159,000 with median prescription drug expenses (50th percentile and 90th percentiles, respectively), and between $156

Energy conservation, energy efficiency and energy savings regulatory hypotheses - taxation, subsidies and underlying economics

Energy Technology Data Exchange (ETDEWEB)

Trumpy, T. [International Legal Counsel, Brussels (Belgium)

1995-12-01

More efficient use of energy resources can be promoted by various regulatory means, i.e., taxation, subsidies, and pricing. Various incentives can be provided by income and revenue tax breaks-deductible energy audit fees, energy saving investment credits, breaks for energy saving entrepreneurs, and energy savings accounts run through utility accounts. Value added and excise taxes can also be adjusted to reward energy saving investments and energy saving entrepreneurial activity. Incentives can be provided in the form of cash refunds, including trade-in-and-scrap programs and reimbursements or subsidies on audit costs and liability insurance. Pricing incentives include lower rates for less energy use, prepayment of deposit related to peak load use, electronically dispatched multiple tariffs, savings credits based on prior peak use, and subsidized {open_quotes}leasing{close_quotes} of more efficient appliances and lights. Credits, with an emphasis on pooling small loans, and 5-year energy savings contracts are also discussed.

Save Energy Now Assessments Results 2008 Detailed Report

Energy Technology Data Exchange (ETDEWEB)

Wright, Anthony L [ORNL; Martin, Michaela A [ORNL; Nimbalkar, Sachin U [ORNL; Quinn, James [U.S. Department of Energy; Glatt, Ms. Sandy [DOE Industrial Technologies Program; Orthwein, Mr. Bill [U.S. Department of Energy

2010-09-01

In October 2005, U.S. Department of Energy Secretary Bodman launched his Easy Ways to Save Energy campaign with a promise to provide energy assessments to 200 of the largest U.S. manufacturing plants. DOE's Industrial Technologies Program (ITP) responded to the Secretary's campaign with its Save Energy Now initiative, featuring a new and highly cost-effective form of energy savings assessment. The approach for these assessments drew heavily on the existing resources of ITP's technology delivery component. Over the years, ITP Technology Delivery has worked with industry partners to assemble a suite of respected software tools, proven assessment protocols, training curricula, certified energy experts, and strong partnerships for deployment. The Save Energy Now assessments conducted in calendar year 2006 focused on natural gas savings and targeted many of the nation's largest manufacturing plants - those that consume at least 1 TBtu of energy annually. The 2006 Save Energy Now assessments focused primarily on assessments of steam and process heating systems, which account for an estimated 74% of all natural gas use by U.S. manufacturing plants. Because of the success of the Save Energy Now assessments conducted in 2006 and 2007, the program was expanded and enhanced in two major ways in 2008: (1) a new goal was set to perform at least 260 assessments; and (2) the assessment focus was expanded to include pumping, compressed air, and fan systems in addition to steam and process heating. DOE ITP also has developed software tools to assess energy efficiency improvement opportunities in pumping, compressed air, and fan systems. The Save Energy Now assessments integrate a strong training component designed to teach industrial plant personnel how to use DOE's opportunity assessment software tools. This approach has the advantages of promoting strong buy-in of plant personnel for the assessment and its outcomes and preparing them better to

Individual account retirement plans: an analysis of the 2007 survey of consumer finances, with market adjustments to June 2009.

Science.gov (United States)

Copeland, Craig

2009-08-01

LATEST SCF DATA: This Issue Brief assesses the current status of Americans' savings for retirement by examining the incidence of individual account plans among families, as well as the average amount of assets accumulated in these accounts. The 2007 Survey of Consumer Finances (SCF), the Federal Reserve Board's triennial survey of wealth, is the basis for this study, as it is a leading source of data on Americans' wealth, provides detailed information on retirement plan incidence and account balances among families, and is the latest available. ACCOUNTING FOR THE ECONOMIC DOWNTURN: While 2007 SCF is the most comprehensive and current survey of Americans' finances, its timing was unfortunate due to the significant downturn in the economy in 2008 just after the survey was released. To account for that change, this analysis provides estimates of the changes in asset values from the end of 2007 to mid-June 2009 for individual account plan balances. The account balances of the defined contribution plans and IRAs are adjusted based on the asset allocation reported within the plans by using equity market returns and bond market returns from January 1, 2008, to June 19, 2009. MEDIAN ASSET LEVELS FOR DEFINED CONTRIBUTION PLANS: Among all families with a defined contribution plan in 2007, the median (mid-point) plan balance was $31,800, up 16 percent from 2004. According to EBRI estimates, this dropped 16.4 percent (to $26,578) from year-end 2007 to mid-June 2009. Losses were higher for families with more than $100,000 a year in income (down 22 percent) or having a net worth in the top 10 percent (down 28 percent). MEDIAN ASSET LEVELS FOR IRA/KEOGH PLANS: Among all families with an IRA/Keogh plan, the median value of their plan was $34,000 in 2007, up 3 percent from 2004. EBRI estimates this median value dropped 15 percent (to $28,955) from year-end 2007 to mid-June 2009. LESS THAN HALF OF ALL FAMILIES HAVE A RETIREMENT PLAN THROUGH A CURRENT JOB: In 2007, 40.6 percent of

Energy savings: persuasion and persistence

Energy Technology Data Exchange (ETDEWEB)

Eijadi, David; McDougall, Tom; Leaf, Kris; Douglas, Jim; Steinbock, Jason; Reimer, Paul [The Weidt Group, Minnetonka, MN (United States); Gauthier, Julia [Xcel Energy, Minneapolis, MN (United States); Wild, Doug; Richards McDaniel, Stephanie [BWBR Architects, Inc., Saint Paul, MN (United States)

2005-07-01

In this study, the architects, sponsoring utility and energy simulation specialist joined together to investigate the persistence of energy savings in three completed projects: a college library; a municipal transportation facility; and a hospital. The primary question being 'How well did the design decisions made with the help of simulation analysis translate into building operations over several years?' Design simulation and metered performance data are compared for specific energy-saving strategies. The paper provides a brief overview of the basis of selection of the three projects, the energy design assistance methods employed and the decisions made, along with their savings expectations. For each case, design characteristics, modelling assumptions, selected strategies and actual metered performance are outlined. We find evidence of appropriate levels of energy conservation, but they are not the absolute values predicted. In each case, the discrepancies between modelling assumptions and final construction or operating procedures are identified, examined and rectified. The paper illustrates that while owners are saving energy, they are not always getting the full savings potential for what they install. The paper concludes with a re-examination of the overall process. It evaluates the potential for additional savings of individual technologies and related larger utility incentives to design teams and building owners.

Energy saving potential in existing industrial compressors

International Nuclear Information System (INIS)

Vittorini, Diego; Cipollone, Roberto

2016-01-01

The Compressed Air Sector accounts for a mean 10% worldwide electricity consumption, which ensures about its importance, when energy saving and CO_2 emissions reduction are in question. Since the compressors alone account for 15% overall industry electricity consumption, it appears vital to pay attention to machine performances. The paper presents an overview of present compressor technology and focuses on saving directions for screw and sliding vanes machines, according to data provided by the Compressed Air and Gas Institute and PNEUROP. Data were processed to obtain consistency with fixed reference pressures and organized as a function of main operating parameters. Each sub-term, contributing to the overall efficiency (adiabatic, volumetric, mechanical, electric, organic), was considered separately: the analysis showed that the thermodynamic improvement during compression achievable by splitting the compression in two stages, with a lower compression ratio, opens the way to significantly reduce the energy specific consumption. - Highlights: • Compressors technology overview in industrial compressed air systems. • Market compressors efficiency baseline definition. • Energy breakdown and evaluation of main efficiency terms. • Assessment of air cooling-related energy saving potential. • Energy specific consumption reduction through dual stage compression.

The Energy Saving Potential of Occupancy-Based Lighting Control Strategies in Open-Plan Offices: The Influence of Occupancy Patterns

Directory of Open Access Journals (Sweden)

Christel de Bakker

2017-12-01

Full Text Available Occupancy-based lighting control strategies have been proven to be effective in diminishing offices’ energy consumption. These strategies have typically worked by controlling lighting at the room level but, recently, lighting systems have begun to be equipped with sensors on a more fine-grained level, enabling lighting control at the desk level. For some office cases, however, the savings gained using this strategy may not outweigh the costs and design efforts compared to room control. This is because, in some offices, individual occupancy patterns are similar, hence the difference in savings between desk and room control would be minimal. This study examined the influence of occupancy pattern variance within an office space on the relative energy savings of control strategies with different control zone sizes. We applied stochastic modeling to estimate the occupancy patterns, as this method can account for uncertainty. To validate our model, simulation results were compared to earlier studies and real measurements, which demonstrated that our simulations provided realistic occupancy patterns. Next, office cases varying in both job-function type distribution and office policy were investigated on energy savings potential to determine the influence of occupancy pattern variance. The relative energy savings potential of the different control strategies differed minimally for the test cases, suggesting that variations in individual occupancy patterns negligibly influence energy savings. In all cases, lighting control at the desk level showed a significantly higher energy savings potential than strategies with lower control zone granularity, suggesting that it is useful to implement occupancy-based lighting at the desk level in all office cases. This strategy should, thus, receive more attention from both researchers and lighting designers.

Savings and extinction of conditioned eyeblink responses in fragile X syndrome

DEFF Research Database (Denmark)

Smit, A E; van der Geest, J N; Vellema, M

2008-01-01

with FRAXA. In the present behavioral study, long-term effects of deficiency of FMRP were investigated by examining the acquisition, savings and extinction of delay eyeblink conditioning in male individuals with FRAXA. In the acquisition experiment, subjects with FRAXA displayed a significantly poor...... of the FMRP affects cerebellar motor learning. The normal performance in the savings experiment and aberrant performance in the acquisition and extinction experiments of individuals with FRAXA suggest that different mechanisms underlie acquisition, savings and extinction of cerebellar motor learning....

Measuring scarce water saving from interregional virtual water flows in China

Science.gov (United States)

Zhao, X.; Li, Y. P.; Yang, H.; Liu, W. F.; Tillotson, M. R.; Guan, D.; Yi, Y.; Wang, H.

2018-05-01

Trade of commodities can lead to virtual water flows between trading partners. When commodities flow from regions of high water productivity to regions of low water productivity, the trade has the potential to generate water saving. However, this accounting of water saving does not account for the water scarcity status in different regions. It could be that the water saving generated from this trade occurs at the expense of the intensified water scarcity in the exporting region, and exerts limited effect on water stress alleviation in importing regions. In this paper, we propose an approach to measure the scarce water saving associated with virtual water trade (measuring in water withdrawal/use). The scarce water is quantified by multiplying the water use in production with the water stress index (WSI). We assessed the scarce water saving/loss through interprovincial trade within China using a multi-region input-output table from 2010. The results show that interprovincial trade resulted in 14.2 km3 of water loss without considering water stress, but only 0.4 km3 scarce water loss using the scarce water concept. Among the 435 total connections of virtual water flows, 254 connections contributed to 20.2 km3 of scarce water saving. Most of these connections are virtual water flows from provinces with lower WSI to that with higher WSI. Conversely, 175 connections contributed to 20.6 km3 of scarce water loss. The virtual water flow connections between Xinjiang and other provinces stood out as the biggest contributors, accounting for 66% of total scarce water loss. The results show the importance of assessing water savings generated from trade with consideration of both water scarcity status and water productivity across regions. Identifying key connections of scarce water saving is useful in guiding interregional economic restructuring towards water stress alleviation, a major goal of China’s sustainable development strategy.

Bank Concentration, Corporate Savings and Current Account Imbalances%银行集中度、企业储蓄与经常账户失衡

Institute of Scientific and Technical Information of China (English)

谭之博; 赵岳

2012-01-01

Based on the national level panel data about 56 countries in the period of 1990 to 2007 and a World Bank survey dataset about firms' financing behaviors in 1999, this paper investigates the relationship among bank concentration, corporate savings and current account imbalances with the utilization of dynamic panel models and Tobit models. The empirical results show that the more concentrated the banking sector is, the less the proportion of firms' bank financing is and the more their retained earnings are. Furthermore, savings by corporate sector are significantly correlated with current account imbalances and the high savings in countries with a more concentrated banking sector lead to larger current account surplus or less current account deficits in these countries. Our results remain robust with the consideration of financial center effect and IV regressions. Differing from traditional measurement of financial development which focuses on the overall scale of financial sector, our results highlight the importance of internal structure of banking sector in the understanding of current account imbalances.%本文基于1990--2007年56个国家的面板数据和1999年世界银行的企业调查数据，运用动态面板模型和Tobit模型，探究了银行集中度、企业储蓄和经常账户失衡的关系。实证结果表明，银行集中度越高，企业从银行融资的比重越小，自身储蓄越高。而公司部门的储蓄与经常账户余额存在显著的正向相关，高银行集中度国家企业的高储蓄导致这些国家经历更大的经常账户顺差（或更小的逆差）。上述结论并不受金融中心效应的影响，也在工具变量回归中保持稳健。与强调金融部门总规模的传统金融发展观不同，本文的结论表明，银行业的内部结构是理解经常账户失衡的重要视角。

Do Medicaid home and community based service waivers save money?

Science.gov (United States)

Harrington, Charlene; Ng, Terence; Kitchener, Martin

2011-10-01

This article estimates the potential savings to the Medicaid program of using 1915c Home and Community Based Services (HCBS) waivers rather than institutional care. For Medicaid HCBS waiver expenditures of $25 billion in 2006, we estimate the national savings to be over $57 billion, or $57,338 per waiver participant in 2006 compared with the cost of Medicaid institutional care (for which all waiver participants are eligible). When taking into account a potential 50% "woodwork effect" (for people who might have refused institutional services), the saving would be $21 billion. This analysis demonstrates that HCBS waiver programs present significant direct financial savings to Medicaid long-term care (LTC) programs.

[Saving motives in young, middle-aged, and older adults. Preliminary results of a new inventory for exploring lifespan saving motives].

Science.gov (United States)

Rager, B; Lang, F R; Wagner, G G

2012-12-01

There is some research on personal reasons for saving money in the economic sciences. However, not much is known about the age differences of saving motives. In this vein, the future time perspective (FTP) is known to play a critical role for motivation across the life span. In this study, we introduce a new Saving Motive Inventory (SMI), which also covers saving goals after retirement. Furthermore, it is argued that additional saving motives that are not based on economic models of life-cycle saving also exist. In accordance with the socio-emotional selectivity theory, we explored age differences in an online survey with 496 participants from young (19-44 years), middle-aged (45-64 years), and older (65-86 years) adulthood, who completed a questionnaire on saving motives, personality, and future-related thinking (e.g., Future Time Perspective Scale, Life Orientation Test). Results of the explorative Factor Analysis (EFA) are consistent with the theoretical expectations. The factors are generativity, educational investment, consumption, indifference, and provision for death and dying. Together these five factors account for 67% of the variance. In general, the inventory is reliable and valid with respect to the expected internal and external criteria. It contributes to better understanding of saving motives over the lifespan, especially with respect to effects of the future time perspective.

31 CFR 363.100 - What are the rules for purchasing and delivering gift savings bonds to minors?

Science.gov (United States)

2010-07-01

... TreasuryDirect Gifts § 363.100 What are the rules for purchasing and delivering gift savings bonds to minors? (a) A TreasuryDirect ® account owner can purchase a savings bond as a gift with a minor as the recipient. (b) An account owner can deliver a bond purchased as a gift to a minor. The account owner must...

Long-run savings and investment strategy optimization.

Science.gov (United States)

Gerrard, Russell; Guillén, Montserrat; Nielsen, Jens Perch; Pérez-Marín, Ana M

2014-01-01

We focus on automatic strategies to optimize life cycle savings and investment. Classical optimal savings theory establishes that, given the level of risk aversion, a saver would keep the same relative amount invested in risky assets at any given time. We show that, when optimizing lifecycle investment, performance and risk assessment have to take into account the investor's risk aversion and the maximum amount the investor could lose, simultaneously. When risk aversion and maximum possible loss are considered jointly, an optimal savings strategy is obtained, which follows from constant rather than relative absolute risk aversion. This result is fundamental to prove that if risk aversion and the maximum possible loss are both high, then holding a constant amount invested in the risky asset is optimal for a standard lifetime saving/pension process and outperforms some other simple strategies. Performance comparisons are based on downside risk-adjusted equivalence that is used in our illustration.

Long-Run Savings and Investment Strategy Optimization

Directory of Open Access Journals (Sweden)

Russell Gerrard

2014-01-01

Full Text Available We focus on automatic strategies to optimize life cycle savings and investment. Classical optimal savings theory establishes that, given the level of risk aversion, a saver would keep the same relative amount invested in risky assets at any given time. We show that, when optimizing lifecycle investment, performance and risk assessment have to take into account the investor’s risk aversion and the maximum amount the investor could lose, simultaneously. When risk aversion and maximum possible loss are considered jointly, an optimal savings strategy is obtained, which follows from constant rather than relative absolute risk aversion. This result is fundamental to prove that if risk aversion and the maximum possible loss are both high, then holding a constant amount invested in the risky asset is optimal for a standard lifetime saving/pension process and outperforms some other simple strategies. Performance comparisons are based on downside risk-adjusted equivalence that is used in our illustration.

Heat Saving Strategies in Sustainable Smart Energy Systems

DEFF Research Database (Denmark)

Lund, Henrik; Thellufsen, Jakob Zinck; Aggerholm, Søren

that a least‐cost strategy will be to provide approximately 2/3 of the heat demand from district heating and the rest from individual heat pumps. Keywords: Energy Efficiency, Renewable energy, Heating strategy, Heat savings, District heating, Smart energy......One of the important issues related to the implementation of future sustainable smart energy systems based on renewable energy sources is the heating of buildings. Especially, when it comes to long‐term investment in savings and heating infrastructures it is essential to identify long‐term least......‐cost strategies. With Denmark as a case, this paper investigates to which extent heat should be saved rather than produced and to which extent district heating infrastructures, rather than individual heating solutions, should be used. Based on a concrete proposal to implement the Danish governmental long...

Estimating the energy saving potential of telecom operators in China

International Nuclear Information System (INIS)

Yang, Tian-Jian; Zhang, Yue-Jun; Huang, Jin; Peng, Ruo-Hong

2013-01-01

A set of models are employed to estimate the potential of total energy saved of productions and segmented energy saving for telecom operators in China. During the estimation, the total energy saving is divided into that by technology and management, which are derived from technical reform and progress, and management control measures and even marketing respectively, and the estimating methodologies for energy saving potential of each segment are elaborated. Empirical results from China Mobile indicate that, first, the technical advance in communications technology accounts for the largest proportion (70%–80%) of the total energy saved of productions in telecom sector of China. Second, technical reform brings about 20%–30% of the total energy saving. Third, the proportions of energy saving brought by marketing and control measures appear relatively smaller, just less than 3%. Therefore, China's telecom operators should seize the opportunity of the revolution of communications network techniques in recent years to create an advanced network with lower energy consumption

75 FR 22681 - Prohibited Service at Savings and Loan Holding Companies

Science.gov (United States)

2010-04-29

... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Prohibited Service at Savings and Loan... concerning the following information collection: Title of Proposal: Prohibited Service at Savings and Loan... with a savings and loan holding company (SLHC), the SLHC or the individual will need to apply to the...

What is Driving Global Imbalances? The Global Savings Glut Hypothesis Reexamined

Directory of Open Access Journals (Sweden)

Jai-Won Ryou

2009-12-01

Full Text Available In the middle of the global financial crisis, global imbalances seem to have been resolved to some extent, but it remains to be seen whether these imbalances will emerge again along with economic recovery. In order to cope with this global issue, we need to clarify what caused global imbalances in the first place. This paper aims to evaluate the relative importance of the "global savings glut" to the U.S. external imbalances. Drawing on the portfolio balance model, we analyze how the process of interaction between the U.S. current account deficit, capital inflows, and the U.S. dollar exchange rate is linked to domestic and external factors. Our empirical analysis shows that the U.S. current account deficit maintained since the early 1990s is mainly driven by the domestic factors, such as a decrease in the U.S. national savings and an increase in money supply growth. The size of the negative effect of a "global savings glut" measured by an increase in the East Asian countries' national savings (i.e. China, Japan and Korea on the U.S. current account seems to be exaggerated. Meanwhile, current account does not appear to be sensitive to changes in the exchange rate. This finding implies that the rectification of global imbalances is hardly possible to achieve by means of depreciating the U.S. dollar alone while leaving the structural factors unchanged. In order to achieve global rebalancing, the U.S. should increase its savings rate, reduce fiscal deficit, and tighten its money supply. While an increase in the domestic demand in the surplus countries such as China and Japan may be helpful in rectifying global imbalances, it appears to be insufficient per se.

Who's in the business of saving lives?

Science.gov (United States)

Lee Chang, Pepe

2006-10-01

There are individuals, including children, dying needlessly in poverty-stricken third world countries. Many of these deaths could be prevented if pharmaceutical companies provided the drugs needed to save their lives. Some believe that because pharmaceutical companies have the power to save lives, and because they can do so with little effort, they have a special obligation. I argue that there is no distinction, with respect to obligations and responsibilities, between pharmaceutical companies and other types of companies. As a result, to hold pharmaceutical companies especially responsible for saving lives in third world countries is unjustified.

Calculation of the efficiency of accounting outsourcing

Directory of Open Access Journals (Sweden)

H.I. Liakhovych

2018-04-01

Full Text Available To ensure the best performance, enterprises pass on individual business processes for outsourcing. However, the implementation of this step requires an assessment of the effectiveness of such actions. The purpose of the article is to analyze the approaches to assessing the effectiveness of accounting outsourcing and to develop proposals for its methodology, taking into account the main goal of reducing transaction costs. The article defines the composition of the elements of the cost of maintaining accounting in the enterprise. It is proved that the efficiency of accounting outsourcing should be considered in two aspects: 1 it is related to economic efficiency (saving of internal resources of the enterprise due to the transfer of business processes for accounting on outsourcing; 2 is related to the efficiency of the outsourcer's work and the uninterrupted functioning of the enterprise that has taken advantage of outsourcing services. In order to assess the efficiency of the company's services, the outsourcer proposes to use a methodology that takes into account the indicators: the timeliness of the execution of works and the provision of services in accordance with the terms of the contract on outsourcing; completeness of performance of works and provision of services in accordance with the terms of the contract on outsourcing.

A Primitive Individualization of Time and Method in a Beginning Accounting Course.

Science.gov (United States)

Singer, Frank A.

An experimental first year course in accounting was offered which utilized the concept of individualized instruction. The students were mostly sophomores at the University of Massachusetts. Two teaching assistants and the instructor provided the 60 member sample population with two types of assignment sheets, one relating to the textbook, one…

Frontal theta accounts for individual differences in the cost of conflict on decision making.

Science.gov (United States)

Pinner, John F L; Cavanagh, James F

2017-10-01

Cognitive conflict is often experienced as a difficult, frustrating, and aversive state. Recent studies have indicated that conflict acts as an implicit cost during learning, valuation, and the instantiation of cognitive control. Here we investigated if an implicit manipulation of conflict also influences explicit decision making to risk. Participants were required to perform a Balloon Analogue Risk Task wherein the virtual balloon was inflated by performing a flankers task. By varying the percent of incongruent flanker trials between balloons, we hypothesized that participants would pump the balloon fewer times in conditions of higher conflict and that frontal midline theta would account for significant variance in this relationship. Across two studies, we demonstrate that conflict did not elicit reliable behavioral changes in this task across participants. However, individual differences in frontal theta power accounted for significant variance by predicting diminished balloon pumps. Thus, while conflict costs may act as investments to some individuals (invigorating behavior), it is aversive to others (diminishing behavior), and frontal midline theta power accounts for these varying behavioral tendencies between individuals. These findings demonstrate how frontal midline theta is not only a candidate mechanism for implementing cognitive control, but it is sensitive to the inherent costs therein. Copyright © 2017 Elsevier B.V. All rights reserved.

Bandwidth Study on Energy Use and Potential Energy Savings Opportunities in U.S. Petroleum Refining

Energy Technology Data Exchange (ETDEWEB)

Sabine Brueske, Caroline Kramer, Aaron Fisher

2015-06-01

Energy bandwidth studies of U.S. manufacturing sectors can serve as foundational references in framing the range (or bandwidth) of potential energy savings opportunities. This bandwidth study examines energy consumption and potential energy savings opportunities in U.S. petroleum refining. The study relies on multiple sources to estimate the energy used in nine individual process areas, representing 68% of sector-wide energy consumption. Energy savings opportunities for individual processes are based on technologies currently in use or under development; these potential savings are then extrapolated to estimate sector-wide energy savings opportunity.

Potential Cost Savings Ideas for FAA and Users

Science.gov (United States)

1997-06-04

The intent of this paper is to catalogue potential cost-savings ideas which : impact both the FAA and the aviation community. These ideas have come from : various sources including MITRE, Coopers & Lybrand (C&L), FAA studies, General : Accounting Off...

Electricity saving in households-A social cognitive approach

International Nuclear Information System (INIS)

Thogersen, John; Gronhoj, Alice

2010-01-01

We propose a conceptual framework for understanding the (lack of) energy saving efforts of private households based on Bandura's (1986) social cognitive theory. Results from applying this framework on a sample of Danish private electricity consumers are presented and it is concluded (a) that households' electricity consumption depends on both structural and motivational factors, (b) that their electricity saving effort depends on the strength of their internalized norms or self-expectations and on self-efficacy related factors, and (c) that there are predictable patterns of interaction among household members that influence their electricity consumption. The results suggest two approaches to promote electricity saving in households: (1) to change the socio-structural environment to be more facilitating for energy saving and empower householders to be more effective in their striving towards this goal through improved feedback about their household's electricity consumption and (2) social norms marketing, communicating social expectations and others' successful electricity saving achievements. - Research highlights: →A combination of survey and meter reading data is used to analyze energy saving in households. →Up to two adults from each household answered the questionnaire. →Dyadic data analysis is used to investigate interactions between household members. →Both structural and motivational factors account for households' electricity consumption. →Electricity saving efforts depends on internalized norms, self-efficacy and social interaction.

Electricity saving in households-A social cognitive approach

Energy Technology Data Exchange (ETDEWEB)

Thogersen, John, E-mail: jbt@asb.d [Aarhus University, School of Business and Social Sciences, Department of Marketing, Haslegaardsvej 10, DK-8210 Aarhus (Denmark); Gronhoj, Alice, E-mail: alg@asb.d [Aarhus University, School of Business and Social Sciences, Department of Marketing, Haslegaardsvej 10, DK-8210 Aarhus (Denmark)

2010-12-15

We propose a conceptual framework for understanding the (lack of) energy saving efforts of private households based on Bandura's (1986) social cognitive theory. Results from applying this framework on a sample of Danish private electricity consumers are presented and it is concluded (a) that households' electricity consumption depends on both structural and motivational factors, (b) that their electricity saving effort depends on the strength of their internalized norms or self-expectations and on self-efficacy related factors, and (c) that there are predictable patterns of interaction among household members that influence their electricity consumption. The results suggest two approaches to promote electricity saving in households: (1) to change the socio-structural environment to be more facilitating for energy saving and empower householders to be more effective in their striving towards this goal through improved feedback about their household's electricity consumption and (2) social norms marketing, communicating social expectations and others' successful electricity saving achievements. - Research highlights: {yields}A combination of survey and meter reading data is used to analyze energy saving in households. {yields}Up to two adults from each household answered the questionnaire. {yields}Dyadic data analysis is used to investigate interactions between household members. {yields}Both structural and motivational factors account for households' electricity consumption. {yields}Electricity saving efforts depends on internalized norms, self-efficacy and social interaction.

Heat Saving Strategies in Sustainable Smart Energy Systems

Directory of Open Access Journals (Sweden)

Henrik Lund

2014-06-01

Full Text Available This paper investigates to which extent heat should be saved rather than produced and to which extent district heating infrastructures, rather than individual heating solutions, should be used in future sustainable smart energy systems. Based on a concrete proposal to implement the Danish governmental 2050 fossil-free vision, this paper identifies marginal heat production costs and compares these to marginal heat savings costs for two different levels of district heating. A suitable least-cost heating strategy seems to be to invest in an approximately 50% decrease in net heat demands in new buildings and buildings that are being renovated anyway, while the implementation of heat savings in buildings that are not being renovated hardly pays. Moreover, the analysis points in the direction that a least-cost strategy will be to provide approximately 2/3 of the heat demand from district heating and the rest from individual heat pumps.

12 CFR 561.28 - Money Market Deposit Accounts.

Science.gov (United States)

2010-01-01

... 561.28 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY DEFINITIONS FOR... more than six transfers per calendar month or statement cycle (or similar period) of at least four... savings association the depository savings association must either place funds in another account that the...

A Note on Causal Relationship between FDI and Savings in Bangladesh

Directory of Open Access Journals (Sweden)

Mohammad SALAHUDDIN

2010-11-01

Full Text Available This paper aims to investigate the causal relationship between foreign direct investment and gross domestic savings in Bangladesh over a period of 1985-2007. In doing so, Johansen cointegration technique and error correction methods are employed to examine the long run and short run relationship between foreign direct investment and gross domestic savings. To determine the direction of causality, we used innovation accounting approach. Results suggest that there exist bi-directional causal relationship between foreign direct investment and gross domestic savings but the movement is stronger from domestic savings to foreign direct investment. The result also implies complimentary relationship between them and as such, policy makers in Bangladesh need to focus on the determinants of both FDI and domestic savings in order to accelerate its growth.

Bandwidth Study on Energy Use and Potential Energy Saving Opportunities in U.S. Chemical Manufacturing

Energy Technology Data Exchange (ETDEWEB)

Sabine Brueske, Caroline Kramer, Aaron Fisher

2015-06-01

Energy bandwidth studies of U.S. manufacturing sectors can serve as foundational references in framing the range (or bandwidth) of potential energy savings opportunities. This bandwidth study examines energy consumption and potential energy savings opportunities in U.S. chemical manufacturing. The study relies on multiple sources to estimate the energy used in the production of 74 individual chemicals, representing 57% of sector-wide energy consumption. Energy savings opportunities for individual chemicals and for 15 subsectors of chemicals manufacturing are based on technologies currently in use or under development; these potential savings are then extrapolated to estimate sector-wide energy savings opportunity.

Epidemiological accountability: philanthropists, global health and the audit of saving lives

Science.gov (United States)

Reubi, David

2018-01-01

Abstract There have been concerns about the recent private turn and re-emergence of philanthropies in world health, with many worrying about philanthropies’ perceived lack of transparency and accountability. In contrast, I argue that while the private turn might have led to a decline in democratic or public accountability, it did not bring an end to all forms of accountability. Specifically, I suggest that philanthropists’ involvement in global health has led to the spread of another, new form of accountability: epidemiological accountability. The latter is a combination of two regimes of expertise and practices hitherto kept separate: audit and epidemiology. To substantiate this argument, I draw on my research on the Bloomberg Initiative – a global effort to reduce tobacco use spearheaded by the Bloomberg and Gates foundations. PMID:29805316

Life-cycle asset allocation with focus on retirement savings

DEFF Research Database (Denmark)

Konicz, Agnieszka Karolina

We consider optimal asset allocation of a pension saver with uncertain lifetime. The objective is to maximize the expected utility of the retirement savings. The model accounts for characteristics of a pension saver given by her mortality risk, risk attitude, type of retirement contract, trading...... costs, taxes, and uncertain labor income. The problem is solved using a combination of a multi-stage stochastic linear programming (SLP) model and stochastic optimal control, such that the practical application is emphasized. Both solutions are integrated into the SLP formulation. The decisions...... schemes are considered with different payout possibilities: lump sum payment at retirement and payment in installments. Richard’s model is extended by introducing deferred labor income linear taxation of contributions to the pension savings. The first year decisions account moreover for aspects...

Energy savings potential from energy-conserving irrigation systems

Energy Technology Data Exchange (ETDEWEB)

Wilfert, G.L.; Patton, W.P.; Harrer, B.J.; Clark, M.A.

1982-11-01

This report systematically compares, within a consistent framework, the technical and economic characteristics of energy-conserving irrigation systems with those of conventional irrigation systems and to determine total energy savings. Levelized annual costs of owning and operating both energy-conserving and conventional irrigation systems have been developed and compared for all 17 states to account for the differences in energy costs and irrigation conditions in each state. Market penetration of energy-conserving systems is assessed for those systems having lower levelized annual costs than conventional systems performing the same function. Annual energy savings were computed by matching the energy savings per system with an assumed maximum market penetration of 100 percent in those markets where the levelized annual costs of energy-conserving systems are lower than the levelized annual costs of conventional systems.

12 CFR 7.1018 - Automatic payment plan account.

Science.gov (United States)

2010-01-01

... 7.1018 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY BANK ACTIVITIES AND... dividends at the current rate paid on regular savings accounts. The depositor, upon reaching a previously designated age, receives his or her accumulated savings and earned interest in installments of equal amounts...

Stop saving the planet! Carbon accounting of superheroes and their impacts on climate change

Science.gov (United States)

Traer, M. M.; Haupt, R. J.; Grubert, E.

2017-12-01

In the pursuit of justice, Superman leaps tall buildings in a single bound (Siegel & Shuster, 1933). Ironman invents and deploys inconceivable technology to defeat evil forces (Lee et al., 1963). And Batman outfits himself with everything a flying-vigilante-mammal needs to battle the corrupt underbelly of Gotham City (Finger & Kane, 1939). In their own way, superheroes try to make the planet a better place for us mere mortals. But given the global environmental crisis underway, shouldn't we examine superheroes more thoroughly? As fellow inhabitants of Earth, don't we owe it to ourselves to question how much Iron-Man and his rocket boots contribute to global warming? Or how many pounds of carbon dioxide the Batmobile releases into the atmosphere? In other words, shouldn't we know which superpowers are really saving the planet, and which might actually be hurting it? In this analysis, we explore nine representative superheroes and use carbon accounting techniques, including life-cycle assessment, to determine which characters are truly best for the environment. We consider a number of super-powers with clear carbon sources including advanced computational technology, extreme calorie-rich diets, maintenance of impressive physiques, and material combustion. We find that, combined, our representative superheroes emit more carbon dioxide than most countries. Of course we're still grateful that our superheroes are protecting us from terrifying threats. But when it comes to climate change, we're all in this together.

Future cost savings from engineering innovations

International Nuclear Information System (INIS)

Roemer, R.E.; Foster, D.C.; Jacobs, S.B.

1987-01-01

Nuclear power plant design and operating experience in the 1970s and 1980s continues to provide feedback to the technology base. The lessons learned in these two decades, coupled with engineering innovation, will lead to improvements and cost-reductions in the plants of the 1990s. Two types of innovations related to piping are described: snubber reduction and pipe rupture elimination. A brief account of the industry experience is given for each, followed by an account of the technical methodology involved. A discussion of expected benefits, including cost savings of millions of dollars (U.S.), is provided. (author)

We Save, We Go to College. Creating a Financial Stake in College: Report III of IV

Science.gov (United States)

Elliott, William, III

2012-01-01

"Creating a Financial Stake in College" is a four-part series of reports that focuses on the relationship between children's savings and improving college success. This series examines: (1) why policymakers should care about savings, (2) the relationship between inequality and bank account ownership, (3) the connections between savings and college…

The carbon buster's home energy handbook : slowing climate change and saving money

International Nuclear Information System (INIS)

Stoyke, G.

2007-01-01

This book presented solutions for reducing household energy use and environmental impacts. It is intended for those who are concerned about global warming, rising fuel costs and environmental stewardship. It included practical suggestions and clearly explained measures that can help an individual reduce their greenhouse gas emissions and save money on energy bills. It listed best choices that individuals can make to contribute to a more sustainable world by reducing their carbon footprint. In addition to providing tips for saving energy and money, the book provided tools to weigh various energy efficiency options. It focused on products and technologies that can solve the problem of household contributions to the greenhouse gas problem by making good buying choices. It was shown that the intelligent use of appropriate technology can help avoid environmental problems. A detailed carbon accounting for a typical North American family's carbon emissions was presented along with strategies to reduce emissions by up to 73 per cent. The measures that yield the highest return for the environment and the wallet were evaluated. For example, the effectiveness of solar panels versus buying a hybrid car was measured, along with the cost in buying a $500 fridge that uses 800 kWh of power per year. The Carbon Buster strategies described in this book have an average annual return of 32 per cent. refs., tabs., figs

Antecedents and Consequences of Individual Performance Analysis of Turnover Intention Model (Empirical Study of Public Accountants in Indonesia)

OpenAIRE

Raza, Hendra; Maksum, Azhar; Erlina; Lumban Raja, Prihatin

2014-01-01

Azhar Maksum This study aims to examine empirically the antecedents of individual performance on its consequences of turnover intention in public accounting firms. There are eight variables measured which consists of auditors' empowerment, innovation professionalism, role ambiguity, role conflict, organizational commitment, individual performance and turnover intention. Data analysis is based on 163 public accountant using the Structural Equation Modeling assisted with an appli...

Assessment of retinal sensitivity using a time-saving strategy in normal individuals

Directory of Open Access Journals (Sweden)

Suzumura H

2012-11-01

Full Text Available Hirotaka Suzumura,1 Keiji Yoshikawa,2 Shiro Mizoue,3 Ryoko Hyodo,4 Tairo Kimura5 1Eye Department, Nakano General Hospital, Tokyo, 2Yoshikawa Eye Clinic, Tokyo, 3Department of Ophthalmology, Ehime University, Ehime, 4Eye Department, Minami Matsuyama Hospital, Ehime, 5Ueno Eye Clinic, Tokyo, JapanBackground: The purpose of this study was to compare retinal sensitivities in normal individuals obtained using the Swedish Interactive Threshold Algorithm Standard (SITA-S on the Humphrey field analyzer with those obtained using the Dynamic strategy on the Octopus.Methods: Prior to visual field examinations, the background luminance, stimulus size, and exposure time with the Octopus 101 were conformed to the Humphrey field analyzer II settings. Volunteers over 20 years of age without apparent ophthalmic abnormalities were examined with the SITA-S central 30-2 program followed by the Dynamic 32 program. Eye with corrected visual acuity ≥0.8, refraction ≥ −6.0 diopters, and fields with satisfactory levels of reliability in SITA-S and Dynamic were selected.Results: Sixty-seven eyes from 67 normal individuals of mean age 51.3 ± 16.3 (range 22–76 years satisfied the selection criteria and were analyzed. Mean retinal sensitivity was significantly (P < 0.0001 higher with SITA-S (29.0 ± 2.4 dB than with Dynamic (26.8 ± 2.1 dB. Changes in retinal sensitivity with increasing age were significantly (P = 0.0003 greater with Dynamic (−0.09 ± 0.04 dB/year; 95% confidence interval [CI] −0.10 to −0.08 dB/year than with SITA-S (−0.07 ± 0.04 dB/year, 95% CI −0.08 to −0.06 dB/year. When classifying the visual field into three areas (central, mid-peripheral, and peripheral, retinal sensitivities with SITA-S were significantly higher in all areas than with Dynamic (P < 0.0001 for all three areas.Conclusion: Differences in Dynamic and SITA-S strategies may contribute to the differences in retinal sensitivities observed in normal individuals

78 FR 23827 - Designation of Eighteen Individuals Pursuant to the Sergei Magnitsky Rule of Law Accountability...

Science.gov (United States)

2013-04-22

... DEPARTMENT OF THE TREASURY Office of Foreign Assets Control Designation of Eighteen Individuals Pursuant to the Sergei Magnitsky Rule of Law Accountability Act of 2012 AGENCY: Office of Foreign Assets... blocked pursuant to the Sergei Magnitsky Rule of Law Accountability Act of 2012 (Pub. L. 112-208, December...

Grading Innovation in an International Marketing Course: Promoting Student Collaboration and Individual Accountability

Science.gov (United States)

Chelminski, Piotr

2017-01-01

In this article, the author proposes an innovative, exam-based homework grading method to facilitate both collaboration among students and individual accountability while learning a complex theory and applying it to solve a problem. Results from this novel approach to grading a "comparative advantage theory" homework assignment, using an…

Revolving fund for energy saving

International Nuclear Information System (INIS)

Prebensen, K.

1993-01-01

A key issue in Eastern Europe is the adjustment of prices from the former COMECON level to a level conforming with free market conditions. In the case of household heating, this issue involves the removal of government subsidies leading to sharply increasing prices, metering of individual consumption, improving the efficiency of energy production, distribution and use - where savings of 30-50% in each link are technically feasible - thereby providing a potential for a adapting consumption patterns to higher energy prices, provided that funds are available. Currently, investment in commercial heat production and distribution systems have received substantial international support - whereas investment in reduction of demand has been little exploited. The Revolving Fund for Energy Savings in Polish Households is a concept for efficient financing of small-scale projects. It aims at financing, on the level of housing cooperatives, on the basis of a simplified lending and project evaluation procedure, well suited to current Polish conditions or an organizationally and financially weak banking system and little developed technical knowledge in the field of energy saving. A general introduction to the issue is given and technical problems are elaborated. The implementation of Energy Savings in Housing seen from the banking point of view, and a current pilot scheme for financing, are described. (AB)

Public administration electricity savings. Offentlige energibesparelser; Nyere danske erfaringer

Energy Technology Data Exchange (ETDEWEB)

Gjelstrup, G

1991-01-01

Analysis on how different types of public authorities experienced carrying out electricity savings showed that the individual public authority's internal political-administrative organizational form is of major importance for the possibilities of realizing potential electricity savings. In addition, it can be concluded that only certain public authorities have utilized external assistance in connection with effecting electricity savings. In these cases there has been some accordance between the particular authority's internal, political-administrative, organization and the organizational form presupposed in the external assistance offered. In spite of this, the public authorities in question have, in general, not progressed very far with electricity savings. Part of the reason for this lies namely in the fact that the special importance the mode of organization has for electricity savings, has been overlooked in this type of assistance. (CLS) 43 refs.

Public administration electricity savings. Offentlige energibesparelser; Nyere danske erfaringer

Energy Technology Data Exchange (ETDEWEB)

Gjelstrup, G.

1991-01-01

Analysis on how different types of public authorities experienced carrying out electricity savings showed that the individual public authority's internal political-administrative organizational form is of major importance for the possibilities of realizing potential electricity savings. In addition, it can be concluded that only certain public authorities have utilized external assistance in connection with effecting electricity savings. In these cases there has been some accordance between the particular authority's internal, political-administrative, organization and the organizational form presupposed in the external assistance offered. In spite of this, the public authorities in question have, in general, not progressed very far with electricity savings. Part of the reason for this lies namely in the fact that the special importance the mode of organization has for electricity savings, has been overlooked in this type of assistance. (CLS) 43 refs.

Alberta Heritage Savings Trust Fund : 1998 annual report

International Nuclear Information System (INIS)

1999-01-01

A review of the Alberta Heritage Savings Trust Fund as it operated under the new investment framework established in 1997 was presented. The new statutory mission of the Fund is to provide stewardship of the savings from Alberta's non-renewable resources by providing the greatest financial returns on those savings for current and future generations of Albertans. In 1998, the Fund earned $947 million in income with nearly $25 million of income being retained to ensure that the value of the Fund grows to off-set the effects of inflation. Net assets of the Fund on March 31, 1998 was $ 12.3 billion. Operation of the Fund, the accounting method used, and details about the Transition Portfolio and the Endowment Portfolio are provided. An assessment of Alberta's economic climate accompanies the auditor's report and the detailed financial statements of the Fund. tabs

A method for estimating maternal and newborn lives saved from health-related investments funded by the UK government Department for International Development using the Lives Saved Tool

Directory of Open Access Journals (Sweden)

Ingrid K. Friberg

2017-11-01

Full Text Available Abstract Background In 2010, the UK Government Department for International Development (DFID committed through its 'Framework for results for reproductive, maternal and newborn health (RMNH' to save 50,000 maternal lives and 250,000 newborn lives by 2015. They also committed to monitoring the performance of this portfolio of investments to demonstrate transparency and accountability. Methods currently available to directly measure lives saved are cost-, time-, and labour-intensive. The gold standard for calculating the total number of lives saved would require measuring mortality with large scale population based surveys or annual vital events surveillance. Neither is currently available in all low- and middle-income countries. Estimating the independent effect of DFID support relative to all other effects on health would also be challenging. Methods The Lives Saved Tool (LiST is an evidence based software for modelling the effect of changes in health intervention coverage on reproductive, maternal, newborn and child mortality. A multi-country LiST-based analysis protocol was developed to retrospectively assess the total annual number of maternal and newborn lives saved from DFID aid programming in low- and middle-income countries. Results Annual LiST analyses using the latest program data from DFID country offices were conducted between 2013 and 2016, estimating the annual number of maternal and neonatal lives saved across 2010–2015. For each country, independent project results were aggregated into health intervention coverage estimates, with and in the absence of DFID funding. More than 80% of reported projects were suitable for inclusion in the analysis, with 151 projects analysed in the 2016 analysis. Between 2010 and 2014, it is estimated that DFID contributed to saving the lives of 15,000 women in pregnancy and childbirth with health programming and 88,000 with family planning programming. It is estimated that DFID health programming

A method for estimating maternal and newborn lives saved from health-related investments funded by the UK government Department for International Development using the Lives Saved Tool.

Science.gov (United States)

Friberg, Ingrid K; Baschieri, Angela; Abbotts, Jo

2017-11-07

In 2010, the UK Government Department for International Development (DFID) committed through its 'Framework for results for reproductive, maternal and newborn health (RMNH)' to save 50,000 maternal lives and 250,000 newborn lives by 2015. They also committed to monitoring the performance of this portfolio of investments to demonstrate transparency and accountability. Methods currently available to directly measure lives saved are cost-, time-, and labour-intensive. The gold standard for calculating the total number of lives saved would require measuring mortality with large scale population based surveys or annual vital events surveillance. Neither is currently available in all low- and middle-income countries. Estimating the independent effect of DFID support relative to all other effects on health would also be challenging. The Lives Saved Tool (LiST) is an evidence based software for modelling the effect of changes in health intervention coverage on reproductive, maternal, newborn and child mortality. A multi-country LiST-based analysis protocol was developed to retrospectively assess the total annual number of maternal and newborn lives saved from DFID aid programming in low- and middle-income countries. Annual LiST analyses using the latest program data from DFID country offices were conducted between 2013 and 2016, estimating the annual number of maternal and neonatal lives saved across 2010-2015. For each country, independent project results were aggregated into health intervention coverage estimates, with and in the absence of DFID funding. More than 80% of reported projects were suitable for inclusion in the analysis, with 151 projects analysed in the 2016 analysis. Between 2010 and 2014, it is estimated that DFID contributed to saving the lives of 15,000 women in pregnancy and childbirth with health programming and 88,000 with family planning programming. It is estimated that DFID health programming contributed to saving 187,000 newborn lives. It is

TRENDS IN RETIREMENT SAVING: EVIDENCE FROM AN ONLINE SURVEY OF ROMANIAN HOUSEHOLDS

Directory of Open Access Journals (Sweden)

GURAN (TEODORESCU ILEANA

2015-04-01

Full Text Available In the context of the population aging and the demographic crisis throughout Europe and the developed world, the public pension systems will become increasingly strained as the proportion of pensioners to the working population will continue to increase. Empirical evidence shows that individuals fail to save enough for retirement to compensate for the less than optimal level of public pensions, and thus are facing the risk of a decrease in the standard of living in their post-retirement years. This larger context makes the study of retirement saving behavior an important matter. The objective of this paper is to document current trends in retirement saving behavior from the data collected through an online survey of Romanian households. The survey was distributed as an online questionnaire that collected 1285 of responses. The survey’s objective was to document households’ financial situation, as well as other psychological and social factors that might explain saving behavior. The analysis of the survey results indicates that there is a gap between intentions and actions when it comes to retirement saving. This gap and the resulting suboptimal retirement saving rates are explained in behavioral economics literature by anomalies in the inter-temporal choices of individuals, subject to self-control issues. We will see to what extent this gap is due to self-control issues and to what extent it is explained by the current financial situation of individuals. We will also conclude about possible retirement saving behavior influencing factors and motives.

Central Accountability System (CLAS)

International Nuclear Information System (INIS)

Hairston, L.A.

1991-01-01

The Central Accountability System (CLAS) is a high level accountability system that consolidates data from the site's 39 material balance areas (MBA) for reporting to Westinghouse Savannah River Company (WSRC) management, Department of Energy (DOE) and the Nuclear Materials Management and Safeguards System (NMMSS) in Oak Ridge, TN. Development of the system began in 1989 and became operational in April, 1991. The CLAS system enhances data accuracy and accountability records, resulting in increased productivity and time and cost savings. This paper reports that the system is in compliance with DOE Orders and meets NMMSS reporting requirements. WSRC management is provided with the overall status of the site's nuclear material inventory. CLAS gives WSRC a leading edge in accounting technology and enhances good accounting practices

Bandwidth Study on Energy Use and Potential Energy Saving Opportunities in U.S. Pulp and Paper Manufacturing

Energy Technology Data Exchange (ETDEWEB)

Sabine Brueske, Caroline Kramer, Aaron Fisher

2015-06-01

Energy bandwidth studies of U.S. manufacturing sectors can serve as foundational references in framing the range (or bandwidth) of potential energy savings opportunities. This bandwidth study examines energy consumption and potential energy savings opportunities in U.S. pulp and paper manufacturing. The study relies on multiple sources to estimate the energy used in six individual process areas, representing 52% of sector-wide energy consumption. Energy savings opportunities for individual processes are based on technologies currently in use or under development; the potential savings are then extrapolated to estimate sector-wide energy savings opportunity

Household Savings

DEFF Research Database (Denmark)

Browning, Martin; Lusardi, Annamaria

suggested in the informal saving literature can be captured in the standard optimizing model. Particular attention is given to recent work on the precautionary motive and its implications for saving and consumption behavior. We also discuss the "behavioral" or "psychological" approach that eschews the use......In this survey, we review the recent theoretical and empirical literature on household saving and consumption. The discussion is structured around a list of motives for saving and how well the standard theory captures these motives. We show that almost all of the motives for saving that have been...

Why Policymakers Should Care about Children's Savings. Creating a Financial Stake in College: Report I of IV

Science.gov (United States)

Elliott, William, III

2012-01-01

"Creating a Financial Stake in College" is a four-part series of reports that focuses on the relationship between children's savings and improving college success. This series examines: (1) why policymakers should care about savings, (2) the relationship between inequality and bank account ownership, (3) the connections between savings and college…

An empirical study of the substitution of foreign for domestic savings in Brazil

Directory of Open Access Journals (Sweden)

Luiz Carlos Bresser-Pereira

2014-01-01

Full Text Available This study aims to investigate the relations between the level of the real exchange rate, foreign savings and domestic savings in Brazil. The appreciation of the domestic currency caused by financing the current account deficit reduces the expected profit rate in the tradable goods industry, leading to a drop in domestic savings and the substitution of foreign for domestic savings. An econometric analysis of the Brazilian economy indicates a stable long-term relation between the exchange rate and domestic savings, and that relative devaluations of the real exchange rate positively and significantly affect domestic savings in 1994–2013. The estimations’ results persist even after the period is divided into two samples, after tests showing the presence of a structural break in the model in 2002. In addition, the results of the estimations performed on the two samples confirm the presence of substitution of foreign for domestic savings.

Are Women Empowered to Save?

Directory of Open Access Journals (Sweden)

Frances Woolley

2013-12-01

Full Text Available Female economic empowerment – rising earnings, increased opportunities, greater labour force participation – has given many women the means to save. The shifting of responsibility for retirement security from employers and governments onto individuals has given women a reason to save. But are women actually saving? In this paper, we explore the relationship between the gender dynamics within a family and the accumulation of wealth. We find that little evidence in support of the conventional wisdom that families with a female financial manager save more and repay their debts more often. We find some evidence that male financial management leads to greater savings, and other evidence suggesting that savings patterns have a complex relationship with intra-family gender dynamics. El empoderamiento económico de la mujer – el aumento de los ingresos, mayores oportunidades, mayor participación laboral – ha dado a muchas mujeres los medios para ahorrar. Al pasar la responsabilidad de los ingresos de la jubilación de los empleadores y el gobierno a los individuos ha dado a las mujeres un motivo para ahorrar. ¿Pero realmente ahorran las mujeres? En este artículo se analizan las relaciones entre las dinámicas de género en una familia, y la acumulación de riqueza. Se ha llegado a la conclusión de que hay poca evidencia que apoye la creencia convencional de que las familias en las que una mujer gestiona las financias ahorran más y devuelven sus créditos más frecuentemente. Se ha encontrado alguna evidencia de que la gestión financiera por varones acarrea mayores ahorros, y otras evidencias que sugieren que los patrones de ahorro tienen una relación compleja con las dinámicas de género dentro de la familia.

A Basic Library for Savings Institutions. Third Edition.

Science.gov (United States)

Skeen, Molly M., Comp.; Wessell, Deborah P., Comp.

This booklet provides brief descriptions of approximately 180 books, journals, looseleaf services, and reference materials pertinent to the thrift industry. It is noted that the bibliography can be used to establish a savings institution library or to update the collection of an existing one. Topics covered include accounting, data processing,…

A Basic Library for Savings Institutions. Second Edition.

Science.gov (United States)

Skeen, Molly M.; Wessell, Deborah P.

This booklet provides brief descriptions of approximately 115 books, journals, looseleaf services, and reference materials pertinent to the thrift industry. It is noted that the bibliography can be used to establish a savings institution library or to update the collection of an existing one. Topics covered include finance, accounting, interest…

The Saving Behaviour of a Two Person Household

DEFF Research Database (Denmark)

Browning, Martin

and portfolio choice taking into account differences in preferences for saving. The model is a non-cooperative game in which each person can use their own current income to contribute to current (household) consumption or to a range of assets. The results derived are in marked contrast to 'unitary' models...... on the distribution of income within the household. It is also shown that the introduction of an actuarially fair state pension scheme may have non-neutral effects on saving. Finally it is shown that households may invest in both an annuity and insurance for the same person which is not possible in a unitary model...

Bandwidth Study on Energy Use and Potential Energy Saving Opportunities in U.S. Iron and Steel Manufacturing

Energy Technology Data Exchange (ETDEWEB)

Keith Jamison, Caroline Kramer, Sabine Brueske, Aaron Fisher

2015-06-01

Energy bandwidth studies of U.S. manufacturing sectors can serve as foundational references in framing the range (or bandwidth) of potential energy savings opportunities. This bandwidth study examines energy consumption and potential energy savings opportunities in U.S. iron and steel manufacturing. The study relies on multiple sources to estimate the energy used in six individual process areas and select subareas, representing 82% of sector-wide energy consumption. Energy savings opportunities for individual processes and subareas are based on technologies currently in use or under development; the potential savings are then extrapolated to estimate sector-wide energy savings opportunity.

Savings impact of a corporate energy manager

International Nuclear Information System (INIS)

Sikorski, B.D.; O'Donnell, B.A.

1999-01-01

This paper discusses the cost savings impact of employing an energy manager with a 16,000-employee corporation. The corporation, Canada's second largest airline, is currently operating nearly 3,000,000 ft 2 of mixed-use facilities spread across the country, with an annual energy budget for ground facilities of over Cdn $4,000,000. This paper outlines the methodology used by the energy manager to deploy an energy management program over a two-year period between April 1995 and May 1997. The paper examines the successes and the lessons learned during the period and summarizes the costs and benefits of the program. The energy manager position was responsible for developing an energy history database with more than 100 active accounts and for monitoring and verifying energy savings. The energy manager implemented many relatively low-cost energy conservation measures, as well as some capital projects, during the first two years of the program. In total, these measures provided energy cost savings of $210,000 per year, or 5% of the total budget. In each case, technologies installed as part of the energy retrofit projects provided not only cost savings but also better control, reduced maintenance, and improved working conditions for employees

Consumer Products Advertised to Save Energy--Let the Buyer Beware.

Science.gov (United States)

1981-07-24

AD-AL06 653 GENERAL ACCOUNTING OFFICE WASHINGTON DC HUMAN RESOUR--ETC F/G 5/3 CONSUMER PRODUCTS ADVERTISED TO SAVE ENERGY--LET THE BUYER BEWA-ETC...COMPTROLLER GENERAL’S CONSUMER PRODUCTS ADVERTISED REPORT TO THE CONGRESS TO SAVE ENERGY- - LET THE BUYER BEWARE D IG E ST In efforts to reduce energy costs...and comparable, GAO believes that the best ad- vice for consumers is "let the buyer beware." (See p. 42.) F’TC ’S COMMENTS FTC said that GAO

Do Savings Mediate Changes in Adolescents' Future Orientation and Health-Related Outcomes? Findings From Randomized Experiment in Uganda.

Science.gov (United States)

Karimli, Leyla; Ssewamala, Fred M

2015-10-01

This present study tests the proposition that an economic strengthening intervention for families caring for AIDS-orphaned adolescents would positively affect adolescent future orientation and psychosocial outcomes through increased asset accumulation (in this case, by increasing family savings). Using longitudinal data from the cluster-randomized experiment, we ran generalized estimating equation models with robust standard errors clustering on individual observations. To examine whether family savings mediate the effect of the intervention on adolescents' future orientation and psychosocial outcomes, analyses were conducted in three steps: (1) testing the effect of intervention on mediator; (2) testing the effect of mediator on outcomes, controlling for the intervention; and (3) testing the significance of mediating effect using Sobel-Goodman method. Asymmetric confidence intervals for mediated effect were obtained through bootstrapping-to address the assumption of normal distribution. Results indicate that participation in a matched Child Savings Account (CSA) program improved adolescents' future orientation and psychosocial outcomes by reducing hopelessness, enhancing self-concept, and improving adolescents' confidence about their educational plans. However, the positive intervention effect on adolescent future orientation and psychosocial outcomes was not transmitted through saving. In other words, participation in the matched CSA program improved adolescent future orientation and psychosocial outcomes regardless of its impact on reported savings. Further research is necessary to understand exactly how participation in economic strengthening interventions, for example, those that employ matched CSAs, shape adolescent future orientation and psychosocial outcomes: what, if not savings, transmits the treatment effect and how? Copyright © 2015 Society for Adolescent Health and Medicine. Published by Elsevier Inc. All rights reserved.

Energy savings in dynamic and resilient optical networks based on traffic-aware strategies

DEFF Research Database (Denmark)

Turus, Ioan; Fagertun, Anna Manolova; Dittmann, Lars

2014-01-01

andconnections. Results show that symbol-rateadaptation provides high savings for unprotected scenarios (37% energy savings w.r.t. unprotected Baseline), while for theprotected scenarios better results are obtained for modulationformat adaptation which includes sleep-mode (57.1% energysavings w.r.t. protected...... Baseline). Moreover, compared to theBaseline scenarios the Mixed adaptation, combining bothsymbol-rate and modulation format, is the most power-efficientstrategy providing 39% energy savings for unprotected scenarioand 70% energy savings for dedicated protection scenario.......An analysis of the energy savingsis presentedwhen taking into account a complete traffic model for a one-yeartime period. Daily and weekly traffic fluctuations as well asyearly traffic growth are considered whenanalyzing the powerconsumption.Low power mode in optoelectronic devices (sleep...

How "accountable" are accountable care organizations?

Science.gov (United States)

Addicott, Rachael; Shortell, Stephen M

2014-01-01

The establishment of accountable care organizations (ACOs) in the Affordable Care Act (ACA) was intended to support both cost savings and high-quality care. However, a key challenge will be to ensure that governance and accountability mechanisms are sufficient to support those twin ambitions. This exploratory study considers how recently developed ACOs have established governance structures and accountability mechanisms, particularly focusing on attempts at collaborative accountability and shared governance arrangements. Four case studies of ACOs across the United States were undertaken, with data collected throughout 2012. These involved 34 semistructured interviews with ACO administrative and clinical leaders, observation of nine meetings, and a review of documentary materials from each ACO. We identified very few examples of physicians being held to account as a collective and therefore only limited evidence of collaborative accountability impacting on behavior change. However, ACO leaders do have many mechanisms available to stimulate change across physicians. The challenge is to determine governance structure(s) and accountability mechanisms that facilitate the most effective combination of approaches, measures, incentives, and sanctions to achieve the goals of more accountable care. Accountability structures and processes will need to be tailored to local membership composition, historical evolution, and current stage of development. There are also some common lessons to be drawn. Shared goals and incentives should be reflected through performance criteria. It is important to align measures and thresholds across payers to ensure ACOs are not unnecessarily burdened or compromised by reporting on different and potentially disjointed measures. Finally, emphasis needs to be placed on the importance of credible, transparent data. This exploratory study provides early evidence regarding how ACOs are establishing their governance and accountability arrangements and

Quantifying Adoption Rates and Energy Savings Over Time for Advanced Manufacturing Technologies

Energy Technology Data Exchange (ETDEWEB)

Hanes, Rebecca [National Renewable Energy Laboratory (NREL), Golden, CO (United States); Carpenter Petri, Alberta C [National Renewable Energy Laboratory (NREL), Golden, CO (United States); Riddle, Matt [Argonne National Laboratory; Graziano, Diane [Argonne National Laboratory

2017-10-09

Energy-efficient manufacturing technologies can reduce energy consumption and lower operating costs for an individual manufacturing facility, but increased process complexity and the resulting risk of disruption means that manufacturers may be reluctant to adopt such technologies. In order to quantify potential energy savings at scales larger than a single facility, it is necessary to account for how quickly and how widely the technology will be adopted by manufacturers. This work develops a methodology for estimating energy-efficient manufacturing technology adoption rates using quantitative, objectively measurable technology characteristics, including energetic, economic and technical criteria. Twelve technology characteristics are considered, and each characteristic is assigned an importance weight that reflects its impact on the overall technology adoption rate. Technology characteristic data and importance weights are used to calculate the adoption score, a number between 0 and 1 that represents how quickly the technology is likely to be adopted. The adoption score is then used to estimate parameters for the Bass diffusion curve, which quantifies the change in the number of new technology adopters in a population over time. Finally, energy savings at the sector level are calculated over time by multiplying the number of new technology adopters at each time step with the technology's facility-level energy savings. The proposed methodology will be applied to five state-of-the-art energy-efficient technologies in the carbon fiber composites sector, with technology data obtained from the Department of Energy's 2016 bandwidth study. Because the importance weights used in estimating the Bass curve parameters are subjective, a sensitivity analysis will be performed on the weights to obtain a range of parameters for each technology. The potential energy savings for each technology and the rate at which each technology is adopted in the sector are quantified

Goal clarity and financial planning activities as determinants of retirement savings contributions.

Science.gov (United States)

Stawski, Robert S; Hershey, Douglas A; Jacobs-Lawson, Joy M

2007-01-01

Retirement counselors, financial service professionals, and retirement intervention specialists routinely emphasize the importance of developing clear goals for the future; however, few empirical studies have focused on the benefits of retirement goal setting. In the present study, the extent to which goal clarity and financial planning activities predict retirement savings practices was examined among 100 working adults. Path analysis techniques were used to test two competing models, both of which were designed to predict savings contributions. Findings provide support for the model in which retirement goal clarity is a significant predictor of planning practices, and planning, in turn, predicts savings tendencies. Two demographic variables-income and age-were also revealed to be important elements of the model, with income accounting for roughly half of the explained variance in savings contributions. The results of this study have implications for the development of age-based models of planning, as well as implications for retirement counselors and financial planners who advise workers on long-term saving strategies.

Energy savings potential from improved building controls for the US commercial building sector

Energy Technology Data Exchange (ETDEWEB)

Fernandez, Nick; Katipamula, Srinivas; Wang, Weimin; Xie, Yulong; Zhao, Mingjie

2017-09-27

The U.S. Department of Energy’s (DOE’s) Building Technologies Office (BTO) sponsored a study to determine the potential national savings achievable in the commercial building sector through widespread deployment of best practice controls, elimination of system and component faults, and use of better sensing. Detailed characterization of potential savings was one source of input to set research, development, and deployment (RD&D) goals in the field of building sensors and controls. DOE’s building energy simulation software, EnergyPlus, was employed to estimate the potential savings from 34 measures in 9 building types and across 16 climates representing almost 57% of commercial building sector energy consumption. In addition to estimating savings from individual measures, three packages of measures were created to estimate savings from the packages. These packages represented an 1) efficient building, 2) typical building, and 3) inefficient building. To scale the results from individual measures or a package to the national scale, building weights by building type and climate locations from the Energy Information Administration’s 2012 Commercial Building Energy Consumption Survey (CBECS) were used. The results showed significant potential for energy savings across all building types and climates. The total site potential savings from individual measures by building type and climate location ranged between 0% and 25%. The total site potential savings by building type aggregated across all climates (using the CBECS building weights) for each measure varied between 0% and 16%. The total site potential savings aggregated across all building types and climates for each measure varied between 0% and 11%. Some individual measures had negative savings because correcting underlying operational problems (e.g., inadequate ventilation) resulted in increased energy consumption. When combined into packages, the overall national savings potential is estimated to be 29

Private Sector Savings

Directory of Open Access Journals (Sweden)

Pitonáková Renáta

2018-03-01

Full Text Available The majority of household savings are in the form of bank deposits. It is therefore of interest for credit institutions to tailor their deposit policy for getting finances from non-banking entities and to provide the private sector with the loans that are necessary for investment activities and consumption. This paper deals with the determinants of the saving rate of the private sector of Slovakia. Economic, financial and demographic variables influence savings. Growth of income per capita, private disposable income, elderly dependency ratio, real interest rate and inflation have a positive impact on savings, while increases in public savings indicate a crowding out effect. The inflation rate implies precautionary savings, and dependency ratio savings for bequest. There are also implications for governing institutions deciding on the implementation of appropriate fiscal and monetary operations.

Wealth Accumulation and Factors Accounting for Success.

Science.gov (United States)

Pawasutipaisit, Anan; Townsend, Robert M

2011-03-01

We use detailed income, balance sheet, and cash flow statements constructed for households in a long monthly panel in an emerging market economy, and some recent contributions in economic theory, to document and better understand the factors underlying success in achieving upward mobility in the distribution of net worth. Wealth inequality is decreasing over time, and many households work their way out of poverty and lower wealth over the seven year period. The accounts establish that, mechanically, this is largely due to savings rather than incoming gifts and remittances. In turn, the growth of net worth can be decomposed household by household into the savings rate and how productively that savings is used, the return on assets (ROA). The latter plays the larger role. ROA is, in turn, positively correlated with higher education of household members, younger age of the head, and with a higher debt/asset ratio and lower initial wealth, so it seems from cross-sections that the financial system is imperfectly channeling resources to productive and poor households. Household fixed effects account for the larger part of ROA, and this success is largely persistent, undercutting the story that successful entrepreneurs are those that simply get lucky. Persistence does vary across households, and in at least one province with much change and increasing opportunities, ROA changes as households move over time to higher-return occupations. But for those households with high and persistent ROA, the savings rate is higher, consistent with some micro founded macro models with imperfect credit markets. Indeed, high ROA households save by investing in their own enterprises and adopt consistent financial strategies for smoothing fluctuations. More generally growth of wealth, savings levels and/or rates are correlated with TFP and the household fixed effects that are the larger part of ROA.

Does Daylight Saving Save Energy? A Meta-Analysis

OpenAIRE

Havránek, Tomáš; Herman, Dominik; Irsova, Zuzana

2016-01-01

The original rationale for adopting daylight saving time (DST) was energy savings. Modern research studies, however, question the magnitude and even direction of the effect of DST on energy consumption. Representing the first meta-analysis in this literature, we collect 162 estimates from 44 studies and find that the mean reported estimate indicates modest energy savings: 0.34% during the days when DST applies. The literature is not affected by publication bias, but the results vary systemati...

Exchange rate regimes, saving glut and the Feldstein Horioka puzzle: The East Asian experience

Science.gov (United States)

Kaya-Bahçe, Seçil; Özmen, Erdal

2008-04-01

This paper investigates whether the recent experience of the emerging East Asian countries with current account surpluses is consistent with the “saving glut” hypothesis and the Feldstein and Horioka puzzle. The evidence suggests that the saving retention coefficients declined substantially in most of the countries after an endogenous break date coinciding with a major exchange rate regime change with the 1997-1998 crisis. Exchange rate flexibility appears to be enhancing financial integration. The results are consistent with an “investment slump” explanation rather than the “saving glut” postulation.

75 FR 52459 - Regulations Governing Agencies for Issue of United States Savings Bonds; Offering of United...

Science.gov (United States)

2010-08-26

... eliminate the option to purchase paper savings bonds through payroll deductions for United States government... savings bonds purchased through payroll sales; individuals will still be able to purchase paper savings bonds at financial institutions for themselves and as gifts. Payroll savers will be encouraged to...

Theoretical, Methodological, and Empirical Approaches to Cost Savings: A Compendium

Energy Technology Data Exchange (ETDEWEB)

M Weimar

1998-12-10

This publication summarizes and contains the original documentation for understanding why the U.S. Department of Energy's (DOE's) privatization approach provides cost savings and the different approaches that could be used in calculating cost savings for the Tank Waste Remediation System (TWRS) Phase I contract. The initial section summarizes the approaches in the different papers. The appendices are the individual source papers which have been reviewed by individuals outside of the Pacific Northwest National Laboratory and the TWRS Program. Appendix A provides a theoretical basis for and estimate of the level of savings that can be" obtained from a fixed-priced contract with performance risk maintained by the contractor. Appendix B provides the methodology for determining cost savings when comparing a fixed-priced contractor with a Management and Operations (M&O) contractor (cost-plus contractor). Appendix C summarizes the economic model used to calculate cost savings and provides hypothetical output from preliminary calculations. Appendix D provides the summary of the approach for the DOE-Richland Operations Office (RL) estimate of the M&O contractor to perform the same work as BNFL Inc. Appendix E contains information on cost growth and per metric ton of glass costs for high-level waste at two other DOE sites, West Valley and Savannah River. Appendix F addresses a risk allocation analysis of the BNFL proposal that indicates,that the current approach is still better than the alternative.

CLOUD ACCOUNTING – A NEW PARADIGM OF ACCOUNTING POLICIES

Directory of Open Access Journals (Sweden)

Cristina PRICHICI

2015-04-01

Full Text Available In the current economic background companies invest in finding complete solutions for the integration of all business functions (sales, logistics, accounting aso., control, centralized coordination and harmonization of systems and financial management operations, data storage and resilience of services as well as cost savings. Technological trend of recent years brings forward the concept of cloud computing, an innovative model of processing and storage of data that allows companies to run business processes on IT infrastructures in conditions of economical optimization. Cloud computing allows companies to effectively and economically use IT applications and infrastructures through the model "use as you need and pay as you go". However, before deploying the data and applications in the virtual environment, organizations must take into account the implications of such a decision on the financial reporting process. In this respect, the paper aims to analyze the impact of cloud computing technology onthe main operational modules used for obtaining accounting data for financial reporting.

Energy accounting in nuclear power systems

International Nuclear Information System (INIS)

Symonds, J.L.; Essam, P.; Stocks, K.

1976-01-01

Energy analysis is a systematic way of tracing and accounting for the flows of energy through an industrial system and apportioning a quantity of the primary energy input to each of the goods and services sent out. The application of energy accounting to nuclear power stations and their growth in generating systems is discussed. Misunderstandings arising from discrepancies and weaknesses in some published simple analyses of hypothetical growth situations are outlined. Results of a more complex energy flow analysis are used to demonstrate that current nuclear energy programs are running at an energy profit. Large fossil fuel savings will occur in a real electrical grid system under anticipated nuclear power growth rates. These savings will give a new dimension in planning the use of fossil energy resources which will still be needed for transport and industrial processes, such as steelmaking, for some time to come. (author)

Energy accounting in nuclear power systems

International Nuclear Information System (INIS)

Symonds, J.L.; Essam, P.; Stocks, K.

1975-10-01

Energy analysis is a systematic way of tracing and accounting for the flows of energy through an industrial system and apportioning a quantity of the primary energy input of the goods and services sent out. The application of energy accounting to nuclear power stations and their growth in generating systems is discussed. Misunderstandings arising from discrepancies and weaknesses in some published simple analyses of hypothetical growth situations are outlined. Results of a more complex energy flow analysis are used to demonstrate that current nuclear energy programs are running at an energy profit. Large fossil fuel savings will occur in a real electrical grid system under anticipated nuclear power growth rates. These savings will give a new dimension in planning the use of fossil energy resources which will still be needed for transport and industrial processes, such as steel-making, for some time to come. (author)

Use of material flow accounting for assessment of energy savings: A case of biomass in Slovakia and the Czech Republic

International Nuclear Information System (INIS)

Kanianska, Radoslava; Gustafikova, Tatiana; Kizekova, Miriam; Kovanda, Jan

2011-01-01

Anthropogenic material and energy flows are considered to be the major cause of many environmental problems humans face today. In order to measure material and energy flows, and to mitigate related problems, the technique of material flow and energy flow analysis has been conceived. The aim of this article is to use material and energy flow accounting approaches to quantify the amount of biomass that is available, but that so far has not been used for energy purposes in Slovakia and the Czech Republic and to calculate how much consumed fossil fuels and corresponding CO 2 emissions can be saved by utilising this biomass. Based on the findings presented, 3544 kt/yr of the total unused biomass in Slovakia could replace 53 PJ/yr of energy from fossil fuels and 6294 kt/yr of the total unused biomass in the Czech Republic could replace 91 PJ/yr of energy. Such replacement could contribute to a decrease in total CO 2 emissions by 9.2% in Slovakia and by 5.4% in the Czech Republic and thus contribute to an environmental improvement with respect to climate change. - Research highlights: → The material and energy flow accounting approaches for biomass were applied. → In Slovakia, 3544 kt/yr of the total unused biomass is available. → In the Czech Republic, 6294 kt/yr of the total unused biomass is available. → Such biomass could be used for energy production and thus reduce CO 2 emissions.

Heat Saving Strategies in Sustainable Smart Energy Systems

DEFF Research Database (Denmark)

Lund, Henrik; Thellufsen, Jakob Zinck; Aggerholm, Søren

2014-01-01

This paper investigates to which extent heat should be saved rather than produced and to which extent district heating infrastructures, rather than individual heating solutions, should be used in future sustainable smart energy systems. Based on a concrete proposal to implement the Danish...... governmental 2050 fossil-free vision, this paper identifies marginal heat production costs and compares these to marginal heat savings costs for two different levels of district heating. A suitable least-cost heating strategy seems to be to invest in an approximately 50% decrease in net heat demands in new...... buildings and buildings that are being renovated anyway, while the implementation of heat savings in buildings that are not being renovated hardly pays. Moreover, the analysis points in the direction that a least-cost strategy will be to provide approximately 2/3 of the heat demand from district heating...

Individualizing Medicare.

Science.gov (United States)

Chollet, D J

1999-05-01

Despite the enactment of significant changes to the Medicare program in 1997, Medicare's Hospital Insurance trust fund is projected to be exhausted just as the baby boom enters retirement. To address Medicare's financial difficulties, a number of reform proposals have been offered, including several to individualize Medicare financing and benefits. These proposals would attempt to increase Medicare revenues and reduce Medicare expenditures by having individuals bear risk--investment market risk before retirement and insurance market risk after retirement. Many fundamental aspects of these proposals have yet to be worked out, including how to guarantee a baseline level of saving for health insurance after retirement, how retirees might finance unanticipated health insurance price increases after retirement, the potential implications for Medicaid of inadequate individual saving, and whether the administrative cost of making the system fair and adequate ultimately would eliminate any rate-of-return advantages from allowing workers to invest their Medicare contributions in corporate stocks and bonds.

Lives saved by laws and regulations that resulted from the Bloomberg road safety program.

Science.gov (United States)

Miller, Ted R; Levy, David T; Swedler, David I

2018-04-01

To estimate lives saved during 2008-2023 by traffic safety laws passed in six developing countries while participating in the Bloomberg Road Safety Program (BRSP). BRSP-funded local staff identified relevant laws and described enforcement to the study team. We analyzed road crash death estimates for 2004-2013 from the Global Burden of Disease and projected estimates absent intervention forward to 2023. We amalgamated developing country and US literature to estimate crash death reductions by country resulting from laws governing drink driving, motorcycle helmets, safety belt use, and traffic fines. BRSP helped win approval of traffic safety laws in Brazil, China, Kenya, Mexico, Turkey, and Vietnam. In 2008-2013, those laws saved an estimated 19,000 lives. Many laws only took effect in 2014. The laws will save an estimated 90,000 lives in 2014-2023. Of the 109,000 lives saved, drink driving laws will account for 84%, increased motorcyclist protection for 13%, increased fines and penalty points for 2%, and safety belt usage mandates for 1%. Drink driving reductions in China will account for 56% of the savings and reduced drink driving and motorcycling deaths in Vietnam for 35%. The savings in China will result from a narrow intervention with just 4% estimated effectiveness against drink driving deaths. As a percentage of deaths anticipated without BRSP effort, the largest reductions will be 11% in Vietnam and 5% in Kenya. Viewed as a public health measure, improving traffic safety provided large health gains in developing nations. Copyright © 2018 Elsevier Ltd. All rights reserved.

Energy, Pollutant Emissions and Other Negative Externality Savings from Curbing Individual Motorized Transportation (IMT: A Low Cost, Low Technology Scenario Analysis in Brazilian Urban Areas

Directory of Open Access Journals (Sweden)

Ursula Maruyama

2012-03-01

Full Text Available This article examines the inefficient use of resources in the Brazilian transportation system. The energy use growth and external cost generation in this essential economic sector are considerable, and the trend is towards an increasing problem in the coming years. The continued expansion of Brazilian cities and the increase in demand for mobility is a result of a substantial growth in the number of road transport users, as increased earnings enable lower income groups to acquire and use individual motorized means of transport. The aim of this paper is to estimate the potential gains from reducing individual motorized transport by the year 2020. This investigation concludes that in a conservationist scenario, by prioritizing low cost, low technology public policies—which include operation of Bus Rapid Transit systems, walking and cycling facilities and congestion charges, among others—it should be possible to save over USD 30 billion and USD 26 billion in external transportation and infrastructure costs, respectively, up to 2020. In addition, these public policies can save more than 35 million Tons of Oil Equivalents in energy consumption and avoid almost 4,000 thousand tons of local pollution emissions and 37,500 thousand tons of GHG emissions in the same period.

Saving can save from death anxiety: mortality salience and financial decision-making.

Science.gov (United States)

Zaleskiewicz, Tomasz; Gasiorowska, Agata; Kesebir, Pelin

2013-01-01

Four studies tested the idea that saving money can buffer death anxiety and constitute a more effective buffer than spending money. Saving can relieve future-related anxiety and provide people with a sense of control over their fate, thereby rendering death thoughts less threatening. Study 1 found that participants primed with both saving and spending reported lower death fear than controls. Saving primes, however, were associated with significantly lower death fear than spending primes. Study 2 demonstrated that mortality primes increase the attractiveness of more frugal behaviors in save-or-spend dilemmas. Studies 3 and 4 found, in two different cultures (Polish and American), that the activation of death thoughts prompts people to allocate money to saving as opposed to spending. Overall, these studies provided evidence that saving protects from existential anxiety, and probably more so than spending.

Saving can save from death anxiety: mortality salience and financial decision-making.

Directory of Open Access Journals (Sweden)

Tomasz Zaleskiewicz

Full Text Available Four studies tested the idea that saving money can buffer death anxiety and constitute a more effective buffer than spending money. Saving can relieve future-related anxiety and provide people with a sense of control over their fate, thereby rendering death thoughts less threatening. Study 1 found that participants primed with both saving and spending reported lower death fear than controls. Saving primes, however, were associated with significantly lower death fear than spending primes. Study 2 demonstrated that mortality primes increase the attractiveness of more frugal behaviors in save-or-spend dilemmas. Studies 3 and 4 found, in two different cultures (Polish and American, that the activation of death thoughts prompts people to allocate money to saving as opposed to spending. Overall, these studies provided evidence that saving protects from existential anxiety, and probably more so than spending.

Information Sources and Retirement Savings of Working Women

Science.gov (United States)

Hsua, Chungwen

2016-01-01

This study examined how retirement planning information search was related to retirement savings of working women. By controlling for sociodemographic variables, the study further explored factors associated with individual information sources for retirement planning. An online survey was developed to collect data from a national population,…

Strategic design of cost savings guarantee in energy performance contracting under uncertainty

International Nuclear Information System (INIS)

Deng, Qianli; Jiang, Xianglin; Cui, Qingbin; Zhang, Limao

2015-01-01

Highlights: • A methodology is proposed to assist Energy Service Companies to maintain competitiveness in winning bids. • Uncertainties within the energy cost savings are modeled stochastically using the Monte-Carlo simulation. • A strategic energy savings guarantee design curve is derived, where all points return as appropriate guarantees. • A campus case is presented to demonstrate the applicability for finding appropriate guaranteed savings value. - Abstract: Among the key barriers to profit in Energy Performance Contracting (EPC) are uncertainties about attaining the realized energy cost savings and potential disputes over the guaranteed cost savings. In this paper, a methodology has been proposed to assist the Energy Service Company (ESCO): (1) to evaluate the risk threshold if the guarantee has already been made, and (2) to determine the guarantee design, if the guarantee has not been made yet, that not only promises the ESCO’s profitability from EPC but also maintains its competitiveness to win the bid. Uncertainties within the energy cost savings are modeled stochastically using Monte-Carlo simulation, taking both the energy price fluctuation and the facility performance variability into account. Based on that, a strategic energy savings guarantee design curve is derived, that all the points on it would return as appropriate guarantees. Finally, a campus case is presented to demonstrate the applicability for finding the appropriate guaranteed savings value. This method is also worth popularizing in similar performance-based projects

Energy Savings Lifetimes and Persistence

Energy Technology Data Exchange (ETDEWEB)

Hoffman, Ian M. [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Schiller, Steven R. [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Todd, Annika [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Billingsley, Megan A. [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Goldman, Charles A. [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Schwartz, Lisa C. [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States)

2016-02-01

This technical brief explains the concepts of energy savings lifetimes and savings persistence and discusses how program administrators use these factors to calculate savings for efficiency measures, programs and portfolios. Savings lifetime is the length of time that one or more energy efficiency measures or activities save energy, and savings persistence is the change in savings throughout the functional life of a given efficiency measure or activity. Savings lifetimes are essential for assessing the lifecycle benefits and cost effectiveness of efficiency activities and for forecasting loads in resource planning. The brief also provides estimates of savings lifetimes derived from a national collection of costs and savings for electric efficiency programs and portfolios.

Saving Grace - A Climate Change Documentary Education Program

Science.gov (United States)

Byrne, J. M.; McDaniel, S.; Graham, J.; Little, L.; Hoggan, J. C.

2012-12-01

Saving Grace conveys climate change knowledge from the best international scientists and social scientists using a series of new media formats. An Education and Communication Plan (ECP) has been developed to disseminate climate change knowledge on impacts, mitigation and adaptation for individuals, and for all sectors of society. The research team is seeking contacts with science and social science colleagues around the world to provide the knowledge base for the ECP. Poverty enslaves…and climate change has, and will, spread and deepen poverty to hundreds of millions of people, primarily in the developing world. And make no mistake; we are enslaving hundreds of millions of people in a depressing and debilitating poverty that in numbers will far surpass the horrors of the slave trade of past centuries. Saving Grace is the story of that poverty - and minimizing that poverty. Saving Grace stars the best of the world's climate researchers. Saving Grace presents the science; who, where and why of greenhouse gases that drive climate change; current and projected impacts of a changing climate around the world; and most important, solutions to the climate change challenges we face.

Directions of organisational and low-cost energy saving of engineering enterprises

Directory of Open Access Journals (Sweden)

Dzhedzhula Viacheslav V.

2014-01-01

Full Text Available The article analyses directions of energy saving of industrial enterprises. Taking into account the tendency to continuous growth of cost of energy resources, introduction of measures that would allow reduction of energy consumption of enterprises is an urgent task. One of the most important obstacles in the process of introduction of energy efficient solutions are fund limits and low awareness of owners and managers of industrial enterprises. The article offers a new classification of energy saving measures: apart from traditional expense and organisation measures it introduces the low-cost measures notion. It offers to consider low-cost those measures that are realised by the enterprise by means of own funds, moreover, their repayment term is not more than one year. It offers analytical expression for identification of annual funds saving from introduction of low-cost measures. It considers the process of identification of saving of funds from introduction of some of the main low-cost measures in detail: replacement of lighting units, balancing of ventilation networks and elimination of water leakages from pipelines and water supply equipment. Based on the analysis of bibliography information the article provides a list of main measures on energy saving, which could be referred to the low-cost ones. The proposed approaches would allow paying more attention to practical aspects of realisation of the concept of energy saving in the industry.

Spending to save

DEFF Research Database (Denmark)

Larsen, Anders

2013-01-01

the energy distribution companies meet their overall saving obligation, the net savings impact are about a third of the savings reported by the obligated parties. Further it was found that while energy savings in the public and business sector have a high net impact, some subsidies given under the EEO...... perspective. The evaluation has resulted in noticeable adjustments of the design of the Danish EEO, e.g. introduction of a 1 year payback-time limit for projects receiving subsidies, a minimum baseline for insulation products, and specification of documentation requirements....

Solar Energy as an Alternative to Energy Saving and Pollutant Emissions Reduction

Directory of Open Access Journals (Sweden)

Arina Negoițescu

2016-10-01

Full Text Available In the paper is analyzed thermal solar systems efficiency from the point of view of energy savings and pollutant emissions concentrations exhausted during these installations operation. For this purpose were taking into account four versions of solar panel systems combined with different types of conventional heating sources, for which were simulated the operation conditions. As a result of the simulation, there were obtained the values of energy savings and pollutant emissions during the four systems operation. By analyzing these values, the combined thermal system optimum solution was selected.

Medical Care Expenditures for Individuals with Prediabetes: The Potential Cost Savings in Reducing the Risk of Developing Diabetes.

Science.gov (United States)

Khan, Tamkeen; Tsipas, Stavros; Wozniak, Gregory

2017-10-01

The United States has 86 million adults with prediabetes. Individuals with prediabetes can prevent or delay the development of type 2 diabetes through lifestyle modifications such as participation in the National Diabetes Prevention Program (DPP), thereby mitigating the medical and economic burdens associated with diabetes. A cohort analysis of a commercially insured population was conducted using individual-level claims data from Truven Health MarketScan ® Lab Database to identify adults with prediabetes, track whether they develop diabetes, and compare medical expenditures for those who are newly diagnosed with diabetes to those who are not. This study then illustrates how reducing the risk of developing diabetes by participation in an evidence-based lifestyle change program could yield both positive net savings on medical care expenditures and return on investment (ROI). Annual expenditures are found to be nearly one third higher for those who develop diabetes in subsequent years relative to those who do not transition from prediabetes to diabetes, with an average difference of $2671 per year. At that cost differential, the 3-year ROI for a National DPP is estimated to be as high as 42%. The results show the importance and economic benefits of participation in lifestyle intervention programs to prevent or delay the onset of type 2 diabetes.

Energy Saving by Chopping off Peak Demand Using Day Light

Directory of Open Access Journals (Sweden)

Ashok Kumar Maitra

2011-08-01

Full Text Available An artificial intelligent technique has been implemented in this research using real time datas to calculate how much energy can be chopped from peak load demand. The results are based on real time data that are taken from power delivering centers. These datas do reflect the present condition of power and a solution to those critical conditions during the peak period. These are done in such a way such that helps in judicious scheduling of load. The time based load scheduling has been done so as to understand the basic criteria for solving power crisis during morning peak and early evening peak. The sunray availability and percentage of load that will use day light saving (DLS technique has been taken into account in this work. The results shows that about 0.5% to 1% of load can be shedded off from the peak load period which otherwise is reduction of power. Thus it otherwise also means that an equivalent amount of energy is saved which amounts to a large saving of national money. This result is obtained on monthly and even daily basis. Thus this paper justifies DLS gives a new renewable technique to save energy.

Implementing Suicide Prevention Programs: Costs and Potential Life Years Saved in Canada.

Science.gov (United States)

Vasiliadis, Helen-Maria; Lesage, Alain; Latimer, Eric; Seguin, Monique

2015-09-01

Little is known about the costs and effects of suicide prevention programs at the population level. We aimed to determine (i) the costs associated with a suicide death and using prospective values (ii) the costs and effects of transferring, into a Canadian context, the results of the European Nuremberg Alliance against Depression (NAD) trial with the addition of 4 community-based suicide prevention strategies. These included the training of family physicians in the detection and treatment of depression, population campaigns aimed at increasing awareness about depression, the training of community leaders among first responders and follow-up of individuals who attempted suicide. This study includes a prospective value implementation study design. Using published data and information from interviews with Canadian decision makers, we assessed the costs of a suicide death in the province of Quebec and the costs of potentially implementing the NAD multi-modal suicide prevention programs, and the incremental cost-effectiveness ratio (ICER), from a health care system and societal perspective, associated with the NAD program while considering the friction cost method (FCM) and human capital approach (HCA) (discounted at 3%.) The costs considered included those incurred for the suicide prevention program and direct medical and non-medical costs as well as those related to a police investigation and funeral costs. Indirect costs associated with loss of productivity and short term disability were also considered. Sensitivity analyses were also carried out. Costs presented were in 2010 dollars. The annual total cost of implementing the suicide prevention programs in Quebec reached CAD23,982,293. The most expensive components of the program included the follow-up of individuals who had attempted suicide and psychotherapy for bereaved individuals. These accounted for 39% and 34% of total costs. The ICER associated with the implementation of the programs reached on average CAD3

From accounting convergence to accounting harmonization under the auspices of economic globalization

Directory of Open Access Journals (Sweden)

Ana-Maria Mărculescu

2012-01-01

Full Text Available In the current international economic context is urgently needed more than ever a transparency of business information. This situation is caused by the fact that economic decisions are based on accounting information, and knowing the regional and international accounting rules is crucial to have a correct interpretation of the business connections in the world.The misleading barriers between the independent economic systems, local, national and others the same, have had throughout the history significant implications on the economic policies adopted in each of these systems. Liberalization of capital movements and workforce provides the premises of exploitation the existing opportunities (employment, savings, investments, so. in the technological and economic environments but also the fiscal and monetary models.

Calculating cost savings in utilization management.

Science.gov (United States)

MacMillan, Donna

2014-01-01

A major motivation for managing the utilization of laboratory testing is to reduce the cost of medical care. For this reason it is important to understand the basic principles of cost accounting in the clinical laboratory. The process of laboratory testing includes three distinct components termed the pre-analytic, analytic and post-analytic phases. Utilization management efforts may impact the cost structure of these three phases in different ways depending on the specific details of the initiative. Estimates of cost savings resulting from utilization management programs reported in the literature have often been fundamentally flawed due to a failure to understand basic concepts such as the difference between laboratory costs versus charges and the impact of reducing laboratory test volumes on the average versus marginal cost structure in the laboratory. This article will provide an overview of basic cost accounting principles in the clinical laboratory including both job order and process cost accounting. Specific examples will be presented to illustrate these concepts in various different scenarios. © 2013.

Willingness to pay for energy-saving measures in residential buildings

International Nuclear Information System (INIS)

Banfi, Silvia; Farsi, Mehdi; Jakob, Martin; Filippini, Massimo

2008-01-01

This paper uses a choice experiment to evaluate the consumers' willingness to pay for energy-saving measures in Switzerland's residential buildings. These measures include air renewal (ventilation) systems and insulation of windows and facades. Two groups of respondents consisting respectively of 163 apartment tenants and 142 house owners were asked to choose between their housing status quo and each one of the several hypothetical situations with different attributes and prices. The estimation method is based on a fixed-effects logit model. The results suggest that the benefits of the energy-saving attributes are significantly valued by the consumers. These benefits include both individual energy savings and environmental benefits as well as comfort benefits namely, thermal comfort, air quality and noise protection. (author)

Income inequality, status seeking, and savings rates in Canada

Directory of Open Access Journals (Sweden)

Alexander Bilson Darku

2014-12-01

Full Text Available This paper uses Canadian provincial-level data and a variant of James uesenberry’s relative income hypothesis proposed by Frank et al. (2010 to examine the relationship between income inequality and savings rates. The theory predicts that increased expenditure of top income earners leads those just below them in the income scale to spend more as well, then the next group also spends more, and so on. This phenomenon is due to people’s status seeking behaviour. Hence, increased income inequality will trigger increases in consumption by individuals in all income groups, which in turn leads to declining personal savings rates. The empirical analysis based on this theory led to some interesting findings. First, at the national level, increased income inequality has a significant negative effect on personal savings rates. At the provincial level, the relationship also emerges in eight of ten provinces. Second, both the national and provincial results imply that growth in per capita income that worsens income inequality impacts negatively on personal savings rates. I interpret the results as evidence that social factors such as status-seeking generate consumption interdependence and are significant determinants of consumption and savings decisions of Canadians.

Use of the Spine Adverse Events Severity System (SAVES) in patients with traumatic spinal cord injury. A comparison with institutional ICD-10 coding for the identification of acute care adverse events.

Science.gov (United States)

Street, J T; Thorogood, N P; Cheung, A; Noonan, V K; Chen, J; Fisher, C G; Dvorak, M F

2013-06-01

Observational cohort comparison. To compare the previously validated Spine Adverse Events Severity system (SAVES) with International Classification of Diseases, Tenth Revision codes (ICD-10) codes for identifying adverse events (AEs) in patients with traumatic spinal cord injury (TSCI). Quaternary Care Spine Program. Patients discharged between 2006 and 2010 were identified from our prospective registry. Two consecutive cohorts were created based on the system used to record acute care AEs; one used ICD-10 coding by hospital coders and the other used SAVES data prospectively collected by a multidisciplinary clinical team. The ICD-10 codes were appropriately mapped to the SAVES. There were 212 patients in the ICD-10 cohort and 173 patients in the SAVES cohort. Analyses were adjusted to account for the different sample sizes, and the two cohorts were comparable based on age, gender and motor score. The SAVES system identified twice as many AEs per person as ICD-10 coding. Fifteen unique AEs were more reliably identified using SAVES, including neuropathic pain (32 × more; Ppatient age and severity of paralysis were more reliably correlated to AEs collected through SAVES than ICD-10. Implementation of the SAVES system for patients with TSCI captured more individuals experiencing AEs and more AEs per person compared with ICD-10 codes. This study demonstrates the utility of prospectively collecting AE data using validated tools.

Exploring the time-saving bias: How drivers misestimate time saved when increasing speed

Directory of Open Access Journals (Sweden)

Eyal Peer

2010-12-01

Full Text Available According to the time-saving bias, drivers underestimate the time saved when increasing from a low speed and overestimate the time saved when increasing from a relatively high speed. Previous research used a specific type of task --- drivers were asked to estimate time saved when increasing speed and to give a numeric response --- to show this. The present research conducted two studies with multiple questions to show that the time-saving bias occurs in other tasks. Study 1 found that drivers committed the time-saving bias when asked to estimate (a the time saved when increasing speed or (b the distance that can be completed at a given time when increasing speed or (c the speed required to complete a given distance in decreasing times. Study 2 showed no major differences in estimations of time saved compared to estimations of the remaining journey time and also between responses given on a numeric scale versus a visual analog scale. Study 3 tested two possible explanations for the time-saving bias: a Proportion heuristic and a Differences heuristic. Some evidence was found for use of the latter.

Interactive computer-based instruction: Basic material control and accounting demonstration

International Nuclear Information System (INIS)

Keisch, B.

1993-01-01

The use of interactive, computer-based training (CBT) courses can be a time- and resource-saving alternative to formal instruction in a classroom milieu. With CBT, students can proceed at their own pace, fit the study course into their schedule, and avoid the extra time and effort involved in travel and other special arrangements. The demonstration given here is an abbreviated, annotated version of a recently developed course in basic material control and accounting designed for the MC and A novice. The system used is ''Quest'' which includes multi-media capabilities, individual scoring, and built-in result-reporting capabilities for the course administrator. Efficient instruction and training are more important than ever because of the growing numbers of relatively inexperienced persons becoming active in safeguards

75 FR 10993 - Save Your Vision Week, 2010

Science.gov (United States)

2010-03-10

... proclaim the first week in March of each year as ``Save Your Vision Week.'' NOW, THEREFORE, I, BARACK OBAMA... Your Vision Week, 2010 By the President of the United States of America A Proclamation While many... identified risk factors, early detection methods, and new treatments for many eye conditions, but individuals...

Energy Savings From System Efficiency Improvements in Iowa's HVAC SAVE Program

Energy Technology Data Exchange (ETDEWEB)

Yee, S. [Partnership for Advanced Residential Retrofit, Chicago, IL (United States); Baker, J. [Partnership for Advanced Residential Retrofit, Chicago, IL (United States); Brand, L. [Partnership for Advanced Residential Retrofit, Chicago, IL (United States); Wells, J. [Partnership for Advanced Residential Retrofit, Chicago, IL (United States)

2013-08-01

The objective of this project is to explore the energy savings potential of maximizing furnace and distribution system performance by adjusting operating, installation, and distribution conditions. The goal of the Iowa HVAC System Adjusted and Verified Efficiency (SAVE) program is to train contractors to measure installed system efficiency as a diagnostic tool to ensure that the homeowner achieves the energy reduction target for the home rather than simply performing a tune-up on the furnace or having a replacement furnace added to a leaky system. The PARR research team first examined baseline energy usage from a sample of 48 existing homes, before any repairs or adjustments were made, to calculate an average energy savings potential and to determine which system deficiencies were prevalent. The results of the baseline study of these homes found that, on average, about 10% of the space heating energy available from the furnace was not reaching the conditioned space. In the second part of the project, the team examined a sample of 10 homes that had completed the initial evaluation for more in-depth study. For these homes, the diagnostic data shows that it is possible to deliver up to 23% more energy from the furnace to the conditioned space by doing system tune ups with or without upgrading the furnace. Replacing the furnace provides additional energy reduction. The results support the author's belief that residential heating and cooling equipment should be tested and improved as a system rather than a collection of individual components.

DIVISION OF LABOR IN COOPERATIVE LEARNING‘S INDIVIDUAL ACCOUNTABILITY ACTIVITIES: PROCESS AND BENEFITS FOR EFL LEARNERS

Directory of Open Access Journals (Sweden)

Puji Astuti

2017-12-01

Full Text Available Research revealing the positive effects of cooperative learning (CL on EFL learning is vast and well-documented, yet little is known about the processes occurring within the use of CL in EFL classrooms. This qualitative case study fills the gap in the literature by exploring the role of individual accountability—a principle of and one of the activities in CL—in enhancing EFL learning. The study was conducted in Indonesian middle and high schools‘ EFL classrooms. Document analysis, classroom observations (involving two secondary school teachers and 77 students, and in-depth interviews (involving the two teachers and four focal students were utilized as data collection methods. The gathered data were analyzed using constructivist grounded theory. One of the findings—identified by looking at the relation between the EFL learners as individual accountability performers and the division of labor—substantiated that reciprocity and exchange of information took place in the observed CL groups. Specifically, the division of labor arranged by the procedures of the selected CL structures (including individual accountability activities, i.e., performances and peer interaction made the EFL learners specialize on a certain part of the learning materials—thus creating information gap—and learn from their peers‘ presentations of expertise (i.e., the previously thought about, discussed, and learned information.

31 CFR 317.7 - Obtaining and accounting for bond stock.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Obtaining and accounting for bond stock. 317.7 Section 317.7 Money and Finance: Treasury Regulations Relating to Money and Finance... AGENCIES FOR ISSUE OF UNITED STATES SAVINGS BONDS § 317.7 Obtaining and accounting for bond stock. An...

Energy saving certificates

International Nuclear Information System (INIS)

2005-11-01

The French ministry of economy, finances and industry and the French agency of environment and energy mastery (Ademe) have organized on November 8, 2005, a colloquium for the presentation of the energy saving certificates, a new tool to oblige the energy suppliers to encourage their clients to make energy savings. This document gathers the transparencies presented at this colloquium about the following topics: state-of-the-art and presentation of the energy saving certificates system: presentation of the EEC system, presentation of the EEC standard operations; the energy saving certificates in Europe today: energy efficiency commitment in UK, Italian white certificate scheme, perspectives of the different European systems. (J.S.)

76 FR 16477 - General Reporting and Recordkeeping by Savings Associations and Savings and Loan Holding Companies

Science.gov (United States)

2011-03-23

... Savings Associations and Savings and Loan Holding Companies AGENCY: Office of Thrift Supervision (OTS...), 12 CFR 562.4 (audit of savings association, savings and loan holding company, or affiliate), 12 CFR... the savings association), 12 CFR 584.1(f) (books and records of each savings and loan holding company...

Barriers for realisation of energy savings in buildings; Barrierer for realisering af energibesparelser i bygninger

Energy Technology Data Exchange (ETDEWEB)

Jensen, O.M.

2004-07-01

Many years' efforts within the energy labelling area have shown large saving potentials in heating and use of electricity in buildings. At the same time it has been proved that these saving potentials, even when economically advantageous, only are cashed to a limited extent. The reason to this is ascribed to barriers that meet the individual building owner who wants to start saving energy. Most barriers are known and a lot of these have been sought overcome for some time. The questions are how many barriers still exist, have new barriers arisen and the character of these barriers. On this background the objective of this survey has been to concretize and study the barriers, which are blocking reasonable energy savings. Focus has especially been on barriers for realisation of heating savings, but through a general evaluation of energy savings of barriers other forms of energy saving methods have been taken into consideration. Special interest has been directed towards houses, typically one family houses, which are affected by the Energy Labelling Scheme. The concept barriers include all kinds of barriers, also barriers that not are acknowledged as barriers by the individual house owner, or that on closer inspection turn out to be something else than actual barriers. This note suggests an alternative inertia model, in order to create an idea of the inertness characteristic of the many house owners who understand the message but fail to act on it. (BA)

Advertising energy saving programs: The potential environmental cost of emphasizing monetary savings.

Science.gov (United States)

Schwartz, Daniel; Bruine de Bruin, Wändi; Fischhoff, Baruch; Lave, Lester

2015-06-01

Many consumers have monetary or environmental motivations for saving energy. Indeed, saving energy produces both monetary benefits, by reducing energy bills, and environmental benefits, by reducing carbon footprints. We examined how consumers' willingness and reasons to enroll in energy-savings programs are affected by whether advertisements emphasize monetary benefits, environmental benefits, or both. From a normative perspective, having 2 noteworthy kinds of benefit should not decrease a program's attractiveness. In contrast, psychological research suggests that adding external incentives to an intrinsically motivating task may backfire. To date, however, it remains unclear whether this is the case when both extrinsic and intrinsic motivations are inherent to the task, as with energy savings, and whether removing explicit mention of extrinsic motivation will reduce its importance. We found that emphasizing a program's monetary benefits reduced participants' willingness to enroll. In addition, participants' explanations about enrollment revealed less attention to environmental concerns when programs emphasized monetary savings, even when environmental savings were also emphasized. We found equal attention to monetary motivations in all conditions, revealing an asymmetric attention to monetary and environmental motives. These results also provide practical guidance regarding the positioning of energy-saving programs: emphasize intrinsic benefits; the extrinsic ones may speak for themselves. (c) 2015 APA, all rights reserved).

Measured energy savings and cost-effectiveness of conservation retrofits in commercial buildings

International Nuclear Information System (INIS)

Greely, K.M.; Harris, J.P.; Hatcher, A.M.

1990-01-01

In this study, the authors examine the measured savings and cost-effectiveness of 447 commercial retrofit projects in the US, Canada, and Europe, representing over 1,700 buildings. For these projects, they examine savings and cost-effectiveness by building type and retrofit strategy, savings from individual measures, peak electric demand savings, comparisons of measured vs. predicted savings, and the persistence of savings in the years following a retrofit. Median annual site energy savings amounted to 20 kBtu/ft 2 , or 18% of whole-building usage; median retrofit cost was $0.56/ft 2 (1988 $), the median payback time was 3.1 years, and the median cost of conserved energy was $3.10/site MBtu. When examined by retrofit strategy, they found that projects with only HVAC and/or lighting retrofits had median payback times of one to three years, while those affecting the building shell, either alone or in combination with other types of measures, had payback times of five or more years. Projects in which only maintenance practices were changed typically saved 12% of their pre-retrofit consumption, often using in-house labor. Their research suggests that, despite significant savings and short payback times for the majority of projects, optimum savings are often not being achieved, due to limited owner willingness to invest in all cost-effective measures, as well as to improper retrofit installation and/or maintenance. A comprehensive understanding of energy management as a process is needed, including both inspection and commissioning of installed retrofits and ongoing tracking of energy consumption as an indicator of operating problems

Resource-saving policy in the context of technological updating of ferroalloy production

Directory of Open Access Journals (Sweden)

Yelena Anatolyevna Pozdnyakova

2011-06-01

Full Text Available This paper substantiates the need for technological modernization of ferroalloy production which should be based on energy- and resource-saving technologies. Lean-technology is considered as a tool for effective management of material costs organization. A search algorithm for ways to improve the manufacturing process of a company, with which usage the author suggests a number of areas that require optimization, was developed. Measures aimed at solving the problems of resource-saving at JSC "Klyuchevsky Ferroalloy Plant" were proposed: introduction of resource saving technologies, suggesting involvement in the production of non-liquid products and the use of process waste and upgrading of individual processes. As a result of the proposed activities, tangible results have been achieved: reducing production costs, saving raw materials, reducing storage costs and release of additional areas, decrease of production losses.

Does Structural Inequality Begin with a Bank Account? Creating a Financial Stake in College: Report II of IV

Science.gov (United States)

Elliott, William, III

2012-01-01

"Creating a Financial Stake in College" is a four-part series of reports that focuses on the relationship between children's savings and improving college success. This series examines: (1) why policymakers should care about savings, (2) the relationship between inequality and bank account ownership, (3) the connections between savings and college…

Mitigating the Inequity of the Military Retirement System by Changing the Rules Governing Individual Retirement Accounts for Service Members

National Research Council Canada - National Science Library

Newman, David

1997-01-01

.... It reviews the structure of Individual Retirement Accounts and the Employee Retirement Income Security Act, which governs private-sector retirement plans and their treatment by the Internal Revenue Code...

Insurance Accounts: The Cultural Logics of Health Care Financing.

Science.gov (United States)

Mulligan, Jessica

2016-03-01

The financial exuberance that eventually culminated in the recent world economic crisis also ushered in dramatic shifts in how health care is financed, administered, and imagined. Drawing on research conducted in the mid-2000s at a health insurance company in Puerto Rico, this article shows how health care has been financialized in many ways that include: (1) privatizing public services; (2) engineering new insurance products like high deductible plans and health savings accounts; (3) applying financial techniques to premium payments to yield maximum profitability; (4) a managerial focus on shareholder value; and (5) prioritizing mergers and financial speculation. The article argues that financial techniques obfuscate how much health care costs, foster widespread gaming of reimbursement systems that drives up prices, and "unpool" risk by devolving financial and moral responsibility for health care onto individual consumers. © 2015 by the American Anthropological Association.

Effects of heat and electricity saving measures in district-heated multistory residential buildings

International Nuclear Information System (INIS)

Truong, Nguyen Le; Dodoo, Ambrose; Gustavsson, Leif

2014-01-01

Highlights: • We analyzed the potential for energy savings in district heated buildings. • Measures that reduce more peak load production give higher primary energy savings. • Efficient appliances increase heat demand but give net primary energy savings. • Efficient appliances give the largest net primary energy savings. - Abstract: The effects of heat and electricity saving measures in district-heated buildings can be complex because these depend not only on how energy is used on the demand side but also on how energy is provided from the supply side. In this study, we analyze the effects of heat and electricity saving measures in multistory concrete-framed and wood-framed versions of an existing district-heated building and examine the impacts of the reduced energy demand on different district heat (DH) production configurations. The energy saving measures considered are for domestic hot water reduction, building thermal envelope improvement, ventilation heat recovery (VHR), and household electricity savings. Our analysis is based on a measured heat load profile of an existing DH production system in Växjö, Sweden. Based on the measured heat load profile, we model three minimum-cost DH production system using plausible environmental and socio-political scenarios. Then, we investigate the primary energy implications of the energy saving measures applied to the two versions of the existing building, taking into account the changed DH demand, changed cogenerated electricity, and changed electricity use due to heat and electricity saving measures. Our results show that the difference between the final and primary energy savings of the concrete-framed and wood-framed versions of the case-study building is minor. The primary energy efficiency of the energy saving measures depends on the type of measure and on the composition of the DH production system. Of the various energy saving measures explored, electricity savings give the highest primary energy savings

Flexible Fringe Benefit Plans Save You Money and Keep Employees Happy.

Science.gov (United States)

Johnson, Rob

1987-01-01

This fringe benefit plan saves money for both employers and employees, provides a better fit for employees' actual benefit needs, and allows employees to choose options from a menu of benefits. One option is a flexible spending plan. Employees place a portion of their before-tax income into a special account from which allowable expenses are paid…

17 CFR 230.237 - Exemption for offers and sales to certain Canadian tax-deferred retirement savings accounts.

Science.gov (United States)

2010-04-01

... laws of Canada, the laws of any province or territory of Canada, and the rules or regulations of any federal, provincial, or territorial regulatory authority, or any self-regulatory authority, of Canada. (2... “Registered Retirement Savings Plan” or “Registered Retirement Income Fund” administered under Canadian law...

76 FR 31680 - General Reporting and Recordkeeping by Savings Associations and Savings and Loan Holding Companies

Science.gov (United States)

2011-06-01

... Savings Associations and Savings and Loan Holding Companies AGENCY: Office of Thrift Supervision (OTS... Savings and Loan Holding Companies. OMB Number: 1550-0011. Form Number: N/A. Description: This information...), 12 CFR 562.4 (audit of savings association, savings and loan holding company, or affiliate), 12 CFR...

12 CFR 583.21 - Savings association.

Science.gov (United States)

2010-01-01

... AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.21 Savings association. The term savings association means a Federal savings and loan association or a Federal savings bank chartered under section 5 of the Home Owners' Loan Act, a building and loan, savings and loan or homestead association or a cooperative...

On the assessment of marginal life saving costs for risk acceptance criteria

DEFF Research Database (Denmark)

Fischer, Katharina; Virguez, Edgar; Sánchez-Silva, Mauricio

2013-01-01

: The definition of the marginal life saving costs, the discount rate used for comparing costs and benefits that accrue at different points in time and the time horizon over which future consequences of the decision are taken into account. In the present paper these issues are discussed based on a clear...

Telephone-based disease management: why it does not save money.

Science.gov (United States)

Motheral, Brenda R

2011-01-01

To understand why the current telephone-based model of disease management (DM) does not provide cost savings and how DM can be retooled based on the best available evidence to deliver better value. Literature review. The published peer-reviewed evaluations of DM and transitional care models from 1990 to 2010 were reviewed. Also examined was the cost-effectiveness literature on the treatment of chronic conditions that are commonly included in DM programs, including heart failure, diabetes mellitus, coronary artery disease, and asthma. First, transitional care models, which have historically been confused with commercial DM programs, can provide credible savings over a short period, rendering them low-hanging fruit for plan sponsors who desire real savings. Second, cost-effectiveness research has shown that the individual activities that constitute contemporary DM programs are not cost saving except for heart failure. Targeting of specific patients and activity combinations based on risk, actionability, treatment and program effectiveness, and costs will be necessary to deliver a cost-saving DM program, combined with an outreach model that brings vendors closer to the patient and physician. Barriers to this evidence-driven approach include resources required, marketability, and business model disruption. After a decade of market experimentation with limited success, new thinking is called for in the design of DM programs. A program design that is based on a cost-effectiveness approach, combined with greater program efficacy, will allow for the development of DM programs that are cost saving.

The substantive core of introduction of the saving production into educational process of the higher technical educational institution

Directory of Open Access Journals (Sweden)

Світлана Станіславівна Єрмакова

2016-03-01

Full Text Available Problem and topicality of research consist in the study of theoretical and methodological problems at using the base of saving production in the higher educational institutions taking into account the special features of its activity, specificity of problems and tasks.Aim of the article was the grounding of the system of development of the higher technical education on the principles of economy. The problems consist in disclosure and substantiation of the elements of development of the higher technical education system taking into account the principles of saving production; determination of the possible use of saving production instruments in higher education sphere especially in the modern educational institution.Methods of research were the following: methods of analysis, prognostication, diagnostics, observation, pedagogical experiment.The concretized essence of saving use of the higher technical educational institution resources embodied in experimental monitoring technology of professional training of the future specialists in the higher technological educational institution on the base of idea of saving production. There was proved pedagogical expediency of advanced training of the future specialists in the process of their professional training in the higher technical educational institution on the base of saving production at its professional activity. There were substantiated: the lean-technology of professional training in the higher technical educational institution in the context of idea of continuous education based on principles of saving “production of knowledge” is the system of continuous monitoring of educational process effectiveness and of the saving use of its possibilities in the higher technical educational institution as the dominant of the future engineers training that is directed on the permanent revelation and neutralization of educational losses for the development of professionalism and creation at the expense

Application of environmental accounting to pollution prevention assessments

International Nuclear Information System (INIS)

Del Mar, R.A.

1997-08-01

Environmental accounting represents a major paradigm shift in the way most companies account for costs and benefits. However, it is a change that must be made if pollution prevention is to become institutionalized into the corporate and government mainstream. Pollution prevention investments must be justified on an economic basis; without environmental accounting tools, pollution prevention investments cannot show their true profitability. This is because traditional accounting methods only track billable costs, thus ignoring some of the major benefits of pollution prevention investments, which are indirect savings resulting from a lessening of a company's regulatory compliance burden and present and future liabilities. This paper discusses how to apply environmental accounting principles to pollution prevention assessments to improve the outcome of profitability analyses

ICU early physical rehabilitation programs: financial modeling of cost savings.

Science.gov (United States)

Lord, Robert K; Mayhew, Christopher R; Korupolu, Radha; Mantheiy, Earl C; Friedman, Michael A; Palmer, Jeffrey B; Needham, Dale M

2013-03-01

To evaluate the potential annual net cost savings of implementing an ICU early rehabilitation program. Using data from existing publications and actual experience with an early rehabilitation program in the Johns Hopkins Hospital Medical ICU, we developed a model of net financial savings/costs and presented results for ICUs with 200, 600, 900, and 2,000 annual admissions, accounting for both conservative- and best-case scenarios. Our example scenario provided a projected financial analysis of the Johns Hopkins Medical ICU early rehabilitation program, with 900 admissions per year, using actual reductions in length of stay achieved by this program. U.S.-based adult ICUs. Financial modeling of the introduction of an ICU early rehabilitation program. Net cost savings generated in our example scenario, with 900 annual admissions and actual length of stay reductions of 22% and 19% for the ICU and floor, respectively, were $817,836. Sensitivity analyses, which used conservative- and best-case scenarios for length of stay reductions and varied the per-day ICU and floor costs, across ICUs with 200-2,000 annual admissions, yielded financial projections ranging from -$87,611 (net cost) to $3,763,149 (net savings). Of the 24 scenarios included in these sensitivity analyses, 20 (83%) demonstrated net savings, with a relatively small net cost occurring in the remaining four scenarios, mostly when simultaneously combining the most conservative assumptions. A financial model, based on actual experience and published data, projects that investment in an ICU early rehabilitation program can generate net financial savings for U.S. hospitals. Even under the most conservative assumptions, the projected net cost of implementing such a program is modest relative to the substantial improvements in patient outcomes demonstrated by ICU early rehabilitation programs.

Chapter 3: Commercial and Industrial Lighting Controls Evaluation Protocol. The Uniform Methods Project: Methods for Determining Energy Efficiency Savings for Specific Measures

Energy Technology Data Exchange (ETDEWEB)

Kurnik, Charles W. [National Renewable Energy Laboratory (NREL), Golden, CO (United States); Carlson, Stephen [DNV GL, Madison, WI (United States)

2017-10-04

This Commercial and Industrial Lighting Controls Evaluation Protocol (the protocol) describes methods to account for energy savings resulting from programmatic installation of lighting control equipment in large populations of commercial, industrial, government, institutional, and other nonresidential facilities. This protocol does not address savings resulting from changes in codes and standards, or from education and training activities. When lighting controls are installed in conjunction with a lighting retrofit project, the lighting control savings must be calculated parametrically with the lighting retrofit project so savings are not double counted.

Global precedence effects account for individual differences in both face and object recognition performance

DEFF Research Database (Denmark)

Gerlach, Christian; Starrfelt, Randi

2018-01-01

examine whether global precedence effects, measured by means of non-face stimuli in Navon's paradigm, can also account for individual differences in face recognition and, if so, whether the effect is of similar magnitude for faces and objects. We find evidence that global precedence effects facilitate...... both face and object recognition, and to a similar extent. Our results suggest that both face and object recognition are characterized by a coarse-to-fine temporal dynamic, where global shape information is derived prior to local shape information, and that the efficiency of face and object recognition...

Geology of Woman Saving Concept

Directory of Open Access Journals (Sweden)

Shayesteh Madani

2014-09-01

Full Text Available Money is lubricant and an instrument for economic transaction. Money social dimension has increased over time, transforming it from a sole economic instrument to a device for various transactions. Money economic value in society is indicated through different forms, one of which is saving, in the sense of money accumulation and its use under specific future circumstances. Women, who form half of the society, take specific approaches to money and savings. The current research aims to investigate the perspectives and changing attitude strategy to money and saving among married women. The participants of this study include 20 to 70 year-old employed household married women who were observed phenomenologically and interviewed qualitatively on saving through.   The findings of this study demonstrated women perspectives on various types of saving, ways of saving, transfer methods, saving consumption forms and their mechanism. It also revealed that while money is an economic instrument and possess the economic material; attitudes and acts related to money are influenced by social conditions that has consequently turned saving into a social phenomenon.

Energy saving in Swedish households. The (relative) importance of environmental attitudes

International Nuclear Information System (INIS)

Martinsson, Johan; Lundqvist, Lennart J.; Sundstroem, Aksel

2011-01-01

The objectives for energy saving in the housing sector set by recent Swedish energy and climate policies are quite demanding. This article uses nation-wide Swedish survey data from 2004 to 2007 to explore the potential for achieving those targets. Earlier findings that socio-economic characteristics such as age, housing type and income are strongly linked to higher propensities to save on heating and hot water usage are confirmed by ordered logistic regression models. However, general environmental attitudes are also found to play a crucial role. When assessing the relative importance of socio-economic factors and environmental attitudes, the effect on energy saving is generally greater for the former than the latter. In addition, important interaction effects are identified. In relative terms, the effect of environmental attitudes is clearly stronger among households in apartment blocks than among those in detached housing, and stronger among households with higher income than among those with lower income. We end by discussing the implications for the selection and targeting of policy measures to tap the energy savings potential in the population. - Highlights: → We use Swedish survey data to analyse the determinants of household energy saving. → Housing type plays a crucial role for individuals' propensity to save energy. → Environmental attitudes are clearly more important in high-income households. → Environmental attitudes are clearly more important for people in apartment blocks.

The Contribution of Individual Learning Accounts to the Lifelong Learning Policies of the UK Government: A Case-Study.

Science.gov (United States)

Payne, John

2000-01-01

A survey of 765 adult learners who funded education through the British government's Individual Learning Accounts showed the program brought in new lifelong learning participants, encouraged more demanding learning, and increased participation of underrepresented groups. Advice and guidance played an important role. (SK)

Ethical Perceptions of Accounting Students in a Portuguese University: The Influence of Individual Factors and Personal Traits

Science.gov (United States)

Costa, Alberto J.; Pinheiro, Margarida M.; Ribeiro, Mariana S.

2016-01-01

Our purpose is to empirically examine whether gender, age, work experience, and attendance of a course on ethics affect the ethical perceptions of Portuguese accounting students and analyze the influence of some individual factors that may affect their ethical decision-making. Additionally, we consider the degree of importance assigned to a list…

Public participation in energy saving retrofitting of residential buildings in China

International Nuclear Information System (INIS)

Liu, Wenling; Zhang, Jinyun; Bluemling, Bettina; Mol, Arthur P.J.; Wang, Can

2015-01-01

Highlights: • We compare public participation in three early cases of residential retrofitting in Beijing. • Residents’ involvement in pre-retrofit activities as well as in the choice and use of technologies varied. • More involvement of residents during retrofitting improves energy saving performance. • Taking into account motives and energy use practices of residents improves energy saving through retrofitting. - Abstract: Retrofitting existing residential buildings has been claimed as one crucial way to reduce energy consumption and greenhouse gas emissions within the Chinese residential sector. In China’s government-dominated retrofitting projects, the participation of residents is often neglected. The objective of this paper is to assess the influence level of public participation (before, during and after retrofit) on energy saving by comparing three Beijing neighborhoods with different retrofitting models: a central government-led model, a local government-led model, and an old neighborhood retrofit model. In the three cases data were collected through interviews with neighborhood workers and residents. The results show that residents’ involvement in pre-retrofit activities, in technology selection and in the use of technology differs greatly among the three cases. This study concludes that in order to improve the effectiveness of energy saving interventions, the motives, intentions and living habits of residents need to be given more consideration when designing and implementing retrofitting. By highlighting the importance of public participation this paper contributes to energy saving policy development in China

Global precedence effects account for individual differences in both face and object recognition performance.

Science.gov (United States)

Gerlach, Christian; Starrfelt, Randi

2018-03-20

There has been an increase in studies adopting an individual difference approach to examine visual cognition and in particular in studies trying to relate face recognition performance with measures of holistic processing (the face composite effect and the part-whole effect). In the present study we examine whether global precedence effects, measured by means of non-face stimuli in Navon's paradigm, can also account for individual differences in face recognition and, if so, whether the effect is of similar magnitude for faces and objects. We find evidence that global precedence effects facilitate both face and object recognition, and to a similar extent. Our results suggest that both face and object recognition are characterized by a coarse-to-fine temporal dynamic, where global shape information is derived prior to local shape information, and that the efficiency of face and object recognition is related to the magnitude of the global precedence effect.

If you want to save, focus on the forest rather than on trees. The effects of shifts in levels of construal on saving decisions.

Directory of Open Access Journals (Sweden)

Joanna Rudzinska-Wojciechowska

Full Text Available Although financial decisions are expected to be rational, there is a growing body of experimental research indicating that small psychological changes in one's mind-set in the actual decision-making moment might affect saving ratios. In this article, another type of change in one's mind-set, which can influence saving decisions, is explored, namely the level of construal. Construal level is a key descriptor of people's cognitive representations of targets, and is a way of characterising the mental mind-sets people use. Building on recent advances in the link between construal levels and intertemporal choices, the present research evaluates the effect of shifts in levels of construal in the very moment of decision making on people's propensity to save money. It is suggested that triggering a high-level construal mind-set would influence individuals' financial decisions and result in greater willingness to save than triggering a low-level construal mind-set. This assumption is supported by the findings: across three experiments, those with an abstract mind-set showed an increased willingness to save when compared to those with a concrete mind-set. The first experiment demonstrated that people in an abstract mind-set are more willing to delay financial gratification than those in a concrete mind-set. In the second and third experiments, those with an abstract mind-set showed an increased willingness to save when compared to those with a concrete mind-set. The research provides further evidence that mental states, which can be evoked by previous, unrelated tasks, such as level of cognitive abstraction, can influence everyday financial decisions. It, thus, highlights the role of situational factors that consumers may be not aware of, which still affect their savings decisions.

If you want to save, focus on the forest rather than on trees. The effects of shifts in levels of construal on saving decisions.

Science.gov (United States)

Rudzinska-Wojciechowska, Joanna

2017-01-01

Although financial decisions are expected to be rational, there is a growing body of experimental research indicating that small psychological changes in one's mind-set in the actual decision-making moment might affect saving ratios. In this article, another type of change in one's mind-set, which can influence saving decisions, is explored, namely the level of construal. Construal level is a key descriptor of people's cognitive representations of targets, and is a way of characterising the mental mind-sets people use. Building on recent advances in the link between construal levels and intertemporal choices, the present research evaluates the effect of shifts in levels of construal in the very moment of decision making on people's propensity to save money. It is suggested that triggering a high-level construal mind-set would influence individuals' financial decisions and result in greater willingness to save than triggering a low-level construal mind-set. This assumption is supported by the findings: across three experiments, those with an abstract mind-set showed an increased willingness to save when compared to those with a concrete mind-set. The first experiment demonstrated that people in an abstract mind-set are more willing to delay financial gratification than those in a concrete mind-set. In the second and third experiments, those with an abstract mind-set showed an increased willingness to save when compared to those with a concrete mind-set. The research provides further evidence that mental states, which can be evoked by previous, unrelated tasks, such as level of cognitive abstraction, can influence everyday financial decisions. It, thus, highlights the role of situational factors that consumers may be not aware of, which still affect their savings decisions.

Save Energy: Save Money!

Science.gov (United States)

Eccli, Eugene; And Others

This publication is a collection of inexpensive energy saving tips and home improvements for home owners, particularly in low-income areas or in older homes. Section titles are: (1) Keeping Warm; (2) Getting Heat Where You Need It; (3) Using the Sun; (4) Furnaces, Stoves, and Fireplaces; (5) Insulation and Other Energy Needs; (6) Do-It-Yourself…

The management of personnel records for accountability, good ...

African Journals Online (AJOL)

The management of personnel records for accountability, good governance and protection of human rights at the National University of Science and Technology in ... If you would like more information about how to print, save, and work with PDFs, Highwire Press provides a helpful Frequently Asked Questions about PDFs.

Contract saving schemes

NARCIS (Netherlands)

Ronald, R.; Smith, S.J.; Elsinga, M.; Eng, O.S.; Fox O'Mahony, L.; Wachter, S.

2012-01-01

Contractual saving schemes for housing are institutionalised savings programmes normally linked to rights to loans for home purchase. They are diverse types as they have been developed differently in each national context, but normally fall into categories of open, closed, compulsory, and ‘free

Life-cycle asset allocation with focus on retirement savings

OpenAIRE

Konicz, Agnieszka Karolina

2013-01-01

We consider optimal asset allocation of a pension saver with uncertain lifetime. The objective is to maximize the expected utility of the retirement savings. The model accounts for characteristics of a pension saver given by her mortality risk, risk attitude, type of retirement contract, trading costs, taxes, and uncertain labor income. The problem is solved using a combination of a multi-stage stochastic linear programming (SLP) model and stochastic optimal control, such that the practical a...

31 CFR 363.95 - How may I give, and who can receive, a book-entry savings bond as a gift?

Science.gov (United States)

2010-07-01

... may give a book-entry savings bond as a gift in two ways: (a) An individual may purchase a book-entry..., a book-entry savings bond as a gift? 363.95 Section 363.95 Money and Finance: Treasury Regulations... DEBT REGULATIONS GOVERNING SECURITIES HELD IN TREASURYDIRECT Book-Entry Savings Bonds Purchased Through...

The potential and need for energy saving in standard family detached and semi-detached wooden houses in arctic Greenland

DEFF Research Database (Denmark)

Bjarløv, Søren Peter; Vladyková, Petra

2011-01-01

The paper gives an account of the potential and need for energy saving in standard family detached and semi-detached wooden houses in Greenland. It is based on studies of house construction compared with Building Regulation requirements and the spread of buildings over time. In the climatic...... conditions of Greenland, there is considerable potential for energy saving in houses due to their construction, shape and condition. To estimate the total potential for energy saving and thus reducing CO2 emissions, we carried out a detailed investigation of three typical standard semi-detached family houses...

31 CFR 351.47 - May I purchase definitive Series EE savings bonds through a payroll savings plan?

Science.gov (United States)

2010-07-01

... savings bonds through a payroll savings plan? 351.47 Section 351.47 Money and Finance: Treasury....47 May I purchase definitive Series EE savings bonds through a payroll savings plan? You may purchase... maintains a payroll savings plan. An authorized issuing agent must issue the bonds. ...

12 CFR 561.43 - Savings association.

Science.gov (United States)

2010-01-01

..., chartered under section 5 of the Act, or a building and loan, savings and loan, or homestead association, or... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Savings association. 561.43 Section 561.43... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.43 Savings association. The term savings association means a...

Savings Behavior and Satisfaction with Savings: A Comparison of Low- and High-Income Groups.

Science.gov (United States)

Davis, Elizabeth P.; Schumm, Walter R.

1987-01-01

Data on 1,739 married couples from 13 states were analyzed. Associations between satisfaction with savings and level of savings with measures of motivation to save, motivations to spend, and family resources were found to differ substantially between low- and high-income couples. (Author/CH)

Neural predictors of sensorimotor adaptation rate and savings.

Science.gov (United States)

Cassady, Kaitlin; Ruitenberg, Marit; Koppelmans, Vincent; Reuter-Lorenz, Patricia; De Dios, Yiri; Gadd, Nichole; Wood, Scott; Riascos Castenada, Roy; Kofman, Igor; Bloomberg, Jacob; Mulavara, Ajitkumar; Seidler, Rachael

2018-04-01

In this study, we investigate whether individual variability in the rate of visuomotor adaptation and multiday savings is associated with differences in regional gray matter volume and resting-state functional connectivity. Thirty-four participants performed a manual adaptation task during two separate test sessions, on average 9 days apart. Functional connectivity strength between sensorimotor, dorsal cingulate, and temporoparietal regions of the brain was found to predict the rate of learning during the early phase of the adaptation task. In contrast, default mode network connectivity strength was found to predict both the rate of learning during the late adaptation phase and savings. As for structural predictors, greater gray matter volume in temporoparietal and occipital regions predicted faster early learning, whereas greater gray matter volume in superior posterior regions of the cerebellum predicted faster late learning. These findings suggest that the offline neural predictors of early adaptation may facilitate the cognitive aspects of sensorimotor adaptation, supported by the involvement of temporoparietal and cingulate networks. The offline neural predictors of late adaptation and savings, including the default mode network and the cerebellum, likely support the storage and modification of newly acquired sensorimotor representations. © 2017 Wiley Periodicals, Inc.

31 CFR 359.35 - May I purchase definitive Series I savings bonds through a payroll savings plan?

Science.gov (United States)

2010-07-01

... savings bonds through a payroll savings plan? 359.35 Section 359.35 Money and Finance: Treasury... May I purchase definitive Series I savings bonds through a payroll savings plan? You may purchase definitive bonds through deductions from your pay if your employer maintains a payroll savings plan. An...

Curbing Creative Accounting: Do Religious Environment and Individual Attribute Matter?

Directory of Open Access Journals (Sweden)

Ratna Candra Sari

2018-01-01

Full Text Available The flexibility of accounting standards is one of the drivers of creative accounting. Creative accounting is an ethical dilemma. It seems that creative accounting does not explicitly violate the rules, but led misinterpretation and misdirection in user’s decision- making. The purposes of this study are, to test the differences of ethical perceptions of creative accounting of undergraduate students in religious and public universities; Second, to examine the effects of moral disengagement on ethical perceptions. The data collection method involved a questionnaire to a total of 225 respondents from two religious-based universities and one public university. Analysis of Variance (ANOVA was used to test the hypothesis. The results show that there is a significant difference in students’ethical perceptions between public university and religious-based universities. Thus, there is a significant difference in students’ ethical perceptions students with high and low level moral disengagement. Educational implication and suggestion for future research are proposed.

Risk transfer via energy-savings insurance

International Nuclear Information System (INIS)

Mills, Evan

2003-01-01

Among the key barriers to investment in energy efficiency are uncertainties about attaining projected energy savings and potential disputes over stipulated savings. The fields of energy management and risk management are thus intertwined. While many technical methods have emerged to manage performance risks (e.g. building diagnostics and commissioning), financial methods are less developed in the energy management arena than in other segments of the economy. Energy-savings insurance (ESI) - formal insurance of predicted energy savings - transfers and spreads both types of risk over a larger pool of energy efficiency projects and reduces barriers to market entry of smaller energy service firms who lack sufficiently strong balance sheets to self-insure the savings. ESI encourages those implementing energy-saving projects to go beyond standard measures and thereby achieve more significant levels of energy savings. Insurance providers are proponents of improved savings measurement and verification techniques, as well as maintenance, thereby contributing to national energy-saving objectives. If properly applied, ESI can potentially reduce the net cost of energy-saving projects by reducing the interest rates charged by lenders, and by increasing the level of savings through quality control. Governmental agencies have been pioneers in the use of ESI and could continue to play a role

12 CFR 575.10 - Acquisition and disposition of savings associations, savings and loan holding companies, and...

Science.gov (United States)

2010-01-01

... associations, savings and loan holding companies, and other corporations by mutual holding companies. 575.10... COMPANIES § 575.10 Acquisition and disposition of savings associations, savings and loan holding companies... savings and loan holding company in the stock form that is not a subsidiary holding company, provided the...

Goals and Psychological Accounting

DEFF Research Database (Denmark)

Koch, Alexander Karl; Nafziger, Julia

We model how people formulate and evaluate goals to overcome self-control problems. People often attempt to regulate their behavior by evaluating goal-related outcomes separately (in narrow psychological accounts) rather than jointly (in a broad account). To explain this evidence, our theory...... of endogenous narrow or broad psychological accounts combines insights from the literatures on goals and mental accounting with models of expectations-based reference-dependent preferences. By formulating goals the individual creates expectations that induce reference points for task outcomes. These goal......-induced reference points make substandard performance psychologically painful and motivate the individual to stick to his goals. How strong the commitment to goals is depends on the type of psychological account. We provide conditions when it is optimal to evaluate goals in narrow accounts. The key intuition...

Heat savings and heat generation technologies: Modelling of residential investment behaviour with local health costs

International Nuclear Information System (INIS)

Zvingilaite, Erika; Klinge Jacobsen, Henrik

2015-01-01

The trade-off between investing in energy savings and investing in individual heating technologies with high investment and low variable costs in single family houses is modelled for a number of building and consumer categories in Denmark. For each group the private economic cost of providing heating comfort is minimised. The private solution may deviate from the socio-economical optimal solution and we suggest changes to policy to incentivise the individuals to make choices more in line with the socio-economic optimal mix of energy savings and technologies. The households can combine their primary heating source with secondary heating e.g. a woodstove. This choice results in increased indoor air pollution with fine particles causing health effects. We integrate health cost due to use of woodstoves into household optimisation of heating expenditures. The results show that due to a combination of low costs of primary fuel and low environmental performance of woodstoves today, included health costs lead to decreased use of secondary heating. Overall the interdependence of heat generation technology- and heat saving-choice is significant. The total optimal level of heat savings for private consumers decrease by 66% when all have the option to shift to the technology with lowest variable costs. - Highlights: • Heat saving investment and heat technology choice are interdependent. • Health damage costs should be included in private heating choice optimisation. • Flexibility in heating technology choice reduce the optimal level of saving investments. • Models of private and socioeconomic optimal heating produce different technology mix. • Rebound effects are moderate but varies greatly among consumer categories

Entrepreneurial Saving Practices and Reinvestment

NARCIS (Netherlands)

Beck, Thorsten; Pamuk, Haki; Uras, Burak R.

2017-01-01

We use a novel enterprise survey to gauge the relationship between saving instruments and entrepreneurial reinvestment. We show that while most informal saving practices are not associated with a lower likelihood of reinvestment when compared with formal saving practices, there is a significantly

Risk transfer via energy savings insurance

Energy Technology Data Exchange (ETDEWEB)

Mills, Evan

2001-10-01

Among the key barriers to investment in energy efficiency improvements are uncertainties about attaining projected energy savings and apprehension about potential disputes over these savings. The fields of energy management and risk management are thus intertwined. While many technical methods have emerged to manage performance risks (e.g. building commissioning), financial risk transfer techniques are less developed in the energy management arena than in other more mature segments of the economy. Energy Savings Insurance (ESI) - formal insurance of predicted energy savings - is one method of transferring financial risks away from the facility owner or energy services contractor. ESI offers a number of significant advantages over other forms of financial risk transfer, e.g. savings guarantees or performance bonds. ESI providers manage risk via pre-construction design review as well as post-construction commissioning and measurement and verification of savings. We found that the two mos t common criticisms of ESI - excessive pricing and onerous exclusions - are not born out in practice. In fact, if properly applied, ESI can potentially reduce the net cost of energy savings projects by reducing the interest rates charged by lenders, and by increasing the level of savings through quality control. Debt service can also be ensured by matching loan payments to projected energy savings while designing the insurance mechanism so that payments are made by the insurer in the event of a savings shortfall. We estimate the U.S. ESI market potential of $875 million/year in premium income. From an energy-policy perspective, ESI offers a number of potential benefits: ESI transfers performance risk from the balance sheet of the entity implementing the energy savings project, thereby freeing up capital otherwise needed to ''self-insure'' the savings. ESI reduces barriers to market entry of smaller energy services firms who do not have sufficiently strong balance

Impacts of Commercial Building Controls on Energy Savings and Peak Load Reduction

Energy Technology Data Exchange (ETDEWEB)

Fernandez, Nicholas E.P. [Pacific Northwest National Lab. (PNNL), Richland, WA (United States); Katipamula, Srinivas [Pacific Northwest National Lab. (PNNL), Richland, WA (United States); Wang, Weimin [Pacific Northwest National Lab. (PNNL), Richland, WA (United States); Xie, YuLong [Pacific Northwest National Lab. (PNNL), Richland, WA (United States); Zhao, Mingjie [Pacific Northwest National Lab. (PNNL), Richland, WA (United States); Corbin, Charles D. [Pacific Northwest National Lab. (PNNL), Richland, WA (United States)

2017-05-30

Commercial buildings in the United States use about 18 Quadrillion British thermal units (Quads) of primary energy annually . Studies have shown that as much as 30% of building energy consumption can be avoided by using more accurate sensing, using existing controls better, and deploying advanced controls; hence, the motivation for the work described in this report. Studies also have shown that 10% to 20% of the commercial building peak load can be temporarily managed/curtailed to provide grid services. Although many studies have indicated significant potential for reducing the energy consumption in commercial buildings, very few have documented the actual savings. The studies that did so only provided savings at the whole building level, which makes it difficult to assess the savings potential of each individual measure deployed.

Mind the Gap: The Effectiveness of Incentives to boost Retirement Saving in Europe

OpenAIRE

Axel Börsch-Supan

2004-01-01

Pension reforms all across Europe have a common theme: to reduce the generosity of the pay-as-you-go public pension pillar threatened by population aging, and to build up new pillars by private saving through occupational and individual pension plans. The extent of such retirement saving varies a great deal across Europe. This variation reflects, among other factors, the differences in public pension sys-tems, taxation and capital market regulations. The first part of this paper looks at this...

Individual Learning Account Pilot Initiative: A Learning Tool for the 21st Century. Report to the OPM Director.

Science.gov (United States)

President's Task Force on Federal Training Technology, Washington, DC.

The U.S. Office of Personnel Management (OPM) evaluated the feasibility of individual learning accounts (ILAs) as an approach to workforce development. Thirteen federal agencies volunteered to participate in the initiative. Together, they conducted a total of 17 pilot tests. Some pilot tests included all employees in the agency. Others targeted…

The Effectiveness of Financial Literacy Instruction: The Role of Individual Development Accounts Participation and The Intensity of Instruction

Science.gov (United States)

Bhattacharya, Radha; Gill, Andrew; Stanley, Denise

2016-01-01

We examine improvements in financial knowledge for 8th-grade participants in our financial fitness camp, part of our multifaceted financial literacy program. Eighty-three students enrolled in the camp, and 59 had individual development accounts (IDA). We address several issues raised in the literature by focusing on low-income, predominantly…

A comparative analysis of the epidemiological impact and disease cost-savings of HPV vaccines in France

Science.gov (United States)

Bresse, Xavier; Adam, Marjorie; Largeron, Nathalie; Roze, Stephane; Marty, Remi

2013-01-01

The aim was to compare the epidemiological and economic impact of 16/18 bivalent and 6/11/16/18 quadrivalent HPV vaccination in France, considering differences in licensed outcomes, protection against non-vaccine HPV types and prevention of HPV-6/11-related diseases. The differential impact of the two vaccines was evaluated using a published model adapted to the French setting. The target population was females aged 14–23 y and the time horizon was 100 y. A total of eight different scenarios compared vaccination impact in terms of reduction in HPV-16/18-associated carcinomas (cervical, vulvar, vaginal, anal, penile and head and neck), HPV-6/11-related genital warts and recurrent respiratory papillomatosis, and incremental reduction in cervical cancer due to potential cross-protection. Quadrivalent vaccine was associated with total discounted cost savings ranging from EUR 544–1,020 million vs. EUR 177–538 million with the bivalent vaccination (100-y time horizon). Genital wart prevention thanks to quadrivalent HPV vaccination accounted for EUR 306–380 million savings (37–56% of costs saved). In contrast, the maximal assumed cross-protection against cervical cancer resulted in EUR 13–33 million savings (4%). Prevention of vulvar, vaginal and anal cancers accounted for additional EUR 71–89 million savings (13%). In France, the quadrivalent HPV vaccination would result in significant incremental epidemiological and economic benefits vs. the bivalent vaccination, driven primarily by prevention of genital. The present analysis is the first in the French setting to consider the impact of HPV vaccination on all HPV diseases and non-vaccine types. PMID:23563511

State Regulation of the Savings Market Within the Context of “New Economy” Imperatives

Directory of Open Access Journals (Sweden)

Valeriya Viktorovna Litvin

2015-12-01

Full Text Available In the conditions of “new economy” which today is being shaped due to unprecedented progress of science and technology, and information revolution, we observe significant intensification of insecurity and instability risks as well as scaling-up and devastating impact of the downturn. Financial security of many countries and stable functioning of the national savings schemes are under threat which makes impossible expanded reproduction and further social welfare growth. In addition, over the last decades the financial component of crises has gained its role, new financial technologies and assets have become the key reason for the downturn. In this regard, the study of new potential threats of savings market volatility as a savings system core acquires special relevance. Based on the analysis of the main imperfections of savings market under the conditions of new economy, this article defines and analyzes priority directions of the state activity targeted at ensuring sustainability of the national savings system. The author outlines the scope of legal regulation for the savings market, reveals the peculiarities of its monopolization in the conditions of globalization taking into account specifics of this process on the post-industrial stage of civilization development. Manifestations of external effects in savings market have been investigated as well as mechanisms of neutralizing the negative externalities and encouraging positive ones. Both implications of information incomplete character and internalities referring to it have been examined. The methods to increase market savings saturation with information have been considered. The role of state guarantees to ensure sustainability and stability of the national savings systems development has been shown. Performance criteria for institutions in charge to guarantee savings return have been defined. Directions of improving the state system of safeguards have been offered. Mechanism of

The influence of multiple goals on driving behavior: the case of safety, time saving, and fuel saving.

Science.gov (United States)

Dogan, Ebru; Steg, Linda; Delhomme, Patricia

2011-09-01

Due to the innate complexity of the task drivers have to manage multiple goals while driving and the importance of certain goals may vary over time leading to priority being given to different goals depending on the circumstances. This study aimed to investigate drivers' behavioral regulation while managing multiple goals during driving. To do so participants drove on urban and rural roads in a driving simulator while trying to manage fuel saving and time saving goals, besides the safety goals that are always present during driving. A between-subjects design was used with one group of drivers managing two goals (safety and fuel saving) and another group managing three goals (safety, fuel saving, and time saving) while driving. Participants were provided continuous feedback on the fuel saving goal via a meter on the dashboard. The results indicate that even when a fuel saving or time saving goal is salient, safety goals are still given highest priority when interactions with other road users take place and when interacting with a traffic light. Additionally, performance on the fuel saving goal diminished for the group that had to manage fuel saving and time saving together. The theoretical implications for a goal hierarchy in driving tasks and practical implications for eco-driving are discussed. Copyright © 2011 Elsevier Ltd. All rights reserved.

31 CFR 363.52 - What amount of book-entry Series EE and Series I savings bonds may I purchase in one year?

Science.gov (United States)

2010-07-01

... for Series I savings bonds. (b) Computation of amount for gifts. Bonds purchased or transferred as gifts will be included in the computation of the purchase limitation for the account of the recipient... and Series I savings bonds may I purchase in one year? 363.52 Section 363.52 Money and Finance...

Potential savings from redetermining disability among children receiving supplemental security income benefits.

Science.gov (United States)

Pulcini, Christian D; Kotelchuck, Milton; Kuhlthau, Karen A; Nozzolillo, Alixandra A; Perrin, James M

2012-01-01

To compare the costs of redetermining disability to potential savings in Supplemental Security Income payments associated with different strategies for implementing Continuing Disability Reviews (CDRs) among children potentially enrolled in SSI from 2012 to 2021. We reviewed publicly available reports from the Social Security Administration and Government Accountability Office to estimate costs and savings. We considered CDRs for children ages 1-17 years, excluding mandated low-birth weight and age 18 redeterminations that SSA routinely has performed. If in 2012 the Social Security Administration performs the same number of CDRs for children as in 2010 (16,677, 1% of eligibles) at a cessation rate of 15%, the agency would experience net savings of approximately $145 million in benefit payments. If CDR numbers increased to the greatest level ever (183,211, 22% of eligibles, in 1999) at the same cessation rate, the agency would save approximately $1.6 billion in benefit payments. Increasing the numbers of CDRs for children represents a considerable opportunity for savings. Recognizing the dynamic nature of disability, the agency could reassess the persistence of disability systematically; doing so could free up resources from children who are no longer eligible and help the agency better direct its benefits to recipients with ongoing disability and whose families need support to meet the extra costs associated with raising a child with a major disability. Copyright © 2012 Academic Pediatric Association. Published by Elsevier Inc. All rights reserved.

Saving-enhanced memory: the benefits of saving on the learning and remembering of new information.

Science.gov (United States)

Storm, Benjamin C; Stone, Sean M

2015-02-01

With the continued integration of technology into people's lives, saving digital information has become an everyday facet of human behavior. In the present research, we examined the consequences of saving certain information on the ability to learn and remember other information. Results from three experiments showed that saving one file before studying a new file significantly improved memory for the contents of the new file. Notably, this effect was not observed when the saving process was deemed unreliable or when the contents of the to-be-saved file were not substantial enough to interfere with memory for the new file. These results suggest that saving provides a means to strategically off-load memory onto the environment in order to reduce the extent to which currently unneeded to-be-remembered information interferes with the learning and remembering of other information. © The Author(s) 2014.

12 CFR 330.6 - Single ownership accounts.

Science.gov (United States)

2010-01-01

... signatories on the account are merely authorized to withdraw funds on behalf of the owner. (b) Sole proprietorship accounts. Funds owned by a business which is a “sole proprietorship” (as defined in § 330.1(m... individual account(s) of the person who is the sole proprietor, added to any other individual accounts of...

Social Capital and Savings Behavior

DEFF Research Database (Denmark)

Newman, Carol; Tarp, Finn; Khai, Luu Duc

In this paper, we analyze household savings in rural Vietnam paying particular attention to the factors that determine the proportion of savings held as formal deposits. Our aim is to explore the extent to which social capital can play a role in promoting formal savings behavior. Social capital...

Saving water through global trade

NARCIS (Netherlands)

Chapagain, Ashok; Hoekstra, Arjen Ysbert; Savenije, H.H.G.

2005-01-01

Many nations save domestic water resources by importing water-intensive products and exporting commodities that are less water intensive. National water saving through the import of a product can imply saving water at a global level if the flow is from sites with high to sites with low water

Energy savings in CSFR - building sector

International Nuclear Information System (INIS)

Jacobsen, F.R.

1993-01-01

The Czechoslovak/Danish project on energy savings in buildings proves that it is possible to save up to 30% of the energy in buildings. 10% can be saved at an investment of 27 bill KCS. The total investment that is needed to save 30% is 140 bill KCS. Further energy savings can be obtained through more energy efficient supply systems. Information dissemination is important for the energy saving programme as are economic incentives. Investments in energy savings should be profitable for the investor, but this is not the case in the Czech and Slovak republics today. Changes are needed. Energy prices are still to low, compared to investment costs. Financial possibilities are not satisfactory for private investors. Price systems are not favourable to investment in energy savings. Training is needed for boiler men and energy consultants. Legislation is essential for the support of the full range of activities in the energy sector. Research and Development activities must back up the development of the sector. Pilot projects can illuminate the savings potential. The production of technical equipment for control and metering and production of insulation materials must be promoted. (AB)

SAVE ENERGY IN TEXTILE SMES

Directory of Open Access Journals (Sweden)

SCALIA Mauro

2016-05-01

Full Text Available Efficiency and competitiveness in textile and clothing manufacturing sector must take into account the current and future energy challenges. Energy efficiency is a subject of critical importance for the Textile & Clothing industry, for other sectors and for the society in general. EURATEX has initiated Energy Made-to-Measure, an information campaign running until 2016 to empower over 300 textile & clothing companies, notably SMEs, to become more energy efficient. SET( Save Energy in Textile SMEs a collaborative project co-funded within the European Programme Intelligent Energy Europe II helps companies to understand their energy consumption and allows them to compare the sector benchmarks in different production processes. SET has developed the SET tool, Energy Saving and Efficiency Tool, a free of charge tool customized for textile manufacturers. The SET tool is made up of 4 elements: a stand-alone software (SET Tool for self-assessment based on an Excel application; an on-line part (SET tool Web for advanced benchmarking and comparison of the performances across years; a guiding document for the companies and overview of financial incentives and legal obligations regarding energy efficiency. Designed specifically for small and medium enterprises (SMEs, the SET tool enables the evaluation of energy consumption and recommends measures to reduce the consumption. Prior to modifying the company’s production processes and making investments to increase energy efficiency, textile SMEs need to get different type of information, including legal context, economic and technical peculiarities.

About "Save the Children Committee (India)".

Science.gov (United States)

1996-01-01

This article describes the activity among charitable committees to provide education and shelter to orphans and homeless children in India. "Save The Children Committee" of the All India Women's Conference began operations during the Bengal famine of 1943 by providing shelter to children who were homeless or did not know where their parents were. The Bengal Relief Committee also provided shelters, which later became Children's Homes, which were operated by the Save The Children Committee. Funding support for the homes came from individual donors and organizations. The Bengal government provided Rs.25/month/child for 450 children. Children's homes were set up in Phola, Mymensingh, and Brahmanberia, in the present day Bangladesh, and in Bankura. The Committee took over homes in Mahishadal, Khagda, and Belbeni. After 1948, the Children's Homes in East Pakistan were transferred to India. In 1952, several Children's Committees merged. Funds were supplied by international organizations. Government support levels varied over time. Schools for orphans changed from an emphasis on self-reliance and work to ordinary schooling. Brief descriptions are provided for homes at Pifa, Mangalgunge in Bongaon Subdivision, Thakurpukur in 24-Parganas, and Khagda in Midnapore district. For example, the home at Khagda was begun by the Bengal Relief Committee at the time of the famine of 1944. Save The Children Committee took over its operations in 1946. It is now a home for 21 boys. The boys have access to a good high school, have achieved academically, and received respect from the community.

Financial Literacy of Rural Population as a Determinant of Saving Behavior in Kazakhstan

Directory of Open Access Journals (Sweden)

Gaisina Sholpan

2017-11-01

Full Text Available In rural Kazakhstan, the credit and insurance services are limited and the state support is weak. Therefore, households’ saving is crucial to provide an insurance against the economic and social shocks. The main goal of this study is to contribute to the literature on financial literacy in emerging economies, namely, the effect of financial literacy on saving rates of rural population. Being well educated not always means to be financial literate and make efficient decisions regarding one’s own finance. People with a lower formal education level but with better experience in consuming financial products could be better prepared for making financial decisions including those related to savings. In this paper other socio-economic determinants of saving rates were taken into account, such as an income level, family size and an employment status. This research was carried out in Pavlodar region of Kazakhstan, and the data collection took place in spring 2014. In total, 405 households were surveyed. Results of the analysis show that if a respondent gives at least one correct answer, it positively affects the saving rates as well as one can observe that the higher the financial literacy level, the higher are the saving rates. Availability of state supported financial education programs for rural people will significantly contribute to the financial literacy improvement. At the same time, providing various and appropriate financial products in rural areas will motivate rural people to search for new knowledge and require authorities to intensify activities in this field.

Energy Savings Measure Packages. Existing Homes

Energy Technology Data Exchange (ETDEWEB)

Casey, Sean [National Renewable Energy Lab. (NREL), Golden, CO (United States); Booten, Chuck [National Renewable Energy Lab. (NREL), Golden, CO (United States)

2011-11-01

This document presents the most cost effective Energy Savings Measure Packages (ESMP) for existing mixed-fuel and all electric homes to achieve 15% and 30% savings for each BetterBuildings grantee location across the United States. These packages are optimized for minimum cost to homeowners for source energy savings given the local climate and prevalent building characteristics (i.e. foundation types). Maximum cost savings are typically found between 30% and 50% energy savings over the reference home; this typically amounts to $300 - $700/year.

Chapter 2: Commercial and Industrial Lighting Evaluation Protocol. The Uniform Methods Project: Methods for Determining Energy Efficiency Savings for Specific Measures

Energy Technology Data Exchange (ETDEWEB)

Kurnik, Charles W [National Renewable Energy Laboratory (NREL), Golden, CO (United States); Gowans, Dakers [Left Fork Energy, Harrison, NY (United States); Telarico, Chad [DNV GL, Mahwah, NJ (United States)

2017-11-02

The Commercial and Industrial Lighting Evaluation Protocol (the protocol) describes methods to account for gross energy savings resulting from the programmatic installation of efficient lighting equipment in large populations of commercial, industrial, and other nonresidential facilities. This protocol does not address savings resulting from changes in codes and standards, or from education and training activities. A separate Uniform Methods Project (UMP) protocol, Chapter 3: Commercial and Industrial Lighting Controls Evaluation Protocol, addresses methods for evaluating savings resulting from lighting control measures such as adding time clocks, tuning energy management system commands, and adding occupancy sensors.

The energy saving manual; Das Energiesparbuch

Energy Technology Data Exchange (ETDEWEB)

Goetze, Monika; Pinn, Gudrun

2009-07-01

The constant increase in the cost of electric power, petroleum, gasoline and gas burden the household budget. At the same time, greenhouse gases are speeding up global warming alarmingly. It is time to reconsider our style of living. This guide presents simple and practical hints to reduce energy costs and protect the climate. Exemplary calculations show how up to 1100 Euro can be saved per household member and per annum. Subjects: Identifying fields of excess energy consumption; No wasting of electricity, heat, and warm water; Food, shopping and climate; Mobility and climate protection; How to establish an individual energy conservation profile. (orig.)

SAVING BEHAVIOUR AND DETERMINANTS OF SAVING MOBILIZATION BY RURAL FINANCIAL CO-OPERATORS IN TIGRAI REGION, ETHIOPIA

Directory of Open Access Journals (Sweden)

Sebhatu Kifle Tesfamariam

2012-01-01

Full Text Available This paper identified and examined saving behaviour and determinants of saving mobiliza-tion by the rural co-operators in Southern Tigrai Ethiopia. The input for the study was ob-tained from randomly selected 120 rural household savers from six purposively selected ru-ral savings and credit cooperatives. The result of the study using least squares method showed that savings mobilized is determined by household annual income, amount of loan borrowed and year of member stay in the cooperative. These factors therefore have to be considered in designing strategies aimed at improving the saving mobilization of coopera-tive members in the study area. Besides, economically feasible cooperative societies in the region should be encouraged among the rural households by supporting them with revolv-ing funds as they are more effective and efficient in mobilizing rural savings and provide collateral plus guarantor-based loans with low default rate. This will enable them to boost up their production output and increase their savings thereby stimulating the rural economy.

Do Employer Pension Contributions Reflect Employee Preferences? Evidence from a Retirement Savings Reform in Denmark

DEFF Research Database (Denmark)

Fadlon, Itzik; Laird, Jessica; Nielsen, Torben Heien

2016-01-01

This paper studies how firms set contributions to employer provided 401(k)-type pension plans. Using a reform that decreased the subsidy to contributions to capital pension accounts for Danish workers in the top income tax bracket, we provide strong evidence that employers' contributions are based...... on their employees' savings preferences. We find an immediate decrease in employer contributions to capital accounts, whose magnitude increased in the share of employees directly affected by the reform. This response was large relative to average employee responses within private IRA-type plans and was accompanied...... by a similar magnitude shift of employer contributions to annuity accounts....

Accounting for linkage disequilibrium in genome scans for selection without individual genotypes: The local score approach.

Science.gov (United States)

Fariello, María Inés; Boitard, Simon; Mercier, Sabine; Robelin, David; Faraut, Thomas; Arnould, Cécile; Recoquillay, Julien; Bouchez, Olivier; Salin, Gérald; Dehais, Patrice; Gourichon, David; Leroux, Sophie; Pitel, Frédérique; Leterrier, Christine; SanCristobal, Magali

2017-07-01

Detecting genomic footprints of selection is an important step in the understanding of evolution. Accounting for linkage disequilibrium in genome scans increases detection power, but haplotype-based methods require individual genotypes and are not applicable on pool-sequenced samples. We propose to take advantage of the local score approach to account for linkage disequilibrium in genome scans for selection, cumulating (possibly small) signals from single markers over a genomic segment, to clearly pinpoint a selection signal. Using computer simulations, we demonstrate that this approach detects selection with higher power than several state-of-the-art single-marker, windowing or haplotype-based approaches. We illustrate this on two benchmark data sets including individual genotypes, for which we obtain similar results with the local score and one haplotype-based approach. Finally, we apply the local score approach to Pool-Seq data obtained from a divergent selection experiment on behaviour in quail and obtain precise and biologically coherent selection signals: while competing methods fail to highlight any clear selection signature, our method detects several regions involving genes known to act on social responsiveness or autistic traits. Although we focus here on the detection of positive selection from multiple population data, the local score approach is general and can be applied to other genome scans for selection or other genomewide analyses such as GWAS. © 2017 John Wiley & Sons Ltd.

Quantification of energy savings from Ireland's Home Energy Saving scheme. An ex post billing analysis

Energy Technology Data Exchange (ETDEWEB)

Scheer, J.; Clancy, M.; Ni Hogain, S. [Sustainable Energy Authority of Ireland, Wilton Park House, Wilton Terrace, Dublin 2 (Ireland)

2013-02-15

efficiency and use through heating controls), suggests a technical reduction potential of 5,676 kWh per dwelling. Equating this with the gas reduction in the sample suggests a shortfall of approximately 36{+-}8 % between technical potential and measured savings. This shortfall includes the effects of direct and indirect rebound effects, variations in ex ante assumptions and achieved u values and efficiencies for upgraded dwellings. The profile of household characteristics in the HES sample is influenced by the self-selected nature of scheme participants. Self-selection bias and other possible biases in the sample data impact on the validity of the comparison. Data limitations for individual households across explanatory variables in the control and treatment groups precluded corrections for these biases in the sample; however, the profiles of separate comparable data sets were used where possible to quantify the differences in the explanatory variables and how these might impact on the measured energy saving with reference to the relevant effects identified in the literature.

Connecting possibilistic prudence and optimal saving

Directory of Open Access Journals (Sweden)

Ana María Lucia Casademunt

2013-12-01

Full Text Available In this paper we study the optimal saving problem in the framework of possibility theory. The notion of possibilistic precautionary saving is introduced as a measure of the way the presence of possibilistic risk (represented by a fuzzy number influences a consumer in establishing the level of optimal saving. The notion of prudence of an agent in the face of possibilistic risk is defined and the equivalence between the prudence condition and a positive possibilistic precautionary saving is proved. Some relations between possibilistic risk aversion, prudence and possibilistic precautionary saving were established.

Electric power production contra electricity savings

International Nuclear Information System (INIS)

Schleisner, L.; Grohnheit, P.E.; Soerensen, H.

1991-01-01

The expansion of electricity-producing plants has, in Denmark until now, taken place in accordance with the demand for electricity. Recently, it has been suggested that the cost of the further development of such systems is greater than the cost of instigating and carrying out energy conservation efforts. The aim of the project was to evaluate the consequences for power producing plants of a reduction of the electricity consumption of end-users. A method for the analysis of the costs involved in the system and operation of power plants contra the costs that are involved in saving electricity is presented. In developing a model of this kind, consideration is given to the interplay of the individual saving project and the existing or future electricity supply. Thus it can be evaluated to what extent it would be advisable to substitute investments in the development of the capacity of the power plants with investments in the reduction of electricity consumption by the end users. This model is described in considerable detail. It will be tested in representative situations and locations throughout the Nordic countries. (AB) 17 refs

Moonlight project promotes energy-saving technology

Science.gov (United States)

Ishihara, A.

1986-01-01

In promoting energy saving, development of energy conservation technologies aimed at raising energy efficiency in the fields of energy conversion, its transportation, its storage, and its consumption is considered, along with enactment of legal actions urging rational use of energies and implementation of an enlightenment campaign for energy conservation to play a crucial role. Under the Moonlight Project, technical development is at present being centered around the following six pillars: (1) large scale energy saving technology; (2) pioneering and fundamental energy saving technology; (3) international cooperative research project; (4) research and survey of energy saving technology; (5) energy saving technology development by private industry; and (6) promotion of energy saving through standardization. Heat pumps, magnetohydrodynamic generators and fuel cells are discussed.

Future of energy savings policy in Denmark (in Japanese)

DEFF Research Database (Denmark)

Nørgaard, Jørgen

2007-01-01

After a brief description of Denmark, its energy development and CO2 emission is outlined, especially in the years after 1973. Energy consumption within the country has remained almost constant, but including the country's large merchant fleet, energy consumption has grown by more than 50% to now...... 260 GJ annually per person. Danish energy saving policies with energy taxes, etc. are described. One important measure has been the use of heat from combined heat and power plants to heat buildings, which used to account for 40% of all energy consumption....

Accounting for parameter uncertainty in the definition of parametric distributions used to describe individual patient variation in health economic models

NARCIS (Netherlands)

Degeling, Koen; Ijzerman, Maarten J.; Koopman, Miriam; Koffijberg, Hendrik

2017-01-01

Background: Parametric distributions based on individual patient data can be used to represent both stochastic and parameter uncertainty. Although general guidance is available on how parameter uncertainty should be accounted for in probabilistic sensitivity analysis, there is no comprehensive

Accounting for parameter uncertainty in the definition of parametric distributions used to describe individual patient variation in health economic models

NARCIS (Netherlands)

Degeling, Koen; IJzerman, Maarten J; Koopman, Miriam; Koffijberg, Hendrik

2017-01-01

Background Parametric distributions based on individual patient data can be used to represent both stochastic and parameter uncertainty. Although general guidance is available on how parameter uncertainty should be accounted for in probabilistic sensitivity analysis, there is no comprehensive

Bases of a fuel saving program for the passenger car traffic in Austria and benefit-cost-analysis of individual fuel economics. Grundlagen eines Energiesparkonzeptes fuer den PKW-Verkehr in Oesterreich und Nutzen-Kosten-Untersuchung einzelner Energiesparmassnahmen

Energy Technology Data Exchange (ETDEWEB)

Bruner-Newton, I.

1979-01-01

The influences on the fuel consumption of the individual automobile are investigated and their importance is appraised. From these data measures are derived to obtain a sensible fuel consumption. After a survey of conventional benefit-cost-analyses, guide lines for a benefit-cost-analyses of fuel economies in passenger car traffic are given. A target system is established which includes the most important criteria, which determine the total fuel consumption of passenger cars in Austria. Hereby it is possible to calculate the fuel saving potential of a certain measure. The economy of a measure is characterized by a benefit-cost-ratio. The developed methods of appraisal are applied to 14 measures and prove to be a suitable instrument for a systematic and comparable analyses of the individual measures. The measures are listed according to their economy when examining three different periods. It is shown which average annual fuel saving potential can be achieved by means of which annual costs.

Revamping High School Accounting Courses.

Science.gov (United States)

Bittner, Joseph

2002-01-01

Provides ideas for updating accounting courses: convert to semester length; focus on financial reporting/analysis, financial statements, the accounting cycle; turn textbook exercises into practice sets for the accounting cycle; teach about corporate accounting; and address individual line items on financial statements. (SK)

Water Saving for Development

Science.gov (United States)

Zacharias, Ierotheos

2013-04-01

The project "Water Saving for Development (WaS4D)" is financed by European Territorial Cooperational Programme, Greece-Italy 2007-2013, and aims at developing issues on water saving related to improvement of individual behaviors and implementing innovative actions and facilities in order to harmonize policies and start concrete actions for a sustainable water management, making also people and stakeholders awake to water as a vital resource, strategic for quality of life and territory competitiveness. Drinkable water saving culture & behavior, limited water resources, water supply optimization, water resources and demand management, water e-service & educational e-tools are the key words of WaS4D. In this frame the project objectives are: • Definition of water need for domestic and other than domestic purposes: regional and territorial hydro-balance; • promotion of locally available resources not currently being used - water recycling or reuse and rainwater harvesting; • scientific data implementation into Informative Territorial System and publication of geo-referred maps into the institutional web sites, to share information for water protection; • participated review of the regulatory framework for the promotion of water-efficient devices and practices by means of the definition of Action Plans, with defined targets up to brief (2015) and medium (2020) term; • building up water e-services, front-office for all the water issues in building agricultural, industrial and touristic sectors, to share information, procedures and instruments for the water management; • creation and publication of a user friendly software, a game, to promote sustainability for houses also addressed to young people; • creation of water info point into physical spaces called "Water House" to promote education, training, events and new advisory services to assist professionals involved in water uses and consumers; • implementation of participatory approach & networking for a

AutoPowerOff plug banks - a story with energy saving perspectives

Energy Technology Data Exchange (ETDEWEB)

Hjort Jensen, Anders (The Danish Electricity Saving Trust (Denmark)); Fjordbak, Troels (IT Energy ApS (Denmark))

2009-07-01

Denmark uses around 35 TWh of electricity per year, with residential dwellings accounting for around 10 TWh of this figure. Standby consumption comprises around 12% of power used in homes. If every Danish home installed AutoPowerOff plug banks, savings exceeding 500 GWh per year would be possible, equivalent to 5% of household electricity consumption, or 1.5% of the total in Denmark. This paper describes the estimated standby consumption in Danish homes in 2006, and possible energy savings through the use of AutoPowerOff plug banks. The estimates were subsequently used as background information for a 2007-2008 campaign to promote the wider use of these devices in Denmark. In order to increase the sale of AutoPowerOff plug banks by 1 million units, it was agreed that retail chains selling consumer electronics would include an AutoPowerOff when selling a TV or PC. A nationwide TV advertising campaign was launched featuring the names of participating retailers. Sales of AutoPowerOff plug banks in the first 7 months of 2008 passed the 515,000 mark, with over 1 million units now installed in 2.5 million Danish households. Annual savings are estimated to be over 80 GWh, equivalent to 40,000 tons of CO{sub 2}. This equates to potential savings on an EU-wide basis of more than 7 TWh, or 3.6 million tons of CO{sub 2} in Denmark.

Determinants of success in Shared Savings Programs: An analysis of ACO and market characteristics.

Science.gov (United States)

Ouayogodé, Mariétou H; Colla, Carrie H; Lewis, Valerie A

2017-03-01

Medicare's Accountable Care Organization (ACO) programs introduced shared savings to traditional Medicare, which allow providers who reduce health care costs for their patients to retain a percentage of the savings they generate. To examine ACO and market factors associated with superior financial performance in Medicare ACO programs. We obtained financial performance data from the Centers for Medicare and Medicaid Services (CMS); we derived market-level characteristics from Medicare claims; and we collected ACO characteristics from the National Survey of ACOs for 215 ACOs. We examined the association between ACO financial performance and ACO provider composition, leadership structure, beneficiary characteristics, risk bearing experience, quality and process improvement capabilities, physician performance management, market competition, CMS-assigned financial benchmark, and ACO contract start date. We examined two outcomes from Medicare ACOs' first performance year: savings per Medicare beneficiary and earning shared savings payments (a dichotomous variable). When modeling the ACO ability to save and earn shared savings payments, we estimated positive regression coefficients for a greater proportion of primary care providers in the ACO, more practicing physicians on the governing board, physician leadership, active engagement in reducing hospital re-admissions, a greater proportion of disabled Medicare beneficiaries assigned to the ACO, financial incentives offered to physicians, a larger financial benchmark, and greater ACO market penetration. No characteristic of organizational structure was significantly associated with both outcomes of savings per beneficiary and likelihood of achieving shared savings. ACO prior experience with risk-bearing contracts was positively correlated with savings and significantly increased the likelihood of receiving shared savings payments. In the first year, performance is quite heterogeneous, yet organizational structure does not

Contribution of individual waste fractions to the environmental impacts from landfilling of municipal solid waste.

Science.gov (United States)

Manfredi, Simone; Tonini, Davide; Christensen, Thomas H

2010-03-01

A number of LCA-based studies have reported on the environmental performance of landfilling of mixed waste, but little is known about the relative contributions of individual waste fractions to the overall impact potentials estimated for the mixed waste. In this paper, an empirical model has been used to estimate the emissions to the environment from landfilling of individual waste fractions. By means of the LCA-model EASEWASTE, the emissions estimated have been used to quantify how much of the overall impact potential for each impact category is to be attributed to the individual waste fractions. Impact potentials are estimated for 1 tonne of mixed waste disposed off in a conventional landfill with bottom liner, leachate collection and treatment and gas collection and utilization for electricity generation. All the environmental aspects are accounted for 100 years after disposal and several impact categories have been considered, including standard categories, toxicity-related categories and groundwater contamination. Amongst the standard and toxicity-related categories, the highest potential impact is estimated for human toxicity via soil (HTs; 12 mPE/tonne). This is mostly caused by leaching of heavy metals from ashes (e.g. residues from roads cleaning and vacuum cleaning bags), batteries, paper and metals. On the other hand, substantial net environmental savings are estimated for the categories Global Warming (GW; -31 mPE/tonne) and Eco-Toxicity in water chronic (ETwc; -53 mPE/tonne). These savings are mostly determined by the waste fractions characterized by a high content of biogenic carbon (paper, organics, other combustible waste). These savings are due to emissions from energy generation avoided by landfill gas utilization, and by the storage of biogenic carbon in the landfill due to incomplete waste degradation. Copyright 2009 Elsevier Ltd. All rights reserved.

Exploring the range of energy savings likely from energy efficiency retrofit measures in Ireland's residential sector

International Nuclear Information System (INIS)

Dineen, D.; Ó Gallachóir, B.P.

2017-01-01

This paper estimates the potential energy savings in the Irish residential sector by 2020 due to the introduction of an ambitious retrofit programme. We estimate the technical energy savings potential of retrofit measures targeting energy efficiency of the space and water heating end uses of the 2011 stock of residential dwellings between 2012 and 2020. We build eight separate scenarios, varying the number of dwellings retrofitted and the depth of retrofit carried out in order to investigate the range of energy savings possible. In 2020 the estimated technical savings potential lies in the range from 1713 GWh to 10,817 GWh, but is more likely to fall within the lower end of this range, i.e. between 1700 and 4360 GWh. When rebound effects are taken into account this reduces further to 1100 GWh and 2800 GWh per annum. The purpose of this paper was to test the robustness of the NEEAP target savings for residential retrofit, i.e. 3000 GWh by 2020. We conclude that this target is technically feasible but very challenging and unlikely to be achieved based on progress to date. It will require a significant shift towards deeper retrofit measures compared to what has been achieved by previous schemes. - Highlights: • Paper estimates range of energy savings likely from Irish residential retrofit. • Achieving NEEAP target savings of 3000 GWh by 2020 is feasible but very challenging. • Likely savings of 1100–2800 GWh per annum in 2020, including rebound. • NEEAP target unlikely to be achieved based on current trends.

Methodology for the National Water Savings Model and Spreadsheet Tool Commercial/Institutional

Energy Technology Data Exchange (ETDEWEB)

Chan, Peter [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Long, Tim [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Williams, Alison [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Melody, Moya [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States)

2012-01-01

Lawrence Berkeley National Laboratory (LBNL) has developed a mathematical model to quantify the water and monetary savings attributable to the United States Environmental Protection Agency’s (EPA’s) WaterSense labeling program for commercial and institutional products. The National Water Savings–Commercial/Institutional (NWS-CI) model is a spreadsheet tool with which the EPA can evaluate the success of its program for encouraging buyers in the commercial and institutional (CI) sectors to purchase more water-efficient products. WaterSense has begun by focusing on three water-using products commonly used in the CI sectors: flushometer valve toilets, urinals, and pre-rinse spray valves. To estimate the savings attributable to WaterSense for each of the three products, LBNL applies an accounting method to national product shipments and lifetimes to estimate the shipments of each product.

26 CFR 1.408-2 - Individual retirement accounts.

Science.gov (United States)

2010-04-01

... the fiduciary books and records to be made by a qualified public accountant. At that time, the... accepted auditing standards, and shall involve whatever tests of the fiduciary books and records of the... written request for or notice of intention of taking such action has been entered on or before the...

Deterrents to Accountability.

Science.gov (United States)

Hencley, Stephen P.

This speech assesses potential deterrents to the implementation of accountability in education. The author divides these deterrents into (1) philosophical-ideological; humanist-behaviorist conflicts, individuality versus "techno-urban fascism," and accountability systems tied to the achievement of cognitive objectives at the lower end of Bloom's…

Reform Proposals for Replenishing Retirement Savings

Directory of Open Access Journals (Sweden)

Jack M. Mintz

2013-02-01

67 years of age, similar to old-age security eligibility. Meanwhile, the tax treatment of group RRSPs — for which employer contributions are currently subject to payroll taxes — should be made the same as it is for defined-contribution registered pension plans (RPPs. There is also the option of increasing the age limit for RPP and RRSP contributions, from 71 to 75 years, to reflect the increase in life expectancies. RRSP contributions can be altered to allow lifetimeaveraging, allowing workers to take advantage of additional contribution room. Contribution limits on Tax-Free Savings Accounts should be increased as well. Policy-makers should also look at creating a capital-gains deferral account, to allow investors to sell off underperforming assets, without fear of triggering a tax bill, as long as they reinvest the proceeds. The freedom to unlock unwanted investments, and make better ones, will improve revenue prospects for investors and the government. Many of these reforms can be phased in gradually, to assess their effects on government revenue and savers’ behaviour. But they all appear to have the potential to encourage increased saving, without significantly harming long-term government revenue, helping Canadians better prepare for comfortable retirements, even after the serious wealth destruction that accompanied the recent economic crisis.

Electric energy savings from new technologies

Energy Technology Data Exchange (ETDEWEB)

Moe, R.J.; Harrer, B.J.; Kellogg, M.A.; Lyke, A.J.; Imhoff, K.L.; Fisher, Z.J.

1986-01-01

Purpose of the report is to provide information about the electricity-saving potential of new technologies to OCEP that it can use in developing alternative long-term projections of US electricity consumption. Low-, base-, and high-case scenarios of the electricity savings for ten technologies were prepared. The total projected annual savings for the year 2000 for all ten technologies were 137 billion kilowatt hours (BkWh), 279 BkWh, and 470 BkWh, respectively, for the three cases. The magnitude of these savings projections can be gauged by comparing them to the Department's reference case projection for the 1985 National Energy Policy Plan. In the Department's reference case, total consumption in 2000 is projected to be 3319 BkWh. Thus, the savings projected here represent between 4% and 14% of total consumption projected for 2000. Because approximately 75% of the base-case estimate of savings are already incorporated into the reference forecast, reducing projected electricity consumption from what it otherwise would have been, the savings estimated here should not be directly subtracted from the reference forecast.

Quality of Care Improves for Patients with Diabetes in Medicare Shared Savings Accountable Care Organizations: Organizational Characteristics Associated with Performance.

Science.gov (United States)

Fraze, Taressa K; Lewis, Valerie A; Tierney, Emily; Colla, Carrie H

2017-12-06

Accountable care organizations (ACOs), a primary care-centric delivery and payment model, aim to promote integrated population health, which may improve care for those with chronic conditions such as diabetes. Research has shown that, overall, the ACO model is effective at reducing costs, but there is substantial variation in how effective different types of ACOs are at impacting costs and improving care delivery. This study examines how ACO organizational characteristics - such as composition, staffing, care management, and experiences with health reform - were associated with quality of care delivered to patients with diabetes. Secondary data were analyzed retrospectively to examine Medicare Shared Savings Program (MSSP) ACOs' performance on diabetes metrics in the first 2 years of ACO contracts. Ordinary least squares was used to analyze 162 MSSP ACOs with publicly available performance data and the National Survey of ACOs. ACOs improved performance significantly for patients with diabetes between contract years 1 and 2. In year 1, also having a private payer contract and an increased number of services within the ACO were positively associated with performance, while having a community health center or a hospital were negatively associated with performance. Better performance in year 1 was negatively associated with improved performance in year 2. This study found that ACOs substantively improved diabetes management within initial contract years. ACOs may need different types of support throughout their contracts to ensure continued improvements in performance.

Using the IGCRA (individual, group, classroom reflective action technique to enhance teaching and learning in large accountancy classes

Directory of Open Access Journals (Sweden)

Cristina Poyatos

2011-02-01

Full Text Available First year accounting has generally been perceived as one of the more challenging first year business courses for university students. Various Classroom Assessment Techniques (CATs have been proposed to attempt to enrich and enhance student learning, with these studies generally positioning students as learners alone. This paper uses an educational case study approach and examines the implementation of the IGCRA (individual, group, classroom reflective action technique, a Classroom Assessment Technique, on first year accounting students’ learning performance. Building on theoretical frameworks in the areas of cognitive learning, social development, and dialogical learning, the technique uses reports to promote reflection on both learning and teaching. IGCRA was found to promote feedback on the effectiveness of student, as well as teacher satisfaction. Moreover, the results indicated formative feedback can assist to improve the learning and learning environment for a large group of first year accounting students. Clear guidelines for its implementation are provided in the paper.

Ranking Accounting Authors and Departments in Accounting Education: Different Methodologies--Significantly Different Results

Science.gov (United States)

Bernardi, Richard A.; Zamojcin, Kimberly A.; Delande, Taylor L.

2016-01-01

This research tests whether Holderness Jr., D. K., Myers, N., Summers, S. L., & Wood, D. A. [(2014). "Accounting education research: Ranking institutions and individual scholars." "Issues in Accounting Education," 29(1), 87-115] accounting-education rankings are sensitive to a change in the set of journals used. It provides…

Composting and compost utilization: accounting of greenhouse gases and global warming contributions.

Science.gov (United States)

Boldrin, Alessio; Andersen, Jacob K; Møller, Jacob; Christensen, Thomas H; Favoino, Enzo

2009-11-01

Greenhouse gas (GHG) emissions related to composting of organic waste and the use of compost were assessed from a waste management perspective. The GHG accounting for composting includes use of electricity and fuels, emissions of methane and nitrous oxide from the composting process, and savings obtained by the use of the compost. The GHG account depends on waste type and composition (kitchen organics, garden waste), technology type (open systems, closed systems, home composting), the efficiency of off-gas cleaning at enclosed composting systems, and the use of the compost. The latter is an important issue and is related to the long-term binding of carbon in the soil, to related effects in terms of soil improvement and to what the compost substitutes; this could be fertilizer and peat for soil improvement or for growth media production. The overall global warming factor (GWF) for composting therefore varies between significant savings (-900 kg CO(2)-equivalents tonne(-1) wet waste (ww)) and a net load (300 kg CO(2)-equivalents tonne( -1) ww). The major savings are obtained by use of compost as a substitute for peat in the production of growth media. However, it may be difficult for a specific composting plant to document how the compost is used and what it actually substitutes for. Two cases representing various technologies were assessed showing how GHG accounting can be done when specific information and data are available.

Risk transfer via energy savings insurance; TOPICAL

International Nuclear Information System (INIS)

Mills, Evan

2001-01-01

Among the key barriers to investment in energy efficiency improvements are uncertainties about attaining projected energy savings and apprehension about potential disputes over these savings. The fields of energy management and risk management are thus intertwined. While many technical methods have emerged to manage performance risks (e.g. building commissioning), financial risk transfer techniques are less developed in the energy management arena than in other more mature segments of the economy. Energy Savings Insurance (ESI) - formal insurance of predicted energy savings - is one method of transferring financial risks away from the facility owner or energy services contractor. ESI offers a number of significant advantages over other forms of financial risk transfer, e.g. savings guarantees or performance bonds. ESI providers manage risk via pre-construction design review as well as post-construction commissioning and measurement and verification of savings. We found that the two mos t common criticisms of ESI - excessive pricing and onerous exclusions - are not born out in practice. In fact, if properly applied, ESI can potentially reduce the net cost of energy savings projects by reducing the interest rates charged by lenders, and by increasing the level of savings through quality control. Debt service can also be ensured by matching loan payments to projected energy savings while designing the insurance mechanism so that payments are made by the insurer in the event of a savings shortfall. We estimate the U.S. ESI market potential of$875 million/year in premium income. From an energy-policy perspective, ESI offers a number of potential benefits: ESI transfers performance risk from the balance sheet of the entity implementing the energy savings project, thereby freeing up capital otherwise needed to ''self-insure'' the savings. ESI reduces barriers to market entry of smaller energy services firms who do not have sufficiently strong balance sheets to self

Effects of a Community-Based Fall Management Program on Medicare Cost Savings.

Science.gov (United States)

Ghimire, Ekta; Colligan, Erin M; Howell, Benjamin; Perlroth, Daniella; Marrufo, Grecia; Rusev, Emil; Packard, Michael

2015-12-01

Fall-related injuries and health risks associated with reduced mobility or physical inactivity account for significant costs to the U.S. healthcare system. The widely disseminated lay-led A Matter of Balance (MOB) program aims to help older adults reduce their risk of falling and associated activity limitations. This study examined effects of MOB participation on health service utilization and costs for Medicare beneficiaries, as a part of a larger effort to understand the value of community-based prevention and wellness programs for Medicare. A controlled retrospective cohort study was conducted in 2012-2013, using 2007-2011 MOB program data and 2006-2013 Medicare data. It investigated program effects on falls and fall-related fractures, and health service utilization and costs (standardized to 2012 dollars), of 6,136 Medicare beneficiaries enrolled in MOB from 2007 through 2011. A difference-in-differences analysis was employed to compare outcomes of MOB participants with matched controls. MOB participation was associated with total medical cost savings of $938 per person (95% CI=$379, $1,498) at 1 year. Savings per person amounted to $517 (95% CI=$265, $769) for unplanned hospitalizations; $81 for home health care (95% CI=$20, $141); and $234 (95% CI=$55, $413) for skilled nursing facility care. Changes in the incidence of falls or fall-related fractures were not detected, suggesting that cost savings accrue through other mechanisms. This study suggests that MOB and similar prevention programs have the potential to reduce Medicare costs. Further research accounting for program delivery costs would help inform the development of Medicare-covered preventive benefits. Copyright © 2015 American Journal of Preventive Medicine. All rights reserved.

Saving-Based Asset Pricing

DEFF Research Database (Denmark)

Dreyer, Johannes Kabderian; Schneider, Johannes; T. Smith, William

2013-01-01

This paper explores the implications of a novel class of preferences for the behavior of asset prices. Following a suggestion by Marshall (1920), we entertain the possibility that people derive utility not only from consumption, but also from the very act of saving. These ‘‘saving-based’’ prefere...

Heat savings and heat generation technologies: Modelling of residential investment behaviour with local health costs

DEFF Research Database (Denmark)

Zvingilaite, Erika; Klinge Jacobsen, Henrik

2015-01-01

The trade-off between investing in energy savings and investing in individual heating technologies with high investment and low variable costs in single family houses is modelled for a number of building and consumer categories in Denmark. For each group the private economic cost of providing hea...... for private consumers decrease by 66% when all have the option to shift to the technology with lowest variable costs. © 2014 Elsevier Ltd. All Rights reserved......The trade-off between investing in energy savings and investing in individual heating technologies with high investment and low variable costs in single family houses is modelled for a number of building and consumer categories in Denmark. For each group the private economic cost of providing...

Accounting and environmental administration: A challenge for the competitiveness

International Nuclear Information System (INIS)

Gonzalez Vasquez, Diana Maria; Rendon Acevedo, Jaime Alberto; Zapata Perez, Diana Marcela

2001-01-01

In the global markets, the competence must to the businesses development alternative methods for the action in productivity and competitively. The enterprises in Colombia, by the certification process ISO, begin to understand the must to have an effective system of environment management and is necessary a right form account of the environment registers in the real environment monetary terms) at the productive process. In this article expose the necessary elements for to building a theory model to apply to enterprise account in the environment theme, about aspects as structure of costs, savings and analysis of the management. This is for to building the traditional account in the enterprises and since they're to make a mix of elements of account and environment politics in the business and the country and theirs control methods

Freshwater savings from marine protein consumption

International Nuclear Information System (INIS)

Gephart, Jessica A; Pace, Michael L; D’Odorico, Paolo

2014-01-01

Marine fisheries provide an essential source of protein for many people around the world. Unlike alternative terrestrial sources of protein, marine fish production requires little to no freshwater inputs. Consuming marine fish protein instead of terrestrial protein therefore represents freshwater savings (equivalent to an avoided water cost) and contributes to a low water footprint diet. These water savings are realized by the producers of alternative protein sources, rather than the consumers of marine protein. This study quantifies freshwater savings from marine fish consumption around the world by estimating the water footprint of replacing marine fish with terrestrial protein based on current consumption patterns. An estimated 7 600 km 3  yr −1 of water is used for human food production. Replacing marine protein with terrestrial protein would require an additional 350 km 3  yr −1 of water, meaning that marine protein provides current water savings of 4.6%. The importance of these freshwater savings is highly uneven around the globe, with savings ranging from as little as 0 to as much as 50%. The largest savings as a per cent of current water footprints occur in Asia, Oceania, and several coastal African nations. The greatest national water savings from marine fish protein occur in Southeast Asia and the United States. As the human population increases, future water savings from marine fish consumption will be increasingly important to food and water security and depend on sustainable harvest of capture fisheries and low water footprint growth of marine aquaculture. (paper)

Assessment of the achieved savings from induction motors energy efficiency labeling in Brazil

International Nuclear Information System (INIS)

Bortoni, E.C.; Nogueira, L.A.H.; Cardoso, R.B.; Haddad, J.; Souza, E.P.; Dias, M.V.X.; Yamachita, R.A.

2013-01-01

Highlights: • We have modeled the influence of the increase of efficiency of motors. • The amount of saved energy is estimated. • The work deals with the “measurement” of a non-consumed energy. • The influence of the motor useful life is taken into account. • The influence of efficiency decrease along the motor life is also taken into account. - Abstract: Since 1995 Brazil has been applying its labeling program to increase the efficiency of application of many household appliances and equipment. From 2003 on inductions motors have also been receiving the PROCEL prize, which helped push motors efficiency over than those limits established by the labeling program. Therefore, this work presents the development of a model to estimate the amount of savings obtained with the usage of the PROCEL endorsement labels in standard and in energy efficient motors. The estimated peak demand reduction is also inferred. The developed model makes the usage of sales information and of a discard function to estimate the Brazilian motor stock. Approaches such as the use of efficiency loading and efficiency aging factors are employed to estimate motors consumption

Energy Savings in a Market Economy

DEFF Research Database (Denmark)

Nørgaard, Jørgen

1998-01-01

The paper outlines the concept of energy savings as opposed to energy efficency. Afterwards are described briefly the up and down role of energy savings in recent Danish energy policy. It discusses the failure of leaving electricity savings and Integrated Resource Planning to the electricity...

Improved methods to evaluate realised energy savings

NARCIS (Netherlands)

Boonekamp, P.G.M.

2005-01-01

This thesis regards the calculation of realised energy savings at national and sectoral level, and the policy contribution to total savings. It is observed that the results of monitoring and evaluation studies on realised energy savings are hardly applied in energy saving policy. Causes are the lack

Switching from originator brand medicines to generic equivalents in selected developing countries: how much could be saved?

Science.gov (United States)

Cameron, Alexandra; Mantel-Teeuwisse, Aukje K; Leufkens, Hubert G M; Laing, Richard Ogilvie

2012-01-01

In low- and middle-income countries, patients and reimbursement agencies that purchase medicines in the private sector pay more for originator brands when generic equivalents exist. We estimated the savings that could be obtained from a hypothetical switch in medicine consumption from originator brands to lowest-priced generic equivalents for a selection of medicines in 17 countries. In this cost minimization analysis, the prices of originator brands and their lowest-priced generic equivalents were obtained from facility-based surveys conducted by using a standard methodology. Fourteen medicines most commonly included in the surveys, plus three statins, were included in the analysis. For each medicine, the volume of private sector consumption of the originator brand product was obtained from IMS Health, Inc. Volumes were applied to the median unit prices for both originator brands and their lowest-priced generics to estimate cost savings. Prices were adjusted to 2008 by using consumer price index data and were adjusted for purchasing power parity. For the medicines studied, an average of 9% to 89% could be saved by an individual country from a switch in private sector purchases from originator brands to lowest-priced generics. In public hospitals in China, US $ 370 million could be saved from switching only four medicines, saving an average of 65%. Across individual medicines, average potential savings ranged from 11% for beclometasone inhaler to 73% for ceftriaxone injection. Substantial savings could be achieved by switching private sector purchases from originator brand medicines to lowest-priced generic equivalents. Strategies to promote generic uptake, such as generic substitution by pharmacists and increasing confidence in generics by professionals and the public, should be included in national medicines policies. Copyright © 2012 International Society for Pharmacoeconomics and Outcomes Research (ISPOR). Published by Elsevier Inc. All rights reserved.

Capital gains in economic theory and national accounting

Directory of Open Access Journals (Sweden)

J. STEINDL

1998-12-01

Full Text Available Capital gains are ironically one of the least studied concepts in economics despite their crucial role in national accounting. Although capital gains are technically not involved in the circular flow of production and incomes, they are a vital determinants of consumer credit and personal savings. Recent findings, in fact, correlate capital gains with the prevalence of inflationary pressures and gyrations on spending in assets.

Testing the Financial Capability Framework: Findings from YouthSave-Impact Study Kenya.

Science.gov (United States)

Kagotho, Njeri; Ssewamala, Fred M; Patak-Pietrafesa, Michele; Byansi, William

2018-01-01

In sub-Saharan Africa (SSA), youths (23 years or younger)-who account for almost half the population-are particularly vulnerable to poverty and exclusion from financial markets and intermediaries. In addition, a significant factor in the financial instability of the region appears to be the economic functioning of its youths. In recent years, social work interventions throughout the region have focused on investing in the economic functioning of youths. This study looked at baseline data from one such intervention in Kenya (N = 3,965), using the financial capabilities framework to evaluate the factors related to youths' saving behaviors. Authors investigated the association between youths' financial literacy (that is, knowledge, socialization), financial access, and financial capabilities and savings behaviors. Results indicate that adolescents who rate themselves as financially literate and those living in close proximity to a bank are more likely to report higher capabilities. Furthermore, financial capabilities in turn partially mediate the relationship between financial literacy, access, and savings. Overall, the study's findings point to the positive effect of enhanced financial capabilities among youths and offer support for asset-based interventions targeting youths in SSA. © 2017 National Association of Social Workers.

49 CFR 173.219 - Life-saving appliances.

Science.gov (United States)

2010-10-01

... 49 Transportation 2 2010-10-01 2010-10-01 false Life-saving appliances. 173.219 Section 173.219... Life-saving appliances. (a) A life-saving appliance, self-inflating or non-self-inflating, containing small quantities of hazardous materials that are required as part of the life-saving appliance must...

Accounting for Lean Implementation in Government Enterprise: Intended and Unintended Consequences

OpenAIRE

Chester S. Labedz; John R. Gray

2013-01-01

This research explores the effects of implementing a lean production system in a government facility. The organization’s formal accounting practices delay recognition of production savings, but informally the facility promotes its lean efforts through attention-getting, off-the-books, “innovative†accounting. The authors state three propositions relating to customer effects of the lean improvements and the financial approaches. They then state four hypotheses relating to the measures’ ...

The climate mitigation gap: education and government recommendations miss the most effective individual actions

Science.gov (United States)

Wynes, Seth; Nicholas, Kimberly A.

2017-07-01

Current anthropogenic climate change is the result of greenhouse gas accumulation in the atmosphere, which records the aggregation of billions of individual decisions. Here we consider a broad range of individual lifestyle choices and calculate their potential to reduce greenhouse gas emissions in developed countries, based on 148 scenarios from 39 sources. We recommend four widely applicable high-impact (i.e. low emissions) actions with the potential to contribute to systemic change and substantially reduce annual personal emissions: having one fewer child (an average for developed countries of 58.6 tonnes CO2-equivalent (tCO2e) emission reductions per year), living car-free (2.4 tCO2e saved per year), avoiding airplane travel (1.6 tCO2e saved per roundtrip transatlantic flight) and eating a plant-based diet (0.8 tCO2e saved per year). These actions have much greater potential to reduce emissions than commonly promoted strategies like comprehensive recycling (four times less effective than a plant-based diet) or changing household lightbulbs (eight times less). Though adolescents poised to establish lifelong patterns are an important target group for promoting high-impact actions, we find that ten high school science textbooks from Canada largely fail to mention these actions (they account for 4% of their recommended actions), instead focusing on incremental changes with much smaller potential emissions reductions. Government resources on climate change from the EU, USA, Canada, and Australia also focus recommendations on lower-impact actions. We conclude that there are opportunities to improve existing educational and communication structures to promote the most effective emission-reduction strategies and close this mitigation gap.

All individuals are not created equal; accounting for interindividual variation in fitting life-history responses to toxicants.

Science.gov (United States)

Jager, Tjalling

2013-02-05

The individuals of a species are not equal. These differences frustrate experimental biologists and ecotoxicologists who wish to study the response of a species (in general) to a treatment. In the analysis of data, differences between model predictions and observations on individual animals are usually treated as random measurement error around the true response. These deviations, however, are mainly caused by real differences between the individuals (e.g., differences in physiology and in initial conditions). Understanding these intraspecies differences, and accounting for them in the data analysis, will improve our understanding of the response to the treatment we are investigating and allow for a more powerful, less biased, statistical analysis. Here, I explore a basic scheme for statistical inference to estimate parameters governing stress that allows individuals to differ in their basic physiology. This scheme is illustrated using a simple toxicokinetic-toxicodynamic model and a data set for growth of the springtail Folsomia candida exposed to cadmium in food. This article should be seen as proof of concept; a first step in bringing more realism into the statistical inference for process-based models in ecotoxicology.

Potential energy savings with personalized ventilation coupled with passive chilled beams

DEFF Research Database (Denmark)

Lyubenova, Velina S.; Holsøe, Jan W.; Melikov, Arsen Krikor

2011-01-01

Personalized ventilation (PV) is an individually controlled air distribution system aimed at improving inhaled air quality and thermal comfort of each occupant. Numerous studies have shown that PV may improve occupants’ health, comfort and performance in comparison with traditional total volume air...... saving especially in spaces where occupants spend most of the time at their workplace....

Association with Mortality and Heritability of the Scale of Aging Vigor in Epidemiology (SAVE)

Science.gov (United States)

Sanders, Jason L.; Singh, Jatinder; Minster, Ryan L.; Walston, Jeremy D.; Matteini, Amy M.; Christensen, Kaare; Mayeux, Richard; Borecki, Ingrid B.; Perls, Thomas; Newman, Anne B.

2016-01-01

Background Vigor may be an important phenotype of healthy aging. Factors that prevent frailty or conversely promote vigor are of interest. Using the Long Life Family Study (LLFS), we investigated the association with mortality and heritability of a rescaled Fried frailty index, the Scale of Aging Vigor in Epidemiology (SAVE), to determine its value for genetic analyses. Design/Setting Longitudinal, community-based cohort study of long lived individuals and their families (N=4075 genetically-related individuals) in the United States and Denmark. Methods The SAVE was measured in 3599 participants and included weight change, weakness (grip strength), fatigue (questionnaire), physical activity (days walked in prior 2 weeks), and slowness (gait speed), each component scored 0, 1 or 2 using approximate tertiles, and summed from 0 (vigorous) to 10 (frail). Heritability was determined with a variance-component based family analysis using a polygenic model. Association with mortality in the proband generation (N=1421) was calculated with Cox proportional hazards mixed effect models. Results Heritability of the SAVE was 0.23 (p = 1.72 × 10−13) overall (n=3599), 0.31 (p = 2.00 × 10−7) in probands (n=1479), and 0.26 (p = 2.00 × 10−6) in offspring (n=2120). In adjusted models, compared with lower SAVE scores (0–2), higher scores were associated with higher mortality (score 5–6 HR, 95%CI = 2.83, 1.46–5.51; score 7–10 HR, 95% CI = 3.40, 1.72–6.71). Conclusion The SAVE was associated with mortality and was moderately heritable in the LLFS, suggesting a genetic component to age-related vigor and frailty and supporting its use for further genetic analyses. PMID:27294813

24 CFR 221.1 - Savings clause.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Savings clause. 221.1 Section 221.1... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES LOW COST AND MODERATE INCOME MORTGAGE INSURANCE-SAVINGS CLAUSE Eligibility Requirements-Low Cost Homes-Savings Clause § 221.1...

Financial Impact of Cancer Drug Wastage and Potential Cost Savings From Mitigation Strategies.

Science.gov (United States)

Leung, Caitlyn Y W; Cheung, Matthew C; Charbonneau, Lauren F; Prica, Anca; Ng, Pamela; Chan, Kelvin K W

2017-07-01

Cancer drug wastage occurs when a parenteral drug within a fixed vial is not administered fully to a patient. This study investigated the extent of drug wastage, the financial impact on the hospital budget, and the cost savings associated with current mitigation strategies. We conducted a cross-sectional study in three University of Toronto-affiliated hospitals of various sizes. We recorded the actual amount of drug wasted over a 2-week period while using current mitigation strategies. Single-dose vial cancer drugs with the highest wastage potentials were identified (14 drugs). To calculate the hypothetical drug wastage with no mitigation strategies, we determined how many vials of drugs would be needed to fill a single prescription. The total drug costs over the 2 weeks ranged from $50,257 to $716,983 in the three institutions. With existing mitigation strategies, the actual drug wastage over the 2 weeks ranged from $928 to $5,472, which was approximately 1% to 2% of the total drug costs. In the hypothetical model with no mitigation strategies implemented, the projected drug cost wastage would have been $11,232 to $149,131, which accounted for 16% to 18% of the total drug costs. As a result, the potential annual savings while using current mitigation strategies range from 15% to 17%. The financial impact of drug wastage is substantial. Mitigation strategies lead to substantial cost savings, with the opportunity to reinvest those savings. More research is needed to determine the appropriate methods to minimize risk to patients while using the cost-saving mitigation strategies.

Energy saving and cost saving cooling; Energie und Kosten sparende Kuehlung

Energy Technology Data Exchange (ETDEWEB)

Koenig, Klaus W. [Architektur- und Fachpressebuero Klaus W. Koenig, Ueberlingen (Germany)

2012-07-01

In the case of cost reduction, energy conservation and resource savings, rain water is an ideal medium offering more advantages in comparison to the cooling with drinking water. There are no fees for the drinking water and drainage of rain water. It is not necessary to soften rain water so that further operational costs for the treatment and drainage of waste water can be saved. The avoidance of the related material flows and necessary energy is a practiced environmental protection and climate protection.

Life cycle, individual thrift, and the wealth of nations.

Science.gov (United States)

Modigliani, F

1986-11-07

One theory of the determinants of individual and national thrift has come to be known as the life cycle hypothesis of saving. The state of the art on the eve of the formulation of the hypothesis some 30 years ago is reviewed. Then the theoretical foundations of the model in its original formulation and later amendment are set forth, calling attention to various implications, some distinctive to it and some counterintuitive. A number of crucial empirical tests, both at the individual and the aggregate level, are presented as well as some applications of the life cycle hypothesis of saving to current policy issues.

COMPUTER MODELLING OF ENERGY SAVING EFFECTS

Directory of Open Access Journals (Sweden)

Marian JANCZAREK

2016-09-01

Full Text Available The paper presents the analysis of the dynamics of the heat transfer through the outer wall of the thermal technical spaces, taking into account the impact of the sinusoidal nature of the changes in atmospheric temperature. These temporal variations of the input on the outer surface of the chamber divider result at the output of the sinusoidal change on the inner wall of the room, but suitably suppressed and shifted in phase. Properly selected phase shift is clearly important for saving energy used for the operation associated with the maintenance of a specific regime of heat inside the thermal technical chamber support. Laboratory tests of the model and the actual object allowed for optimal design of the chamber due to the structure of the partition as well as due to the orientation of the geographical location of the chamber.

Net fossil energy savings for alternative mixes in various electric supply systems

International Nuclear Information System (INIS)

Essam, P.; Stocks, K.J.

1978-11-01

The actual and projected electric power station building programs of several countries and regions have been examined to determine what effect the introduction of nuclear power has on fossil fuel usage by the electricity system. It was found that (1) nuclear power leads directly to savings in fossil fuel usage, a larger nuclear component leading to larger savings; (2) individual nuclear stations rapidly wipe out the energy 'debt' incurred during building; and (3) the relatively short periods of consolidation in the early stages of a nation's building program usually prevent the nuclear component from going into energy 'debt'. Assessments of the energy requirements to build and run various types of power station have been made from the available literature

How to finance new energy-conservation equipment: investment in saving

Energy Technology Data Exchange (ETDEWEB)

Lipscombe, G

1977-11-01

A London banker outlines how companies can finance the new equipment needed to lower fuel consumption and reduce fuel bills. He notes that internal financing is the custom, but that the new urgency placed on efficient plant operation has broadened the options for financing capital projects. Financial considerations involve simple payback periods or a more sophisticated appraisal of an energy project's life-time effect on cash flow. Financiers will take into account whether there is a government grant, fuel cost savings, project costs, and tax allowances, although there are disadvantages in the discount approach. Outside sources of capital include bank drafts, term loans, leasing facilities, hire-purchase, and government loans. Each company must determine the best type of financing for its needs, but the opportunities improve when the energy manager, company accountant, and bank manager understand each other.

'Nurture the sprouting bud; do not uproot it'. Using saving groups to save for maternal and newborn health: lessons from rural Eastern Uganda.

Science.gov (United States)

Ekirapa-Kiracho, Elizabeth; Paina, Ligia; Muhumuza Kananura, Rornald; Mutebi, Aloysius; Jane, Pacuto; Tumuhairwe, Juliet; Tetui, Moses; Kiwanuka, Suzanne N

2017-08-01

Saving groups are increasingly being used to save in many developing countries. However, there is limited literature about how they can be exploited to improve maternal and newborn health. This paper describes saving practices, factors that encourage and constrain saving with saving groups, and lessons learnt while supporting communities to save through saving groups. This qualitative study was done in three districts in Eastern Uganda. Saving groups were identified and provided with support to enhance members' access to maternal and newborn health. Fifteen focus group discussions (FGDs) and 18 key informant interviews (KIIs) were conducted to elicit members' views about saving practices. Document review was undertaken to identify key lessons for supporting saving groups. Qualitative data are presented thematically. Awareness of the importance of saving, safe custody of money saved, flexible saving arrangements and easy access to loans for personal needs including transport during obstetric emergencies increased willingness to save with saving groups. Saving groups therefore provided a safety net for the poor during emergencies. Poor management of saving groups and detrimental economic practices like gambling constrained saving. Efficient running of saving groups requires that they have a clear management structure, which is legally registered with relevant authorities and that it is governed by a constitution. Saving groups were considered a useful form of saving that enabled easy acess to cash for birth preparedness and transportation during emergencies. They are like 'a sprouting bud that needs to be nurtured rather than uprooted', as they appear to have the potential to act as a safety net for poor communities that have no health insurance. Local governments should therefore strengthen the management capacity of saving groups so as to ensure their efficient running through partnerships with non-governmental organizations that can provide support to such groups.

Federal Aviation Administration retained savings program proposal

International Nuclear Information System (INIS)

Hostick, D.J.; Larson, L.L.; Hostick, C.J.

1998-03-01

Federal legislation allows federal agencies to retain up to 50% of the savings associated with implementing energy efficiency and water conservation measures and practices. Given budget pressures to reduce expenditures, the use of retained savings to fund additional projects represents a source of funds outside of the traditional budget cycle. The Southwest Region Federal Aviation Administration (FAA) has tasked Pacific Northwest National Laboratory (PNNL) to develop a model retained savings program for Southwest Region FAA use and as a prototype for consideration by the FAA. PNNL recommends the following steps be taken in developing a Southwest Region FAA retained savings program: Establish a retained savings mechanism. Determine the level at which the retained savings should be consolidated into a fund. The preliminary recommendation is to establish a revolving efficiency loan fund at the regional level. Such a mechanism allows some consolidation of savings to fund larger projects, while maintaining a sense of facility ownership in that the funds will remain within the region

Effects of social participation and the emergence of voluntary social interactions on household power-saving practices in post-disaster Kanagawa, Japan

International Nuclear Information System (INIS)

Nakamura, Hidenori

2013-01-01

An online social survey was conducted to reveal household electricity-saving behaviour and its relationship with participation in social group activities, as well as face-to-face and online social interactions, i.e., information sources used and information dissemination through personal networks, in a disaster-affected region of Kanagawa, Japan, during the summer of 2011. The study confirms the positive contribution of respondents’ participation in social group activities to the number of power-saving practices conducted. It also reveals the emergence of voluntary social face-to-face and/or online interactions for power-saving. The study suggests it would be useful to provide effective information to proactive individuals who are closely engaged in power-saving in households and who are proactively disseminating power-saving information practices to others. Such individuals include (1) women who have school-children and who are proactively engaging in the social interactions of their children’s schools, other parents, neighbours, as well as their own parents and relatives; and (2) men and women who are using various kinds of online interaction tools and are also engaged in face-to-face social interactions

Values and Technologies in Energy Savings

DEFF Research Database (Denmark)

Nørgård, Jørgen Stig

2000-01-01

of this saving can cause what is called the rebound effect, which reduces the savings obtained from the technology. Ways to avoid this effect are suggested, and they require value changes, primarly around frugality, consumption, and hard-working. There are indications that some of the necessary changes are well......The chapter is based on the assumption, that technology improvement is not sufficient to achieve a sustainable world community. Changes in people´s values are necessary. A simple model suggest how values, together with basic needs and with the environmental and societal frames, determine people......´s behavioural pattern and lifestyles. Deliberate changes in social values are illustrated by a historical example. From the side of technology the basic principles in the economy of energy savings are briefly described. The marginally profitable energy savings provides an economic saving. The application...

Individualism, collectivism and ethnic identity: cultural assumptions in accounting for caregiving behaviour in Britain.

Science.gov (United States)

Willis, Rosalind

2012-09-01

Britain is experiencing the ageing of a large number of minority ethnic groups for the first time in its history, due to the post-war migration of people from the Caribbean and the Indian subcontinent. Stereotypes about a high level of provision of informal caregiving among minority ethnic groups are common in Britain, as in the US, despite quantitative studies refuting this assumption. This paper reports on a qualitative analysis of in-depth interviews with older people from five different ethnic groups about their conceptualisation of their ethnic identity, and their attributions of motivations of caregiving within their own ethnic group and in other groups. It is argued that ethnic identity becomes salient after migration and becoming a part of an ethnic minority group in the new country. Therefore, White British people who have never migrated do not have a great sense of ethnic identity. Further, a strong sense of ethnic identity is linked with identifying with the collective rather than the individual, which explains why the White British participants gave an individualist account of their motivations for informal care, whereas the minority ethnic participants gave a collectivist account of their motivations of care. Crucially, members of all ethnic groups were providing or receiving informal care, so it was the attribution and not the behaviour which differed.

Year-round daylight saving time will save more energy in India than corresponding DST or time zones

International Nuclear Information System (INIS)

Ahuja, Dilip R.; SenGupta, D.P.

2012-01-01

Many countries have experimented with daylight saving time (DST) to save energy and to align human activities more closely to the daily cycle of light and darkness. Using a novel methodology, we estimate the year-round energy savings to be obtained from advancing Indian Standard Time (IST), from the introduction of DST, and from dividing the country into two time zones. We find that the option of advancing IST consistently saves more energy than the corresponding DST option, which in turn saves more energy than the corresponding time zones option. This is because the energy benefits of advancing IST accrue for the entire year throughout the country, whereas the benefits of DST are confined to summer months and the benefits of two time zones are largely in the lower energy consuming eastern region. We recommend advancing IST by half-hour to being six hours ahead of UTC. This confers the advantages of DST and time zones without their disadvantages and is forecast to save more than 2 billion kWh of electricity every year during evening peaks that are difficult to supply. While these results are India-specific, similar exercises would be useful to many other countries. - Highlights: ► Advancing IST (YRDST) consistently saves more energy than the corresponding DST. ► DST consistently saves more energy than dividing India into two time zones. ► There are also many non-energy benefits of advancing IST. ► Results are for India; countries with DST may find it useful to consider YRDST.

Accounting for individualized competing mortality risks in estimating postmenopausal breast cancer risk

Science.gov (United States)

Schonberg, Mara A.; Li, Vicky W.; Eliassen, A. Heather; Davis, Roger B.; LaCroix, Andrea Z.; McCarthy, Ellen P.; Rosner, Bernard A.; Chlebowski, Rowan T.; Hankinson, Susan E.; Marcantonio, Edward R.; Ngo, Long H.

2016-01-01

Purpose Accurate risk assessment is necessary for decision-making around breast cancer prevention. We aimed to develop a breast cancer prediction model for postmenopausal women that would take into account their individualized competing risk of non-breast cancer death. Methods We included 73,066 women who completed the 2004 Nurses’ Health Study (NHS) questionnaire (all ≥57 years) and followed participants until May 2014. We considered 17 breast cancer risk factors (health behaviors, demographics, family history, reproductive factors), 7 risk factors for non-breast cancer death (comorbidities, functional dependency), and mammography use. We used competing risk regression to identify factors independently associated with breast cancer. We validated the final model by examining calibration (expected-to-observed ratio of breast cancer incidence, E/O) and discrimination (c-statistic) using 74,887 subjects from the Women’s Health Initiative Extension Study (WHI-ES; all were ≥55 years and followed for 5 years). Results Within 5 years, 1.8% of NHS participants were diagnosed with breast cancer (vs. 2.0% in WHI-ES, p=0.02) and 6.6% experienced non-breast cancer death (vs. 5.2% in WHI-ES, prisk factors, 5 comorbidities, functional dependency, and mammography use. The model’s c-statistic was 0.61 (95% CI [0.60–0.63]) in NHS and 0.57 (0.55–0.58) in WHI-ES. On average our model under predicted breast cancer in WHI-ES (E/O 0.92 [0.88–0.97]). Conclusions We developed a novel prediction model that factors in postmenopausal women’s individualized competing risks of non-breast cancer death when estimating breast cancer risk. PMID:27770283

Implementation of energy-saving policies in China: How local governments assisted industrial enterprises in achieving energy-saving targets

International Nuclear Information System (INIS)

Zhao, Xiaofan; Li, Huimin; Wu, Liang; Qi, Ye

2014-01-01

Local governments have replaced the national ministries that are in charge of various industries to become the primary implementer of energy-saving policies in China since 2000. This paper employs a case study-based approach to demonstrate the significance of local governments’ policy measures in assisting industrial enterprises with energy-saving activities in China. Based on the longitudinal case of the Jasmine Thermal Electric Power Company, this paper hypothesizes that sub-national governments have played a major role in implementing energy-saving policies in China since the 11th Five-year-plan period. A wide range of provincial and municipal agencies collaborated in implementing five types of policy measures – informational policy, skill building, improved enforcement of central directives, price adjustment, and funding – that reduced barriers to energy saving and motivated active pursuit of energy-saving activities at industrial enterprises. The case study demonstrates how an enterprise and local governments work together to achieve the enterprise's energy-saving target. The authors will investigate the hypothesis of this paper in the context of multiple case studies that they plan to undertake in the future. - Highlights: • We employ a case study-based approach to study policy implementation in China. • Local governments have played a major role in implementing energy-saving policies. • Local public agencies collaborated in implementing five types of policy measures. • Local policy measures reduced barriers to energy saving at industrial enterprises. • Enterprises and local governments work together to achieve energy-saving targets

Social Optimization and Pricing Policy in Cognitive Radio Networks with an Energy Saving Strategy

Directory of Open Access Journals (Sweden)

Shunfu Jin

2016-01-01

Full Text Available The rapid growth of wireless application results in an increase in demand for spectrum resource and communication energy. In this paper, we firstly introduce a novel energy saving strategy in cognitive radio networks (CRNs and then propose an appropriate pricing policy for secondary user (SU packets. We analyze the behavior of data packets in a discrete-time single-server priority queue under multiple-vacation discipline. With the help of a Quasi-Birth-Death (QBD process model, we obtain the joint distribution for the number of SU packets and the state of base station (BS via the Matrix-Geometric Solution method. We assess the average latency of SU packets and the energy saving ratio of system. According to a natural reward-cost structure, we study the individually optimal behavior and the socially optimal behavior of the energy saving strategy and use an optimization algorithm based on standard particle swarm optimization (SPSO method to search the socially optimal arrival rate of SU packets. By comparing the individually optimal behavior and the socially optimal behavior, we impose an appropriate admission fee to SU packets. Finally, we present numerical results to show the impacts of system parameters on the system performance and the pricing policy.

Small Businesses Save Big: A Borrower's Guide To Increase the Bottom Line Using Energy Efficiency (Fact Sheet)

Energy Technology Data Exchange (ETDEWEB)

2015-01-01

Dollars saved through energy efficiency can directly impact your bottom line. Whether you are planning for a major renovation or upgrading individual pieces of building equipment, these improvements can help reduce operating costs, save on utility bills, and boost profits. This fact sheet provides a guide for small businesses to find the resources to increase the energy efficiency of their buildings.

La formation de l'accountability en situations conflictuelles

OpenAIRE

Grisard, Claudine

2014-01-01

This doctoral thesis examines Robert’s (1991) conceptualization of accountability in conflicting situations. In organizational contexts, individuals give account in two ways; at a distance, to show that their actions are aligned with the main goals of the company – hierarchical accountability -; in face-to-face situations, to provide explanations to people they meet - social accountability. First I study how accountability takes shape when an individual faces two antagonist demands for accoun...

76 FR 21894 - Proposed Statement of Antitrust Enforcement Policy Regarding Accountable Care Organizations...

Science.gov (United States)

2011-04-19

... contractual clauses or provisions 2. Tying sales (either explicitly or implicitly through pricing policies) of... Enforcement Policy Regarding Accountable Care Organizations Participating in the Medicare Shared Savings... (the ``Agencies'') are proposing an enforcement policy regarding the application of the antitrust laws...

Potential energy savings in renovation projects of residential and service buildings; Energiansaeaestoemahdollisuudet rakennuskannan korjaustoiminnassa

Energy Technology Data Exchange (ETDEWEB)

Heljo, J.; Vihola, J.

2012-11-01

maintenance. Residential buildings, about 70 % of which are owned by private individuals, play a major role in renovation. The owners cannot be enticed or ordered to implement renovations that they do not find sensible or cannot afford. Especially in areas facing an uncertain future, the financial capacity for expensive renovation measures is low. In theory, it is possible to save considerably more energy than is considered feasible. The theoretical savings potential was estimated by making the entire residential and service building stock correspond to 2010 energy regulations for new construction in the calculation model. That resulted in about 40 % savings in the existing stock. That level is, however, realisable only in the case of individual buildings. Since some buildings and structural elements have already been renovated, and some will not be renovated for various reasons, a maximum of half of this theoretical savings potential in the entire building stock (about 20 %) will be realised by 2050. The limiting factors are technical, economical, functional and decision-making related. The key piece of input data for calculations was the number of renovation operations in connection with which energy-saving measures can be carried out. An average of about 2 % of structural elements are repaired annually. More windows are replaced than other elements. Annual energy savings depend on the rate of renovations and the energy efficiency of selected solutions. The feasible annual extra savings in heating energy from renovations varies from 0,2-0,7 % in the case of the existing residential and service building stock. In 2020 the cumulative annual savings would thus be 2-7 % and in 2050 8-28 % compared to 2010. The in-between values can be interpolated linearly. Based on the calculations of this study, the realisable savings potential in the current building stock would be about 20 % in 2050. That is assumed possible, but without intensified energy-saving measures, the savings could

Savings serving energy transition Green finance: a powerful and citizen-oriented tool. Working paper no. 11

International Nuclear Information System (INIS)

Vergne, Frederique; Kerhoas, Mailys; Lety, Benoit; Lutzky, Ana

2015-06-01

the earmarking of savings to energy transition funding. To take all these elements into account, this measure will be completed by a series of regulatory, tax and incentive provisions favouring the possession of 'green' products: establishing a tax system approving individuals' green savings, rallying institutional investors and recognizing climate as a systemic risk in regulations

The role of behavioral economics and behavioral decision making in Americans' retirement savings decisions.

Science.gov (United States)

Knoll, Melissa A Z

2010-01-01

Traditional economic theory posits that people make decisions by maximizing a utility function in which all of the relevant constraints and preferences are included and weighed appropriately. Behavioral economists and decision-making researchers, however, are interested in how people make decisions in the face of incomplete information, limited cognitive resources, and decision biases. Empirical findings in the areas of behavioral economics and judgment and decision making (JDM) demonstrate departures from the notion that man is economically rational, illustrating instead that people often act in ways that are economically suboptimal. This article outlines findings from the JDM and behavioral-economics literatures that highlight the many behavioral impediments to saving that individuals may encounter on their way to financial security. I discuss how behavioral and psychological issues, such as self-control, emotions, and choice architecture can help policymakers understand what factors, aside from purely economic ones, may affect individuals' savings behavior.

14 CFR 152.305 - Accounting records.

Science.gov (United States)

2010-01-01

... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Accounting records. 152.305 Section 152.305... AIRPORT AID PROGRAM Accounting and Reporting Requirements § 152.305 Accounting records. (a) Airport... individual project, an accounting record satisfactory to the Administrator which segregates cost information...

Effectiveness of brokering within account management organizations

NARCIS (Netherlands)

Dekker, D.J.; Stokman, F.N.; Franses, P.H.B.F.

2004-01-01

We present a model that integrates the contradicting Burtian and Krackhardtian broker theories to explain effectiveness of brokering for individuals within account management organizations. Using data on a network of 55 individuals in a financial account management organization, we test how

Energy Saving in an ETC Solar System to Produce High Temperature Water

Directory of Open Access Journals (Sweden)

Carlos J. Porras-Prieto

2018-04-01

Full Text Available The use of solar water heating systems (SWHS based on evacuated tube collectors (ETC has experienced rapid growth in the residential sector. In contrast, the implementation of these systems in the industrial sector is very limited, due in part to the demand of a higher temperature in water. Taking into account that the final energy of the industrial sector is similar to the residential sector, to increase the generation of renewable energy and energy saving in cities, efforts in this sector should be redoubled. Therefore, the present work characterises the behaviour of a SWHS-ETC with active circulation to produce hot water at 90 °C, determining its performance, energy saving and profitability in different scenarios in Europe. The annual energy savings generated by the SWHS Range between 741 and 435 kWh m−2 (reduction of emissions between 215 and 88 kg CO2 m−2. The results of the analysis of profitability, studying the variation of the conventional energy price, the cost of the investment, the useful life and the energy supplied, in thousands of scenarios, are a valuable tool for correct decision making, as they can be of great utility to increase the implementation of these systems in the industrial sector.

Consumer behaviours: Teaching children to save energy

Science.gov (United States)

Grønhøj, Alice

2016-08-01

Energy-saving programmes are increasingly targeted at children to encourage household energy conservation. A study involving the assignment of energy-saving interventions to Girl Scouts shows that a child-focused intervention can improve energy-saving behaviours among children and their parents.

Psychological interventions for energy saving. Development and evaluation of an electricity consumption reduction campaign in an urban development of energy-saving buildings; Energiesparen foerdern durch psychologische Intervention. Entwicklung und Evaluation einer Stromsparkampagne in einer Energiesparhaussiedlung

Energy Technology Data Exchange (ETDEWEB)

Mack, B.

2007-07-01

The study analyzes models of action of social psychology - in particular also an approach to institutionalize routine behaviour patterns - in order to identify the influencing factors that are described and the strategies for energy saving which are promoted. It also presents a comprehensive outline of current intervention studies and identifies effective strategy combinations which may serve as a basis for effective energy conservation campaigns. Against this background, an intervention measure for a neighbourhood context is developed and evaluated which is to promote energy-saving patterns of energy use in private households. The long-term effects suggest that it is a promising strategy to use a combination of information, commitment, goal identification, and individual and comparative feedback and to make use of group processes in a social context for developing energy-saving (routine) behaviour patterns. (orig.)

32 CFR 310.25 - Disclosure accounting.

Science.gov (United States)

2010-07-01

... 32 National Defense 2 2010-07-01 2010-07-01 false Disclosure accounting. 310.25 Section 310.25....25 Disclosure accounting. (a) Disclosure accountings. (1) Keep an accurate record of all disclosures... accounting is required even if the individual has consented to the disclosure of the information. (3...

Accounting for Investement Property Under Romanian Accounting System

Directory of Open Access Journals (Sweden)

Sava Raluca

2015-04-01

Full Text Available Investment property, an important component of the current assets, need special attention both in terms of their impact on accounting and well as in reporting the annual financial statements. Internationally their accounting treatment is presented by the IAS 40 Investment property issued in 2000 and being operative for annual periods beginning on or after 1 January 2001 with a number of subsequent amendments.First step in aligning the Romanian accounting system (RAS to the international accounting and financial reporting standards has manifested in terms of properties starting with 2012 but only for the listed companies - OMFP 1286 which has brought significant changes in the execution way of the individual financial statements of these companies and in terms of the accounting presentation of the investment properties and fixed assets held for sale. In accordance with this order and the Romanian accounting rules recognize investment properties as being a separate component of the fixed assets, applying the provisions of IAS 40.This paper deals with the next step by presenting the occurred legislative changes related to the accounting treatment of the investment property, changes that are applicable to all the Romanian companies, not just those listed on the stock exchange, starting from the financial year 2015.

Chapter 16: Retrocommissioning Evaluation Protocol. The Uniform Methods Project: Methods for Determining Energy Efficiency Savings for Specific Measures

Energy Technology Data Exchange (ETDEWEB)

Kurnik, Charles W. [National Renewable Energy Laboratory (NREL), Golden, CO (United States); Tiessen, Alex [Posterity Group, Derwood, MD (United States)

2017-10-09

Retrocommissioning (RCx) is a systematic process for optimizing energy performance in existing buildings. It specifically focuses on improving the control of energy-using equipment (e.g., heating, ventilation, and air conditioning [HVAC] equipment and lighting) and typically does not involve equipment replacement. Field results have shown proper RCx can achieve energy savings ranging from 5 percent to 20 percent, with a typical payback of two years or less (Thorne 2003). The method presented in this protocol provides direction regarding: (1) how to account for each measure's specific characteristics and (2) how to choose the most appropriate savings verification approach.

Determining the Cost-Savings Threshold and Alignment Accuracy of Patient-Specific Instrumentation in Total Ankle Replacements.

Science.gov (United States)

Hamid, Kamran S; Matson, Andrew P; Nwachukwu, Benedict U; Scott, Daniel J; Mather, Richard C; DeOrio, James K

2017-01-01

Traditional intraoperative referencing for total ankle replacements (TARs) involves multiple steps and fluoroscopic guidance to determine mechanical alignment. Recent adoption of patient-specific instrumentation (PSI) allows for referencing to be determined preoperatively, resulting in less steps and potentially decreased operative time. We hypothesized that usage of PSI would result in decreased operating room time that would offset the additional cost of PSI compared with standard referencing (SR). In addition, we aimed to compare postoperative radiographic alignment between PSI and SR. Between August 2014 and September 2015, 87 patients undergoing TAR were enrolled in a prospectively collected TAR database. Patients were divided into cohorts based on PSI vs SR, and operative times were reviewed. Radiographic alignment parameters were retrospectively measured at 6 weeks postoperatively. Time-driven activity-based costing (TDABC) was used to derive direct costs. Cost vs operative time-savings were examined via 2-way sensitivity analysis to determine cost-saving thresholds for PSI applicable to a range of institution types. Cost-saving thresholds defined the price of PSI below which PSI would be cost-saving. A total of 35 PSI and 52 SR cases were evaluated with no significant differences identified in patient characteristics. Operative time from incision to completion of casting in cases without adjunct procedures was 127 minutes with PSI and 161 minutes with SR ( P cost-savings threshold range at our institution of $863 below which PSI pricing would provide net cost-savings. Two-way sensitivity analysis generated a globally applicable cost-savings threshold model based on institution-specific costs and surgeon-specific time-savings. This study demonstrated equivalent postoperative TAR alignment with PSI and SR referencing systems but with a significant decrease in operative time with PSI. Based on TDABC and associated sensitivity analysis, a cost-savings threshold

Accounting utility for determining individual usage of production level software systems

Science.gov (United States)

Garber, S. C.

1984-01-01

An accounting package was developed which determines the computer resources utilized by a user during the execution of a particular program and updates a file containing accumulated resource totals. The accounting package is divided into two separate programs. The first program determines the total amount of computer resources utilized by a user during the execution of a particular program. The second program uses these totals to update a file containing accumulated totals of computer resources utilized by a user for a particular program. This package is useful to those persons who have several other users continually accessing and running programs from their accounts. The package provides the ability to determine which users are accessing and running specified programs along with their total level of usage.

ONU Power Saving Scheme for EPON System

Science.gov (United States)

Mukai, Hiroaki; Tano, Fumihiko; Tanaka, Masaki; Kozaki, Seiji; Yamanaka, Hideaki

PON (Passive Optical Network) achieves FTTH (Fiber To The Home) economically, by sharing an optical fiber among plural subscribers. Recently, global climate change has been recognized as a serious near term problem. Power saving techniques for electronic devices are important. In PON system, the ONU (Optical Network Unit) power saving scheme has been studied and defined in XG-PON. In this paper, we propose an ONU power saving scheme for EPON. Then, we present an analysis of the power reduction effect and the data transmission delay caused by the ONU power saving scheme. According to the analysis, we propose an efficient provisioning method for the ONU power saving scheme which is applicable to both of XG-PON and EPON.

12 CFR 541.18 - Interim Federal savings association.

Science.gov (United States)

2010-01-01

... an existing savings and loan holding company or to facilitate any other transaction the Office may... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Interim Federal savings association. 541.18... REGULATIONS AFFECTING FEDERAL SAVINGS ASSOCIATIONS § 541.18 Interim Federal savings association. The term...

The use of environmental accounting to determine energy saving in Mpumalanga Hotels, South Africa

CSIR Research Space (South Africa)

Machete, Fannie

2016-12-01

Full Text Available This paper presents an energy characterisation framework that is based on environmental and carbon management accounting principles and practices that promotes green growth in societies. Primary data was collected through survey questionnaires...

Psychological determinants of financial buffer saving : The influence of financial risk tolerance and regulatory focus

NARCIS (Netherlands)

Magendans, J.; Gutteling, Jan M.; Zebel, Sven

With governments redistributing more responsibilities unto citizens, individuals have an increasing need for financial resources acting as a buffer against life’s setbacks and unexpected expenditures. The purpose of this study was to examine psychological determinants of saving for a financial

Accounting as Myth Maker

Directory of Open Access Journals (Sweden)

Kathy Rudkin

2007-06-01

Full Text Available Accounting is not only a technical apparatus, but also manifests a societal dimension. Thispaper proposes that accounting is a protean and complex form of myth making, and as suchforms a cohesive tenet in societies. It is argued that there are intrinsic parallels between thetheoretical attributes of myth and accounting practice, and that these mythicalcharacteristics sustain the existence and acceptance of accounting and its consequences insocieties over time. A theoretical exploration of accounting as a form of myth revealsaccounting as pluralistic and culturally sensitive. Such an analysis challenges theoreticalexplanations of accounting that are presented as a “grand narrative” universalunderstanding of accounting. Manifestations of the attributes of myth are described in thecalculus and artefacts of accounting practice to demonstrate how accounting stories andbeliefs are used as a form of myth by individuals to inform and construe their worldpicture.

Pyrolysis and gasification of meat-and-bone-meal: Energy balance and GHG accounting

DEFF Research Database (Denmark)

Cascarosa, Esther; Boldrin, Alessio; Astrup, Thomas Fruergaard

2013-01-01

the main products in the gasification system. These products can be used – eventually after upgrading – for energy production, thereby offsetting energy production elsewhere in the system. Greenhouse gases (GHG) accounting of the technologies showed that all three options provided overall GHG savings...

Trade reform, policy uncertainty, and the current account: a non expected-utility approach

NARCIS (Netherlands)

van Wijnbergen, S.J.G.

1992-01-01

Rapid and comprehensive reduction in barriers to international trade has often been followed by a sharp deterioration in the current account. The macroeconomic counterpart of the deterioration has typically been a decline in private savings; no clear response pattern has been observed for private

Small Businesses Save Big: A Guide to Help SBA Lenders Understand and Communicate the Value of Energy Efficiency Investments (Fact Sheet)

Energy Technology Data Exchange (ETDEWEB)

2015-01-01

Dollars saved through energy efficiency can directly impact your bottom line. Whether you are planning for a major renovation or upgrading individual pieces of building equipment, these improvements can help reduce operating costs, save on utility bills, and boost profits. This fact sheet provides guidelines for SBA lenders to understand the value of financing energy efficiency investments.

ONU power saving modes in next generation optical access networks: progress, efficiency and challenges.

Science.gov (United States)

Dixit, Abhishek; Lannoo, Bart; Colle, Didier; Pickavet, Mario; Demeester, Piet

2012-12-10

The optical network unit (ONU), installed at a customer's premises, accounts for about 60% of power in current fiber-to-the-home (FTTH) networks. We propose a power consumption model for the ONU and evaluate the ONU power consumption in various next generation optical access (NGOA) architectures. Further, we study the impact of the power savings of the ONU in various low power modes such as power shedding, doze and sleep.

Prescription Program Provides Significant Savings

Science.gov (United States)

Rowan, James M.

2010-01-01

Most school districts today are looking for ways to save money without decreasing services to its staff. Retired pharmacist Tim Sylvester, a lifelong resident of Alpena Public Schools in Alpena, Michigan, presented the district with a pharmaceuticals plan that would save the district money without raising employee co-pays for prescriptions. The…

Good practice in saving energy at school

Science.gov (United States)

Veronesi, Paola; Bonazzi, Enrico

2014-05-01

We teach students between 14 and 18 years old at a high school in Italy. In the first class, one of the topics we treat is related to the atmosphere. The students learn the composition of air, the importance of the natural greenhouse effect in keeping the average temperature of the planet and how human activity is increasing the level of greenhouse gases, enhancing greenhouse effect and causing global warming. It is possible to reach this knowledge using different materials and methods such as schoolbooks, articles, websites or films, individual or group work, but as students gradually become aware of the problem of climate change due to global warming, it is necessary to propose a solution that can be experienced and measured by students. This is the aim of the project "Switch off the light, to switch on the future". The project doesn't need special materials to be carried out but all the people in the community who work and "live" at school should participate in it. The project deals directly with saving electric energy, by changing the habits of the use of electricity. Saving electric energy means saving CO2 emitted to atmosphere, and consequently contributing to the reduction of greenhouse gases emission. Normally, lights in the school are switched on in the early morning and switched off at the end of lessons. Nobody is responsible to turn out the lights in classes, so students choose one or two "Light guardians" who are responsible for the light management. Simple rules for light management are written and distributed in the classes so that the action of saving energy is spread all over the school. One class participates in the daily data collection from the electricity meter, before and after the beginning of the action. At the end of the year the data are treated and presented to the community, verifying if the electric consumption has been cut down or not. This presentation is public, with students who directly introduce collected data, results and

12 CFR 583.20 - Savings and loan holding company.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Savings and loan holding company. 583.20... REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.20 Savings and loan holding company. The term savings and loan holding company means any company that directly or indirectly controls a savings...

Macroeconomic determinants of savings in Egypt "Statistical Model"

Directory of Open Access Journals (Sweden)

Hanaa Abdelaty Hasan Esmail

2014-07-01

Full Text Available Like lot of countries, aggregate consumption constitutes a major portion of Gross Domestic Product (GDP in Egypt. Consumption decisions determine savings decisions. In long term growth literature, differences in long term growth had been explained to a large extent by differences in the rates of savings which also determine a country’s investment in productive capacity, human capital and socio-economic infrastructure. In this study, we analyse macroeconomic determinants of savings in Egypt using Ordinary multiple regression. Our results indicate that national savings rate is positively related with real GDP growth rate. This suggests that saving is a positive function of income. The evidence suggests that national savings rate is negatively related with federal debt growth and inflation. This hints towards crowding out of private sector investment through decline in savings rate as a result of government’s indebtedness. Finally, negative association between savings rate and inflation implies that the consumer is rational and makes decisions based on his perceptions when it comes to allocating the lifetime resources over the period of his life. Increase in inflation dampens the incentive to save and people respond rationally which is made evident by the negative sign on inflation coefficient in our model.

Accounting Faculty Internships

Directory of Open Access Journals (Sweden)

Jill Christopher

2013-06-01

Full Text Available Accounting professionals, business college accrediting bodies, and even accounting academics themselves acknowledge that there is a disconnect between academe and the rigors and requirements of the accounting profession. Among the suggestions proposed in the literature to reduce this gap is the faculty internship, where accounting faculty members work within the field as accountants. Heretofore, individual case studies report benefits of such internships that accrue to a variety of stakeholder groups beyond just the faculty intern and include the academic institution, students, and accounting profession through faculty internships. This research seeks wider support for these benefits. This descriptive study involved surveying a sample of accounting faculty members to get their opinions about the benefits and drawbacks of faculty internships, and to determine the level of use of faculty internships in accounting. In all, 128 usable responses were obtained, representing a 14.6% response rate. The results of this study reveal that although most faculty members acknowledge the benefits cited in the literature, too few take advantage of faculty internships.

Accounting for taste: individual differences in preference for harmony.

Science.gov (United States)

Palmer, Stephen E; Griscom, William S

2013-06-01

Although empirical research on aesthetics has had some success in explaining the average preferences of groups of observers, relatively little is known about individual differences in preference, and especially about how such differences might covary across different domains. In this study, we identified a new factor underlying aesthetic response-preference for harmonious stimuli-and examined how it varies over four domains (color, shape, spatial location, and music) across individuals with different levels of training in art and music. We found that individual preferences for harmony are strongly correlated across all four dimensions tested and decrease consistently with training in the relevant aesthetic domains. Confirmatory factor analysis revealed that cross-domain preference for harmony is well-represented as a single, unified factor, with effects separate from those of training and of common personality measures.

Cogeneration an opportunity for industrial energy saving

International Nuclear Information System (INIS)

Pasha, R.A.; Butt, Z.S.

2011-01-01

This paper is about the cogeneration from industrial energy savings opportunities perspective. The energy crisis in these days forces industry to find ways to cope with critical situation. There are several energy savings options which if properly planned and implemented would be beneficial both for industry and community. One way of energy saving is Cogeneration i.e. Combined Heat and Power. The paper will review the basic methods, types and then discuss the suitability of these options for specific industry. It has been identified that generally process industry can get benefits of energy savings. (author)

Energy conservation. Federal shared energy savings contracting

International Nuclear Information System (INIS)

Fultz, Keith O.; Milans, Flora H.; Kirk, Roy J.; Welker, Robert A.; Sparling, William J.; Butler, Sharon E.; Irwin, Susan W.

1989-04-01

A number of impediments have discouraged federal agencies from using shared energy savings contracts. As of November 30, 1988, only two federal agencies - the U.S. Postal Service (USPS) and the Department of the Army -had awarded such contracts even though they can yield significant energy and cost savings. The three major impediments we identified were uncertainty about the applicability of a particular procurement policy and practice, lack of management incentives, and difficulty in measuring energy and cost savings. To address the first impediment, the Department of Energy (DOE) developed a manual on shared energy savings contracting. The second impediment was addressed when the 100th Congress authorized incentives for federal agencies to enter into shared savings contracts. DOE addressed the third impediment by developing a methodology for calculating energy consumption and cost savings. However, because of differing methodological preferences, this issue will need to be addressed on a contract-by-contract basis. Some state governments and private sector firms are using performance contracts to reduce energy costs in their buildings and facilities. We were able to identify six states that were using performance contracts. Five have established programs, and all six states have projects under contract. The seven energy service companies we contacted indicated interest in federal shared energy savings contracting

7 CFR 253.6 - Eligibility of households.

Science.gov (United States)

2010-01-01

... resources of a household, only cash on hand, money in checking or savings accounts, savings certificates..., such as a Keogh plan or an Individual Retirement Account (IRA), as long as the funds remain in the... course would be excluded. However, transportation, supplies, and textbook expenses are not uniformly...

The Effectiveness of Micro-credit Programmes Focusing on Household Income, Expenditure and Savings: Evidence From Bangladesh

Directory of Open Access Journals (Sweden)

Choudhury Haque Ariful

2017-06-01

Full Text Available This paper assesses the effectiveness of microfinance on household income, expenditure and savings. The survey examined those borrowers who had successfully completed at least three cycles of a loan. A household level survey (N=3000 was carried out to collect information about individuals receiving microcredit from one of the largest NGOs, ASA. The authors employed a multiple regression and discovered that the microcredit programme of ASA has a significant positive impact on household income, expenditures and savings. Moreover, the paper reveals that the level of education plays an important and statistically significant role in increasing the household income, expenditure and savings. Hence, the ASA microcredit programme has a positive impact on reducing poverty in Bangladesh and enhancing the competitiveness of deprived rural and urban households in improving their standard of living.

Feeding your piggy bank with intentions : A study on saving behaviour, saving strategies, and happiness

NARCIS (Netherlands)

De Francisco Vela, S.; Desmet, P.M.A.; Casais, M.

2014-01-01

The act of saving money can connect one’s present state to a meaningful future state, especially if we consider money not as a direct source of happiness, but as a resource for engaging in meaningful activities. To explore how design can contribute to making the act of saving more meaningful, we

Saving electricity in a hurry - update 2011

Energy Technology Data Exchange (ETDEWEB)

Pasquier, Sara Bryan

2011-06-15

As demonstrated by the March 2011 earthquake and tsunami-triggered blackouts in Japan, electricity shortfalls can happen anytime and anywhere. Countries can minimise the negative economic, social and environmental impacts of such electricity shortfalls by developing emergency energy-saving strategies before a crisis occurs. This new IEA report highlights preliminary findings and conclusions from electricity shortfalls in Japan, the United States, New Zealand, South Africa and Chile. It draws on recent analysis to: reinforce well-established guidelines on diagnosing electricity shortfalls, identifying energy-saving opportunities and selecting a package of energy-saving measures; and highlight proven practice for implementing emergency energy-saving programmes. This paper will be valuable to government, academic, private-sector and civil-society stakeholders who inform, develop and implement electricity policy in general, and emergency energy-saving programmes in particular.

Commitment is the key to these accounts

International Nuclear Information System (INIS)

Yborra, S.

1996-01-01

Key accounts--A.G.A.'s name for regional and national multi-unit accounts--affect gas load and market share in several ways. Many make their equipment and energy policies and decisions at the corporate or regional level, making gas company sales and marketing efforts to them critical, since multiple installations will likely emanate from a single decision. To survive, chains often mimic each other; a money-saving idea implemented by one chain can lead to others in that market sector copying it. A successful equipment field trial with one of these accounts can lead to others following suit. Chains also can play a critical role in launching a new or emerging technology. It a gas equipment test demonstrate meets the chain's energy goals, it can lead to a significant number of orders, accelerating a product's market penetration, improving manufacturing economies of scale, lowering prices and speeding up delivery times. A.G.A.'s key-accounts program's marketing activities fall into three basic categories: assisting chain clients, either directly or through members; enhancing members' key-account program development through training and networking; and increasing chains' awareness of the benefits of gas energy, equipment and services through national forums such as trade expos, seminars, conferences and press exposure

CONVERSION OF FOREIGN COMPANIES ACCOUNTS IN THE ACCOUNT CONSOLIDATION PROCESS IN ROMANIA UNDER THE CLOSING RATE METHOD

Directory of Open Access Journals (Sweden)

Mariana BANUTA

2017-12-01

Full Text Available The article approaches a topical theme of debate both in the professional academic environment and especially in the economic practice, i.e. the manner of converting the accounts of foreign companies in the account consolidation process, in Romania. We analyse the conditions of applying the accounting regulations related to the consolidation of accounts, in Romania, focusing on the manner of converting the accounts of the foreign companies according to Order no. 1802/2014 approving the accounting regulations on individual annual financial statements and consolidated annual financial statements and to the International Financial Reporting Standards (IFRS. We focused on the presentation of the practical method of applying the conversion of the accounts of the foreign companies according to the closing rate method, because irrespective of the accounting referential applied by the parent company for consolidation, this method occurs in the pre-consolidation stage, if the group leader has affiliates abroad, and the individual financial statements of the companies in the consolidation perimeter have different disclosure currencies.

Chinese hotel general managers' perspectives on energy-saving practices

Science.gov (United States)

Zhu, Yidan

As hotels' concern about sustainability and budget-control is growing steadily, energy-saving issues have become one of the important management concerns hospitality industry face. By executing proper energy-saving practices, previous scholars believed that hotel operation costs can decrease dramatically. Moreover, they believed that conducting energy-saving practices may eventually help the hotel to gain other benefits such as an improved reputation and stronger competitive advantage. The energy-saving issue also has become a critical management problem for the hotel industry in China. Previous research has not investigated energy-saving in China's hotel segment. To achieve a better understanding of the importance of energy-saving, this document attempts to present some insights into China's energy-saving practices in the tourist accommodations sector. Results of the study show the Chinese general managers' attitudes toward energy-saving issues and the differences among the diverse hotel managers who responded to the study. Study results indicate that in China, most of the hotels' energy bills decrease due to the implementation of energy-saving equipments. General managers of hotels in operation for a shorter period of time are typically responsible for making decisions about energy-saving issues; older hotels are used to choosing corporate level concerning to this issue. Larger Chinese hotels generally have official energy-saving usage training sessions for employees, but smaller Chinese hotels sometimes overlook the importance of employee training. The study also found that for the Chinese hospitality industry, energy-saving practices related to electricity are the most efficient and common way to save energy, but older hotels also should pay attention to other ways of saving energy such as water conservation or heating/cooling system.

Assessment of energy savings and of side effects associated with consumption cutoffs. Complete report + abridged version

International Nuclear Information System (INIS)

2016-03-01

As France has been the first European country to implement a legal and regulatory framework which acknowledges the role of cut-off operators, and promotes their direct participation to markets, this report aims at preparing an evolution of this framework, notably by focusing on the notion of energy saving. It highlights the importance of definitions regarding levels of consumption deferment and of energy saving associated with consumption cutoffs. The report first analyses the context: assessment of energy savings associated with consumption cutoffs, discussion of the existence or absence of a typical profile of consumption deferment, and definition of a consumption deferment rate, importance of these works for cut-off integration into the electric power system. It proposes a presentation of the present status of knowledge on energy savings and side effects, defines the energy saving rate, and discusses the sensitivity of this rate to calculation parameters. The next part presents the method adopted to analyse results obtained during experiments. The obtained results are then discussed by distinguishing those obtained in the industrial sector, in the tertiary sector, and in the residential sector. Economic studies are then reported regarding the impact of a wrong choice for the deferment rate on market mechanism rules, and the impact of an explicit taking of the deferment into account. Appendices contain detailed presentations of some specific aspects of these assessments and studies. An abridged version of the report is then provided

32 CFR 701.111 - Disclosure accounting.

Science.gov (United States)

2010-07-01

... 32 National Defense 5 2010-07-01 2010-07-01 false Disclosure accounting. 701.111 Section 701.111... THE NAVY DOCUMENTS AFFECTING THE PUBLIC DON Privacy Program § 701.111 Disclosure accounting. Disclosure accounting allows the individual to determine what agencies or persons have been provided...

Variable flow controls of closed system pumps for energy savings in maritime power systems

DEFF Research Database (Denmark)

Su, Chun-Lien; Liao, Chi-Hsiang; Chou, Tso-Chu

2016-01-01

and field tests of a practical auxiliary boiler feed water management system on a commercial vessel. It is proved that the proposed method can maintain constant water pressure for closed system pumps and provide an efficient way to measure energy savings and maintenance benefits. The results serve......Pumps are extensively used in maritime industries as marine vessels utilize a wide range of pumps and pumping techniques to transfer and distribute all types of air and fluids. The electrical energy consumed by the various motors accounts for about 70% of a vessel’s total power consumption......, and this presents a problem in unique marine environments. Such situations are especially conducive to energy-saving strategies using variable frequency drives (VFDs) in centrifugal load service. This paper presents the design and results of applying variable frequency constant pressure technology in closed system...

Strategic planning for saving the lives of mothers, newborns and children and preventing stillbirths in KwaZulu-Natal province South Africa: modelling using the Lives Saved Tool (LiST).

Science.gov (United States)

McGee, Shelley-Ann; Chola, Lumbwe; Tugendhaft, Aviva; Mubaiwa, Victoria; Moran, Neil; McKerrow, Neil; Kamugisha, Leonard; Hofman, Karen

2016-01-19

KwaZulu-Natal province in South Africa has the largest population of children under the age of five and experiences the highest number of child births per annum in the country. Its population has also been ravaged by the dual epidemics of HIV and TB and it has struggled to meet targets for maternal and child mortality. In South Africa's federal system, provinces have decision-making power on the prioritization and allocation of resources within their jurisdiction. As part of strategic planning for 2015-2019, KwaZulu-Natal provincial authorities requested an assessment of current mortality levels in the province and identification and costing of priority interventions for saving additional maternal, newborn and child lives, as well as preventing stillbirths in the province. The Lives Saved Tool (LiST) was used to determine the set of interventions, which could save the most additional maternal and child lives and prevent stillbirths from 2015-2019, and the costs of these. The impact of family planning was assessed using two scenarios by increasing baseline coverage of modern contraception by 0.5 percentage points or 1 percentage point per annum. A total of 7,043 additional child and 297 additional maternal lives could be saved, and 2,000 stillbirths could be prevented over five years. Seventeen interventions account for 75% of additional lives saved. Increasing family planning contributes to a further reduction of up to 137 maternal and 3,168 child deaths. The set of priority interventions scaled up to achievable levels, with no increase in contraception would require an additional US$91 million over five years or US$1.72 per capita population per year. By increasing contraceptive prevalence by one percentage point per year, overall costs to scale up to achievable coverage package, decrease by US$24 million over five years. Focused attention on a set of key interventions could have a significant impact on averting stillbirths and maternal and neonatal mortality in

Transition to an aging Japan: public pension, savings, and capital taxation.

Science.gov (United States)

Kato, R

1998-09-01

This study examined options for compensating for the shortages of money for public pensions due to population aging in Japan: increases in pension contributions, consumption pension taxes, interest income pension taxes, and inheritance pension taxes. The analysis relied on simulation in an expanded life cycle growth model. Data were obtained from 1992 estimations of population by the Institute of Population Problems of the Ministry of Health and Welfare. This study is unique in its use of real population data for the simulations and in its use of transition states. The analysis begins with a description of the altered Overlapping Generations Model by Auerback and Kotlikoff (1983). The model accounts for the inaccuracy of lifetime and liquidity constraints and ordinary budget constraints and reproduces the consumption-savings profiles of older people and incorporates wage income taxation and other forms of taxation. Income includes wage and interest income. The analysis includes a description of the method of simulation, assumptions, and evaluation of the effects of population aging. It is assumed that narrower government sector spending on general expenditures per worker will increase by 1% every year. It is concluded that national saving rates will probably decrease due to population aging. The lowest levels of capital stock and savings will result from higher pension contributions. The highest level of capital stock will result from higher consumption pension taxes during 1990-2015. Preferred policies should focus on increasing interest income rates.

Accounting for parameter uncertainty in the definition of parametric distributions used to describe individual patient variation in health economic models

OpenAIRE

Degeling, Koen; IJzerman, Maarten J.; Koopman, Miriam; Koffijberg, Hendrik

2017-01-01

Background Parametric distributions based on individual patient data can be used to represent both stochastic and parameter uncertainty. Although general guidance is available on how parameter uncertainty should be accounted for in probabilistic sensitivity analysis, there is no comprehensive guidance on reflecting parameter uncertainty in the (correlated) parameters of distributions used to represent stochastic uncertainty in patient-level models. This study aims to provide this guidance by ...

Does extending daylight saving time save energy? Evidence from an Australian experiment

Energy Technology Data Exchange (ETDEWEB)

Kellogg, R. [California Univ., Berkeley, CA (United States). Dept. of Agricultural and Resource Economics; Wolff, H. [California Univ., Berkeley, CA (United States). Dept. of Agricultural and Resource Economics]|[Forschungsinstitut zur Zukunft der Arbeit (IZA), Bonn (Germany)

2007-03-15

Several countries are considering extending Daylight Saving Time (DST) in order to conserve energy, and the U.S. will extend DST by one month beginning in 2007. However, projections that these extensions will reduce electricity consumption rely on extrapolations and simulations rather than empirical evidence. This paper, in contrast, examines a quasiexperiment in which parts of Australia extended DST in 2000 to facilitate the Sydney Olympics. Using detailed panel data and a triple differences specification, we show that the extension did not conserve electricity, and that a prominent simulation model overstates electricity savings when it is applied to Australia. (orig.)

Chapter 21: Estimating Net Savings - Common Practices. The Uniform Methods Project: Methods for Determining Energy Efficiency Savings for Specific Measures

Energy Technology Data Exchange (ETDEWEB)

Kurnik, Charles W [National Renewable Energy Laboratory (NREL), Golden, CO (United States); Violette, Daniel M. [Navigant, Boulder, CO (United States); Rathbun, Pamela [Tetra Tech, Madison, WI (United States)

2017-11-02

This chapter focuses on the methods used to estimate net energy savings in evaluation, measurement, and verification (EM and V) studies for energy efficiency (EE) programs. The chapter provides a definition of net savings, which remains an unsettled topic both within the EE evaluation community and across the broader public policy evaluation community, particularly in the context of attribution of savings to a program. The chapter differs from the measure-specific Uniform Methods Project (UMP) chapters in both its approach and work product. Unlike other UMP resources that provide recommended protocols for determining gross energy savings, this chapter describes and compares the current industry practices for determining net energy savings but does not prescribe methods.

75 FR 69026 - Employee Contribution Elections and Contribution Allocations; Uniformed Services Accounts; Death...

Science.gov (United States)

2010-11-10

... Services Accounts; Death Benefits; Thrift Savings Plan AGENCY: Federal Retirement Thrift Investment Board... Currently, a spouse beneficiary of a TSP participant must either transfer his or her TSP death benefit... spouse of a deceased participant to retain a lump sum death benefit payment in the TSP, subject to...

Control Evaluation Information System Savings

Directory of Open Access Journals (Sweden)

Eddy Sutedjo

2011-05-01

Full Text Available The purpose of this research is to evaluate the control of information system savings in the banking and to identify the weaknesses and problem happened in those saving systems. Research method used are book studies by collecting data and information needed and field studies by interview, observation, questioner, and checklist using COBIT method as a standard to assess the information system control of the company. The expected result about the evaluation result that show in the problem happened and recommendation given as the evaluation report and to give a view about the control done by the company. Conclusion took from this research that this banking company has met standards although some weaknesses still exists in the system.Index Terms - Control Information System, Savings

Housing-related lifestyle and energy saving

DEFF Research Database (Denmark)

Thøgersen, John

2017-01-01

of relevant background characteristics. A multivariate GLM analysis reveals that when differences in housing-related lifestyles are controlled, neither country of residence nor the interaction between lifestyle and country of residence influence energy saving innovativeness or everyday energy-saving efforts...

The Curious Case of Ronald McDonald’s Claim to Rights: An Ontological Account of Differences in Group and Individual Person Rights

Directory of Open Access Journals (Sweden)

Smith Leonie

2018-02-01

Full Text Available Performative accounts of personhood argue that group agents are persons, fit to be held responsible within the social sphere. Nonetheless, these accounts want to retain a moral distinction between group and individual persons. That: (1 Group-persons can be responsible for their actions qua persons, but that (2 group-persons might nonetheless not have rights equivalent to those of human persons. I present an argument which makes sense of this disanalogy, without recourse to normative claims or additional ontological commitments. I instead ground rights in the different relations in which performative persons stand in relation to one another.

Medicare Accountable Care Organizations of Diverse Structures Achieve Comparable Quality and Cost Performance.

Science.gov (United States)

Comfort, Leeann N; Shortell, Stephen M; Rodriguez, Hector P; Colla, Carrie H

2018-01-31

To examine whether an empirically derived taxonomy of Accountable Care Organizations (ACOs) is associated with quality and spending performance among patients of ACOs in the Medicare Shared Savings Program (MSSP). Three waves of the National Survey of ACOs and corresponding publicly available Centers for Medicare & Medicaid Services performance data for NSACO respondents participating in the MSSP (N = 204); SK&A Office Based Physicians Database from QuintilesIMS. We compare the performance of three ACO types (physician-led, integrated, and hybrid) for three domains: quality, spending, and likelihood of achieving savings. Sources of performance variation within and between ACO types are compared for each performance measure. There is greater heterogeneity within ACO types than between ACO types. There were no consistent differences in quality by ACO type, nor were there differences in likelihood of achieving savings or overall spending per-person-year. There was evidence for higher spending on physician services for physician-led ACOs. ACOs of diverse structures perform comparably on core MSSP quality and spending measures. CMS should maintain its flexibility and continue to support participation of diverse ACOs. Future research to identify modifiable organizational factors that account for performance variation within ACO types may provide insight as to how best to improve ACO performance based on organizational structure and ownership. © Health Research and Educational Trust.

Entrepreneurial Saving Practices and Reinvestment : Theory and Evidence

NARCIS (Netherlands)

Beck, T.H.L.; Pamuk, H.; Uras, R.B.

2014-01-01

We use a novel enterprise survey from Tanzania to gauge the relationship between saving instruments and entrepreneurial reinvestment. While most informal savings practices do not imply a lower likelihood of entrepreneurial reinvestment when compared with formal savings practices, we find a

How does gravity save or kill Q-balls?

International Nuclear Information System (INIS)

Tamaki, Takashi; Sakai, Nobuyuki

2011-01-01

We explore stability of gravitating Q-balls with potential V 4 (φ)=(m 2 /2)φ 2 -λφ 4 +(φ 6 /M 2 ) via catastrophe theory, as an extension of our previous work on Q-balls with potential V 3 (φ)=(m 2 /2)φ 2 -μφ 3 +λφ 4 . In flat spacetime Q-balls with V 4 in the thick-wall limit are unstable and there is a minimum charge Q min , where Q-balls with Q min are nonexistent. If we take self-gravity into account, on the other hand, there exist stable Q-balls with arbitrarily small charge, no matter how weak gravity is. That is, gravity saves Q-balls with small charge. We also show how stability of Q-balls changes as gravity becomes strong.

Analysis of genuine saving and potential green net national income. Portugal, 1990-2005

International Nuclear Information System (INIS)

Mota, Rui Pedro; Domingos, Tiago; Martins, Victor

2010-01-01

The context of this paper is the measurement of welfare and weak sustainability (defined as non-declining utility) in dynamic economies, i.e., comprehensive or green accounting. We estimate green net national income (GNNI) and genuine saving (GS) for Portugal, for the years 1990 to 2005, accounting for the disamenity of air pollution emissions, the depreciation of commercial forests and the value of time, discussing the implications of the assumptions underlying the inclusion of these terms in the green accounting model. The influence of short-run cycles is analyzed by estimating GNNI excluding business cycles. Our results suggest that business cycles affect the sustainability message of GNNI. We find that potential GNNI is growing and GS is positive in the analyzed period, thereby not indicating a weak sustainability problem in Portugal, although both depict a trend towards unsustainability. Excluding technological progress there is a contradiction in the sustainability message of GNNI and GS. (author)

Analysis of genuine saving and potential green net national income. Portugal, 1990-2005

Energy Technology Data Exchange (ETDEWEB)

Mota, Rui Pedro; Domingos, Tiago [Environment and Energy Section, DEM, Instituto Superior Tecnico (Portugal); Martins, Victor [Department of Economics, Instituto Superior de Economia e Gestao (Portugal)

2010-08-15

The context of this paper is the measurement of welfare and weak sustainability (defined as non-declining utility) in dynamic economies, i.e., comprehensive or green accounting. We estimate green net national income (GNNI) and genuine saving (GS) for Portugal, for the years 1990 to 2005, accounting for the disamenity of air pollution emissions, the depreciation of commercial forests and the value of time, discussing the implications of the assumptions underlying the inclusion of these terms in the green accounting model. The influence of short-run cycles is analyzed by estimating GNNI excluding business cycles. Our results suggest that business cycles affect the sustainability message of GNNI. We find that potential GNNI is growing and GS is positive in the analyzed period, thereby not indicating a weak sustainability problem in Portugal, although both depict a trend towards unsustainability. Excluding technological progress there is a contradiction in the sustainability message of GNNI and GS. (author)

12 CFR 792.62 - Requests for accounting for disclosures.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Requests for accounting for disclosures. 792.62... § 792.62 Requests for accounting for disclosures. At the time of the request for access or correction or at any other time, an individual may request an accounting of disclosures made of the individual's...

Employers' Perceptions of Online Accounting Education

Science.gov (United States)

Tabatabaei, Manouchehr; Solomon, Alison; Strickland, Emily; Metrejean, Eddie

2014-01-01

The main focus of this research is on perceptions of accounting employers of those individuals obtaining their accounting education online. An online survey of accounting professionals was conducted, and the findings suggest that a candidate with a traditional education is more suitable for employment than a candidate with an online education.…

Entrepreneurial saving practices and reinvestment : Theory and evidence

NARCIS (Netherlands)

Beck, T.H.L.; Pamuk, Haki; Uras, Burak

2017-01-01

We use a novel enterprise survey to gauge the relationship between saving instruments and entrepreneurial reinvestment. We show that while most informal saving practices are not associated with a lower likelihood of reinvestment when compared with formal saving practices, there is a significantly

Individual Learning Accounts: A Strategy for Lifelong Learning?

Science.gov (United States)

Renkema, Albert

2006-01-01

Purpose: Since the end of the previous century social partners in different branches of industry have laid down measures to stimulate individual learning and competence development of workers in collective labour agreements. Special attention is given to stimulating learning demand among traditional non-participants to lifelong learning, such as…

Understanding Effects of Flexible Spending Accounts on People with Disabilities: The Case of a Consumer-Directed Care Program.

Science.gov (United States)

Lombe, Margaret; Inoue, Megumi; Mahoney, Kevin; Chu, Yoosun; Putnam, Michelle

2016-01-01

This study set out to explore the saving behavior, barriers, and facilitators along with effects of participating in a consumer-directed care program among people with disabilities in the state of West Virginia (N = 29). Results suggest that respondents were able to save money through the program to enable them to purchase goods and services they needed to enhance their welfare and quality of life. Generally, items saved for fell into 3 broad categories: household equipment, individual functioning, and home modification. Facilitators and barriers to saving were also indicated and so were the benefits of program participation. Program and policy implications are presented.

Variable flow controls of closed system pumps for energy savings in maritime power systems

OpenAIRE

Su, Chun-Lien; Liao, Chi-Hsiang; Chou, Tso-Chu; Chou, Ming-Hung; Guerrero, Josep M.

2016-01-01

Pumps are extensively used in maritime industries as marine vessels utilize a wide range of pumps and pumping techniques to transfer and distribute all types of air and fluids. The electrical energy consumed by the various motors accounts for about 70% of a vessel’s total power consumption, and this presents a problem in unique marine environments. Such situations are especially conducive to energy-saving strategies using variable frequency drives (VFDs) in centrifugal load service. This pape...

Overview of contractual savings institutions

OpenAIRE

Vittas, Dimitri; Skully, Michael

1991-01-01

Contractual savings institutions include national provident funds, life insurance companies, private pension funds, and funded social pension insurance systems. They have long-term liabilities and stable cash flows and are therefore ideal providers of term finance, not only to government and industry, but also to municipal authorities and the housing sector. Except for Singapore, Malaysia, and a few other countries, most developing countries have small and insignificant contractual savings in...

China energy-water nexus: Assessing the water-saving synergy effects of energy-saving policies during the eleventh Five-year Plan

International Nuclear Information System (INIS)

Gu, Alun; Teng, Fei; Wang, Yu

2014-01-01

Highlights: • Energy and water limit China’s sustainable development. • Current energy policies fail to address water saving issues. • The energy-water coefficient is estimated for both direct use and indirect use. • Water saving effects associated with energy-saving policies is calculated. • Water-energy nexus should be enhanced in key industrial sectors. - Abstract: Energy and water have become major factors limiting sustainable development in China. Energy efficiency and optimization of water management are critical for the healthy growth of the Chinese economy. Current national energy policies fail to adequately address water use issues. Similarly, current water policies do not consider the impact of energy consumption and greenhouse gas emissions. Consequently, few studies have investigated the relationship between energy consumption and water use. The present study analyzes the energy-water nexus in Chinese industries using input–output tables. Coefficients that characterize the relationship between energy consumption and water are used to describe the supply-consumption relationship between the water supply and primary energy sectors. Next, we calculate the water-saving effects associated with the enforcement of energy-saving policies in selected industrial sectors during the eleventh Five-year Plan, from 2005 to 2010. These calculations address the ferrous metals, non-ferrous metals, petrochemical engineering, building materials, and electricity industries as well as key light industries. Our findings indicate that energy-saving efforts in these industries will result in savings in water consumption. This study suggests that a cooperative relationship between water and energy conservation efforts should be an important factor in creating policies that encourage simultaneous savings of both resources. Additionally, the study indicates that government should promote water- and energy-saving techniques in key industrial sectors to encourage

37 CFR 11.61 - Savings clause.

Science.gov (United States)

2010-07-01

... 37 Patents, Trademarks, and Copyrights 1 2010-07-01 2010-07-01 false Savings clause. 11.61 Section... Disciplinary Proceedings; Jurisdiction, Sanctions, Investigations, and Proceedings § 11.61 Savings clause. (a... subsequent to such effective date, if such conduct would continue to justify suspension or exclusion under...

A U.K. cost-benefit analysis of circles of support and accountability interventions.

Science.gov (United States)

Elliott, Ian A; Beech, Anthony R

2013-06-01

Circles of Support and Accountability (CoSA) aim to augment sex offender risk management at the point of community reentry by facilitating "Circles" of volunteers who provide support, guidance, and advice, while ensuring that the offender remains accountable for their actions. In this study, the authors provide (a) a rapid evidence assessment of the effectiveness of CoSA in reducing reoffending, and (b) a U.K. cost-benefit analysis for CoSA when compared to the criminal justice costs of reoffending. From the study analysis, the average cost of a "Circle" was estimated to be £11,303 per annum and appears to produce a 50% reduction in reoffending (sexual and nonsexual), as the estimated cost of reoffending was estimated to be £147,161 per offender, per annum. Based on a hypothetical cohort of 100 offenders--50 of whom receive CoSA and 50 of whom do not--investment in CoSA appears to provide a cost saving of £23,494 and a benefit-cost ratio of 1.04. Accounting for estimates that the full extent of the cost to society may be 5 to 10 times the tangible costs substantially increases estimated cost savings related to CoSA.

48 CFR 48.104-3 - Sharing collateral savings.

Science.gov (United States)

2010-10-01

... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Sharing collateral savings... CONTRACT MANAGEMENT VALUE ENGINEERING Policies and Procedures 48.104-3 Sharing collateral savings. (a) The Government shares collateral savings with the contractor, unless the head of the contracting activity has...

48 CFR 2448.104-3 - Sharing collateral savings.

Science.gov (United States)

2010-10-01

... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Sharing collateral savings... DEVELOPMENT CONTRACT MANAGEMENT VALUE ENGINEERING 2448.104-3 Sharing collateral savings. (a) The authority of the HCA to determine that the cost of calculating and tracking collateral savings will exceed the...

Electric energy savings from new technologies. Revision 1

Energy Technology Data Exchange (ETDEWEB)

Harrer, B.J.; Kellogg, M.A.; Lyke, A.J.; Imhoff, K.L.; Fisher, Z.J.

1986-09-01

Purpose of the report is to provide information about the electricity-saving potential of new technologies to OCEP that it can use in developing alternative long-term projections of US electricity consumption. Low-, base-, and high-case scenarios of the electricity savings for 10 technologies were prepared. The total projected annual savings for the year 2000 for all 10 technologies were 137 billion kilowatt hours (BkWh), 279 BkWh, and 470 BkWh, respectively, for the three cases. The magnitude of these savings projections can be gauged by comparing them to the Department's reference case projection for the 1985 National Energy Policy Plan. In the Department's reference case, total consumption in 2000 is projected to be 3319 BkWh. Because approximately 75% of the base-case estimate of savings are already incorporated into the reference projection, only 25% of the savings estimated here should be subtracted from the reference projection for analysis purposes.

Energy saving analysis and management modeling based on index decomposition analysis integrated energy saving potential method: Application to complex chemical processes

International Nuclear Information System (INIS)

Geng, Zhiqiang; Gao, Huachao; Wang, Yanqing; Han, Yongming; Zhu, Qunxiong

2017-01-01

Highlights: • The integrated framework that combines IDA with energy-saving potential method is proposed. • Energy saving analysis and management framework of complex chemical processes is obtained. • This proposed method is efficient in energy optimization and carbon emissions of complex chemical processes. - Abstract: Energy saving and management of complex chemical processes play a crucial role in the sustainable development procedure. In order to analyze the effect of the technology, management level, and production structure having on energy efficiency and energy saving potential, this paper proposed a novel integrated framework that combines index decomposition analysis (IDA) with energy saving potential method. The IDA method can obtain the level of energy activity, energy hierarchy and energy intensity effectively based on data-drive to reflect the impact of energy usage. The energy saving potential method can verify the correctness of the improvement direction proposed by the IDA method. Meanwhile, energy efficiency improvement, energy consumption reduction and energy savings can be visually discovered by the proposed framework. The demonstration analysis of ethylene production has verified the practicality of the proposed method. Moreover, we can obtain the corresponding improvement for the ethylene production based on the demonstration analysis. The energy efficiency index and the energy saving potential of these worst months can be increased by 6.7% and 7.4%, respectively. And the carbon emissions can be reduced by 7.4–8.2%.

12 CFR 583.12 - Multiple savings and loan holding company.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Multiple savings and loan holding company. 583... DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.12 Multiple savings and loan holding company. The term multiple savings and loan holding company means any savings and loan holding...

12 CFR 583.11 - Diversified savings and loan holding company.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Diversified savings and loan holding company... DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.11 Diversified savings and loan holding company. The term diversified savings and loan holding company means any savings and loan holding...

Advances in Biological Water-saving Research: Challenge and Perspectives

Institute of Scientific and Technical Information of China (English)

Lun Shan; Xiping Deng; Suiqi Zhang

2006-01-01

Increasing the efficiency of water use by crops continues to escalate as a topic of concern because drought is a restrictive environmental factor for crop productivity worldwide. Greater yield per unit rainfall is one of the most important challenges in water-saving agriculture. Besides water-saving by irrigation engineering and conservation tillage, a good understanding of factors limiting and/or regulating yield now provides us with an opportunity to identify and then precisely select for physiological and breeding traits that increase the efficiency of water use and drought tolerance under water-limited conditions, biological water-saving is one means of achieving this goat. A definition of biological water-saving measures is proposed which embraces improvements in water-use efficiency (WUE) and drought tolerance, by genetic improvement and physiological regulation. The preponderance of biological water-saving measures is discussed and strategies identified for working within natural resource constraints. The technology and future perspectives of biological water saving could provide not only new water-saving techniques but also a scientific base for application of water-saving irrigation and conservation tillage.

Cost-benefit assessment of energy efficiency investments: Accounting for future resources, savings and risks in the Australian residential sector

International Nuclear Information System (INIS)

Morrissey, J.; Meyrick, B.; Sivaraman, D.; Horne, R.E.; Berry, M.

2013-01-01

This article focuses on the impact of the discount rate on cost-benefit assessment of investment options for residential building efficiency. An integrated thermal modeling, life cycle costing approach is applied to an extensive sample of dominant house designs for Australian conditions. The relative significance of predicted thermal performance and the applied discount rate on the Present Value of energy savings from alternative investment scenarios is investigated. Costs and benefits are also evaluated at the economy-wide scale, including carbon pricing considerations, and for a test-case household faced with alternative investment options at the point of construction. The influence of the applied discount rate on produced cost-benefit calculations is investigated, as is the interaction between critical cost-benefit input parameters. Findings support that the discounting framework is the primary driver of difference in estimates about costs and benefits of higher standards of efficiency in the residential sector. Results demonstrate that agreement on a low discount rate based on sustainability principals would prioritise those projects with significant environmental benefits. - Highlights: ► High thermal efficiency is a key strategy to limit energy use in buildings. ► Integrated thermal modeling—life-cycle costing methods are applied to dominant house designs. ► The discounting framework is the primary driver of difference in observed costs. ► The selection of optimal performance investment options depends on the discount rate. ► Application of a discount rate of 3.5% or lower favours energy saving projects

Concepts. Environmental care through energy saving

Energy Technology Data Exchange (ETDEWEB)

Wagner, G.

1987-04-01

Energy saving is an important ingredient of a preventive energy policy. It helps to reduce pollutants which are one essential source of damage done to air, water and soil. But even the environmentally damaging side effects of energy production, storage and distribution can be cut down through energy saving.

Mozambican Aggregate Consumption and Domestic Saving ...

African Journals Online (AJOL)

It was an unprecedented decade for its break with the previous trend; but so far, the new trend does not correspond to a substantial change in growth strategy to ensure that foreign savings become complementary rather than a substitute for domestic savings. Keywords: consumption, economic growth strategy, domestic ...

Casual relationship between gross domestic saving and economic ...

African Journals Online (AJOL)

The empirical study confirmed that a significant relationship between domestic savings and ... and, which ultimately increases the country domestic saving level. ... which increase saving and investment into the country due to its dual effect. ... South Africa (96); South Sudan (1); Sudan (3); Swaziland (3); Tanzania (19); Togo ...

Building Savings and Investments Culture among Nigerians | Imegi ...

African Journals Online (AJOL)

It is therefore necessary to build among Nigerians savings and investments culture. A review of extant literature revealed that people save and invest for several reasons among which are to enhance the standard of living, take advantage of rare business opportunities, and meet unforeseen circumstances. Savings can be ...

Water saving through international trade of agricultural products

NARCIS (Netherlands)

Chapagain, Ashok; Hoekstra, Arjen Ysbert; Savenije, H.H.G.

2006-01-01

Many nations save domestic water resources by importing water-intensive products and exporting commodities that are less water intensive. National water saving through the import of a product can imply saving water at a global level if the flow is from sites with high to sites with low water

A procedure for analysing energy savings in multiple small solar water heaters installed in low-income housing in Brazil

International Nuclear Information System (INIS)

Giglio, Thalita; Lamberts, Roberto; Barbosa, Miriam; Urbano, Mariana

2014-01-01

Due to government subsidies, Brazil has witnessed an increase in the installation and use of small solar water heating systems in low-income housing projects. Although the initiative has reduced the load curve during peak times due to the reduced use of electric showerheads, measurement and verification (M and V) are needed to validate the savings. M and V procedures should take into account the social and economic variability of low-income housing developments. To improve M and V in low-income housing projects, this paper presents a methodology for identifying homogeneous subgroups based on their energy-saving potential. This research strategy involved a cluster analysis designed to improve the understanding of what energy savers and other influencing factors exist. A case study in Londrina Brazil was undertaken with 200 low-income families. Five clusters, created based on savings potential, were defined. The results showed that only two clusters demonstrated good electricity savings, representing 47% of families. However, two clusters, or 37%, did not provide satisfactory savings, and the other 16% did not provide any consumption history due to previous use of illegal city electricity connection practices. Therefore, studies confirm the need for a detailed measurement of the representative subgroups to assess the influence of human behaviour on potential SWHS-induced savings. - Highlights: • M and V is necessary to improve solar collector-area-based subsidy programmes. • M and V in large-scale sample should contemplate the social and economic variability. • Samples with homogeneous subgroups contribute to a consistent energy-saving M and V. • Solar Water Heaters in some cases may not offer energy saving in a low-income context. • SWH performance decreases with low educational level and difficulty of operation

Determining if disease management saves money: an introduction to meta-analysis.

Science.gov (United States)

Linden, Ariel; Adams, John L

2007-06-01

Disease management (DM) programmes have long been promoted as a major medical cost-saving mechanism, even though the scant research that exists on the topic has provided conflicting results. In a 2004 literature review, the Congressional Budget Office stated that 'there is insufficient evidence to conclude that disease management programs can generally reduce the overall cost of health care services'. To address this question more accurately, a meta-analysis was warranted. Meta-analysis is the quantitative technique used to pool the results of many studies on the same topic and summarize them statistically. This method is also quite suitable for individual DM firms to assess whether their programmes are effective at the aggregate level. This paper describes the elements of a rigorous meta-analytic process and discusses potential biases. A hypothetical DM organization is then evaluated with a specific emphasis on medical cost-savings, simulating a case in which different populations are served, evaluation methodologies are employed, and diseases are managed.

SWEEP - Save Water & Energy Education Program

Energy Technology Data Exchange (ETDEWEB)

Sullivan, Gregory P.; Elliott, Douglas B.; Hillman, Tim C.; Hadley, Adam; Ledbetter, Marc R.; Payson, David R.

2001-05-03

The objective of this study was to develop, monitor, analyze, and report on an integrated resource-conservation program highlighting efficient residential appliances and fixtures. The sites of study were 50 homes in two water-constrained communities located in Oregon. The program was designed to maximize water savings to these communities and to serve as a model for other communities seeking an integrated approach to energy and water resource efficiency. The program included the installation and in-place evaluation of energy- and water-efficient devices including the following: horizontal axis clothes washers (and the matching clothes dryers), resource-efficient dishwashers, an innovative dual flush low-flow toilet, low-flow showerheads, and faucet aerators. The significance of this activity lies in its integrated approach and unique metering evaluation of individual end-use, aggregated residential total use, and system-wide energy and water benefits.

Rumble over jailhouse healthcare. As states broaden outsourcing to private vendors, critics question quality of care and cost savings.

Science.gov (United States)

Kutscher, Beth; Meyer, Harris

2013-09-02

The trend for states to outsource prison healthcare has met opposition from inmate advocates and legal aid groups. They fear quality of care will suffer, while others debate whether outsourcing care saves any money. Corizon, the largest U.S. private prison healthcare provider, says it definitely delivers savings. "We are the model because we've been doing capitated rates since we've been in business. Our cost per individual is significantly less than in the 'free world,' "says Corizon CEO Rich Hallworth.

Strategic Review Process for an Accountable Care Organization and Emerging Accountable Care Best Practices.

Science.gov (United States)

Conway, Sarah J; Himmelrich, Sarah; Feeser, Scott A; Flynn, John A; Kravet, Steven J; Bailey, Jennifer; Hebert, Lindsay C; Donovan, Susan H; Kachur, Sarah G; Brown, Patricia M C; Baumgartner, William A; Berkowitz, Scott A

2018-02-02

Accountable Care Organizations (ACOs), like other care entities, must be strategic about which initiatives they support in the quest for higher value. This article reviews the current strategic planning process for the Johns Hopkins Medicine Alliance for Patients (JMAP), a Medicare Shared Savings Program Track 1 ACO. It reviews the 3 focus areas for the 2017 strategic review process - (1) optimizing care coordination for complex, at-risk patients, (2) post-acute care, and (3) specialty care integration - reviewing cost savings and quality improvement opportunities, associated best practices from the literature, and opportunities to leverage and advance existing ACO and health system efforts in each area. It then reviews the ultimate selection of priorities for the coming year and early thoughts on implementation. After the robust review process, key stakeholders voted to select interventions targeted at care coordination, post-acute care, and specialty integration including Part B drug and imaging costs. The interventions selected incorporate a mixture of enhancing current ACO initiatives, working collaboratively and synergistically on other health system initiatives, and taking on new projects deemed targeted, cost-effective, and manageable in scope. The annual strategic review has been an essential and iterative process based on performance data and informed by the collective experience of other organizations. The process allows for an evidence-based strategic plan for the ACO in pursuit of the best care for patients.

Technical energy savings versus changes in human behaviour

DEFF Research Database (Denmark)

Nørgaard, Jørgen

1996-01-01

Energy savings seems to be the most environmentally benign element in an energy policy. The paper is a reflection on the work on saving energy both by improving technology and by adapting human daily behaviour. A simple model is suggested for the energy chain which converts the primary energy all...... the way into human satisfaction via energy services. Results of various analyses and field experiments show saving potentials for electricity of 50 - 80 per cents. Barriers for implementing these technical saving options are discussed. Also the necessity and potentials for changing behavioural or life...

Energy savings from housing: Ineffective renovation subsidies vs efficient demolition and reconstruction incentives

International Nuclear Information System (INIS)

Dubois, Maarten; Allacker, Karen

2015-01-01

Energy savings in the housing sector are key to reduce global greenhouse gas emissions. Policies to incentivize energy savings are however disparate between countries. Taking into account environmental aspects and consumer surplus, the paper uses a stylized economic model to assess the effectiveness and efficiency of three economic instruments: subsidies for renovation, subsidies for demolition and reconstruction projects and subsidies for building new houses on virgin land. The assessment also relates to differentiated value added taxes and other financial incentives such as green loans. In a counter-intuitive way, the model highlights that subsidies for renovations with minor energy gains worsen the overall energy consumption of housing due to the inducement of lock-ins with energy inefficient houses. Structural changes are needed in the use of policy instruments. First, commonly applied support schemes for renovations with minor energy savings should be abolished. Second, scarce public resources should incentivize deep renovation and demolition and reconstruction. Finally, taxes should apply on the use of virgin land to persuade households with a high willingness to pay for a new house, to invest in demolition and reconstruction. - Highlights: • Renovation subsidies worsen overall energy consumption of housing. • Renovation induces a lock-in with energy inefficient houses. • Renovation subsidies should be abolished or structurally reformed. • Policy should incentivize demolition and reconstruction projects. • Building on virgin land should be taxed.

Resource approach in providing health-saving process of future teachers training

Directory of Open Access Journals (Sweden)

Mykytiuk S.A.

2012-12-01

Full Text Available The mechanisms of realization of resource approach are exposed in organization of pedagogical education. There were defined the ways of providing health-saving teacher training, namely: assessment criteria of adjustment of social order and personal professional development needs, means of implementing the tasks of pedagogical education concept according to the resource approach. The methods of maintainance and strengthening of health of future teachers are specified in the process of professional preparation. It is marked that resource approach unites requirement to the competence of teacher, provides the account of age-dependent features of organism of student and periods of becoming of personality of student and teacher. Resource approach is given by possibility to take into account the specific of labour and level of knowledge, abilities and skills of every student. Resource approach harmonizes the actual aspects of complex of the modern scientific going near education of students and professional preparation of future teachers.

A multifunctional energy-saving magnetic field generator

Science.gov (United States)

Xiong, Hui; Sun, Wanpeng; Liu, Jinzhen; Shi, Jinhua

2018-03-01

To improve the energy utilization of magnetic field generators for biological applications, a multifunctional energy-saving magnetic field generator (ESMFG) is presented. It is capable of producing both an alternating magnetic field (AMF) and a bipolar pulse magnetic field (BPMF) with high energy-saving and energy-reuse rates. Based on a theoretical analysis of an RLC second-order circuit, the energy-saving and energy-reuse rates of both types of magnetic fields can be calculated and are found to have acceptable values. The results of an experimental study using the proposed generator show that for the BPMF, the peak current reaches 130 A and the intensity reaches 70.3 mT. For the AMF, the intensity is 11.0 mT and the RMS current is 20 A. The energy-saving and energy-reuse rates for the AMF generator are 61.3% and 63.5%, respectively, while for the BPMF generator, the energy-saving rate is 33.6%. Thus, the proposed ESMFG has excellent potential for use in biomedical applications.

Causal Links among Saving, Investment and Growth and ...

African Journals Online (AJOL)

The relationship between saving, investment and GDP still remains an empirical issue. In their aspiration to catch up the rest of the world, developing countries provides a special place on this matter. This paper tried to investigate the main determinants of saving and the connection among saving, investment and GDP in the ...

Canada Education Savings Program: Annual Statistical Review--2009

Science.gov (United States)

Human Resources and Skills Development Canada, 2009

2009-01-01

The Canada Education Savings Program is an initiative of the Government of Canada. As part of the Department of Human Resources and Skills Development, the program administers the Canada Education Savings Grant and the Canada Learning Bond. These two initiatives help Canadian families save for a child's post-secondary education in Registered…

10 CFR 436.20 - Net savings.

Science.gov (United States)

2010-01-01

... ENERGY ENERGY CONSERVATION FEDERAL ENERGY MANAGEMENT AND PLANNING PROGRAMS Methodology and Procedures for Life Cycle Cost Analyses § 436.20 Net savings. For a retrofit project, net savings may be found by subtracting life cycle costs based on the proposed project from life cycle costs based on not having it. For a...

Creation of Carbon Credits by Water Saving

Directory of Open Access Journals (Sweden)

Yasutoshi Shimizu

2012-07-01

Full Text Available Until now, as a way of reducing greenhouse gas emissions from Japanese homes, the emphasis has been on reduction of energy consumption for air-conditioning and lighting. In recent years, there has been progress in CO₂ emission reduction through research into the water-saving performance of bathroom fixtures such as toilets and showers. Simulations have shown that CO₂ emissions associated with water consumption in Japanese homes can be reduced by 25% (1% of Japan’s total CO₂ emissions by 2020 through the adoption of the use of water-saving fixtures. In response to this finding, a program to promote the replacement of current fixtures with water-saving toilet bowls and thermally insulated bathtubs has been added to the Government of Japan’s energy-saving policy. Furthermore, CO₂ emission reduction through widespread use of water-saving fixtures has been adopted by the domestic credit system promoted by the Government of Japan as a way of achieving CO₂ emission-reduction targets; application of this credit system has also begun. As part of a bilateral offset credit mechanism promoted by the Government of Japan, research to evaluate the CO₂ reduction potential of the adoption of water-saving fixtures has been done in the city of Dalian, in China.

The daylight saving time in Mexico; El cambio de horario durante la epoca del verano en Mexico

Energy Technology Data Exchange (ETDEWEB)

Covarrubias Ramos, Rogelio [Instituto de Investigaciones Electricas, Cuernavaca (Mexico)

1996-12-31

The daylight saving time in Mexico for energy saving is analyzed; such a change is made forwarding the clocks one hour in all Mexico the first Sunday of April and backing them an hour the last Sunday of October. Mention is made the reasons why Mexico adopted this measure, the social-economic impact that brings along and the benefits of this daylight saving time. The case of countries that also apply this measure is analyzed. It is expected that this measure attains benefits for the society either collectively or individually through the ecology and the economy. [Espanol] Se analiza el cambio de horario en la epoca de verano en Mexico para ahorrar energia; dicho cambio se realiza al adelantar una hora al reloj en todo el territorio de Mexico el primer domingo de abril y retrazarlo una hora el ultimo domingo de octubre. Se mencionan las razones por las cuales Mexico adopto esta medida, el impacto socio-economico que traera consigo y los beneficios del cambio de horario. Se aborda la situacion de los paises que tambien aplican esta medida. Se espera que esta medida logre beneficios para la sociedad, ya sea en modo colectivo o individual, para la ecologia y para la economia.

The daylight saving time in Mexico; El cambio de horario durante la epoca del verano en Mexico

Energy Technology Data Exchange (ETDEWEB)

Covarrubias Ramos, Rogelio [Instituto de Investigaciones Electricas, Cuernavaca (Mexico)

1997-12-31

The daylight saving time in Mexico for energy saving is analyzed; such a change is made forwarding the clocks one hour in all Mexico the first Sunday of April and backing them an hour the last Sunday of October. Mention is made the reasons why Mexico adopted this measure, the social-economic impact that brings along and the benefits of this daylight saving time. The case of countries that also apply this measure is analyzed. It is expected that this measure attains benefits for the society either collectively or individually through the ecology and the economy. [Espanol] Se analiza el cambio de horario en la epoca de verano en Mexico para ahorrar energia; dicho cambio se realiza al adelantar una hora al reloj en todo el territorio de Mexico el primer domingo de abril y retrazarlo una hora el ultimo domingo de octubre. Se mencionan las razones por las cuales Mexico adopto esta medida, el impacto socio-economico que traera consigo y los beneficios del cambio de horario. Se aborda la situacion de los paises que tambien aplican esta medida. Se espera que esta medida logre beneficios para la sociedad, ya sea en modo colectivo o individual, para la ecologia y para la economia.

Cost-saving production technologies and partial ownership

OpenAIRE

Juan Carlos Barcena-Ruiz; Norma Olaizola

2007-01-01

This work analyzes the incentives to acquire cost-saving production technologies when cross-participation exists at ownership level. We show that cross-participation reduces the incentives to adopt the cost-saving production technology.

Canada Education Savings Program: Annual Statistical Review 2011

Science.gov (United States)

Human Resources and Skills Development Canada, 2011

2011-01-01

The Canada Education Savings Program has been an initiative of the Government of Canada since 1998. As part of the Department of Human Resources and Skills Development, the program administers the Canada Education Savings Grant and the Canada Learning Bond. These two initiatives help Canadian families save for a child's post-secondary education in…

Canada Education Savings Program: Annual Statistical Review 2012

Science.gov (United States)

Human Resources and Skills Development Canada, 2012

2012-01-01

The Canada Education Savings Program (CESP) has been an initiative of the Government of Canada since 1998. As part of the Department of Human Resources and Skills Development Canada, the program administers the Canada Education Savings Grant (CESG) and the Canada Learning Bond (CLB). These two initiatives help Canadian families save for a child's…

Energy savings, emission reductions, and health co-benefits of the green building movement.

Science.gov (United States)

P, MacNaughton; X, Cao; J, Buonocore; J, Cedeno-Laurent; J, Spengler; A, Bernstein; J, Allen

2018-06-01

Buildings consume nearly 40% of primary energy production globally. Certified green buildings substantially reduce energy consumption on a per square foot basis and they also focus on indoor environmental quality. However, the co-benefits to health through reductions in energy and concomitant reductions in air pollution have not been examined.We calculated year by year LEED (Leadership in Energy and Environmental Design) certification rates in six countries (the United States, China, India, Brazil, Germany, and Turkey) and then used data from the Green Building Information Gateway (GBIG) to estimate energy savings in each country each year. Of the green building rating schemes, LEED accounts for 32% of green-certified floor space and publically reports energy efficiency data. We employed Harvard's Co-BE Calculator to determine pollutant emissions reductions by country accounting for transient energy mixes and baseline energy use intensities. Co-BE applies the social cost of carbon and the social cost of atmospheric release to translate these reductions into health benefits. Based on modeled energy use, LEED-certified buildings saved $7.5B in energy costs and averted 33MT of CO 2 , 51 kt of SO 2 , 38 kt of NO x , and 10 kt of PM 2.5 from entering the atmosphere, which amounts to $5.8B (lower limit = $2.3B, upper limit = $9.1B) in climate and health co-benefits from 2000 to 2016 in the six countries investigated. The U.S. health benefits derive from avoiding an estimated 172-405 premature deaths, 171 hospital admissions, 11,000 asthma exacerbations, 54,000 respiratory symptoms, 21,000 lost days of work, and 16,000 lost days of school. Because the climate and health benefits are nearly equivalent to the energy savings for green buildings in the United States, and up to 10 times higher in developing countries, they provide an important and previously unquantified societal value. Future analyses should consider these co-benefits when weighing policy

Key Design Considerations When Calculating Cost Savings for Population Health Management Programs in an Observational Setting.

Science.gov (United States)

Murphy, Shannon M E; Hough, Douglas E; Sylvia, Martha L; Dunbar, Linda J; Frick, Kevin D

2018-02-08

To illustrate the impact of key quasi-experimental design elements on cost savings measurement for population health management (PHM) programs. Population health management program records and Medicaid claims and enrollment data from December 2011 through March 2016. The study uses a difference-in-difference design to compare changes in cost and utilization outcomes between program participants and propensity score-matched nonparticipants. Comparisons of measured savings are made based on (1) stable versus dynamic population enrollment and (2) all eligible versus enrolled-only participant definitions. Options for the operationalization of time are also discussed. Individual-level Medicaid administrative and claims data and PHM program records are used to match study groups on baseline risk factors and assess changes in costs and utilization. Savings estimates are statistically similar but smaller in magnitude when eliminating variability based on duration of population enrollment and when evaluating program impact on the entire target population. Measurement in calendar time, when possible, simplifies interpretability. Program evaluation design elements, including population stability and participant definitions, can influence the estimated magnitude of program savings for the payer and should be considered carefully. Time specifications can also affect interpretability and usefulness. © Health Research and Educational Trust.

Caustic saving potentile in textile processing mills

International Nuclear Information System (INIS)

Latif, M.; Rehman, A.; Ghafar, A.; Hafeez, N.M.

2010-01-01

The textile processing industry of pakistan has great potential of improvement in resource consumption in various production processes. One major concern is the heavy usage of caustic soda (sodium hydroxide) especially during the mercerization process which incurs a significant cost to a textile processing mill. To reduce the unit fabric production cost and stay competitive, the industry need to minimize the caustic wastage and explore the caustic saving potential. This paper describe the detailed caustic consumption practices and saving potentials in woven textile sector based on the data base of 100 industries. Region wise caustic saving potential is also investigated . Three caustic conservation option including process improvement, reuse and recycling, and caustic recovery plants are discussed. Detailed technical and and financial requirements. saving potentials and paybacks of these options are provided. (author)

Energy saving baking methods. Energibesparende bagemetoder

Energy Technology Data Exchange (ETDEWEB)

Gry, P.

1988-01-01

The project ''Energy Saving Baking Methods'', run as part of the Energy Research Project-1984, and has as its aim to investigate potentials for energy saving by employing microwaves in the baking process. The project is a follow-up of the Nordic Industry Fund project which was completed in 1983. Smaller test ovens with IR long waves, warm air convection and microwaves of 2,47 GHz were used. Measurements of heat distribution from all three energy sources have been made. Extensive experiments have been carried out in order to develope baking methods for white loaves which are energy saving, but where the quality of the bread does not undergo any form of deterioration. Tests were made using microwaves alone, and in combination with hot air and IR. A resulting saving 35% baking time was achieved, and a further reduction of baking time can be reached where a greater improvement of energy distribution can take place, especially in the case of microwaves and IR. (AB).

Student saving, does it exist? : A study of students' saving behavior, attitude towards saving and motivation to save.

OpenAIRE

Tuvesson, Joakim; Yu, Shiyu

2011-01-01

Swedish households are getting deeper in debt and house prices keeps on rising. This is what happened in USA and it was one of the major causes of the recent financial crisis. To avoid a similar crisis in Sweden we think one part of the solution is to make sure that those who are students today and soon will get jobs, buy houses, take loans etcetera have necessary knowledge to do so. Students’ saving is an area that almost completely lacked researchers’ attention, and one goal with this thesi...

What actions in the domain of energy saving?

International Nuclear Information System (INIS)

Gourlia, J.P.; Richard, P.

2007-01-01

The energy saving potentialities are very often put forward to justify actions of mastery of energy demand. What are the possible substitutes and their result in terms of energy saving? What are the tools implemented and the services proposed by energy suppliers to end-users? What is the optimum mix between the regulatory measures and the market instruments to perform energy saving? What are the costs generated by such measures with respect to the expected results? How to sensibilize citizens to energy saving actions? These questions were debated during a round table which gathered 4 participants and two chairmen. (J.S.)

What are the cost savings associated with providing access to specialist care through the Champlain BASE eConsult service? A costing evaluation

Science.gov (United States)

Liddy, Clare; Drosinis, Paul; Deri Armstrong, Catherine; McKellips, Fanny; Afkham, Amir; Keely, Erin

2016-01-01

Objective This study estimates the costs and potential savings associated with all eConsult cases completed between 1 April 2014 and 31 March 2015. Design Costing evaluation from the societal perspective estimating the costs and potential savings associated with all eConsults completed during the study period. Setting Champlain health region in Eastern Ontario, Canada. Population Primary care providers and specialists registered to use the eConsult service. Main outcome measures Costs included (1) delivery costs; (2) specialist remuneration; (3) costs associated with traditional (face-to-face) referrals initiated as a result of eConsult. Potential savings included (1) costs of traditional referrals avoided; (2) indirect patient savings through avoided travel and lost wages/productivity. Net potential societal cost savings were estimated by subtracting total costs from total potential savings. Results A total of 3487 eConsults were completed during the study period. In 40% of eConsults, a face-to-face specialist visit was originally contemplated but avoided as result of eConsult. In 3% of eConsults, a face-to-face specialist visit was not originally contemplated but was prompted as a result of the eConsult. From the societal perspective, total costs were estimated at $207 787 and total potential savings were $246 516. eConsult led to a net societal saving of $38 729 or $11 per eConsult. Conclusions Our findings demonstrate potential cost savings from the societal perspective, as patients avoided the travel costs and lost wages/productivity associated with face-to-face specialist visits. Greater savings are expected once we account for other costs such as avoided tests and visits and potential improved health outcomes associated with shorter wait times. Our findings are valuable for healthcare delivery decision-makers as they seek solutions to improve care in a patient-centred and efficient manner. PMID:27338880

Principles of valuing business travel time savings

OpenAIRE

Fowkes, A.S.

2001-01-01

OVERVIEW\\ud \\ud There are two approaches to valuing travel time savings to business people. The first is that which has formed the basis of UK policy for about 30 years, and which is set out in Section 2. This takes the value of travel time savings on employer’s business as equal to the gross wage rate plus an allowance for other costs that the employer saves. These might include such things as desk space, computer, tools, uniform, protective clothing, travel expenses. These were investigated...

Financial development and domestic savings in emerging Asian countries

OpenAIRE

Yılmaz BAYAR

2014-01-01

Saving is one of the important determinants of economic growth. Therefore determinants of saving are indirectly important for a sustainable economic growth. Financial sector has come into prominence as a possible determinant of saving in the globalized financial markets. This study examines the relationship between gross domestic savings and financial development in the emerging Asian countries during the period 1992-2011 by using panel regression. We found that financial de...

The rise of corporate savings

OpenAIRE

Roc Armenter

2012-01-01

Over the past few decades, several developed economies have experienced large changes in how much households and firms save. In fact, a sharp increase in firms’ savings behavior has changed the net position of the (nonfinancial) corporate sector vis-à-vis the rest of the economy. ; Why have firms in the business of producing goods or services become lenders? This is quite at odds with traditional models of corporate finance, which suggest that firms issue debt and equity to fund their operati...

Using the Life Satisfaction Approach to Value Daylight Savings Time Transitions: Evidence from Britain and Germany

OpenAIRE

Daniel Kuehnle; Christoph Wunder

2015-01-01

Daylight savings time (DST) represents a public good with costs and benefits. We provide the first comprehensive examination of the welfare effects of the spring and autumn transitions for the UK and Germany. Using individual-level data and a regression discontinuity design, we estimate the effect of the transitions on life satisfaction. Our results show that individuals in both the UK and Germany experience deteriorations in life satisfaction in the first week after the spring transition. We...

Current account imbalances in the euro area

Directory of Open Access Journals (Sweden)

Klára Plecitá

2013-01-01

Full Text Available While the current account balance for the euro area as a whole has been in balance, divergences in current account positions among the euro-area members have widened since the introduction of the common currency euro. During the last 13 years Portugal, Greece and Spain have run large and persistent current account deficits, whereas Luxembourg, the Netherlands, Finland or Germany have displayed during the same period large and persistent surpluses. However, there is no unambiguous agreement among economists, whether this divergence of current account positions of the euro-area countries mirrors growing intra-euro-area imbalances (Gros, 2012 or just reflects proper functioning of the European integration process (Schmitz and von Hagen, 2009. Therefore, the aim of this paper is to estimate equilibrium current account position for each of the original 12 euro area countries so that it is possible to assess whether the divergence of intra-euro current account balances could be explained on the basis of economic fundamentals or it just reflects misallocation of resources and thus macroeconomic imbalances. The equilibrium current account balance is estimated using a panel-econometric technique for a sample of 30 industrial countries, which represent euro-area member states and their main business partners, over the period 1993–2011. Economic fundamentals affecting the equilibrium current account position are selected on the basis of the saving-investment balance, the trade balance and the net income balance, to ensure that we take into an account all theoretically important explanatory variables. We find that the main determinants of current account norms in our sample are fiscal balance, a country’s net international investment position, oil balance and a country’s stage of economic development. The major part of the euro-area countries exhibits current account positions close to their equilibrium levels with the exception of the Netherlands and

Energy Savings from Industrial Water Reductions

Energy Technology Data Exchange (ETDEWEB)

Rao, Prakash; McKane, Aimee; de Fontaine, Andre

2015-08-03

Although it is widely recognized that reducing freshwater consumption is of critical importance, generating interest in industrial water reduction programs can be hindered for a variety of reasons. These include the low cost of water, greater focus on water use in other sectors such as the agriculture and residential sectors, high levels of unbilled and/or unregulated self-supplied water use in industry, and lack of water metering and tracking capabilities at industrial facilities. However, there are many additional components to the resource savings associated with reducing site water use beyond the water savings alone, such as reductions in energy consumption, greenhouse gas emissions, treatment chemicals, and impact on the local watershed. Understanding and quantifying these additional resource savings can expand the community of businesses, NGOs, government agencies, and researchers with a vested interest in water reduction. This paper will develop a methodology for evaluating the embedded energy consumption associated with water use at an industrial facility. The methodology developed will use available data and references to evaluate the energy consumption associated with water supply and wastewater treatment outside of a facility’s fence line for various water sources. It will also include a framework for evaluating the energy consumption associated with water use within a facility’s fence line. The methodology will develop a more complete picture of the total resource savings associated with water reduction efforts and allow industrial water reduction programs to assess the energy and CO2 savings associated with their efforts.

Possibilities of saving energy in buildings. Moeglichkeiten der Energieeinsparung im Gebaeudebestand. Massnahmen zur Energieeinsparung im Wohnungsbau und ihre Wirtschaftlichkeit

Energy Technology Data Exchange (ETDEWEB)

Dittert, B G

1982-01-01

New buildings offer the chance of carrying out measures of rational energy use in a favourable and evonomical way; new houses however, only account for a comparatively small share of the annual energy consumption. The lion share still goes to already existing buildings - mostly to building with bad thermal properties and inefficient heating systems. Energy saving measures promise to be successful from an economic as well as from a business point of view. This book endeavours to make a contribution to this point by giving the answer to the following questions. Which measures can be used for residential buildings without getting technical problems; how much energy can possibly be saved; which degree of profitability can be expected.

Unexpected water impacts of energy-saving measures in the iron and steel sector: Tradeoffs or synergies?

International Nuclear Information System (INIS)

Wang, Can; Zheng, Xinzhu; Cai, Wenjia; Gao, Xue; Berrill, Peter

2017-01-01

Highlights: •Associated water impacts of individual energy conservation measures were evaluated. •Water-energy tradeoffs exist in the production process adjustment of iron sector. •Considering the water impacts can change the priority ranks of technology choice. -- Abstract: Moving towards integrated governance of water and energy requires balancing tradeoffs and taking advantage of synergies through specific technology choice. However, the water-energy conservation relationships of individual conservation measures in industries other than the water and energy sectors have not been investigated in detail. This study develops a hybrid model to estimate the associated water impacts of individual energy conservation measures, using China’s iron and steel industry as a case study. The results reveal that water-energy tradeoffs exist in the production process adjustment, which is conventionally promoted as a key energy-saving measure in iron and steel industry. It is found that replacing the Blast Oxygen Furnace (BOF) process with the Electric Arc Furnace (EAF) in 2007 could save 131–156 kg coal equivalent (kgce) (13.2–15.7%) of embodied energy per ton of crude steel (tcs) at the expenses of an additional 2.5–3.9 m 3 /tcs (10.6–16.4%) of water footprint. Nineteen energy efficiency technologies are studied in this research, and most of them are identified as having water-saving synergies except for the Low Temperature Rolling Technology. Taking these water impacts into consideration can update the priority ranks of the technology choices and inform policy decisions. Although this study focuses on China’s iron and steel sector, the methods and analysis can be extended to other countries, sectors, technologies and environmental impacts.

Prices make energy savings more then a slogan

International Nuclear Information System (INIS)

Jesny, M.; Hruz, J.

2003-01-01

an important issue in regards to about 980-thousand flats but the situation is more complicated in this case. After a transformation from co-operative or state-owned flats housing associations or other organisations of flat owners are administrating the flats. A part of the flats got under control of municipalities. The owners and the trustees would like to cut the costs but do not have the necessary knowledge and means. It is especially flats (in blocks of flats) that have large saving-potential. This depends on technologies used on the house, time of building and the level of using measuring and regulation equipment. The saving potential in this case is between 10 and 50 percent, and that is a very high ratio. The third group of buildings is in the hands of the state administration - offices, hospitals, schools, sport and culture facilities. There are about 13 to 14-thousand such buildings in Slovakia. Though the number of the buildings is not high all of them have one owner - the state. The saving potential of these buildings is at about 10 to 50-percent level. But with a targeted approach the state as owner of these buildings could use the service offered by companies providing energy management for this buildings more efficiently. In area of using the potential of energy savings in buildings experts thinks that future could belong to large trustee companies that would control the energy management of buildings and would be in a position to propose rationalisation methods that would take into account all investments and the life expectancy of the buildings. (Authors)

49 CFR 10.23 - Accounting of disclosures.

Science.gov (United States)

2010-10-01

... 49 Transportation 1 2010-10-01 2010-10-01 false Accounting of disclosures. 10.23 Section 10.23... INDIVIDUALS Maintenance of Records § 10.23 Accounting of disclosures. Each operating administration, the... accurate accounting of: (1) The date, nature, and purpose of each disclosure of a record to any person or...

Assessing Potential Energy Cost Savings from Increased Energy Code Compliance in Commercial Buildings

Energy Technology Data Exchange (ETDEWEB)

Rosenberg, Michael I.; Hart, Philip R.; Athalye, Rahul A.; Zhang, Jian; Wang, Weimin

2016-02-15

The US Department of Energy’s most recent commercial energy code compliance evaluation efforts focused on determining a percent compliance rating for states to help them meet requirements under the American Recovery and Reinvestment Act (ARRA) of 2009. That approach included a checklist of code requirements, each of which was graded pass or fail. Percent compliance for any given building was simply the percent of individual requirements that passed. With its binary approach to compliance determination, the previous methodology failed to answer some important questions. In particular, how much energy cost could be saved by better compliance with the commercial energy code and what are the relative priorities of code requirements from an energy cost savings perspective? This paper explores an analytical approach and pilot study using a single building type and climate zone to answer those questions.

Energy saving and consumption reducing evaluation of thermal power plant

Science.gov (United States)

Tan, Xiu; Han, Miaomiao

2018-03-01

At present, energy saving and consumption reduction require energy saving and consumption reduction measures for thermal power plant, establishing an evaluation system for energy conservation and consumption reduction is instructive for the whole energy saving work of thermal power plant. By analysing the existing evaluation system of energy conservation and consumption reduction, this paper points out that in addition to the technical indicators of power plant, market activities should also be introduced in the evaluation of energy saving and consumption reduction in power plant. Ttherefore, a new evaluation index of energy saving and consumption reduction is set up and the example power plant is calculated in this paper. Rresults show that after introducing the new evaluation index of energy saving and consumption reduction, the energy saving effect of the power plant can be judged more comprehensively, so as to better guide the work of energy saving and consumption reduction in power plant.

The modern water-saving agricultural technology: Progress and focus

African Journals Online (AJOL)

GREGORY

2010-09-13

Sep 13, 2010 ... DEVELOPING TENDENCY OF MODERN WATER-. SAVING AGRICULTURAL TECHNOLOGY. Excavation of the own water-saving potential using biotechnology. The biological water-saving technology that uses crop physiology control and modern breeding techniques to increase production and water ...

Measured energy savings from using night temperature setback

International Nuclear Information System (INIS)

Szydlowski, R.F.; Wrench, L.E.; O'Neill, P.J.

1993-01-01

The measured energy savings resulting from using night temperature setback in typical light-construction wooden office buildings was determined. Researchers installed monitoring equipment in a six-building sample of two-story wooden buildings at Fort Devens, Massachusetts. Data obtained during both single-setting and night-setback operating modes were used to develop models of each building's heat consumption as a function of the difference between inside and outside temperature. These models were used to estimate seasonal savings that could be obtained from the use of night-setback thermostat control. The measured savings in heating energy from using night temperature setback for the six Fort Devens buildings ranged from 14% to 25%; the mean savings was 19.2%. Based on an energy cost of $0.65/therm of natural gas, the estimated average cost savings of using automatic setback thermostats in these buildings is $780 per year per building

Materials control and accountability auditor training

International Nuclear Information System (INIS)

Barham, M.A.

1993-01-01

As the Department of Energy (DOE) works to standardize the training for individuals performing materials control and accountability (MC and A) functions, the need for a definition of the appropriate training for MC and A auditors has become apparent. In order to meet the DOE requirement for individual training plans for all staff performing MC and A functions, the following set of guidelines was developed for consideration as applicable to MC and A auditors. The application of these guidelines to specific operating environments at individual DOE sites may require modification to some of the tables. The paper presents one method of developing individual training programs for an MC and A auditor or for an MC and A audit group based on the requirements for internal audits and assessments included in DOE Order 5633.3, Control and Accountability for Nuclear Materials

Diamond-set drill bits: savings achieved at Cominak

International Nuclear Information System (INIS)

Artru, P.; Bibert, F.X.; Croisat, G.

1988-01-01

Rotary instead of percussion adoption of drilling in the underground Akouta mine (Niger) has been the cause of important savings in blasting and bolting operations. Other savings affect capital expenditures and indirect savings are coming from better working conditions. For blast holes drilling and bolting, spare parts expenditures are 2.4 times lower with rotary drilling. Drilling rods are cheaper and last longer with rotary drilling. A rotary equipped Jumbos fleet is cheaper to maintain and is 18% more available, due to less mechanical and other breakdowns. Total savings for the mine owner and operator Cominak reach more than a billion of CFA francs [fr

Cost savings from extended life nuclear plants

International Nuclear Information System (INIS)

Forest, L.R. Jr.; Deutsch, T.R.; Schenler, W.W.

1988-09-01

This study assesses the costs and benefits of nuclear power plant life extension (NUPLEX) for the overall US under widely varying economic assumptions and compares these with alternative new coal- fired plants (NEWCOAL). It is found that NUPLEX saves future electricity consumers more than 3 cents/-kwh compared with NEWCOAL. The NUPLEX costs and benefits for existing individual US nuclear power plants under base-line, or most likely, assumptions are assessed to determine the effects of the basic plant design and plant age. While benefits vary widely, virtually all units would have a positive benefit from NUPLEX. The study also presents a cost-benefit analysis of the nuclear industry's planned advanced light water reactor (ALWR). It is concluded that ALWR offers electrical power at a substantially lower cost than NEWCOAL. 9 refs., 6 figs

Evaluation of water saving measures for mid-sized tourist lodging units: the case of Samos Island, Greece

Directory of Open Access Journals (Sweden)

Eleftheria E. Klontza

2016-06-01

Full Text Available Hotel sector causes significant environmental stress in both natural and built up areas due to their consumption of water and energy. In addition, the production of large volumes of liquid and solid waste results in a significant environmental footprint. The use of water and energy by hotels is strongly linked (e.g. energy is consumed for hot water, operation of the pool, preparation of meals, etc. and usually referred to as the water – energy nexus. Thus, for big consumers like hotels, water and energy consumption should be addressed collectively as water-saving measures can lead to a reduction in energy consumption. The aim of this study is to assess the environmental performance of mid-sized hotel units by analyzing and quantifying their use of water. An analysis using a two-step approach was made of 8 accommodation facilities located on Samos Island, Greece: (i a mapping of water use by adopting an end-use approach, and then (ii an assessment of saving practices using three main criteria: savings, cost of investment and payback time. The preliminary results indicate that for small sized lodging units, water consumed inside the guest rooms accounts for the majority of all the water used and low-cost water saving measures and actions can reduce the pressure on water resources without disturbing guests, while increasing the financial profitability of a hotel.

Potential for the Use of Energy Savings Performance Contracts to Reduce Energy Consumption and Provide Energy and Cost Savings in Non-Building Applications

Energy Technology Data Exchange (ETDEWEB)

Williams, Charles; Green, Andrew S.; Dahle, Douglas; Barnett, John; Butler, Pat; Kerner, David

2013-08-01

The findings of this study indicate that potential exists in non-building applications to save energy and costs. This potential could save billions of federal dollars, reduce reliance on fossil fuels, increase energy independence and security, and reduce greenhouse gas emissions. The Federal Government has nearly twenty years of experience with achieving similar energy cost reductions, and letting the energy costs savings pay for themselves, by applying energy savings performance contracts (ESPC) inits buildings. Currently, the application of ESPCs is limited by statute to federal buildings. This study indicates that ESPCs can be a compatible and effective contracting tool for achieving savings in non-building applications.

A Cost Estimation Analysis of U.S. Navy Ship Fuel-Savings Techniques and Technologies

Science.gov (United States)

2009-09-01

Horngren , C. T., Datar, S . M., & Foster, G. (2006). Cost Accounting : A Managerial Emphasis. 12th ed. Saddle River, NJ: Pearson...COVERED Master’s Thesis 4. TITLE AND SUBTITLE A Cost Estimation Analysis of U.S. Navy Ship Fuel-Savings Techniques and Technologies 6. AUTHOR( S ...FY12 FY13 FY14 FY15 FY16 FY17 FY18 N P V   C u m   S a v i n g s   ( $ / y r / S D   s h i p s ) Time

Energy saving potential of natural ventilation in China: The impact of ambient air pollution

International Nuclear Information System (INIS)

Tong, Zheming; Chen, Yujiao; Malkawi, Ali; Liu, Zhu; Freeman, Richard B.

2016-01-01

Highlights: • Natural ventilation potential is affected largely by ambient air pollution in China. • NV hours of 76 Chinese cities based on weather and ambient air quality are estimated. • Cooling energy savings and carbon reductions of 35 major Chinese cities are estimated. • 8–78% of the cooling energy usage can be potentially reduced by NV. • Our findings provide guidelines to improve energy policies in China. - Abstract: Natural ventilation (NV) is a key sustainable solution for reducing the energy use in buildings, improving thermal comfort, and maintaining a healthy indoor environment. However, the energy savings and environmental benefits are affected greatly by ambient air pollution in China. Here we estimate the NV potential of all major Chinese cities based on weather, ambient air quality, building configuration, and newly constructed square footage of office buildings in the year of 2015. In general, little NV potential is observed in northern China during the winter and southern China during the summer. Kunming located in the Southwest China is the most weather-favorable city for natural ventilation, and reveals almost no loss due to air pollution. Building Energy Simulation (BES) is conducted to estimate the energy savings of natural ventilation in which ambient air pollution and total square footage at each city must be taken into account. Beijing, the capital city, displays limited per-square-meter saving potential due to the unfavorable weather and air quality for natural ventilation, but its largest total square footage of office buildings makes it become the city with the greatest energy saving opportunity in China. Our analysis shows that the aggregated energy savings potential of office buildings at 35 major Chinese cities is 112 GWh in 2015, even after allowing for a 43 GWh loss due to China’s serious air pollution issue especially in North China. 8–78% of the cooling energy consumption can be potentially reduced by natural

Disciplinary Accountability in the Financial Area

Directory of Open Access Journals (Sweden)

Viorel Lefter

2007-09-01

Full Text Available The disciplinary accountability of the personnel from the local public administration isdifferently regulated, depending on the personnel category. The disciplinary accountability of the civilservants is an administrative-disciplinary accountability regulated by the Law no. 188/1999 concerningthe Status of the civil servants and can take place only under the circumstances stipulated by law, whilethe disciplinary accountability of the persons hired on the basis of the individual work contract isregulated by the Work Law, Law no. 53/2003 and can take place only under the circumstances stipulatedby this law. The only basis of the disciplinary responsibility is the disciplinary infringement, that in factrepresents a deed related to work, a deed consisting in an action or inaction carried out with guilt by theemployee, through which this one broke the legal norms, the internal regulations, the individual workcontract or the applicable collective work contract, the orders and the legal dispositions of the hierarchicalsuperiors (Law no. 53/2003, Art. 263, Paragr. 2.

Studies on energy system for an energy-saving society; Sho energy gata shakai ni okeru energy system kento

Energy Technology Data Exchange (ETDEWEB)

NONE

1996-03-01

The system to which new energy technology and energy saving technology were introduced was constructed for case studies of urban areas including core cities and the peripheral areas, and the quantitative analysis was conducted on environmental effects, etc. In the energy supply system model, the following element technologies were all considered: cogeneration system, sewage water heat, river water heat, the photovoltaic power generation, energy storage/heat storage/cold heat storage, adsorption type refrigerator, etc. Also considered were power interchange between clusters, system power buying/power selling, heat interchange or no heat interchange, etc. As a result, it was found that when constructing the energy system which synthetically takes into account thermoelectric ratios, rates of simultaneous loads, ratios of daytime/nighttime in the energy supply and demand in the urban area, the energy saving effect multiplicatively increases, and the energy system using cogeneration and unused energy such as refuse and sewage in the urban area and river water brings an energy saving effect of 32% especially in the concentrated cluster. 83 figs., 45 tabs.

Implementation of the Save and Restoration application for KOMAC operation

Energy Technology Data Exchange (ETDEWEB)

Kim, Jae-Ha; Song, Young-Gi; Kwon, Hyeok-Jung; Cho, Yong-Sub [Korea Atomic Energy Research Institute, Gyeongju (Korea, Republic of)

2016-10-15

KOMAC has been operating a 100 MeV proton linear Accelerator. There are about 10,000 PVs for operating the 100 MeV proton linac. It is important to archive the operating parameters for operating beam lines and machine study. The parameters are reported manually and with screenshot. There not fixed reporting type so it is difficult to compare archived data. To improve and compensate the reporting system, a Save and Restoration application, which is based on JAVA has been implemented and connected with KOMAC Control system based on EPICS with JCA library. The operating data are saved in Save and Restoration Server in file type, and are restored to the required values using the saved files. This paper presents Implementation of the Save and Restoration application and its function. The group list is shown in restore page using reload button. The saved value of the PVs in group is shown as selecting a group which clients require and current values are appeared beside the restore value table to compare with saved data. The set restore button input the values in restore value table to each PV. The Save and Restore application save and restore the value of the PVs that clients require. The application is installed in client PC but data are archived in save and restore server in file format.

Acquiring energy savings in manufactured housing

International Nuclear Information System (INIS)

Davey, D.

1993-01-01

In 1991, the Northwest utilities faced a complex situation. They needed new sources of electrical power to avoid future deficits. A significant block of energy savings was available in the manufactured housing sector in the form of energy savings from increased insulation to new manufactured homes. The manufacturers were interested in saving the electricity in the homes, but would only deal with the utility sector as a whole. Half of the homes targeted were sited in investor-owned utility (IOU) service territories, and half in the public sector made up of utilities that purchased some or all of their electricity from the Bonneville Power Administration. Utilities agreed to acquire energy from manufacturers In the form of thermal efficiency measures specified by the Bonneville Power Administration. The program that resulted from over one year of negotiations was called the Manufactured Housing Acquisition Program, or MAP. Manufacturers, the utilities, State Energy Offices, the Northwest Power Planning Council and Bonneville all worked closely and with tenacity to build the program that went into effect on April 1, 1992, and should save the region between 7 and 9 megawatts, enough energy to supply 11,000 homes in the Northwest

Environmental farm accounting: the case of the Dutch nutrients accounting system.

NARCIS (Netherlands)

Breembroek, J.A.; Koole, B.; Poppe, K.J.; Wossink, G.A.A.

1996-01-01

In the Netherlands bookkeeping of inputs and outputs at the level of individual farms has been selected as a new solution to control nutrient use and to tax nutrient surpluses in agriculture. At the same time, nutrient accounting presents important management information. This paper presents a

75 FR 27863 - Savings Bank of Maine, MHC and Savings Bank of Maine, Gardiner, Maine; Approval of Conversion...

Science.gov (United States)

2010-05-18

... DEPARTMENT OF THE TREASURY Office of Thrift Supervision [AC-38: OTS Nos. 06947 and H 4709] Savings Bank of Maine, MHC and Savings Bank of Maine, Gardiner, Maine; Approval of Conversion Application Notice is hereby given that on May 7, 2010, the Office of Thrift Supervision approved the application of...

Electricity saving in households. A social cognitive approach

Energy Technology Data Exchange (ETDEWEB)

Thoegersen, John; Groenhoej, Alice [Aarhus University, School of Business and Social Sciences, Department of Marketing, Haslegaardsvej 10, DK-8210 Aarhus (Denmark)

2010-12-15

We propose a conceptual framework for understanding the (lack of) energy saving efforts of private households based on Bandura's (1986) social cognitive theory. Results from applying this framework on a sample of Danish private electricity consumers are presented and it is concluded (a) that households' electricity consumption depends on both structural and motivational factors, (b) that their electricity saving effort depends on the strength of their internalized norms or self-expectations and on self-efficacy related factors, and (c) that there are predictable patterns of interaction among household members that influence their electricity consumption. The results suggest two approaches to promote electricity saving in households: (1) to change the socio-structural environment to be more facilitating for energy saving and empower householders to be more effective in their striving towards this goal through improved feedback about their household's electricity consumption and (2) social norms marketing, communicating social expectations and others' successful electricity saving achievements. (author)

INCAS residential building energy savings design code: User's guide. INCAS: guida all'uso del codice di calcolo di diagnosi energetica nell'abitazione

Energy Technology Data Exchange (ETDEWEB)

Carderi, A.

1991-01-01

The INCAS residential building energy savings design code comes complete with data banks giving designers all the necessary technical and economic information and energy savings options for the code's efficacious application to obtain the optimum energy efficient/cost beneficial solution. This user's manual contains descriptions of the types of data to be input, the code's methodology, the data banks, and complete instructions for the code's implementation. The energy savings alternatives include: choice of heating plant and fuel; choice, application location and thickness of thermal insulation. For the case of building heating system retrofits, the code takes into account the existing condition of building components.

Saving lives and saving money: hospital-based violence intervention is cost-effective.

Science.gov (United States)

Juillard, Catherine; Smith, Randi; Anaya, Nancy; Garcia, Arturo; Kahn, James G; Dicker, Rochelle A

2015-02-01

Victims of violence are at significant risk for injury recidivism, including fatality. We previously demonstrated that our hospital-based violence intervention program (VIP) resulted in a fourfold reduction in injury recidivism, avoiding trauma care costs of $41,000 per injury. Given limited trauma center resources, assessing cost-effectiveness of interventions is fundamental to inform use of these programs in other institutions. This study examines the cost-effectiveness of hospital-based VIP. We used a decision tree and Markov disease state modeling to analyze cost utility for a hypothetical cohort of violently injured subjects, comparing VIP versus no VIP at a trauma center. Quality-adjusted life-years (QALYs) were calculated using differences in mortality and published health state utilities. Costs of trauma care and VIP were obtained from institutional data, and risk of recidivism with and without VIP were obtained from our trial. Outcomes were QALYs gained and net costs over a 5-year horizon. Sensitivity analyses examined the impact of uncertainty in input values on results. VIP results in an estimated 25.58 QALYs and net costs (program plus trauma care) of $5,892 per patient. Without VIP, these values are 25.34 and $5,923, respectively, suggesting that VIP yields substantial health benefits (24 QALYs) and savings ($4,100) if implemented for 100 individuals. In the sensitivity analysis, net QALYs gained with VIP nearly triple when the injury recidivism rate without VIP is highest. Cost-effectiveness remained robust over a range of values; $6,000 net cost savings occur when 5-year recidivism rate without VIP is at 7%. VIP costs less than having no VIP with significant gains in QALYs especially at anticipated program scale. Across a range of plausible values at which VIP would be less cost-effective (lower injury recidivism, cost of injury, and program effectiveness), VIP still results in acceptable cost per health outcome gained. VIP is effective and cost

Potential energy savings and thermal comfort

DEFF Research Database (Denmark)

Jensen, Karsten Ingerslev; Rudbeck, Claus Christian; Schultz, Jørgen Munthe

1996-01-01

The simulation results on the energy saving potential and influence on indoor thermal comfort by replacement of common windows with aerogel windows as well as commercial low-energy windows are described and analysed.......The simulation results on the energy saving potential and influence on indoor thermal comfort by replacement of common windows with aerogel windows as well as commercial low-energy windows are described and analysed....

Energy savings and economics of advanced control strategies for packaged air conditioners with gas heat

Energy Technology Data Exchange (ETDEWEB)

Wang, Weimin; Katipamula, Srinivas; Huang, Yunzhi; Brambley, Michael R.

2013-10-01

This paper presents an evaluation of the potential energy savings from adding advanced control to existing packaged air conditioners. Advanced control options include air-side economizer, multi-speed fan control, demand control ventilation and staged cooling. The energy and cost savings from the different control strategies individually and in combination are estimated using the EnergyPlus detailed energy simulation program for four building types, namely, a small office building, a stand-alone retail building, a strip mall building and a supermarket building. For each of the four building types, the simulation was run for 16 locations covering all 15 climate zones in the U.S. The maximum installed cost of a replacement controller that provides acceptable payback periods to owners is estimated.

The EU must triple its energy saving policy effect

NARCIS (Netherlands)

Wesselink, B.; Eichhammer, W.; Harmsen, R.

2010-01-01

The impact of EU energy savings policy must triple to achieve the bloc’s 2020 energy savings goal. But such efforts could get a much better foundation if European leaders set a binding energy consumption target, rather than the current indicative savings target. The evidence for such

Invisible costs, visible savings.

Science.gov (United States)

Lefever, G

1999-08-01

By identifying hidden inventory costs, nurse managers can save money for the organization. Some measures include tracking and standardizing supplies, accurately evaluating patients' needs, and making informed purchasing decisions.