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…

How EPRI [Electric Power Research Institute] helps utilities save money

International Nuclear Information System (INIS)

Anon.

1996-01-01

A number of case studies are presented which illustrate how the work of the Electric Power Research Institute in the USA has enabled nuclear utilities to save money. The areas covered by the examples are: steam generator tube repair; streamlining of reliability centred maintenance; cost effective instrumentation and control maintenance; reducing the frequency of instrument calibration; optimising the engineering change process; detecting and reducing fuel failure; extending the qualified life of equipment. (U.K.)

When Reducing Low-Value Care in Hospital Medicine Saves Money, Who Benefits ?

Science.gov (United States)

Liao, Joshua M; Navathe, Amol S; Schapira, Marilyn M; Weissman, Arlene; Mitra, Nandita; Asch, David A

2018-01-01

One emerging policy solution for deterring low-value care is to financially penalize physicians who prescribe it. However, physicians' willingness to support such policies may depend on whether they perceive that benefits accrue to patients or to insurers and hospitals. We surveyed physicians practicing hospital medicine to evaluate the association between policy support and physician beliefs about who benefits from the money saved through reducing low-value services in hospital medicine. Overall, physicians believed that more of any money saved would go to profits and leadership salaries for insurance companies and hospitals and/or health systems rather than to patients. These beliefs were associated with policy support: 66% of those supporting physician penalties were more likely to believe that benefits accrue to patients or physicians, compared to 39% of those not supporting policies (P benefits accrue to corporate or organizational interests. Effective physician penalties will likely need to address the belief that insurers and provider organizations stand to gain more than patients when low-value care services are reduced. © 2017 Society of Hospital Medicine.

Smart Money

Science.gov (United States)

Ullman, Ellen

2009-01-01

From using virtualization technology to accepting lunch payments online, school districts are seeking money-saving methods. In this article, the author discusses some methods used by school districts that allow them to save money from using virtualization technology to accepting lunch payments online.

Vattenfall want to save money: will run Ringhals 3 and 4 with reduced power

International Nuclear Information System (INIS)

Anon.

1982-01-01

Ringhals 3 and 4 are nuclear power stations which require re-design before full power can be generated. To save money both stations will be running at reduced power during 1982 to generate power and gain running experience. (J.H.)

Optimization of thermal insulation to achieve energy savings in low energy house (refurbishment)

International Nuclear Information System (INIS)

Bojić, Milorad; Miletić, Marko; Bojić, Ljubiša

2014-01-01

Highlights: • For buildings that require heating, a thickness of their thermal insulation is optimized. • The objective was to improve energy efficiency of the building. • The optimization is performed by using EnergyPlus and Hooke–Jeeves method. • The embodied energy of thermal insulation and the entire life cycle of the house are taken into account. - Abstract: Due to the current environmental situation, saving energy and reducing CO 2 emission have become the leading drive in modern research. For buildings that require heating, one of the solutions is to optimize a thickness of their thermal insulation and thus improve energy efficiency and reduce energy needs. In this paper, for a small residential house in Serbia, an optimization in the thickness of its thermal insulation layer is investigated by using EnergyPlus software and Hooke–Jeeves direct search method. The embodied energy of thermal insulation is taken into account. The optimization is done for the entire life cycle of thermal insulation. The results show the optimal thickness of thermal insulation that yields the minimum primary energy consumption

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.

Save Time and Money through Chemistry (by Ken Carpenter)

Science.gov (United States)

Hazari, Al

1998-01-01

Useful Chemistry Publishing: Dayton, OH, 1997. 261 pp. Figs. and tables. ISBN: 0965566714. $24.95 (soft cover only). Would you like to learn about the 5 W's of everyday chemistry and chemicals? Who(m) should you see to learn to identify and appraise jewelry? What should you eat for breakfast? When should you get up from your sleep? Where is cholesterol in the human body? Why do pool owners add hydrochloric acid? Then read Save Time and Money through Chemistry, by Ken Carpenter. This book is loaded with practical and useful chemistry information that every person who took chemistry in high school or college wishes he or she had been introduced or exposed to. I know I do.

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

Can health promotion programs save Medicare money?

Science.gov (United States)

Goetzel, Ron Z; Shechter, David; Ozminkowski, Ronald J; Stapleton, David C; Lapin, Pauline J; McGinnis, J Michael; Gordon, Catherine R; Breslow, Lester

2007-01-01

The impact of an aging population on escalating US healthcare costs is influenced largely by the prevalence of chronic disease in this population. Consequently, preventing or postponing disease onset among the elderly has become a crucial public health issue. Fortunately, much of the total burden of disease is attributable to conditions that are preventable. In this paper, we address whether well-designed health promotion programs can prevent illness, reduce disability, and improve the quality of life. Furthermore, we assess evidence that these programs have the potential to reduce healthcare utilization and related expenditures for the Medicare program. We hypothesize that seniors who reduce their modifiable health risks can forestall disability, reduce healthcare utilization, and save Medicare money. We end with a discussion of a new Senior Risk Reduction Demonstration, which will be initiated by the Centers for Medicare and Medicaid Services in 2007, to test whether risk reduction programs developed in the private sector can achieve health improvements among seniors and a positive return on investment for the Medicare program. PMID:18044084

Big Money: The Effect of Money Size on Value Perceptions and Saving Motivation.

Science.gov (United States)

Peetz, Johanna; Soliman, Monica

2016-01-28

Motivated perception has been shown to affect people's estimates of money (e.g., perceiving coins as larger than real size). In the present research, we examine whether simply varying the size of a picture of money can affect its perceived value and subsequent decisions. Participants presented with a picture of money enlarged by 15% perceived the depicted money as more valuable compared with those seeing a real-size picture (Study 1). When told to imagine their own cash and banked money in the depicted form, participants presented with a picture enlarged by 15% felt more subjectively wealthy and reported fewer intentions to conserve their money compared with those seeing a real-size picture of the same money (Study 2). Together, these studies suggest that judgments about money and even attitudes toward personal spending can be influenced by manipulating the size of a picture of money. © The Author(s) 2016.

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.

Timber Chips as the Insulation Material for Energy Saving in Prefabricated Offices

Directory of Open Access Journals (Sweden)

Yupeng Wang

2016-06-01

Full Text Available This research demonstrates the feasibility of a roof insulation method for prefabricated offices that uses vinyl packed timber chips to reduce air conditioning loads (hereinafter referred to as AC loads and which also improves indoor thermal comfort. The advantages of the new roof insulation method were revealed through comparing the impacts of four roof types on prefabricated offices. The AC load and indoor thermal comfort (surface temperature and air temperature were evaluated. The disposal of scrap timber discarded from building construction projects is costing money, and is also a waste of natural resources. The assessment of a new roof insulation method with timber chips demonstrates the advanced usage of timber chips, reducing the environmental load in the building construction process. On the other hand, since prefabricated offices have lower thermal storage capacities and are less airtight than RC (reinforced concrete or S (steel structured buildings, the AC load consumption and indoor thermal comfort exacerbation in prefabricated offices is more serious. Especially in summer, a large amount of solar energy absorption from the roof raises the indoor air temperature and significantly increases the cooling load. This research contributes to the environmental design for prefabricated offices, and develops a method for the reuse of wood chips.

Adopting a surgical safety checklist could save money and improve the quality of care in U.S. hospitals.

Science.gov (United States)

Semel, Marcus E; Resch, Stephen; Haynes, Alex B; Funk, Luke M; Bader, Angela; Berry, William R; Weiser, Thomas G; Gawande, Atul A

2010-09-01

Use of the World Health Organization's Surgical Safety Checklist has been associated with a significant reduction in major postoperative complications after inpatient surgery. We hypothesized that implementing the checklist in the United States would generate cost savings for hospitals. We performed a decision analysis comparing implementation of the checklist to existing practice in U.S. hospitals. In a hospital with a baseline major complication rate after surgery of at least 3 percent, the checklist generates cost savings once it prevents at least five major complications. Using the checklist would both save money and improve the quality of care in hospitals throughout the United States.

Has Outsourcing/Contracting Out Saved Money and/or Improved Service Quality? A Vote-Counting Analysis

OpenAIRE

Bourbeau, John Allen

2004-01-01

Most privatization literature, of which outsourcing/contracting out is a sub-set, discusses: 1) localized anecdotes of how organizations privatized; 2) privatization's history; 3) its types; and/or 4) its pros and cons. What is missing is a methodologically defensible, comprehensive, macro-view of whether or not outsourcing has saved money and/or improved service quality. Using the vote-counting analytical procedure, this dissertation provides one comprehensive view by analyzing and combin...

Does good medication adherence really save payers money?

Science.gov (United States)

Stuart, Bruce C; Dai, Mingliang; Xu, Jing; Loh, Feng-Hua E; S Dougherty, Julia

2015-06-01

Despite a growing consensus that better adherence with evidence-based medications can save payers money, assertions of cost offsets may be incomplete if they fail to consider additional drug costs and/or are biased by healthy adherer behaviors unobserved in typical medical claims-based analyses. The objective of this study was to determine whether controlling for healthy adherer bias (HAB) materially affected estimated medical cost offsets and additional drug spending associated with higher adherence. A total of 1273 Medicare beneficiaries with diabetes enrolled in Part D plans between 2006 and 2009. Using survey and claims data from the Medicare Current Beneficiary Survey, we measured medical and drug costs associated with good and poor adherence (proportion of days covered ≥ 80% and <80%, respectively) to oral antidiabetic drugs, ACE inhibitors/ARBs, and statins over 2 years. To test for HAB, we estimated pairs of regression models, one set containing variables typically controlled for in conventional claims analysis and a second set with survey-based variables selected to capture HAB effects. We found consistent evidence that controlling for HAB reduces estimated savings in medical costs from better adherence, and likewise, reduces estimates of additional adherence-related drug spending. For ACE inhibitors/ARBs we estimate that controlling for HAB reduced adherence-related medical cost offsets from $6389 to $4920 per person (P<0.05). Estimates of additional adherence-related drug costs were 26% and 14% lower in HAB-controlled models (P < 0.05). These results buttress the economic case for action by health care payers to improve medication adherence among insured persons with chronic disease. However, given the limitations of our research design, further research on larger samples with other disease states is clearly warranted.

How School Facilities Managers and Business Officials Are Reducing Operating Costs and Saving Money. Energy-Smart Building Choices.

Science.gov (United States)

Department of Energy, Washington, DC.

This guide addresses contributions that school facility administrators and business officials can make in an effort to reduce operating costs and free up money for capital improvements. The guide explores opportunities available to utilize energy-saving strategies at any stage in a building's life, from its initial design phase through renovation.…

Ageing, property prices and money demand

OpenAIRE

Kiyohiko Nishimura; Elod Takáts

2012-01-01

When the baby boomers joined the workforce and started saving, money supply and property prices entered a rising trajectory. We conclude that demography was the long-run driver of this process, basing our argument on data from 22 advanced economies for the 1950-2010 period. According to our lifecycle model, large working-age populations saved for their old age by investing in property and broad money instruments, such as deposits. In the past, savings activity by baby boomers drove up propert...

Money distribution with intermediation

OpenAIRE

Teles, Caio Augusto Colnago

2013-01-01

This pap er analyzes the distribution of money holdings in a commo dity money search-based mo del with intermediation. Intro ducing heterogeneity of costs to the Kiyotaki e Wright ( 1989 ) mo del, Cavalcanti e Puzzello ( 2010) gives rise to a non-degenerated distribution of money. We extend further this mo del intro ducing intermediation in the trading pro cess. We show that the distribution of money matters for savings decisions. This gives rises to a xed p oint problem for the ...

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…

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

High Performance Slab-on-Grade Foundation Insulation Retrofits

Energy Technology Data Exchange (ETDEWEB)

Goldberg, Louise F. [NorthernSTAR, St. Paul, MN (United States); Mosiman, Garrett E. [NorthernSTAR, St. Paul, MN (United States)

2015-09-01

?A more accurate assessment of SOG foundation insulation energy savings than traditionally possible is now feasible. This has been enabled by advances in whole building energy simulation with 3-dimensional foundation modelling integration at each time step together with an experimental measurement of the site energy savings of SOG foundation insulation. Ten SOG insulation strategies were evaluated on a test building to identify an optimum retrofit insulation strategy in a zone 6 climate (Minneapolis, MN). The optimum insulation strategy in terms of energy savings and cost effectiveness consisted of two components: (a) R-20 XPS insulation above grade, and, (b) R-20 insulation at grade (comprising an outer layer of R-10 insulation and an interior layer of R-12 poured polyurethane insulation) tapering to R-10 XPS insulation at half the below-grade wall height (the lower half of the stem wall was uninsulated). The optimum insulation strategy was applied to single and multi-family residential buildings in climate zone 4 - 7. The highest site energy savings of 5% was realized for a single family home in Duluth, MN, and the lowest savings of 1.4 % for a 4-unit townhouse in Richmond, VA. SOG foundation insulation retrofit simple paybacks ranged from 18 to 47 years. There are other benefits of SOG foundation insulation resulting from the increase in the slab surface temperatures. These include increased occupant thermal comfort, and a decrease in slab surface condensation particularly around the slab perimeter.

High-Performance Slab-on-Grade Foundation Insulation Retrofits

Energy Technology Data Exchange (ETDEWEB)

Goldberg, Louise F. [NorthernSTAR, St. Paul, MN (United States); Mosiman, Garrett E. [NorthernSTAR, St. Paul, MN (United States)

2015-09-01

A more accurate assessment of slab-on-grade foundation insulation energy savings than traditionally possible is now feasible. This has been enabled by advances in whole building energy simulation with 3-dimensional foundation modelling integration at each time step together with an experimental measurement of the site energy savings of SOG foundation insulation. Ten SOG insulation strategies were evaluated on a test building to identify an optimum retrofit insulation strategy in a zone 6 climate (Minneapolis, MN). The optimum insulation strategy in terms of energy savings and cost effectiveness consisted of two components: (a) R-20 XPS insulation above grade, and, (b) R-20 insulation at grade (comprising an outer layer of R-10 insulation and an interior layer of R-12 poured polyurethane insulation) tapering to R-10 XPS insulation at half the below-grade wall height (the lower half of the stem wall was uninsulated).

The Dual Role of Money and Optimal Financial Taxes

NARCIS (Netherlands)

Huizinga, H.P.

1996-01-01

This paper reconsiders the optimal taxation of money and other financial assets.The optimal tax formulae reflect that money provides liquidity services and is a saving vehicle.In fact, it is useful to reformulate the optimal tax problem to allow for separate taxes on the liquidity and saving

Can health promotion programs save Medicare money?

Directory of Open Access Journals (Sweden)

Ron Z Goetzel

2007-04-01

Full Text Available Ron Z Goetzel1, David Shechter2, Ronald J Ozminkowski1, David C Stapleton3, Pauline J Lapin4, J Michael McGinnis5, Catherine R Gordon6, Lester Breslow71Institute for Health and Productivity Studies, Cornell University, Washington, DC; 2Health and Productivity Research, Thomson Medstat, Santa Barbara, CA; 3Cornell Institute for Policy Research, Cornell University, Washington, DC; 4Office of Research, Development, and Information, Centers for Medicare and Medicaid Services, Baltimore, MD; 5National Academy of Sciences, Institute of Medicine, The National Academies, Washington, DC; 6Office of the Director, Centers for Disease Control and Prevention, Washington, DC; 7UCLA School of Public Health, Dept. of Health Services, Los Angeles, CA, USAAbstract: The impact of an aging population on escalating US healthcare costs is influenced largely by the prevalence of chronic disease in this population. Consequently, preventing or postponing disease onset among the elderly has become a crucial public health issue. Fortunately, much of the total burden of disease is attributable to conditions that are preventable. In this paper, we address whether well-designed health promotion programs can prevent illness, reduce disability, and improve the quality of life. Furthermore, we assess evidence that these programs have the potential to reduce healthcare utilization and related expenditures for the Medicare program. We hypothesize that seniors who reduce their modifiable health risks can forestall disability, reduce healthcare utilization, and save Medicare money. We end with a discussion of a new Senior Risk Reduction Demonstration, which will be initiated by the Centers for Medicare and Medicaid Services in 2007, to test whether risk reduction programs developed in the private sector can achieve health improvements among seniors and a positive return on investment for the Medicare program.Keywords: health promotion, return on investment, Medicare, financial

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. ...

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...

NCBI-compliant genome submissions: tips and tricks to save time and money.

Science.gov (United States)

Pirovano, Walter; Boetzer, Marten; Derks, Martijn F L; Smit, Sandra

2017-03-01

Genome sequences nowadays play a central role in molecular biology and bioinformatics. These sequences are shared with the scientific community through sequence databases. The sequence repositories of the International Nucleotide Sequence Database Collaboration (INSDC, comprising GenBank, ENA and DDBJ) are the largest in the world. Preparing an annotated sequence in such a way that it will be accepted by the database is challenging because many validation criteria apply. In our opinion, it is an undesirable situation that researchers who want to submit their sequence need either a lot of experience or help from partners to get the job done. To save valuable time and money, we list a number of recommendations for people who want to submit an annotated genome to a sequence database, as well as for tool developers, who could help to ease the process. © The Author 2015. Published by Oxford University Press. For Permissions, please email: journals.permissions@oup.com.

Energy saving potential of heat insulation solar glass: Key results from laboratory and in-situ testing

International Nuclear Information System (INIS)

Cuce, Erdem; Cuce, Pinar Mert; Young, Chin-Huai

2016-01-01

HISG (heat insulation solar glass) is a recently developed multi-functional glazing technology to mitigate energy consumption of buildings. HISG can generate electricity similar to conventional PV (photovoltaic) glazing products when exposed to sunlight, however it differs from them by having some extraordinary characteristic features such as thermal insulation, which is competitive with Argon filled triple glazed windows, acoustic comfort, remarkable energy saving potential and self-cleaning ability owing to TiO_2 nano coating. Within the scope of this research, latest results from laboratory and in-situ testing of HISG are presented in terms of its key role in mitigating heating and cooling demand of buildings as well as clean energy generation. Lighting and thermal comfort related parameters such as shading coefficient, UV, IR and visible light intensity are also investigated through the tests conducted in real operating conditions. It is achieved from the results that instant electricity generation of HISG is 16% higher than that of standard PV glazing owing to its nano layer reflective film. Shading coefficient of HISG is only 0.136, which provides almost 80% reduction in solar heat gain compared to ordinary glazing. Indoor air temperature measured from HISG test house in summer time is very close to the ambient temperature, whereas it is found to be 14.7 °C higher in ordinary glass test house due to greenhouse effect. Annual heating and cooling demand tests indicate that HISG provides 38 and 48% energy saving in heating and cooling season, respectively. - Highlights: • Nano layer reflective film of HISG enables 16% more power generation. • 80% of undesired outdoor thermal radiation is prevented by HISG. • HISG has a 100% UV blocking rate. • The shading coefficient of HISG is 0.136. • HISG provides 38 and 48% energy saving in heating and cooling season.

SOME METHODS FOR SAVING HEAT ENERGY WHILE MANUFACTURING VERTICAL INSULATING GLASS UNITS

Directory of Open Access Journals (Sweden)

S. A. Shybeka

2018-01-01

Full Text Available The paper proposes and considers two constructive methods for saving heat energy while manufacturing vertical insulating glass units with various gas filling of inter-glass space. The first method presupposes manufacturing of insulating glass units having specific thickness which is calculated in accordance with specific features of convective heat exchange in the closed loop circuit. Value of the heat-exchange coefficient depends on gas properties which is filling a chamber capacity (coefficients of thermal conductivity, volumetric expansion, kinematic viscosity, thermometric conducivity, temperature difference on the boundary of interlayer and its thickness. It has been shown that while increasing thickness of gas layer convective heat exchange coefficient is initially decreasing up to specific value and then after insignificant increase it practically remains constant. In this connection optimum thicknesses of filled inter-layers for widely-spread gas in production (dry air, argon, krypton, xenon and for carbon dioxide have determined in the paper. Manufacturing of insulating glass units with large thickness of gas chamber practically does not lead to an increase in resistance to heat transfer but it will increase gas consumption rate. The second industrial economic method is interrelated with application of carbon dioxide СО2 as a filler of inter-glass space which has some advantages in comparison with other gases (small cost due to abundance, nontoxicity, transparency for visual light and absorption of heat rays. Calculations have shown that application of carbon dioxide will make it possible to increase resistance to heat transfer of one-chamber glass unit by 0.05 m²×K/W (with emissivity factor of internal glass – 0.837 or by 0.16 m²×K/W (with emission factor – 0.1 in comparison with the glass unit where a chamber is filled with dry air.

Impact of insulation and consumer behavior on natural gas consumption

Energy Technology Data Exchange (ETDEWEB)

van Mastrigt, P.

1983-09-01

The influence of insulation measures and certain changes in behavioral patterns on gas consumption for home heating has been examined, both on an annual basis and on the maximum day and at the maximum hour. By means of good insulation (cavity wall insulation and double glazing on the ground floor) annual gas consumption can be brought down by 28-35%, depending on the type of dwelling, as compared with moderate insulation. Maximum day consumption will go down by 26-33% and maximum hour consumption by no more than 20-28%. Further insulation, to current Danish standards, would enable savings of up to 72% of annual consumption, 64-66% of maximum day consumption and 52-55% of maximum hour consumption. By further night reduction from 14.5 degrees C to 12 degrees C 2% of the annual consumption can be saved in moderately insulated dwellings. It also leads, however, to an increase in maximum hour consumption by some 11%. In heavily insulated dwellings further night reduction does not yield any additional savings on the annual consumption. By lowering the thermostat setting by 2 degrees C in the daytime annual consumption in a moderately insulated dwelling can be cut by 9%. With increasing insulation level the savings will get higher, up to 11% in heavily insulated dwellings. Drawing the curtains during the evening and night may yield savings of 4-6% depending on the ratio of glass surface to total outer wall surface. These savings will be lower as the insulation level increases. The results of the study have been converted to the overall domestic natural gas consumption in the Netherlands. In 1985 the annual consumption will be 7% lower than in 1978 as a result of insulation measures and changes in consumer behavior, even at a rise in the total number of connections. Maximum day consumption will be 5% lower and maximum hour consumption will be virtually the same. This trend became already manifest during the 1978-1982 period.

Save water to save carbon and money: developing abatement costs for expanded greenhouse gas reduction portfolios.

Science.gov (United States)

Stokes, Jennifer R; Hendrickson, Thomas P; Horvath, Arpad

2014-12-02

The water-energy nexus is of growing interest for researchers and policy makers because the two critical resources are interdependent. Their provision and consumption contribute to climate change through the release of greenhouse gases (GHGs). This research considers the potential for conserving both energy and water resources by measuring the life-cycle economic efficiency of greenhouse gas reductions through the water loss control technologies of pressure management and leak management. These costs are compared to other GHG abatement technologies: lighting, building insulation, electricity generation, and passenger transportation. Each cost is calculated using a bottom-up approach where regional and temporal variations for three different California water utilities are applied to all alternatives. The costs and abatement potential for each technology are displayed on an environmental abatement cost curve. The results reveal that water loss control can reduce GHGs at lower cost than other technologies and well below California's expected carbon trading price floor. One utility with an energy-intensive water supply could abate 135,000 Mg of GHGs between 2014 and 2035 and save--rather than spend--more than $130/Mg using the water loss control strategies evaluated. Water loss control technologies therefore should be considered in GHG abatement portfolios for utilities and policy makers.

Passive Collecting of Solar Radiation Energy using Transparent Thermal Insulators, Energetic Efficiency of Transparent Thermal Insulators

Directory of Open Access Journals (Sweden)

Smajo Sulejmanovic

2014-11-01

Full Text Available This paper explains passive collection of solar radiation energy using transparent thermal insulators. Transparent thermal insulators are transparent for sunlight, at the same time those are very good thermal insulators. Transparent thermal insulators can be placed instead of standard conventional thermal insulators and additionally transparent insulators can capture solar radiation, transform it into heat and save heat just as standard insulators. Using transparent insulators would lead to reduce in usage of fossil fuels and would help protection of an environment and reduce effects of global warming, etc.

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....

Rural Women, Money and Financial Service.

Science.gov (United States)

Jiggins, Janice

1985-01-01

The author points out the multifaceted aspects of the problems associated with rural women's need for money and financial services and outlines innovative schemes in this area such as the bank for the landless in Bangladesh, a savings and loan cooperative for market women in Nicaragua, and a savings development movement in Zimbabwe. (CT)

Multiple drug cost containment policies in Michigan's Medicaid program saved money overall, although some increased costs.

Science.gov (United States)

Kibicho, Jennifer; Pinkerton, Steven D

2012-04-01

Michigan's Medicaid program implemented four cost containment policies--preferred drug lists, joint and multistate purchasing arrangements, and maximum allowable cost--during 2002-04. The goal was to control growth of drug spending for beneficiaries who were enrolled in both Medicaid and Medicare and taking antihypertensive or antihyperlipidemic prescription drugs. We analyzed the impact of each policy while holding the effect of all other policies constant. Preferred drug lists increased both preferred and generic drugs' market share and reduced daily cost--the cost per day for each prescription provided to a beneficiary. In contrast, the maximum allowable cost policy increased daily cost and was the only policy that did not generate cost savings. The joint and multistate arrangements did not affect daily cost. Despite these policy trade-offs, the cumulative effect was a 10 percent decrease in daily cost and a total cost savings of $46,195 per year. Our findings suggest that policy makers need to evaluate the impact of multiple policies aimed at restraining drug spending, and further evaluate the policy trade-offs, to ensure that scarce public dollars achieve the greatest return for money spent.

How changes to the Medicare Benefits Schedule could improve the practice of cardiology and save taxpayer money.

Science.gov (United States)

Harper, Richard W; Nasis, Arthur; Sundararajan, Vijaya

2015-09-21

Rising health care costs above inflation are placing serious strains on the sustainability of the Australian Medicare system in its current structure. The Medicare Benefits Schedule (MBS), which lists rebates payable to patients for private medical services provided on a fee-for-service basis, is the cornerstone of the Australian health care system. Introduced in the 1980s, the MBS has changed little despite major advances in the evidence base for the practice of cardiology. We outline how we believe sensible changes to the MBS listings for four cardiac services--invasive coronary angiography, computed tomography coronary angiography, stress testing and percutaneous coronary intervention--would improve the clinical practice of cardiology and save substantial amounts of taxpayer money.

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.

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

2014-12-01

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.

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

The M77 Highway: saving lives and money.

Science.gov (United States)

Crane, Evan O T; Augustine, Angelica; Tait, Gavin R

2008-09-01

Upgrading of a stretch of the A77, a major road in South West Scotland to Highway status has resulted in a significant reduction in the incidence of serious and fatal road traffic accidents on a major international route. Notwithstanding the pain and suffering prevented, the annual economic savings amount to over pound 6.1 Million ($12.14 M/euro 7.96 M) The Highway, with an effective central reservation barrier, will pay for itself in 17 years and will continue to prevent serious injury and save lives.

Determination of optimum insulation thickness in pipe for exergetic life cycle assessment

International Nuclear Information System (INIS)

Keçebaş, Ali

2015-01-01

Highlights: • It is aimed to determine optimum insulation thickness in pipe. • A new methodology is used as exergetic life cycle assessment for this purpose. • It is evaluated for various fuels, different pipe diameters and some combustion parameters. • This methodology is not suitable for determining optimum insulation thickness of a pipe. • There are benefits to our understanding of the need for insulation use in pipes. - Abstract: The energy saving and the environmental impacts’ reduction in the world building sector have gained great importance. Therefore, great efforts have been invested to create energy-saving green buildings. To do so, one of the many things to be done is the insulation of cylindrical pipes, canals and tanks. In the current study, the main focus is on the determination of the optimum insulation thickness of the pipes with varying diameters when different fuels are used. Therefore, through a new method combining exergy analysis and life cycle assessment, optimum insulation thickness of the pipes, total exergetic environmental impact, net saving and payback period were calculated. The effects of the insulation thickness on environmental and combustion parameters were analyzed in a detailed manner. The results revealed that optimum insulation thickness was affected by the temperature of the fuel when it enters into the combustion chamber, the temperature of the stack gas and the temperature of the combustion chamber. Under these optimum effects, the optimum insulation thickness of a 100 mm pipe was determined to be 55.7 cm, 57.2 cm and 59.3 cm for coal, natural gas and fuel–oil, respectively with the ratios of 76.32%, 81.84% and 84.04% net savings in the exergetic environmental impact. As the environmental impacts of the fuels and their products are bigger than those of the insulation material, the values of the optimum insulation thickness of the method used this study was found greater. Moreover, in the pipes with greater

Tip Saves Energy, Money for Pennsylvania Plant

Science.gov (United States)

A wastewater treatment plant in Berks County, Pennsylvania is saving nearly $45,000 a year and reducing hundreds of metric tons of greenhouse gases since employing an energy conservation tip offered by the Water Protection Division in EPA’s R3 and PADEP.

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.

Use staff wisely to save NHS money.

Science.gov (United States)

Moore, Alison

2015-12-09

The NHS could save up to £ 2 billion a year by improving workflow and containing workforce costs, according to Labour peer Lord Carter's review of NHS efficiency. Changes in areas such as rostering and management of annual leave must avoid increasing the pressure on staff.

Pay Yourself First. FDIC Money Smart Financial Education Curriculum = Paguese Usted Primero. FDIC Money Smart Plan de Educacion para Capacitacion en Finanzas.

Science.gov (United States)

Federal Deposit Insurance Corp., Washington, DC.

This module on why one should save is one of ten in the Money Smart curriculum, and includes an instructor guide and a take-home guide. It was developed to help adults outside the financial mainstream enhance their money skills and create positive banking relationships. It is designed to enable participants to recognize the importance of saving…

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 water to save the environment: Contrasting the effectiveness of environmental and monetary appeals in a residential water saving intervention

NARCIS (Netherlands)

Tijs, M.S.; Karremans, J.C.T.M.; Veling, H.P.; Lange, M.A. de; Meegeren, P. van; Lion, R.

2017-01-01

To convince people to reduce their energy consumption, two types of persuasive appeals often are used by environmental organizations: Monetary appeals (i.e., 'conserving energy will save you money') and environmental appeals (i.e., 'conserving energy will protect the environment'). In this field

Energy booklet. Part 2. Energy saving tips for more pocket money and environment; EnergieFibel. Heft 2. EnergieSparTipps fuer mehr Taschengeld und Umwelt

Energy Technology Data Exchange (ETDEWEB)

NONE

2009-07-01

The effective environmental protection begins when saving. Energy which is not used at all also cannot burden the environment. Pleasant side effect: also the purse is treated gently. One of the most important measures for the reduction of energy consumption is the correct thermal insulation of a building so that heating energy cannot escape unused in the free. Thus, between 50 and 75 per cent of energy can be saved. Investments within this range usually are profitable already after a short time. The utilization of damming materials from regenerative raw materials enables application of financial incentives. In addition, within other ranges of the house modernizations and a change of the behaviour of utilization help to save energy. The contribution under consideration gives advices in order to improve dwellings energy-technically. The environment and the purse will thank it.

Aerogel-Based Insulation for Industrial Steam Distribution Systems

Energy Technology Data Exchange (ETDEWEB)

John Williams

2011-03-30

Thermal losses in industrial steam distribution systems account for 977 trillion Btu/year in the US, more than 1% of total domestic energy consumption. Aspen Aerogels worked with Department of Energy’s Industrial Technologies Program to specify, develop, scale-up, demonstrate, and deliver Pyrogel XT®, an aerogel-based pipe insulation, to market to reduce energy losses in industrial steam systems. The product developed has become Aspen’s best selling flexible aerogel blanket insulation and has led to over 60 new jobs. Additionally, this product has delivered more than ~0.7 TBTU of domestic energy savings to date, and could produce annual energy savings of 149 TBTU by 2030. Pyrogel XT’s commercial success has been driven by it’s 2-4X better thermal performance, improved durability, greater resistance to corrosion under insulation (CUI), and faster installation times than incumbent insulation materials.

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.

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.

Labeling and advertising of home insulation. Final staff report to the Federal Trade Commission and proposed trade regulation rule (16 CFR Part 460)

Energy Technology Data Exchange (ETDEWEB)

1978-07-01

Insulation can save significant amounts of fuel and money, and has therefore captured public attention as a desirable energy conservation measure. Because insulation is a very difficult product for uninformed consumers to evaluate, there was broad support for a rule requiring the disclosure of information facilitating choices among insulation products. With the information that the Recommended Rule will require, consumers will be able to compare the thermal properties of varous types of insulation and make the best purchases for their needs. In order to provide consumers, as quickly as possible, with information aiding their purchase of this major conservation measure, and to protect consumers from the abuses that rising demand has brought, the Commission undertook this rulemaking proceeding on an expedited schedule. The Rule was proposed on November 18, 1977. The tests mandated by the Rule will provide reproducible and accurate R-values, permitting comparisons of thermal performance. As a result of the testing and required disclosures of R-values and related information, consumers should be able to make sound choices for their needs, without being uninformed or misinformed about the relative values of different types of insulation. The Recommended Rule covers the testing, advertising, and labeling of thermal insulation products. It includes organic, fibrous, cellular, and reflective insulations sold for use in homes, apartments, and other residential dwellings. Insulation sold directly to consumers for do-it-yourself installation is covered, as well as insulation installed by professionals.

Sign Up for Savings.

Science.gov (United States)

Kennedy, Mike

2002-01-01

Discusses performance service contracts between educational facilities and energy services companies, in which the company provides the money for energy-efficiency improvements and the school pays the company an annual fee. The company guarantees the savings will meet or exceed the fee. (EV)

Money creation and circulation in a credit economy

Science.gov (United States)

Xiong, Wanting; Fu, Han; Wang, Yougui

2017-01-01

This paper presents a multi-agent model describing the main mechanisms of money creation and money circulation in a credit economy. Our special attention is paid to the role of debt in the two processes. With the agent-based modeling approach, macro phenomena are well founded in micro-based causalities. A hypothetical economy composed of a banking system and multiple traders is proposed. Instead of being a pure financial intermediary, the banking system is viewed as the center of money creation and an accelerator of money circulation. Agents finance their expenditures not only by their own savings but also through bank loans. Through mathematical calculations and numerical simulation, we identify the determinants of money multiplier and those of velocity of money. In contrast to the traditional money creation model, the money multiplier is determined not only by the behavior of borrowing but also by the behavior of repayment as well. The velocity of money is found to be influenced by both money-related factors such as the expenditure habits of agents with respect to their income and wealth and debt-related factors such as borrowing and repayment behaviors of debtors and the reserve requirements faced by banks.

Energy booklet. Energy saving tips for more pocket money and environment. Booklet 2; EnergieSparFibel. EnergieSparTipps fuer mehr Taschengeld und Umwelt. Heft 2

Energy Technology Data Exchange (ETDEWEB)

NONE

2010-07-01

The effective environmental protection begins when saving. Energy which is not used at all also cannot burden the environment. Pleasant side effect: also the purse is treated gently. One of the most important measures for the reduction of energy consumption is the correct thermal insulation of a building so that heating energy cannot escape unused in the free. Thus, between 50 and 75 per cent of energy can be saved. Investments within this range usually are profitable already after a short time. The utilization of damming materials from regenerative raw materials enables application of financial incentives. In addition, within other ranges of the house modernizations and a change of the behaviour of utilization help to save energy. The contribution under consideration gives advices in order to improve dwellings energy-technically. The environment and the purse will thank it.

Excavationless Exterior Foundation Insulation Field Study

Energy Technology Data Exchange (ETDEWEB)

Schirber, T.; Mosiman, G.; Ojczyk, C.

2014-10-01

Building science research supports installing exterior (soil side) foundation insulation as the optimal method to enhance the hygrothermal performance of new homes. With exterior foundation insulation, water management strategies are maximized while insulating the basement space and ensuring a more even temperature at the foundation wall. However, such an approach can be very costly and disruptive when applied to an existing home, requiring deep excavation around the entire house. The NorthernSTAR Building America Partnership team implemented an innovative, minimally invasive foundation insulation upgrade technique on an existing home. The approach consisted of using hydrovac excavation technology combined with a liquid insulating foam. The team was able to excavate a continuous 4" wide by 4' to 5' deep trench around the entire house, 128 linear feet, except for one small part under the stoop that was obstructed with concrete debris. The combination pressure washer and vacuum extraction technology also enabled the elimination of large trenches and soil stockpiles normally produced by backhoe excavation. The resulting trench was filled with liquid insulating foam, which also served as a water-control layer of the assembly. The insulation was brought above grade using a liquid foam/rigid foam hybrid system and terminated at the top of the rim joist. Cost savings over the traditional excavation process ranged from 23% to 50%. The excavationless process could result in even greater savings since replacement of building structures, exterior features, utility meters, and landscaping would be minimal or non-existent in an excavationless process.

Excavationless Exterior Foundation Insulation Field Study

Energy Technology Data Exchange (ETDEWEB)

Schirber, T. [NorthernSTAR, Minneaplolis, MN (United States); Mosiman, G. [NorthernSTAR, Minneaplolis, MN (United States); Ojczyk, C. [NorthernSTAR, Minneaplolis, MN (United States)

2014-09-01

Building science research supports installing exterior (soil side) foundation insulation as the optimal method to enhance the hygrothermal performance of new homes. With exterior foundation insulation, water management strategies are maximized while insulating the basement space and ensuring a more even temperature at the foundation wall. However, such an approach can be very costly and disruptive when applied to an existing home, requiring deep excavation around the entire house. The NorthernSTAR Building America Partnership team implemented an innovative, minimally invasive foundation insulation upgrade technique on an existing home. The approach consisted of using hydrovac excavation technology combined with liquid insulating foam. The team was able to excavate a continuous 4 inches wide by 4 feet to 5 feet deep trench around the entire house, 128 linear feet, except for one small part under the stoop that was obstructed with concrete debris. The combination pressure washer and vacuum extraction technology also enabled the elimination of large trenches and soil stockpiles normally produced by backhoe excavation. The resulting trench was filled with liquid insulating foam, which also served as a water-control layer of the assembly. The insulation was brought above grade using a liquid foam/rigid foam hybrid system and terminated at the top of the rim joist. Cost savings over the traditional excavation process ranged from 23% to 50%. The excavationless process could result in even greater savings since replacement of building structures, exterior features, utility meters, and landscaping would be minimal or non-existent in an excavationless process.

"Money in Finance"

OpenAIRE

L. Randall Wray

2011-01-01

This paper begins by defining, and distinguishing between, money and finance, and addresses alternative ways of financing spending. We next examine the role played by financial institutions (e.g., banks) in the provision of finance. The role of government as both regulator of private institutions and provider of finance is also discussed, and related topics such as liquidity and saving are explored. We conclude with a look at some of the new innovations in finance, and at the global financial...

Main trends of energy savings in dwelling houses for Lithuanian conditions

Energy Technology Data Exchange (ETDEWEB)

Stankevicius, V.; Karbauskaite, J.; Dapkus, G. [Institute of Architecture and construction (Lithuania)

1995-12-31

Incentive measures for efficient consumption of energy in buildings in Lithuania, were presented. Statistics have shown that the average annual building heat losses are 350 kW/sq.m of heated area. It was estimated, that if every building was insulated according to the requirements of the Lithuanian National Building Code, the annual energy savings would be in the order of 50 to 60 percent. Essential energy saving measures with due regard to Lithuania`s current financial and technical resources were detailed. It was suggested that installing energy efficient windows would be the cheapest and most effective measure to begin energy conservation. The addition of effective insulation of external walls would be a favoured but more costly measure, especially as far as insulating existing houses is concerned. The pay-back period of adding extra insulation was also described, although this option is not of the highest priority. It was suggested that a system of special incentives, if offered by the Lithuanian government, could prove to be powerful motivators to carry out these energy saving measures. 2 tabs., 1 fig.

Finally clarity when energy saving; Endlich Klarheit beim Energiesparen

Energy Technology Data Exchange (ETDEWEB)

Anon.

2012-07-01

How much money do users in mechanical engineering and plant construction save in the implementation of energy efficiency measures? What actions bring which savings? Festo AG and Co. KG (Esslingen, Federal Republic of Germany) provides answers to these questions in terms of the pneumatic control system.

[THE FAILURE MODES AND EFFECTS ANALYSIS FACILITATES A SAFE, TIME AND MONEY SAVING OPEN ACCESS COLONOSCOPY SERVICE].

Science.gov (United States)

Gingold-Belfer, Rachel; Niv, Yaron; Horev, Nehama; Gross, Shuli; Sahar, Nadav; Dickman, Ram

2017-04-01

Failure modes and effects analysis (FMEA) is used for the identification of potential risks in health care processes. We used a specific FMEA - based form for direct referral for colonoscopy and assessed it for procedurerelated perforations. Ten experts in endoscopy evaluated and computed the entire referral process, modes of preparation for the endoscopic procedure, the endoscopic procedure itself and the discharge process. We used FMEA assessing for likelihood of occurrence, detection and severity and calculated the risk profile number (RPN) for each of the above points. According to the highest RPN results we designed a specific open access referral form and then compared the occurrence of colonic perforations (between 2010 and 2013) in patients who were referred through the open access arm (Group 1) to those who had a prior clinical consultation (non-open access, Group 2). Our experts in endoscopy (5 physicians and 5 nurses) identified 3 categories of failure modes that, on average, reached the highest RPNs. We identified 9,558 colonoscopies in group 1, and 12,567 in group 2. Perforations were identified in three patients from the open access group (1:3186, 0.03%) and in 10 from group 2 (1:1256, 0.07%) (p = 0.024). Direct referral for colonoscopy saved 9,558 pre-procedure consultations and the sum of $850,000. The FMEA tool-based specific referral form facilitates a safe, time and money saving open access colonoscopy service. Our form may be adopted by other gastroenterological clinics in Israel.

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 ...

12 CFR 362.11 - Activities of insured State savings associations.

Science.gov (United States)

2010-01-01

... money market preferred stock. (A) An insured state savings association's investment of up to 15 percent of the association's tier one capital in adjustable rate preferred stock or money market (auction... significant risk to the Deposit Insurance Fund. Such instruments shall be included in the 15 percent of tier...

Monetary policy and the transaction role of money in the United States

NARCIS (Netherlands)

Kriwoluzky, A.; Stoltenberg, C.A.

2012-01-01

We argue that the declining importance of money in saving transaction costs can explain the well-known fact that U.S. interest rate policy was passive in the pre-Volcker period and active after 1982. To identify the declining role of money in transactions as the driving force for the change in

Pennies from heaven? Conceptions and earmarking of lottery prize money.

Science.gov (United States)

Hedenus, Anna

2014-06-01

The source of money has been shown to be important for how money is spent. In addition, sudden wealth is often associated with social and psychological risks. This article investigates if conceptions of lottery prize money--as a special kind of money--imply restrictions on how it can be spent. Analysis of interviews with lottery winners shows that interviewees use earmarking of the prize money as a strategy for avoiding the pitfalls associated with a lottery win. Conceptions of lottery prize money as 'a lot' or as 'a little', as shared or personal, and as an opportunity or a risk, influences the ends for which it is earmarked: for self-serving spending, a 'normal' living standard, paying off loans, saving for designated purposes, or for economic security and independence. Clearly defining and earmarking lottery prize money thus helps lottery winners construe their sudden wealth, not as a risk, but as 'pennies from heaven.' © London School of Economics and Political Science 2014.

Analysis of Why the Renal Dialysis Unit is Losing Money

National Research Council Canada - National Science Library

Moore, Leslie

1997-01-01

.... Despite efforts to remain competitive by procuring "state of the art" equipment intended to decrease treatment times and result in cost savings, the renal dialysis product line was losing money...

Your Savings and Investment Dollar. Money Management. Revised.

Science.gov (United States)

Baran, Nancy H., Ed.

This booklet, written with the beginning investor in mind, will help readers set clear-cut financial goals and develop a savings and investment program for achieving them. It is suitable for personal use by adults or for classroom use in junior high through adult consumer education classes. The booklet provides information on a variety of savings…

Foam insulated transfer line test report

International Nuclear Information System (INIS)

Squier, D.M.

1994-06-01

Miles of underground insulated piping will be installed at the Hanford site to transfer liquid waste. Significant cost savings may be realized by using pre-fabricated polyurethane foam insulated piping. Measurements were made on sections of insulated pipe to determine the insulation's resistance to axial expansion of the pipe, the force required to compress the foam in the leg of an expansion loop and the time required for heat up and cool down of a buried piping loop. These measurements demonstrated that the peak axial force increases with the amount of adhesion between the encasement pipe and the insulation. The compressive strength of the foam is too great to accommodate the thermal growth of long straight pipe sections into the expansion loops. Mathematical models of the piping system's thermal behavior can be refined by data from the heated piping loop

Trombe walls with nanoporous aerogel insulation applied to UK housing refurbishments

Directory of Open Access Journals (Sweden)

Mark Dowson

2014-10-01

Full Text Available There is an opportunity to improve the efficiency of passive Trombe walls and active solar air collectors by replacing their conventional glass covers with lightweight polycarbonate panels filled with nanoporous aerogel insulation. This study investigates the thermal performance, energy savings, and financial payback period of passive Aerogel Trombe walls applied to the existing UK housing stock. Using parametric modeling, a series of design guidance tables have been generated, providing estimates of the energy savings and overheating risk associated with applying areas of Trombe wall to four different house types across the UK built to six notional construction standards. Calculated energy savings range from 183 kWh/m2/year for an 8 m2 system retrofitted to a solid walled detached house to 62 kWh/m2/year for a 32 m2 system retrofitted to a super insulated flat. Predicted energy savings from Trombe walls up to 24 m2 are found to exceed the energy savings from external insulation across all house types and constructions. Small areas of Trombe wall can provide a useful energy contribution without creating a significant overheating risk. If larger areas are to be installed, then detailed calculations would be recommended to assess and mitigate potential overheating issues.

Internal Insulation of Masonry Walls with Wooden Floor Beams in Northern Humid Climate

DEFF Research Database (Denmark)

Morelli, Martin; Scheffler, Gregor Albrecht; Nielsen, Toke Rammer

2010-01-01

Multi-story buildings in Denmark from 1850–1950 are built with masonry walls and wooden floor beams. Large energy savings can be achieved by insulating the facades. Often interior insulation is the only possibility in order to keep the appearance of the external facade. The internal insulation...... reduces the drying potential of the wall, which might lead to moisture problems in the beam ends embedded in the masonry due to absorption of driving rain. This paper describes a solution to avoid the moisture problems and still achieve large energy savings. The thermal analyses are made in thermal...

A New Generation of Building Insulation by Foaming Polymer Blend Materials with CO₂

Energy Technology Data Exchange (ETDEWEB)

Yang, Arthur [Industrial Science & Technology Network, Inc., Lancaster, PA (United States); Domszy, Roman [Industrial Science & Technology Network, Inc., Lancaster, PA (United States); Yang, Jeff [Industrial Science & Technology Network, Inc., Lancaster, PA (United States)

2016-03-30

Advanced thermal insulation is among the most effective technologies in transforming our nation’s energy system and contributing to DOE’s stated goal of 50% less building energy consumption by 2030. The installation of an advanced thermal insulation would prevent energy waste without the need for any maintenance, and ISTN conservatively estimates that the commercialization of such a new technology would contribute to annual U.S. energy savings of 0.361 Quads and $8 billion in annual economic savings. The key challenge to improving building insulation is to maintain and surpass the industry standard of R-5 per inch insulation value in a cost-competitive manner. Improvements in R-value without cost-efficiency are not likely to impact the market given the cost-sensitive nature of the construction industry (insulation is already the lowest-cost component of the building envelope). However, significantly higher insulating value at competitive costs is extremely appealing to the market given the greater potential to save on energy consumption and costs over the long-term. Thus, our goal is to develop a super-thermal insulation with 50% greater insulation value (R-9 to R-10 per inch) and manufacturing costs that are equal on a per-R-value basis (< $0.70/ft²).

A REALLY WHEEZY WAY TO SAVE MONEY.

Science.gov (United States)

Li, Grace; Almossawi, Ofran; Dulfeker, Hasna; Jones, Vicky; Taylor, Felicity

2016-09-01

to £2.48 for the equivalent dose of non-soluble prednisolone dispensed with a tablet crusher. Several hospital trusts have switched to using non-soluble prednisolone in order to achieve cost savings, but there have been anecdotal reports of poor palatability, raising concerns about compliance with taking medication once discharged.The switch from a soluble to a non-soluble formulation of prednisolone represents an annual saving of more than £44,000 for this hospital alone and, at scale, could realise substantial potential savings to the NHS, without compromising patients' clinical care. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://www.bmj.com/company/products-services/rights-and-licensing/

Differential time preferences for money and quality of life

NARCIS (Netherlands)

Parouty, M. B. Y.; Le, Hoa; Krooshof, D.; Postma, M. J.

Background This study provides an empirical investigation into differential time preferences between money and quality of life. Thus far, time preference investigations in health have mostly involved life-years gained and lives saved. However, the quality-adjusted life-year, which is recommended by

Energy Extra: Energy Savings vs. Comfort - and the Effect of Humidity.

Science.gov (United States)

CEFP Journal, 1979

1979-01-01

Proper humidity will, in a large number of cases, save money for the user. This saving could show up directly because of reduced infiltration and lower thermostat settings. It could show up indirectly in reduced costs for maintenance and preservation and in increased productivity and decreased absenteeism. (Author)

A note on macro-financial implications of mobile money schemes

OpenAIRE

Mas, Ignacio; Klein, Michael

2012-01-01

Across the world mobile money schemes are being launched. In such schemes financial service providers interact with clients via mobile phones or other mobile devices such as tablets. Service offerings include payments and saving as well as basic insurance products and sometimes credit based on scoring methods that use information about the client’s payment history. The world of mobile money is still in the experimental stage. Some schemes like M-PESA in Kenya have, at least initially, been ru...

Nuclear recycling: costs, savings, and safeguards

International Nuclear Information System (INIS)

Spinrad, B.I.

1985-01-01

This chapter discusses the economics, physical and chemical processes, and safety of nuclear fuel recycling. The spent fuel must be chemically reprocessed in order to recover uranium and plutonium. Topics considered include indifference costs, recycling in light water reactors (LWRs), plutonium in fast reactors, the choice between recycling and storage, safeguards, and weapons proliferation. It is shown that the economics of recycling nuclear fuel involves the actual costs and savings of the recycling operation in terms of money spent, made, and saved, and the impact of the recycling on the future cost of uranium

Economic evaluation of energy saving measures in a common type of Greek building

International Nuclear Information System (INIS)

Nikolaidis, Yiannis; Pilavachi, Petros A.; Chletsis, Alexandros

2009-01-01

This paper deals with the economic analysis and evaluation of various energy saving measures in the building sector, focusing on a domestic detached house in Greece, i.e. in a typical Mediterranean climate. In order to detect the energy saving measures that, in addition to energy benefits, can also provide economic profits, the study examines the following measures: all kinds of insulation; upgrading of the heating system; use of thermal solar systems; upgrading of lighting; upgrading of electric appliances; upgrading of the cooling system. The economic evaluation methods used for ranking the energy saving measures are the Net Present Value, the Internal Rate of Return, the Savings to Investment Ratio and the Depreciated Payback Period. It has been found that amongst the most effective energy saving methods are the upgrading of lighting, the insulation of the roof of the building and the installation of an automatic temperature control system.

Insulating modernism isolated and non-isolated thermodynamics in architecture

CERN Document Server

Moe, Kiel

2014-01-01

What is the best way to achieve sustainable energy savings in buildings? The mainstream construction industry has been saying for decades: it's insulation. Today there is a growing movement among architects who claim that, by contrast, it isintelligent design thatprovides the best energetic results. This book describes the history, theory and facts of the mainstream insulation technology and the emerging alternative design approaches.

You Owe It to Yourself: Boosting Retirement Saving with a Responsibility-Based Appeal

Science.gov (United States)

Bryan, Christopher J.; Hershfield, Hal E.

2012-01-01

Americans are not saving enough for retirement. Previous research suggests that this is due, in part, to people's tendency to think of the future self as more like another person than like the present self, making saving feel like giving money away rather than like investing in oneself. Using objective employer saving data, a field experiment…

Inbound freight: an untapped resource for saving money.

Science.gov (United States)

Kuehn, Kurt

2007-12-01

With all the responsibilities placed on materials managers, it is not surprising that some processes such as shipping are overlooked when it comes to cutting costs. But by taking a closer look at inbound freight costs, materials managers might discover an untapped resource for saving thousands, and in some cases millions, of dollars. Finding out how costs vary among vendors for shipping the same type of item can eliminate unnecessary freight charges. Initially, the process takes time, but the bottom line will be better for it.

31 CFR 351.60 - How are book-entry Series EE savings bonds purchased and held?

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false How are book-entry Series EE savings... OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Book-Entry Series EE Savings Bonds § 351.60 How are book-entry Series EE savings bonds purchased and held? Book-entry bonds must be purchased and held online...

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)

A properly adjusted forage harvester can save time and money

Science.gov (United States)

A properly adjusted forage harvester can save fuel and increase the realizable milk per ton of your silage. This article details the adjustments necessary to minimize energy while maximizing productivity and forage quality....

31 CFR 351.66 - What book-entry Series EE savings bonds are included in the computation?

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false What book-entry Series EE savings... DEBT OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Book-Entry Series EE Savings Bonds § 351.66 What book-entry Series EE savings bonds are included in the computation? (a) We include all bonds that...

Money Supply as the Target of the Central Bank

Directory of Open Access Journals (Sweden)

Jędruchniewicz Andrzej

2014-06-01

Full Text Available The main purpose of the article is a critical analysis of the monetary policy strategy that is based on the adoption of money supply as an intermediate target. The analysis is conducted from the perspective of the theory of the Austrian school. The first part of the article presents an influence of the supply of money on changes of categories in economy according to mainstream theories of economics. The second part discusses the essence of the strategy of monetary policy using money supply as an intermediate target from the point of view of the main trend in economics. It is demonstrated that in order to use it, two elementary conditions must be met: the function of demand for money must be at least relatively stable and the central bank must practically shape changes in the money supply at the planned level. The third part is of key importance for the purpose of this article. It involves the criticism of Friedman’s principle, i.e. a constant increase in money supply as a monetary strategy. According to the Austrian theory, an increase in the quantity of money which is not financed by voluntary savings separates the time structure of production and consumption. Thus, after the period of prosperity there a collapse in production must take place. It is also pointed out that the crisis can be postponed only when the quantity of money increases at an ever faster rate.

Rigorous Results for the Distribution of Money on Connected Graphs

Science.gov (United States)

Lanchier, Nicolas; Reed, Stephanie

2018-05-01

This paper is concerned with general spatially explicit versions of three stochastic models for the dynamics of money that have been introduced and studied numerically by statistical physicists: the uniform reshuffling model, the immediate exchange model and the model with saving propensity. All three models consist of systems of economical agents that consecutively engage in pairwise monetary transactions. Computer simulations performed in the physics literature suggest that, when the number of agents and the average amount of money per agent are large, the limiting distribution of money as time goes to infinity approaches the exponential distribution for the first model, the gamma distribution with shape parameter two for the second model and a distribution similar but not exactly equal to a gamma distribution whose shape parameter depends on the saving propensity for the third model. The main objective of this paper is to give rigorous proofs of these conjectures and also extend these conjectures to generalizations of the first two models and a variant of the third model that include local rather than global interactions, i.e., instead of choosing the two interacting agents uniformly at random from the system, the agents are located on the vertex set of a general connected graph and can only interact with their neighbors.

31 CFR 351.13 - What do I need to know about the savings bond rate to understand redemption value calculations in...

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false What do I need to know about the savings bond rate to understand redemption value calculations in this subpart? 351.13 Section 351.13 Money... What do I need to know about the savings bond rate to understand redemption value calculations in this...

Composite bulk Heat Insulation Made of loose Mineral and Organic Aggregate

Directory of Open Access Journals (Sweden)

Namsone Eva

2015-12-01

Full Text Available The task of building energy-efficiency is getting more important. Every house owner wishes to save up exploitation costs of heating, cooling, hot water production, ventilation, etc. and find cost-effective investments. One of the ways to reduce greenhouse gas emissions (GHGE is to minimize the heat transfer through the building by insulating it. Loose heat insulation is a good alternative to traditional board insulation, it is simple in use and cost-effective. Main drawback of this insulation is tendency to compact during exploitation. In the frame of this research composite loose heat insulation is elaborated, consisting on porous mineral foamed glass aggregate and local organic fiber materials (hemp and flaxen shives. Composite bulk insulation is an alternative solution which combines heat insulating properties and mechanical stability.

Finding Savings in Community Use of Schools

Science.gov (United States)

Gandy, Julia

2013-01-01

This article reports on the growing challenge of managing community groups using educational facilities for meetings, athletics, and special events. It describes how, by using an online scheduling software program, one school district was able to track payments and save time and money with its event and facility scheduling process.

Debate: Money, Money, Money

Directory of Open Access Journals (Sweden)

Nina Ilona Ellinger

2014-09-01

Full Text Available The question: ‘What would be the best way to use ten million dollars?’ leads to many other questions when related to anti-trafficking work. What should the money be spent on? Who should be appointed to spend the money? And, perhaps most importantly, who should be the beneficiaries? In other words, are the ten million dollars to prevent trafficking of people meant for activities to stop smuggling of people, to stop unwanted migrants, or to protect and uphold people’s rights when they move across borders and need to be protected from trafficking? Would the money be best spent on anti-trafficking work, or would it be better spent on strengthening the rights of all migrants to minimise the risk of trafficking?

Endogenous Money Supply and Money Demand

OpenAIRE

Woon Gyu Choi; Seonghwan Oh

2000-01-01

This paper explores the behavior of money demand by explicitly accounting for the money supply endogeneity arising from endogenous monetary policy and financial innovations. Our theoretical analysis indicates that money supply factors matter in the money demand function when the money supply partially responds to money demand. Our empirical results with U.S. data provide strong evidence for the relevance of the policy stance to the demand for MI under a regime in which monetary policy is subs...

31 CFR 351.69 - When is a book-entry Series EE savings bond validly issued?

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false When is a book-entry Series EE... OFFERING OF UNITED STATES SAVINGS BONDS, SERIES EE Book-Entry Series EE Savings Bonds § 351.69 When is a book-entry Series EE savings bond validly issued? A book-entry bond is validly issued when it is posted...

Cost savings through innovative technologies

International Nuclear Information System (INIS)

Lankford, J.M.; Jackson, J.P.

1995-01-01

Newly developed technologies can and already are saving money. Other technologies under development will provide solutions to problems which are currently impossible or too expensive to address, and still others will offer alternative strategies where baseline approaches are not acceptable to the public. All of these options will be considered as the nation decides what it wishes to accomplish, and fund, to clean up the nuclear weapons complex

CHP systems to save money and cut carbon.

Science.gov (United States)

Hopkins, Ian

2014-10-01

According to Ian Hopkins, a director of ENER-G Combined Power--which has delivered more than 50 CHP-led energy services contracts within the healthcare sector, having, for the past 30 years, designed and manufactured CHP systems at its global headquarters and R&D centre in Salford--'the energy cost and carbon-saving benefits of combined heat and power are difficult to match where there is a large heating/cooling demand over extended periods'. In this article, he explains how hospitals and other busy healthcare facilities thus 'make ideal bedfellows' for CHP, and outlines the key criteria and considerations, such as sizing, for healthcare engineers, when looking to specify such a system.

Saving millions by thermal insulation; Miljoenen besparen door goede isolatie

Energy Technology Data Exchange (ETDEWEB)

Van der Velden, U. [Nederlands Centrum voor Technische Isolatie NCTI, spijkenisse (Netherlands)

2009-07-15

Corrosion under insulation (CUI) can be reduced by the application of a correctly designed, installed and maintained insulation system. In refrigeration plants a heat flow will occur from the warm outside towards the cold inside. Hot air, containing more moisture, will be distributed to the cold components of the installation, such as separators, intermediate coolers, piping and valves, thus not only facilitating CUI, but also seriously compromising the thermal performance of the system. Furthermore, this moisture could condensate or freeze and compromise the integrity of the installation. Insulation in cold systems is built up with closed cell materials, such as elastomeric foam, PIR (polyisocyanurate) or cellular glass. On the outside a vapor barrier (e.g. reinforced aluminium foil) is essential to prevent hot moist air from penetrating the system. For protection against weather influences and/or mechanical damage, the system should be finished with a (non)metal cladding. [Dutch] Corrosie onder isolatie (CUI) kan worden beperkt door toepassing van een correct ontworpen, geinstalleerd en onderhouden isolatiesysteem. Bij koude-isolatiesystemen treedt een warmtestroom van buiten naar binnen op. Warme lucht - die meer vocht bevat - dringt naar installatiecomponenten, zoals afscheiders, tussenkoelers, leidingen en afstuiters, waarbij niet alleen het risico op CUI aanzienlijk toeneemt, maar ook de isolatiewaarde van het systeem gereduceerd wordt. Vocht kan hierbij ook nog condenseren of bevriezen en de integriteit van de hele installatie in gevaar brengen. Koude-isolatiesystemen dienen te worden opgebouwd met gesloten cel-materiaal, zoals elastomeer schuim, PIR (polyisocyanurate) of cellulair glas. Het systeem dient aan de buitenzijde te worden voorzien van een dampremmende laag (van bijvoorbeeld versterkt aluminiumfolie) om binnendringend vocht te blokkeren. In buitencondities moet het systeem worden voorzien van een (metalen of niet-metalen) eindafwerking, die

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

Study on Automatic Solar Heat Insulated and Cooling Device of Car

Directory of Open Access Journals (Sweden)

Chen Gui-Yue

2017-01-01

Full Text Available In view of the common device for heat insulated and cooling of car, an improved new scheme which drove by solar energy is put forward. In this study, the transmission device are arranged inside the automobile, the thin-film solar is composited into the heat insulated and cooling material. Thus, the whole device can be driven by the energy from the photovoltaic conversion, which is clear and zero-pollution. The theoretical energy consumptions and preventable gas emissions are calculated to verify the environmental savings of the device. The results show that it has promising application prospect since it is not only environmentally friendly but also save and convenient as compared to the conventional device.

31 CFR 363.176 - May a converted savings bond be pledged or used as collateral?

Science.gov (United States)

2010-07-01

... pledged or used as collateral? 363.176 Section 363.176 Money and Finance: Treasury Regulations Relating to... a converted savings bond be pledged or used as collateral? A converted savings bond may not be pledged or used as collateral for the performance of an obligation. ...

Saving Energy and Money: A Lesson in Computer Power Management

Science.gov (United States)

Lazaros, Edward J.; Hua, David

2012-01-01

In this activity, students will develop an understanding of the economic impact of technology by estimating the cost savings of power management strategies in the classroom. Students will learn how to adjust computer display settings to influence the impact that the computer has on the financial burden to the school. They will use mathematics to…

Keynes's Lost Distinction Between Industrial and Financial Circulation of Money

DEFF Research Database (Denmark)

Jespersen, Jesper

2010-01-01

Although financial circulation is an important part of banks' balance sheets in the form of savings deposits, this is hardly discussed in monetary circuit theory. In this paper, we argue that monetary circuit theory would be more coherent if it were expanded to incorporate some aspects of Keynes...... in his Treatise on Money....

Monetary policy and the causality between inflation and money supply in Indonesia

Directory of Open Access Journals (Sweden)

Gatot Sasongko

2018-05-01

Full Text Available Conceptually and empirically, inflation volatility in Indonesia is a monetary and fiscal phenomenon. This study focuses on the macroeconomic policy and public policy especially causality between two variables namely inflation and money supply in Indonesia. This study uses Indonesian macroeconomic data of inflation and money supply from the Bank of Indonesia publication during 2007.1–2017.7. Inflation is measured by the consumer price index, reflects the annual percentage change in costs of acquiring a basket of goods and services to the average consumers that may change at specified intervals. Meanwhile, money supply is measured by the currency, demand deposits, time deposits, and saving deposits. Methodically, this study uses the Granger Causality model to determine the causality between inflation and money supply. The results show that there is a one-way causality between inflation and money supply in Indonesia. These findings imply that money supply causes inflation, but not vice versa. This condition implies that the role of Indonesian Government and Bank of Indonesia were very crucial in managing and controlling macroeconomic policy and public policy. Then, analysis of money supply and inflation also related to impacting factors such as money laundering, role of banks, taxation, tax evasion, and corruption.

Investigation of interior post-insulated masonry walls with wooden beam ends

DEFF Research Database (Denmark)

Morelli, Martin; Svendsen, Svend

2013-01-01

The preponderant number of multistorey buildings constructed in Denmark in the period between 1850 and 1930 were built with masonry walls incorporating wooden floor beams. Given the nature of this construction, it is supposed that significant energy savings could be achieved by simply insulating...... the facades of such buildings. To maintain the exterior appearance of the facade, the only possible means of installing the required insulation is placing it on the interior of the wall. However, the installation of insulation on the interior of the wall assembly reduces the overall drying potential...

Teaching Time Value of Money Using an Excel Retirement Model

Science.gov (United States)

Arellano, Fernando; Mulig, Liz; Rhame, Susan

2012-01-01

The time value of money (TVM) is required knowledge for all business students. It is traditionally taught in finance and accounting classes for use in various applications in the business curriculum. These concepts are also very useful in real life situations such as calculating the amount to save for retirement. This paper details a retirement…

31 CFR 359.9 - When are interest rates for Series I savings bonds announced?

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false When are interest rates for Series I... UNITED STATES SAVINGS BONDS, SERIES I General Information § 359.9 When are interest rates for Series I savings bonds announced? (a) The Secretary will furnish fixed rates, semiannual inflation rates, and...

Use of passive solar architecture design in energy saving, Morena tourist village

Energy Technology Data Exchange (ETDEWEB)

Mina, M.B.

1993-12-31

This document deals with energy saving in buildings,more precisely in the Morena tourist village. The concept of passive solar technology is developed in villas. The first prototype enabled to have measurements of temperatures and thermal graphs. A comparison between the initial architectural design and this prototype shows the efficiency of the use of passive solar energy (energy and money saving). (TEC). 5 figs., 1 tab.

Use of passive solar architecture design in energy saving, Morena tourist village

Energy Technology Data Exchange (ETDEWEB)

Mina, M B

1994-12-31

This document deals with energy saving in buildings,more precisely in the Morena tourist village. The concept of passive solar technology is developed in villas. The first prototype enabled to have measurements of temperatures and thermal graphs. A comparison between the initial architectural design and this prototype shows the efficiency of the use of passive solar energy (energy and money saving). (TEC). 5 figs., 1 tab.

Delaware's Wellness Program: Motivating Employees Improves Health and Saves Money.

Science.gov (United States)

Davis, Jennifer J J

2008-09-01

Every year, employers around the country evaluate their company benefits package in the hopes of finding a solution to the ever-rising cost of health insurance premiums. For many business executives, the only logical choice is to pass along those costs to the employee. As an employer, our goal in Delaware has always been to come up with innovative solutions to drive down the cost of health insurance premiums while encouraging our employees to take responsibility for their own health and wellness by living a healthy and active lifestyle, and provide them with the necessary tools. The DelaWELL program (N = 68,000) was launched in 2007, after being tested in initial (N = 100) and expanded (N = 1500) pilot programs from 2004 to 2006 in which 3 similar groups were compared before and after the pilot. Employee health risk assessment, education, and incentives provided employees the necessary tools we had assumed would help them make healthier lifestyle choices. In the first pilot, fewer emergency department visits and lower blood pressure levels resulted in direct savings of more than $62,000. In the expanded pilot, in all 3 groups blood pressure was significantly reduced (P employees participating in DelaWELL had a combined weight loss of 5162 lb. Decision makers in the State of Delaware have come up with an innovative solution to controlling costs while offering employees an attractive benefits package. The savings from its employee benefit program have allowed the state to pass along the savings to employees by maintaining employee-paid health insurance contributions at the same level for the past 3 years. DelaWELL has already confirmed our motto, "Although it may seem an unusual business investment to pay for healthcare before the need arises, in Delaware we concluded that this makes perfect sense." This promising approach to improving health and reducing healthcare costs could potentially be applied to other employer groups.

Delaware's Wellness Program: Motivating Employees Improves Health and Saves Money

Science.gov (United States)

Davis, Jennifer “J. J.”

2008-01-01

Background Every year, employers around the country evaluate their company benefits package in the hopes of finding a solution to the ever-rising cost of health insurance premiums. For many business executives, the only logical choice is to pass along those costs to the employee. Objectives As an employer, our goal in Delaware has always been to come up with innovative solutions to drive down the cost of health insurance premiums while encouraging our employees to take responsibility for their own health and wellness by living a healthy and active lifestyle, and provide them with the necessary tools. Methods The DelaWELL program (N = 68,000) was launched in 2007, after being tested in initial (N = 100) and expanded (N = 1500) pilot programs from 2004 to 2006 in which 3 similar groups were compared before and after the pilot. Employee health risk assessment, education, and incentives provided employees the necessary tools we had assumed would help them make healthier lifestyle choices. Results In the first pilot, fewer emergency department visits and lower blood pressure levels resulted in direct savings of more than $62,000. In the expanded pilot, in all 3 groups blood pressure was significantly reduced (P employees participating in DelaWELL had a combined weight loss of 5162 lb. Conclusions Decision makers in the State of Delaware have come up with an innovative solution to controlling costs while offering employees an attractive benefits package. The savings from its employee benefit program have allowed the state to pass along the savings to employees by maintaining employee-paid health insurance contributions at the same level for the past 3 years. DelaWELL has already confirmed our motto, “Although it may seem an unusual business investment to pay for healthcare before the need arises, in Delaware we concluded that this makes perfect sense.” This promising approach to improving health and reducing healthcare costs could potentially be applied to other

Parametric Investigation of Optimum Thermal Insulation Thickness for External Walls

Directory of Open Access Journals (Sweden)

Omer Kaynakli

2011-06-01

Full Text Available Numerous studies have estimated the optimum thickness of thermal insulation materials used in building walls for different climate conditions. The economic parameters (inflation rate, discount rate, lifetime and energy costs, the heating/cooling loads of the building, the wall structure and the properties of the insulation material all affect the optimum insulation thickness. This study focused on the investigation of these parameters that affect the optimum thermal insulation thickness for building walls. To determine the optimum thickness and payback period, an economic model based on life-cycle cost analysis was used. As a result, the optimum thermal insulation thickness increased with increasing the heating and cooling energy requirements, the lifetime of the building, the inflation rate, energy costs and thermal conductivity of insulation. However, the thickness decreased with increasing the discount rate, the insulation material cost, the total wall resistance, the coefficient of performance (COP of the cooling system and the solar radiation incident on a wall. In addition, the effects of these parameters on the total life-cycle cost, payback periods and energy savings were also investigated.

Energy efficiency. Care with power. Protecting the environment actively; E wie Energieeffizienz. Mit Strom bewusst umgehen. Die Umwelt aktiv schuetzen

Energy Technology Data Exchange (ETDEWEB)

NONE

2008-01-15

This manual gives practical advice and informs about legal regulations, financial incentives and low-cost energy conservation techniques, assembled by power suppliers. Everybody is able to save energy in his own household and utilize it meaningfully without emissions: One buys energy saving appliances, heats carefully his rooms, houses and flats are insulated according to EnEV (German energy saving ordinance). Furtheron advices are given for ovens, refrigerators etc. not only to utilize power carefully as also to save money and to protect simultaneously the environment. (GL)

PERLINDUNGAN HUKUM TERHADAP PEMEGANG KARTU E-MONEY SEBAGAI ALAT PEMBAYARAN DALAM TRANSAKSI KOMERSIAL

Directory of Open Access Journals (Sweden)

Ni Nyoman Anita Candrawati

2014-03-01

Full Text Available One means of electronic or non-cash payments are by using electronic money card (e-money. Value of money is stored electronically and issued on the basis of the value of money paid to the holders of the provider. The money is used as a means of payment, but not the deposit as stipulated in the Banking Law, so it is not guaranteed by Saving Guarantee Institution (LPS.   There are two issues that were examined in this study, namely: the arrangements for electronic money card holders in e-money transactions and legal protection for the cardholder to perform e-money transactions. The research is a normative legal research using law and conceptual approach. Based on the results of studies conducted on the issue, the legal regulation of the form of electronic    money    stipulated    in    Bank    Indonesia    Regulation    Number 11/12/PBI/2009   on   Electronic   Money,   and   through   standard   agreements governed by the provider, such as terms and conditions of the card holder. Legal protection for the cardholder is required to ensure the equality of the provider and the card holder, including legal protection against the misuse of e-money card that can be detrimental to the holder, through preventive and repressive legal protection.

Normal Condition on Transport Thermal Analysis and Testing of a Type B Drum Package

International Nuclear Information System (INIS)

Jerrell, J.W.; van Alstine, M.N.; Gromada, R.J.

1995-01-01

Increasing the content limits of radioactive material packagings can save money and increase transportation safety by decreasing the total number of shipments required to transport large quantities of material. The contents of drum packages can be limited by unacceptable containment vessel pressures and temperatures due to the thermal properties of the insulation. The purpose of this work is to understand and predict the effects of insulation properties on containment system performance

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.

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.

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)

Energy savings in Polish buildings

Energy Technology Data Exchange (ETDEWEB)

Markel, L.C.; Gula, A.; Reeves, G.

1995-12-31

A demonstration of low-cost insulation and weatherization techniques was a part of phase 1 of the Krakow Clean Fossil Fuels and Energy Efficient Project. The objectives were to identify a cost-effective set of measures to reduce energy used for space heating, determine how much energy could be saved, and foster widespread implementation of those measures. The demonstration project focused on 4 11-story buildings in a Krakow housing cooperative. Energy savings of over 20% were obtained. Most important, the procedures and materials implemented in the demonstration project have been adapted to Polish conditions and applied to other housing cooperatives, schools, and hospitals. Additional projects are being planned, in Krakow and other cities, under the direction of FEWE-Krakow, the Polish Energie Cities Network, and Biuro Rozwoju Krakowa.

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...

Compressive behavior of energy-saving fired facing brick composite wall

Science.gov (United States)

Guo, Kai; Wu, Cai

2018-03-01

The energy-saving fired facing brick composite wall has a broad development prospects due to its merits of thermal insulation, energy conservation, beautiful, and natural. The construction and characteristics of this wall are introduced and analyzed in this paper. Experimental studies of samples are also conducted to investigate its compressive performance. The results show that the energy-saving fired facing brick composite wall has high compressive capacity. It has considerable application prospect, the study in this paper provides foundation to further studies.

[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.

Practical and money-saving use of the sawdust stove in Ghana ...

African Journals Online (AJOL)

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. Alternatively, you can download the PDF file directly to your computer, from where it can be opened using a PDF reader. To download the PDF, click the Download link ...

A Literature Review of Sealed and Insulated Attics—Thermal, Moisture and Energy Performance

Energy Technology Data Exchange (ETDEWEB)

Less, Brennan [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Walker, Iain [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Levinson, Ronnen [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States)

2016-08-01

In this literature review and analysis, we focus on the thermal, moisture and energy performance of sealed and insulated attics in California climates. Thermal. Sealed and insulated attics are expected to maintain attic air temperatures that are similar to those in the house within +/- 10°F. Thermal stress on the assembly, namely high shingle and sheathing temperatures, are of minimal concern. In the past, many sealed and insulated attics were constructed with insufficient insulation levels (~R-20) and with too much air leakage to outside, leading to poor thermal performance. To ensure high performance, sealed and insulated attics in new California homes should be insulated at levels at least equivalent to the flat ceiling requirements in the code, and attic envelopes and ducts should be airtight. We expect that duct systems in well-constructed sealed and insulated attics should have less than 2% HVAC system leakage to outside. Moisture. Moisture risk in sealed and insulated California attics will increase with colder climate regions and more humid outside air in marine zones. Risk is considered low in the hot-dry, highly populated regions of the state, where most new home construction occurs. Indoor humidity levels should be controlled by following code requirements for continuous whole-house ventilation and local exhaust. Pending development of further guidance, we recommend that the air impermeable insulation requirements of the International Residential Code (2012) be used, as they vary with IECC climate region and roof finish. Energy. Sealed and insulated attics provide energy benefits only if HVAC equipment is located in the attic volume, and the benefits depend strongly on the insulation and airtightness of the attic and ducts. Existing homes with leaky, uninsulated ducts in the attic should have major savings. When compared with modern, airtight duct systems in a vented attic, sealed and insulated attics in California may still provide substantial benefit

Save water, save money

Science.gov (United States)

,; Fairfax County, VA

1977-01-01

The United States uses huge quantities of water. In 1976, for example, it was estimated that for each person in the U.S., about 2,000 gallons of water were used daily in homes, offices, farms, and factories. This means that roughly 420 billion gallons of water were pumped, piped, or diverted each day—about 15 percent more than in 1970. By the year 2000, our daily water needs will probably exceed 800 billion gallons.

Impact of moisture content in AAC on its heat insulation properties

Science.gov (United States)

Rubene, S.; Vilnitis, M.

2017-10-01

One of the most popular trends in construction industry is sustainable construction. Therefore, application of construction materials with high insulation characteristics has significantly increased during the past decade. Requirements for application of construction materials with high insulation parameters are required not only by means of energy saving and idea of sustainable construction but also by legislative requirements. Autoclaved aerated concrete (AAC) is a load bearing construction material, which has high heat insulation parameters. However, if the AAC masonry construction has high moisture content the heat insulation properties of the material decrease significantly. This fact lead to the necessity for the on-site control of moisture content in AAC in order to avoid inconsistency between the designed and actual thermal resistivity values of external delimiting constructions. Research of the impact of moisture content in AAC on its heat insulation properties has been presented in this paper.

Making Money from Making Money

OpenAIRE

Macfarlane, Laurie; Ryan-Collins, Josh; Bjerg, Ole; Nielsen, Rasmus; McCann, Duncan

2017-01-01

Who has control over the supply of new money and what benefits does it bring? There is now widespread acceptance that in modern economies, commercial banks, rather than the central bank or state, create the majority of the money supply. This report examines ‘seigniorage’ – the profits that are generated through the creation of money. We show that in the UK, commercial bank seigniorage profits amount to a hidden annual subsidy of £23 billion, representing 73% of banks’ profits after prov...

From (c)old house to an energy-saving house. Information on the energy conservation in the old building; Vom (K)althaus zum Energiesparhaus. Wissenswertes ueber die Energieeinsparung im Altbau

Energy Technology Data Exchange (ETDEWEB)

Eicke-Hennig, Werner; Fey, Klaus

2013-04-01

The contribution under consideration reports on energy savings opportunities for one- and two-family houses which account for a large part of the building stock. The halving of the consumption of heating energy is a clear message. With the following six steps, an energy efficient house can be attained from each house: insulation of the roof, insulation of exterior walls, new windows with heat-insulating glass, insulating of the basement ceiling, modernization of the heating system as by condensing boilers, power-saving circulating pump, solar water heating system.

Making Money from Making Money

DEFF Research Database (Denmark)

Macfarlane, Laurie; Ryan-Collins, Josh; Bjerg, Ole

Who has control over the supply of new money and what benefits does it bring? There is now widespread acceptance that in modern economies, commercial banks, rather than the central bank or state, create the majority of the money supply. This report examines ‘seigniorage’ – the profits...... that are generated through the creation of money. We show that in the UK, commercial bank seigniorage profits amount to a hidden annual subsidy of £23 billion, representing 73% of banks’ profits after provisions and taxes....

Disruptive Technology: Saving Money and Inspiring Engagement in Professional Staff.

Science.gov (United States)

McPherson, Penne; Talbot, Elizabeth

Competent, efficient, and cost-effective delivery of professional development is a challenge in health care. Collaboration of teaching methodologies with academia and acute care offers fresh perspectives and delivery methods that can facilitate optimal outcomes. One multihospital system introduced the academic "flipped classroom" model to its acute care setting and integrated it into professional development requirements. The concept of the flipped classroom requires independent student engagement prior to classroom activities versus the traditional classroom lecture model. Results realized a cost savings in 2 years of $28,737 in addition to positive employee engagement.

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

Energy saving consulting in Hamburg

Energy Technology Data Exchange (ETDEWEB)

1982-10-01

For anyone who wants to realise the dream of his own house, the terms of thermal insulation and saving heating plant should be central in planning this. One needs advice from experts for this. A survey of the many consultants offices available in Hamburg is provided. The list was compiled with the assistance of the Hamburg Chamber of Commerce and the Hamburg Trades Council and of professional associations. The information on the special fields of activity of the named consultants is based on their statements.

'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.

Solar/Geothermal Saves Energy in Heating and Cooling of Greenhouses

Science.gov (United States)

Sanders, Matthew; Thompson, Mark; Sikorski, Yuri

2010-04-01

The steady increase in world population and problems associated with conventional agricultural practices demand changes in food production methods and capabilities. Locally grown food minimizes the transportation costs and gas emissions responsible for Global Warming. Greenhouses have the potential to be extremely ecologically friendly by greatly increasing yields per year and facilitating reduced pesticide use. Globally, there are 2.5 million acres of greenhouse cover, including 30,640 acres in North America. In Europe, greenhouses consume 10% of the total energy in agriculture. Most of that energy is utilized for heating. Heating and cooling amount to 35% of greenhouse production costs. This high percentage value can be partially attributed to currently poor insulation values. In moderate-to-cold climate zones, it can take up to 2,500 gallons of propane, currently costing around 5,000, to keep a 2,000 sq. ft. greenhouse producing all winter. Around 350 tons of CO2 per acre per year are released from these structures, contributing to global climate change. Reducing the energy needs of a greenhouse is the first step in saving money and the environment. Therefore, an efficient and environmentally friendly heating and cooling system selection is also crucial. After selecting appropriate energy sources, the next major concern in a greenhouse would be heat loss. Consequently, it is critically important to understand factors contributing to heat loss.

Performance investigation of heat insulation solar glass for low-carbon buildings

International Nuclear Information System (INIS)

Cuce, Erdem; Young, Chin-Huai; Riffat, Saffa B.

2014-01-01

Highlights: • U-value of HISG is found to be 1.10 W/m 2 K. • Maximum temperature difference is achieved by HISG with 12.70 °C. • HISG provides two times better insulation than standard double glazed windows. • HISG generates over 40 W electricity from a glazing surface of 0.66 m 2 . • 100% of UV in incoming solar radiation is absorbed by HISG. - Abstract: Heat insulation solar glass (HISG), which has been recently developed by Professor Chin-Huai Young in Taiwan is an extraordinary glazing technology for low/zero carbon buildings. HISG differs from traditional glazing technologies with its ability of producing electricity. It also offers some additional features such as thermal insulation, sound insulation, self-cleaning and energy saving. In this work, thermal insulation, power generation and optical performance of HISG are experimentally investigated. Thermal insulation performance of HISG is analysed through standardized co-heating test methodology, and the results are compared with different traditional double glazed window samples. For the power generation and optical performance of HISG, two samples (air filled HISG and Argon filled HISG) are experimentally investigated in real and simulated operating conditions. The results indicate that both configurations show similar performance in terms of power generation. Under a solar intensity of 850 W/m 2 , over 40 W electrical power is achieved from HISG samples with a glazing area of 0.66 m 2 . Performance of samples under solar simulator is not found to be promising due to the absence of UV and IR parts in the artificial light source. In terms of thermal insulation ability, HISG is also found to be attractive. The average U-value of HISG is determined to be 1.10 W/m 2 K, which is two times better than standard double glazed windows. Some simulation results for two different cities (Taipei, Taiwan and Nottingham, UK) demonstrating the energy saving potential of HISG are also presented

Thermal and Energy Performance of Conditioned Building Due To Insulated Sloped Roof

Science.gov (United States)

Irwan, Suhandi Syiful; Ahmed, Azni Zain; Zakaria, Nor Zaini; Ibrahim, Norhati

2010-07-01

For low-rise buildings in equatorial region, the roof is exposed to solar radiation longer than other parts of the envelope. Roofs are to be designed to reject heat and moderate the thermal impact. These are determined by the design and construction of the roofing system. The pitch of roof and the properties of construction affect the heat gain into the attic and subsequently the indoor temperature of the living spaces underneath. This finally influences the thermal comfort conditions of naturally ventilated buildings and cooling load of conditioned buildings. This study investigated the effect of insulated sloping roof on thermal energy performance of the building. A whole-building thermal energy computer simulation tool, Integrated Environmental Solution (IES), was used for the modelling and analyses. A building model with dimension of 4.0 m × 4.0 m × 3.0 m was designed with insulated roof and conventional construction for other parts of the envelope. A 75 mm conductive insulation material with thermal conductivity (k-value) of 0.034 Wm-1K-1 was installed underneath the roof tiles. The building was modelled with roof pitch angles of 0° , 15°, 30°, 45°, 60° and simulated for the month of August in Malaysian climate conditions. The profile for attic temperature, indoor temperature and cooling load were downloaded and evaluated. The optimum roof pitch angle for best thermal performance and energy saving was identified. The results show the pitch angle of 0° is able to mitigate the thermal impact to provide the best thermal condition with optimum energy savings. The maximum temperature difference between insulated and non-insulted roof for attic (AtticA-B) and indoor condition (IndoorA-B) is +7.8 °C and 0.4 °C respectively with an average energy monthly savings of 3.9 %.

Energy. Saving 'Private' Areva

International Nuclear Information System (INIS)

Dupin, Ludovic

2015-01-01

While Areva keeps on loosing money (billions of euros for 2014), the saving of this company is at stake. Staff is already planned to be reduced in La Hague, and other staff reductions might occur after the failure of a previous strategic plan. Various activities could be sold (dismantling, mining). The article outlines the difficult relationships between Areva and EDF and the problems also faced by EDF. Some actors think that Areva should remain independent from EDF in order to be free to compete on international bidding. The rapprochement between these two companies is said to be necessary for the Ministry but seems very difficult to achieve

Determination of the Thermal Insulation for the Model Building Approach and the Global Effects in Turkey

Directory of Open Access Journals (Sweden)

Cenk Onan

2014-08-01

Full Text Available One of the most important considerations to be considered in the design of energy efficient buildings is the thickness of the insulation to be applied to the building. In this study the existing building stock in Turkey has been investigated depending on parameters such as the height and the area. A model building has been created covering all of these buildings. Fuel emission reduction of combustion system was calculated in the case of insulation applied to this model building. Heat loss of the existing building stock and exhaust emissions and the contribution to the country's economy with the model building methodology are also determined. The results show that the optimum insulation thicknesses vary between 3.21 and 7.12 cm, the energy savings vary between 9.23 US$/m2 and43.95 US$/m2, and the payback periods vary between 1 and 8.8 years depending on the regions. As a result of the study when the optimum insulation thickness is applied in the model building, the total energy savings for the country are calculated to be 41.7 billion US$. And also total CO2 emissions for the country are calculated to be 57.2 billion kg CO2 per year after insulation.

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.

Energy savings in the Danish building stock until 2050

DEFF Research Database (Denmark)

Wittchen, Kim Bjarne; Kragh, Jesper

2014-01-01

are energy upgraded according to the requirements stipulated in the Danish Building Regulations 2010. Furthermore, scenario analyses was made for the potential impact on the energy consumption of introducing different levels of tightening of the energy requirements for existing buildings in the Danish...... Building Regulations. Compliance with the requirements in the Danish Building Regulations will potentially result in energy savings for space heating and domestic hot water around 30 % until 2050. Further tightening of the component insulation level requirements will only result in marginally higher......A study has been conducted analysing the energy savings for space heating and domestic hot water in the Danish building stock due to renovation of building components at the end of their service life. The purpose of the study was to estimate the energy savings until 2050 as building components...

Domestic saving mobilisation and small business creation: The case of Cameroon

Directory of Open Access Journals (Sweden)

LC Forje

2014-07-01

Full Text Available Promoting savings and providing a basis for lending to the poor is a growing concern in many developing countries. Cameroon has a culture of savings mobilisation known as njangi/tontine. The njangi is contributions given to members in a rotating form at the end of every sitting, and tontine is voluntary savings held by the group. This study reveals that njangi/tontine groups only lend money to group members and suggests that a micro village bank known as MC2 could be used as guarantor to ensure that group monies lent to non-group members are repaid. Encouragement and improvement in the function of such voluntary savings could promote the creation of small businesses in the country.  The Cameroonian government needs to improve fighting corruption and a functional justice system to ensure security.

Saving time and money: a validation of the self ratings on the prospective NIMH Life-Chart Method (NIMH-LCM).

Science.gov (United States)

Born, Christoph; Amann, Benedikt L; Grunze, Heinz; Post, Robert M; Schärer, Lars

2014-05-07

Careful observation of the longitudinal course of bipolar disorders is pivotal to finding optimal treatments and improving outcome. A useful tool is the daily prospective Life-Chart Method, developed by the National Institute of Mental Health. However, it remains unclear whether the patient version is as valid as the clinician version. We compared the patient-rated version of the Lifechart (LC-self) with the Young-Mania-Rating Scale (YMRS), Inventory of Depressive Symptoms-Clinician version (IDS-C), and Clinical Global Impression-Bipolar version (CGI-BP) in 108 bipolar I and II patients who participated in the Naturalistic Follow-up Study (NFS) of the German centres of the Bipolar Collaborative Network (BCN; formerly Stanley Foundation Bipolar Network). For statistical evaluation, levels of severity of mood states on the Lifechart were transformed numerically and comparison with affective scales was performed using chi-square and t tests. For testing correlations Pearson´s coefficient was calculated. Ratings for depression of LC-self and total scores of IDS-C were found to be highly correlated (Pearson coefficient r = -.718; p money saving alternative to the clinician-rated version which should be incorporated in future clinical research in bipolar disorder. Generalizability of the results is limited by the selection of highly motivated patients in specialized bipolar centres and by the open design of the study.

31 CFR 103.125 - Anti-money laundering programs for money services businesses.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Anti-money laundering programs for... Laundering Programs Anti-Money Laundering Programs § 103.125 Anti-money laundering programs for money..., and maintain an effective anti-money laundering program. An effective anti-money laundering program is...

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)

Experimental performance evaluation of solid concrete and dry insulation materials for passive buildings in hot and humid climatic conditions

International Nuclear Information System (INIS)

Rehman, Hassam Ur

2017-01-01

Highlights: • Experimental investigation of building insulation materials in UAE from 2012–2014. • Four same calorimeters with different south walls were built in open air laboratory. • Heat flux was reduced by 22–75% in steady state analysis during summer by insulation. • Hence, energy consumption for cooling was reduced by an average 7.6–25.3%. • Heat flow was steady in free floating analysis in winter through insulated walls. - Abstract: It is known that enhancement of building energy efficiency can help in reducing energy consumption. The use of the solar insulating materials are the most efficient and cost effective passive methods for reducing the cooling requirements of the buildings. Apart from theoretical studies, no detailed experimental studies were performed in the UAE on energy savings by using solar insulation materials on buildings. Four (3 m × 3 m × 3 m) solar calorimeters were built in RAK, UAE in order to perform an open air outdoor test for energy savings obtained with solar insulating materials. The design is aimed to determine the heat flux reduction and the energy savings achieved with and without different solar insulating materials, mounted at the south wall of solar calorimeters with similar indoor and ambient conditions. Experimental results are discussed to evaluate the thermal performance during high temperature conditions in summer’s period when cooling demand of the building is at its peak and also in winters when there is no cooling demand. The test is from 2012 to 2014. The controlled-temperature experimental study at a set point of 24 °C showed that if the standard building material, i.e. solid concrete, is retrofitted with polyisocyanurate (PIR) and reflective coatings or completely replaced with energy-efficient dry insulation material walls such as exterior insulation finishing system (EIFS), energy savings up to an average of 7.6–25.3% can be achieved. This is due to the reduction of heat flux by an

Efforts of Controlling Money Laundering of Narcotics Money in Saudi Arabia

Directory of Open Access Journals (Sweden)

Khaled A. ALASMARI

2014-06-01

Full Text Available Money laundering is a silent crime. Its goal is to cover up the source of large sums of money that criminals often gather from their criminal activities. This paper will analyze the situation of money laundering in narcotics as it applies in Saudi Arabia. To achieve this end, the paper will first define important terms such as money laundering and narcotics. It will then explain the relationship between money laundering, narcotics trade, and terrorism activities. This background information will form the base for analyzing the various efforts that the Saudi Arabia nation has in place for countering money laundering in narcotics trade. The paper will then explain the challenges facing these efforts, and the future of money laundering in Saudi Arabia. The largest criminal activity associated with money laundering is terrorism financing. The several terror attacks associated with Saudi Arabia’s terror groups like Al-Qaida have made the government realize the importance of curbing money laundering in an effort to counter terrorism. Thus, anti-money laundering strategies are set in place to address all the avenues of money laundering.

Using electronic health records to save money.

Science.gov (United States)

Bar-Dayan, Yosefa; Saed, Halil; Boaz, Mona; Misch, Yehudith; Shahar, Talia; Husiascky, Ilan; Blumenfeld, Oren

2013-06-01

Health information technology, especially electronic health records (EHRs), can be used to improve the efficiency and effectiveness of healthcare providers. This study assessed the cost-savings of incorporating a list of preferred specialty care providers into the EHRs used by all primary care physicians (PCPs), accompanied by a comprehensive implementation plan. On January 1, 2005, all specialty clinic providers at the Israeli Defense Forces were divided into one of four financial classes based on their charges, class 1, the least expensive, being the most preferred, followed by classes 2-4. This list was incorporated into the EHRs used by all PCPs in primary care clinics. PCPs received comprehensive training. Target referral goals were determined for each class and measured for 4 years, together with the total cost of all specialist visits in the first year compared to the following years. Quality assessment (QA) scores were used as a measure of the program's effect on the quality of patient care. During 2005-2008, a marginally significant decline in referrals to class 1 was observed (r=-0.254, p=0.078), however a significant increase in referral rates to class 2 was observed (r=0.957, p=0.042), concurrent with a decrease in referral rates to classes 3 and 4 (r=-0.312, p=0.024). An inverse correlation was observed between year and total costs for all visits to specialists (2008 prices; r=-0.96, p=0.04), and between the mean cost of one specialist visit over the 4 years, indicating a significant reduction in real costs (2008 prices; r=-0.995, p=0.005). QA was not affected by these changes (r=0.94, p=0.016). From a policy perspective, our data suggest that EHR can facilitate effective utilization of healthcare providers and decrease costs.

Does parental job insecurity matter? Money anxiety, money motives, and work motivation.

Science.gov (United States)

Lim, Vivien K G; Sng, Qing Si

2006-09-01

A structural model focusing on the spillover effect of parental perceived job insecurity on money anxiety was developed and tested. The crossover effect of parents' money anxiety on their children's money anxiety, money motives, and motivation to work was also examined. Data were collected from a sample of undergraduates and their parents. Results of structural equation modeling analyses supported a spillover effect of paternal perceived job insecurity on paternal money anxiety. However, maternal perceived job insecurity was not significantly associated with maternal money anxiety. Results also supported a crossover effect of parental money anxiety on youths' money anxiety. Youths' money anxiety was significantly related to youths' negative money motives. In turn, youths' negative money motives were associated with their intrinsic motivation to work. Implications of the findings are discussed. (c) 2006 APA, all rights reserved

Should the Department of Defense Hedge Oil Prices in Order to Save Money

National Research Council Canada - National Science Library

Knapp, James W

2008-01-01

.... The goal of this paper is to explore the feasibility of the government entering the futures market in order to reduce the current DoD jet fuel cost and whether the potential savings would outweigh...

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.

Life estimation I and C cable insulation materials based on accelerated life testing accelerated life testing

International Nuclear Information System (INIS)

Santhosh, T.V.; Ramteke, P.K.; Shrestha, N.B.; Ahirwar, A.K.; Gopika, V.

2016-01-01

Accelerated Iife tests are becoming increasingly popular in today's industry due to the need for obtaining life data quickly and reliably. Life testing of products under higher stress levels without introducing additional failure modes can provide significant savings of both time and money. Correct analysis of data gathered via such accelerated life testing will yield parameters and other information for the product's life under use stress conditions. To be of practical use in assessing the operational behaviour of cables in NPPs, laboratory ageing aims to mimic the type of degradation observed under operational conditions. Conditions of testing therefore need to be carefully chosen to ensure that the degradation mechanism occurring in the accelerated tests are similar to those which occur in service. This paper presents the results of an investigation in which the elongation-at-break (EAB) measurements were carried on a typical control cable to predict the mean life at service conditions. A low voltage polyvinyl chloride (PVC) insulated and PVC sheathed control cable, used in NPP instrumentation and control (I and C) applications, was subjected thermal ageing at three elevated temperatures

Discount rates in risk versus money and money versus money tradeoffs.

Science.gov (United States)

Alberini, Anna; Chiabai, Aline

2007-04-01

We use data from a survey of residents of five Italian cities conducted in late spring 2004 to estimate the discount rates implicit in (1) money versus future risk reductions and (2) money versus money tradeoffs. We find that the mean personal discount rate is 0.3-1.7% in (1) and 8.7% in (2). The latter is lower than the discount rates estimated in comparable situations in many recent studies, greater than market interest rates in Italy at the time, and exhibits modest variation with age and gender. The discount rate implicit in money versus risk tradeoffs is within the range of estimates from studies in the United States and Europe, and does not depend on observable individual characteristics. We use split samples to investigate whether a completely abstract risk reduction - one where the risk reduction delivery has been stripped of all specifics, so that respondents should focus on the risks without being distracted by details - results in WTP and discount figures comparable to those from an identified delivery mechanism (a medical test). We find that while WTP for an immediate risk reduction is 42-73% higher with the abstract risk reduction, the discount rate in the money versus risk tradeoffs and the variance of the error term in the WTP equation are the same across the two variants of the questionnaire.

Fabrication and characterization of Aerogel-Polydimethyl siloxane (PDMS) Insulation Film

Science.gov (United States)

Noh, Yeoung ah; Song, Sinae; Taik Kim, Hee

2018-03-01

The building has a large impact on the space heating demand and the indoor environment is affected by climate or daylight. Hence, silica aerogel has generally used as a film to reduce the coefficient of the window in the building. Silica aerogel is a suitable material to apply for insulation material with lower thermal conductivity than that of air to save interior energy. However expensive precursor and drying process were the main issue of the silica aerogel synthesis and practical usage. We attempt to fabricate aerogel insulation film for energy saving through the economic process under ambient pressure. Silica aerogel was synthesized from rice husk ash, which was an agricultural waste to be able to recycle. Taguchi design was used to optimize the parameters (amount of rice husk ash, pH, aging time) controlling the surface area of silica aerogel. The silica aerogel is prepared by sol-gel processing through acidic treatment and aging. The silica aerogel was obtained by modification of silica hydrogel surface and dry at ambient pressure. Finally, aerogel film was respectively fabricated by the different content of aerogel in polydimethylsiloxane (PDMS). Silica aerogel obtained 21 – 24nm average particle size was analyzed by SEM and silica aerogel with high surface area (832.26 m2/g), pore size ( 3.30nm ) was characterized by BET. Then silica Aerogel – PDMS insulation film with thermal conductivity (0.002 W/mK) was analyzed by thermal wave system. The study demonstrates an eco-friendly and low-cost route toward silica – PDMS insulation film with low thermal conductivity (0.002 W/mK).

Energy saving by means of air conditioning equipment replacement and the household application of thermal insulation; Ahorro de energia electrica por reemplazo de equipos de aire acondicionado y aplicacion de aislamiento termico en viviendas

Energy Technology Data Exchange (ETDEWEB)

Peralta Solorio, Jose Luis [Fideicomiso para el Ahorro de la Energia (Mexico)

2005-07-15

An extension study of the Financing Program for Energy Saving looked for the evaluation of the electric energy saving potential obtained by the replacement of air conditioning equipment and the application of thermal insulation in 30 houses of two Mexican cities with warmth climate. In a joint effort with Comision Federal de Electricidad the consumption files of the users were analyzed and field measurements of electric demand and of refrigeration were made. As a following step the change of the refrigeration necessities derived from the application of thermal insulation were evaluated as well as the energy efficiency improvement obtained by the substitution of the air conditioning equipment and the favorable results obtained by the implementation of both measures - thermal insulation and change of air conditioning equipment in a joint form. This way, as a conclusion, the optimum sequence of application of these measures is revealed. [Spanish] Un estudio extension del Programa de Financiamiento para el Ahorro de Energia Electrica busco evaluar el potencial de ahorro de energia electrica alcanzado por el reemplazo de equipos de aire acondicionado y la aplicacion de aislamiento termico en 30 viviendas de dos ciudades mexicanas con clima calido. En un esfuerzo conjunto con la Comision Federal de Electricidad se analizaron los historiales de consumo de los usuarios y se efectuaron las mediciones de campo de demanda electrica y de refrigeracion. Como paso siguiente se valoro el cambio en las necesidades de refrigeracion derivado de la aplicacion de aislamiento termico al igual que la mejora en eficiencia energetica obtenida por la sustitucion de aire acondicionado y se identificaron los resultados favorecedores arrojados por la implementacion de ambas medidas -aislamiento termico y cambio de equipo de aire acondicionado- en forma conjunta. De esta manera, como conclusion, se devela la mas optima secuencia de aplicacion de estas medidas.

Restricting patients' medication supply to one month: saving or wasting money?

Science.gov (United States)

Domino, Marisa Elena; Olinick, Joshua; Sleath, Betsy; Leinwand, Sharman; Byrns, Patricia J; Carey, Tim

2004-07-01

A state Medicaid program's pharmacy expenditures associated with dispensing one- and three-month supplies of drugs were examined. We simulated the effect of a policy change from a maximum of a 100-day supply of prescription medication to one where only a 34-day supply was allowed. All North Carolina prescription claims from Medicaid enrollees who filled a prescription for at least one of six medication categories during fiscal years 1999 and 2000 were included. The six categories were angiotensin-converting-enzyme inhibitors, antiulcers, antipsychotics, nonsteroidal antiinflammatory drugs, selective serotonin-reuptake inhibitors, and sulfonylureas. The dollar value of the medication wasted, the amount of medication wastage diverted after a change to a shorter prescription length, and the total costs incurred by the increases in prescription refills were calculated. For each therapeutic category, 255,000-783,000 prescription drug claims were analyzed. No valid drug claims were excluded for any reason. Although 5-14% of total drug wastage, attributed to switches of drug therapy, could be saved by dispensing a 34-day supply, this saving could not make up for a larger increase in dispensing costs, as consumers would fill prescriptions more often. In addition, reducing the amount of drug dispensed each time may be costly to consumers through increased transportation and other expenses. Simulated calculation showed that the cost of drug therapy to North Carolina's Medicaid program would probably increase if 34-day rather than 100-day supplies of medications are dispensed to patients.

Optimum Insulation Thickness for Walls and Roofs for Reducing Peak Cooling Loads in Residential Buildings in Lahore

Directory of Open Access Journals (Sweden)

SIBGHA SIDDIQUE SIDDIQUE

2016-10-01

Full Text Available Thermal insulation is the most effective energy saving measure for cooling in buildings. Therefore, the main subject of many engineering investigations is the selection and determination of the optimum insulation thickness. In the present study, the optimum insulation thickness on external walls and roofs is determined based on the peak cooling loads for an existing residential building in Lahore, Pakistan. Autodesk® Revit 2013 is used for the analysis of the building and determination of the peak cooling loads. The analysis shows that the optimum insulation thickness to reduce peak cooling loads up to 40.1% is 1 inch for external walls and roof respectively.

Optimum Insulation Thickness for Walls and Roofs for Reducing Peak Cooling Loads in Residential Buildings in Lahore

International Nuclear Information System (INIS)

Siddique, S.; Arif, S.; Khan, A.; Alam, A.T.

2016-01-01

Thermal insulation is the most effective energy saving measure for cooling in buildings. Therefore, the main subject of many engineering investigations is the selection and determination of the optimum insulation thickness. In the present study, the optimum insulation thickness on external walls and roofs is determined based on the peak cooling loads for an existing residential building in Lahore, Pakistan. Autodesk at the rate Revit 2013 is used for the analysis of the building and determination of the peak cooling loads. The analysis shows that the optimum insulation thickness to reduce peak cooling loads up to 40.1 percent is 1 inch for external walls and roof respectively. (author)

In-cab technologies : an eco-system that can improve efficiency and save you money

Energy Technology Data Exchange (ETDEWEB)

Hodge, T. [Geotrac International Inc., Calgary, AB (Canada); Doherty, R. [Verigo Inc., Edmonton, AB (Canada); Clarotta, C. [Intermec Technologies Canada Ltd., Toronto, ON (Canada); Lamb, J. [Vistavu Solutions, Calgary, AB (Canada); Haber, T. [Telus Energy Sector Organization, Calgary, AB (Canada)

2008-07-01

Various in-cab technologies were presented by representative from leading oil and gas communications technology experts. The presentation included details of new aircard data and cell phone data plans as well as data modem plans developed for truck fleets by Geotrac International Incorporated. Details of the company's new high speed cellular modems and messaging and mapping systems designed specifically for oil and gas fleets were also presented. The systems were capable of measuring fuel consumption and idling times as well as calculating savings for up to 50 trucks. Details of a driver fatigue and alertness study were presented by Verigo Incorporated, who have developed a system using electronic on-board recorders and wireless logs designed to provide on-line auditing and reports. The presentation provided details of amounts of time saved using the wireless logging and inspection tools. Details of field ticketing, preventative maintenance programs, and unit cost and asset management software tools developed by Vistavu Solutions were presented. New fleet mobility strategies developed by Intermec were also presented. The company specializes in the construction of rugged hand-held computers built to military specifications. It was concluded that use of the computers can provide significant cost savings for oil and gas companies. tabs., figs.

Optimization of External Envelope Insulation Thickness: A Parametric Study

Directory of Open Access Journals (Sweden)

Eleftheria Touloupaki

2017-02-01

Full Text Available Almost four years after the implementation deadline of the energy performance of buildings Directive recast (2010/31/EU and after being referred to the Court of Justice of the EU by the European Commission, Greece has not yet proceeded with the necessary calculations and legislative measures on the minimum, cost-optimal energy performance requirements for buildings. This paper aims to identify the optimal thickness of insulation that is cost-effective to apply in urban multi-family domestic buildings in the four climate zones of Greece. A reference building is selected in order to perform calculations over ten scenarios of external insulation thickness for each climate zone on a basic and three sensitivity analysis calculations according to the EU comparative methodology framework. The resulting energy savings for each insulation scenario are calculated, and then the cost-effectiveness of the measure is examined in financial and macroeconomic perspective for an economic lifecycle of 30 years. The results demonstrate the inadequacy of the national regulation’s current insulation limits and the externalities (funding gaps that need to be addressed in order to achieve the effective improvement of energy efficiency in Greek homes.

Multiplying Money

Directory of Open Access Journals (Sweden)

Garry Jacobs

2013-05-01

Full Text Available This article is not a comprehensive factual history of money as an economic instrument. It aims rather to present an essential psychological history of the power of money as a social organization or social technology. It explores the catalytic role of money in the development of society and its ever-increasing capacity for accomplishment in both economic and non-economic fields. This perspective focuses attention on the unutilized potential for harnessing the social power of money for promoting full employment, global development and human welfare. The title ‘multiplying money’ is intended to convey the idea that this untapped potential is exponential in nature. In order to recognize it, some fundamental misconceptions about the nature of money, how it is created and on what it is based need to be examined. This is the second article in a series.

Money, income, and profit: lessons from the monetary theory of production

OpenAIRE

Carrera, Andrea; Rossi, Sergio

2015-01-01

In this paper we analyze Augusto Graziani’s numerous contributions to the monetary theory of production, which he developed from a theoretical but also a policy-oriented perspective. We focus on the rejection of the neoclassical dichotomy, the causal relation between production and money creation, and the definition of macroeconomic saving. These three dimensions of Graziani’s work can be identified in the framework of the monetary circuit, in the tradition of classical and Marxian economic t...

Money laundering

OpenAIRE

Kryvosheieva, Ganna

2017-01-01

The thesis deals with evaluation of ant-money laundering effectiveness. In theoretical part money laundering, FATF (Financial Ask Task Force) and AML(anti-money laundering) are defined. Practical part concentrates on the biggest scandals of the latest years and assessment of AML effectiveness. Based on this evaluation, weak places in AML mechanisms were identified. Additionally, tools of AML improvement were determined.

An Apology for Money

OpenAIRE

Svozil, Karl

2008-01-01

This review is about the convenience, the benefits, as well as the destructive capacities of money. It deals with various aspects of money creation, with its value, and its appropriation. All sorts of money tend to get corrupted by eventually creating too much of them. In the long run, this renders money worthless and deprives people holding it. This misuse of money creation is inevitable and should come as no surprise. Abusive money creation comes in various forms. In the present fiat money ...

When Demand Creates its Own Supply: Saving Traps

OpenAIRE

Christophe Chamley

2014-01-01

The mechanism by which aggregate supply creates the income that generates its matching demand (called Say's Law), may not work in a general equilibrium with decentralized markets and savings in bonds or money. Full employment is an equilibrium, but convergence to that state is slow. A self-fulfilling precautionary motive to accumulate bonds (with a zero aggregate supply) can set the economy on an equilibrium path with a fast convergence towards a steady state with unemployment that may be an ...

Small scale models equal large scale savings

International Nuclear Information System (INIS)

Lee, R.; Segroves, R.

1994-01-01

A physical scale model of a reactor is a tool which can be used to reduce the time spent by workers in the containment during an outage and thus to reduce the radiation dose and save money. The model can be used for worker orientation, and for planning maintenance, modifications, manpower deployment and outage activities. Examples of the use of models are presented. These were for the La Salle 2 and Dresden 1 and 2 BWRs. In each case cost-effectiveness and exposure reduction due to the use of a scale model is demonstrated. (UK)

The electric strength of high-voltage transformers insulation at effect of partial dischargers

International Nuclear Information System (INIS)

Khoshravan, E.; Zeraatparvar, A.; Gashimov, A.M.; Mehdizadeh, R.N.

2001-01-01

Full text : In paper the change of electric strength of high-voltage transformers insulation at the effect of partial discharges with space charge accumulation was investigated. It is revealed that the effect of partial discharges of insulation materials results the reduction of their pulsing electric strength which can restore the own initial value at releasing of saved charge the volume of a material under condition of absence the ineversible structural changes in it. Researches of high-voltage transformers insulation's non-failure operation conditions show, that at increasing of insulation work time in a strong electrical field the reduction of average breakdown voltages with simultaneous increasing of spread in discharge voltage values takes place. It authentically testifies to reduction of short-time discharge voltage of insulation materials during their electrical aging. As the basic reason of insulation electrical aging the partial discharges occurring in gas cavities inside insulation were considered. It is known that the space charges will be formed in insulation elements of high-voltage devices which effects in dielectrical property of these elements including the electric strength and the space charge formation can occur also at partial discharges in an alternating voltage while the service of high-voltage transformers. In the given work the experiments in revealing separate influence partial discharges in pulsing electric strength of insulation materials at presence and at absence inside them the space charge were spent

31 CFR 351.12 - What do I need to know about the long-term savings bond rate, to understand redemption value...

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false What do I need to know about the long-term savings bond rate, to understand redemption value calculations in this subpart? 351.12 Section 351... What do I need to know about the long-term savings bond rate, to understand redemption value...

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...

Money Markets

OpenAIRE

Marvin Goodfriend

2011-01-01

Money markets offer monetary services and short-term finance in the capital market with the credit support of institutional sponsors. Investors finance money market instruments at low interest because their salability on short notice confers an implicit monetary services yield. Low interest attracts borrowers to money markets. The fragile equilibrium depends on collective confidence in the credit quality of instruments supplied to the market. Federal Reserve monetary and credit policies have ...

31 CFR 351.11 - What do I need to know about the short-term savings bond rate, to understand redemption value...

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false What do I need to know about the short-term savings bond rate, to understand redemption value calculations in this subpart? 351.11... Provisions § 351.11 What do I need to know about the short-term savings bond rate, to understand redemption...

Money Demand in Latvia

OpenAIRE

Ivars Tillers

2004-01-01

The econometric analysis of the demand for broad money in Latvia suggests a stable relationship of money demand. The analysis of parameter exogeneity indicates that the equilibrium adjustment is driven solely by the changes in the amount of money. The demand for money in Latvia is characterised by relatively high income elasticity typical for the economy in a monetary expansion phase. Due to stability, close fit of the money demand function and rapid equilibrium adjustment, broad money aggreg...

Use of landfill gas will save money and reduce emissions

International Nuclear Information System (INIS)

Espinosa, G.G.

1991-01-01

The City of Glendale, California has commenced on a project to transport landfill gas (LFG) from the Scholl Canyon Landfill to the Grayson Power Plant. At the plant the LFG will be used to produce electricity in existing steam electric generating units and combustion turbines. The LFG will reduce the natural gas consumed at the plant resulting in a substantial cost savings for the City. This project also offers significant environmental improvements. First, the elimination of flaring at the landfill will reduce emissions. Second, the LFG will reduce NO x emissions from the power plant. This paper will describe the existing collection system at the landfill as well as the design of the compression and piping system to transport the LFG to the power plant. It will also outline the in-plant modifications to the fuel delivery system and examine some of the emission implications of how the fuel is utilized

SAVINGS BEHAVIOUR IN HOUSEHOLDS OF FARMERS AS COMPARED TO OTHER SOCIO-ECONOMIC GROUPS IN POLAND

Directory of Open Access Journals (Sweden)

Agnieszka Kozera

2016-12-01

Full Text Available Savings generated by the sector of households constitute an important growth factor in every economy. They are the basic source of capital accumulation, determining investment opportunities of the economy. Financial behaviour of households in terms of the accumulation of savings is infl uenced  by numerous factors, both internal, i.e. connected directly with a given household, and external, independent of it. The aim of this paper was to analyse savings behaviour of households of farmers as compared to the other socio-economicgroups in Poland in the years 2003 and 2013. Analyses were conducted on saving propensity, savings rates, and objectives and forms of savings accumulation by households of various socio-economic groups. Analyses showed that in 2013, saving propensity and savings rates in households of farmers were relatively low in comparison to other household groups. In households of farmers the objective of savings was, more frequently than in the other socio-economic groups of households, to ensure provisions for running consumption expenditure, purchase durable goods and expand their economic activity. In contrast, in comparison to the other households, farmers less frequently saved money for recreation and physical therapy.

Impact of external longwave radiation on optimum insulation thickness in Tunisian building roofs based on a dynamic analytical model

International Nuclear Information System (INIS)

Daouas, Naouel

2016-01-01

Highlights: • An efficient tool is proposed for a rigorous energy analysis of building envelope. • The longwave radiation has an important impact on the energy requirements. • Optimum insulation thickness for roofs is rigorously determined in a cost analysis. • The present method is more accurate than the sol–air degree hours method. • The proposed model is applicable to the study of the efficiency of cool roofs. - Abstract: In Tunisia, the building sector is considered as a major issue of energy consumption. A special attention should be drawn to improve the thermal quality of the building envelope with real consideration of the Tunisian climate specificity. One of the most effective measures is the roof insulation. Therefore, the present study is concerned with the determination of the optimum insulation thickness and the resulting energy savings and payback period for two typical roof structures and two types of insulation materials. An efficient analytical dynamic model based on the Complex Finite Fourier Transform (CFFT) is proposed and validated in order to handle the nonlinear longwave radiation (LWR) exchange with the sky. This model provides a short computational time solution of the transient heat transfer through multilayer roofs, which could be a good alternative to some numerical methods. Both heating and cooling annual loads are rigorously estimated and used as inputs to a life-cycle cost analysis. Among the studied cases, the most economical one is the hollow terracotta-based roof insulated with rock wool, where the optimum insulation thickness is estimated to be 7.9 cm, with a payback period of 6.06 years and energy savings up to 58.06% of the cost of energy consumed without insulation. The impact of the LWR exchange component is quantified and the results show its important effect on the annual transmission loads and, consequently, on optimum insulation thickness. A sensitivity analysis shows the efficiency of cool roofs in the Tunisian

Money and sociality: Measuring the unmeasurable money as justice, time and usury

Directory of Open Access Journals (Sweden)

Janković Zoran

2016-01-01

Full Text Available Levinas confirms: a reflection about a money as a social and economical reality is not possible without a serious analysis of empirical data. On the other hand, this reflection always involves something else, so a money is never a merely economical category. In that sense, Levinas proposes an intriguing meditation about some “dimensions” of a money in the western tradition. Contrary to the traditional moral condemnation of a money - which however remains unquestionable because of the fact that a man always carries a risk of becoming a merchandise - Levinas suggests that money never simply means a reification, but always implies some positive dimensions. Levinas suggests that a money is not something morally bad or simply neutral covering human relationships, but rather a condition of human community. Furthermore, he claims that a money is a fundament of the justice. A money makes possible a community, he explains, because it opens up the dimension of the future, and implies the existence of human beings who give themselves a credit; a credit understood as a time and a confidence. We shall try to address some problems implied by this thesis, particularly the problem of the relationship between time, money and credit. Finally, we are going to ask whether this cred­it - inseparable from the very essence of the money - is not always already a sort of usury.

VA Telemedicine: An Analysis of Cost and Time Savings.

Science.gov (United States)

Russo, Jack E; McCool, Ryan R; Davies, Louise

2016-03-01

The Veterans Affairs (VA) healthcare system provides beneficiary travel reimbursement ("travel pay") to qualifying patients for traveling to appointments. Travel pay is a large expense for the VA and hence the U.S. Government, projected to cost nearly $1 billion in 2015. Telemedicine in the VA system has the potential to save money by reducing patient travel and thus the amount of travel pay disbursed. In this study, we quantify this savings and also report trends in VA telemedicine volumes over time. All telemedicine visits based at the VA Hospital in White River Junction, VT between 2005 and 2013 were reviewed (5,695 visits). Travel distance and time saved as a result of telemedicine were calculated. Clinical volume in the mental health department, which has had the longest participation in telemedicine, was analyzed. Telemedicine resulted in an average travel savings of 145 miles and 142 min per visit. This led to an average travel payment savings of $18,555 per year. Telemedicine volume grew significantly over the study period such that by the final year the travel pay savings had increased to $63,804, or about 3.5% of the total travel pay disbursement for that year. The number of mental health telemedicine visits rose over the study period but remained small relative to the number of face-to-face visits. A higher proportion of telemedicine visits involved new patients. Telemedicine at the VA saves travel distance and time, although the reduction in travel payments remains modest at current telemedicine volumes.

When Love Meets Money: Priming the Possession of Money Influences Mating Strategies.

Science.gov (United States)

Li, Yi Ming; Li, Jian; Chan, Darius K-S; Zhang, Bo

2016-01-01

Money is an important factor that influences the development of romantic relationships. The current paper examines how the feeling of having relatively more or less money influences human mating strategies in long-term and short-term mating contexts under the framework of evolutionary psychology. We recruited mainland Chinese college students involved in steady, heterosexual romantic relationships to participate in two experiments. In each study, we experimentally triggered participants' feelings of having relatively more or less money and then examined their thoughts and behaviors related to mating. Results of Study 1 showed that men who were primed to feel that they had relatively more money were less satisfied with their partners' physical attractiveness than those primed to feel that they had less money, suggesting that the subjective feeling of having more or less money may affect men's preferences regarding the physical appearance of a mate in a long-term relationship. Interestingly, this difference was not significant for women. Results of Study 2 indicated that both men and women who were primed to feel that they had relatively more money exhibited a greater "behavioral approach tendency" toward an attractive member of the opposite sex than those primed to feel that they had less money. This finding suggests that people who feel they have relatively more money may have more interest in an attractive alternative than those who feel they have relatively less money. The differences in mating strategies between and within the genders brought about by money support the evolutionary hypothesis that individuals adopt conditional mating strategies in response to environmental conditions. Additionally, the results of experimental studies provide evidence for the causal effects of money on mating strategies. These findings have both conceptual and practical implications for the psychology of evolution and romantic relationships.

When Love Meets Money: Priming the Possession of Money Influences Mating Strategies

Science.gov (United States)

Li, Yi Ming; Li, Jian; Chan, Darius K.-S.; Zhang, Bo

2016-01-01

Money is an important factor that influences the development of romantic relationships. The current paper examines how the feeling of having relatively more or less money influences human mating strategies in long-term and short-term mating contexts under the framework of evolutionary psychology. We recruited mainland Chinese college students involved in steady, heterosexual romantic relationships to participate in two experiments. In each study, we experimentally triggered participants' feelings of having relatively more or less money and then examined their thoughts and behaviors related to mating. Results of Study 1 showed that men who were primed to feel that they had relatively more money were less satisfied with their partners' physical attractiveness than those primed to feel that they had less money, suggesting that the subjective feeling of having more or less money may affect men's preferences regarding the physical appearance of a mate in a long-term relationship. Interestingly, this difference was not significant for women. Results of Study 2 indicated that both men and women who were primed to feel that they had relatively more money exhibited a greater “behavioral approach tendency” toward an attractive member of the opposite sex than those primed to feel that they had less money. This finding suggests that people who feel they have relatively more money may have more interest in an attractive alternative than those who feel they have relatively less money. The differences in mating strategies between and within the genders brought about by money support the evolutionary hypothesis that individuals adopt conditional mating strategies in response to environmental conditions. Additionally, the results of experimental studies provide evidence for the causal effects of money on mating strategies. These findings have both conceptual and practical implications for the psychology of evolution and romantic relationships. PMID:27047415

The Meaning of Money Revisited: The Development of the Money Ethic Scale.

Science.gov (United States)

Tang, Thomas Li-Ping

Despite the fact that money is important in everyday life, there is a dearth of empirical material and research concerning the meaning of money and people's attitudes towards money in the psychological literature. This study examined the underlying concepts or beliefs people hold about money and the extent to which different needs can be fulfilled…

31 CFR 363.58 - May book-entry savings bonds be pledged or used as collateral?

Science.gov (United States)

2010-07-01

... pledged or used as collateral? 363.58 Section 363.58 Money and Finance: Treasury Regulations Relating to...Direct General § 363.58 May book-entry savings bonds be pledged or used as collateral? Bonds may not be pledged or used as collateral for the performance of an obligation. ...

When Does Money Make Money More Important? Survey and Experimental Evidence

OpenAIRE

Sanford E. DeVoe; Jeffrey Pfeffer; Byron Y. Lee

2013-01-01

The authors investigate how the amount and source of income affects the importance placed on money. Using a longitudinal analysis of the British Household Panel Survey and evidence from two laboratory experiments, they found that larger amounts of money received for labor were associated with individuals placing greater importance on money; but this effect did not hold for money not related to work. The longitudinal survey analysis demonstrated these differential effects of the source of inco...

The Safe Harbor Mouse Retreat(™) is an innovative enrichment shelter that saves mice and money.

Science.gov (United States)

Froberg-Fejko, Karen M; Lecker, Jaime L

2013-10-01

Environmental enrichment can be defined as altering the living environment of captive animals in order to provide them with opportunities to express their natural behavioral repertoire. As important as offering an enriched environment is assuring lab animals are housed in the safest conditions possible. Cage flooding events are an unfortunate reality; however, technology is advancing to minimize these events. Bio-Serv, in collaboration with Allentown, Inc., has developed an innovative and economical shelter called the Safe Harbor Mouse Retreat (Fig. 1). This shelter offers a life-saving refuge for mice during these occasional, but devastating cage-flooding accidents. Mice will not be lost due to chilling or drowning caused by water exposure. Breeding mice can save their litters by moving their pups to the second level, and all mice can escape to the higher level where they can remain warm and dry until they are rescued. This clever shelter is not only life-saving for mice but offers several other significant benefits as well.

Money demand elasticity, effective money supply and money market disequilibrium: ¡°China¡¯s Puzzle¡± and long-term excessive liquidity

OpenAIRE

LI Zhiguo

2008-01-01

Chinese excessive liquidity problems are more serious than other main countries. The upgrading industrial structure and the increasing opening degree lead to the excessive money demand and higher money demand elasticity. Bad credits weaken money supply effectiveness and lead to illusive increasing money. We set up the money market disequilibrium model under the condition of the excessive liquidity. The imbalance between money demand and money supply is the key of Chinese excessive liquidity p...

Extended operating times are more efficient, save money and maintain a high staff and patient satisfaction.

Science.gov (United States)

Herron, Jonathan Blair Thomas; French, Rachel; Gilliam, Andrew Douglas

2018-01-01

Current public sector austerity measures necessitate efficiency savings throughout the NHS. Performance targets have resulted in activity being performed in the private sector, waiting list initiative lists and requests for staff to work overtime. This has resulted in staff fatigue and additional agency costs. Adoption of extended operating theatre times (0800-1800 hours) may improve productivity and efficiency, with potentially significant financial savings; however, implementation may adversely affect staff morale and patient compliance. A pilot period of four months of extended operating times (4.5 hour sessions) was completed and included all theatre surgical specialties. Outcome measures included: the number of cases completed, late starts, early finishes, cancelled operations, theatre overruns, preoperative assessment and 18-week targets. The outcomes were then compared to pre-existing normal working day operating lists (0900-1700). Theatre staff, patient and surgical trainee satisfaction with the system were also considered by use of an anonymous questionnaire. The study showed that in-session utilisation time was unchanged by extended operating hours 88.7% (vs 89.2%). The service was rated as 'good' or 'excellent' by 87.5% of patients. Over £345,000 was saved by reducing premium payments. Savings of £225,000 were made by reducing privately outsourced operation and a further £63,000 by reviewing staff hours. Day case procedures increased from 2.8 to 3.2 cases/day with extended operating. There was no significant increase in late starts (5.1% vs 6.8%) or cancellation rates (0.75% vs 1.02%). Theatre over-runs reduced from 5% to 3.4%. The 18 weeks target for surgery was achieved in 93.7% of cases (vs 88.3%). The number of elective procedures increased from 4.1 to 4.89 cases/day. Only 13.33% of trainees (n = 33) surveyed felt that extended operating had a negative impact on training. The study concludes that extended operating increased productivity from

Designing New Money

DEFF Research Database (Denmark)

Bjerg, Ole

The prospect of central banks issuing digital currency (CBDC) immediately raises the question of how this new form of money should co-exist and interact with exist-ing forms of money. This paper evaluates three different scenarios for the imple-mentation of CBDC in terms of their monetary policy...... simultaneously only pursue two out of the following three policy objectives: Free convertibility between CBDC and bank money, parity between CBDC and bank money, and central bank monetary sovereignty, which is the use of monetary policy for anything else than support for commercial bank credit creation...

Empirical Analysis of the Impact of Financial Sector Reforms on Savings Mobilization in Nigeria

Directory of Open Access Journals (Sweden)

Enobong Udoh

2017-03-01

Full Text Available This paper examines whether Nigeria witnessed considerable savings mobilization amidst financial sector reforms from 2007 to 2015 using the estimation method of Autoregressive Distributed Lag. Unlike previous papers in this area that mostly focused on interest rates liberalization thesis, this paper goes deeper by looking at financial reforms across money, capital and foreign exchange markets. The estimation results show that there are still structural rigidities in the money, foreign exchange and equity markets nexus. In that, the following variables that proxy financial sector reforms namely treasury bill yield, interest rate spread, market capitalization ratio and currency in circulation ratio (which proxy technological modernization of payment systems all went against a priori expectation. However, financial reforms had one success story in credit/loans advances to private/public sectors (financial deepening which posted its correct economic sign. In sum, except for the financial deepening variable it can be safely concluded that financial reforms in Nigeria is yet to positively impact savings mobilization. The regulatory and reform authorities must show effectiveness in reforms implementation.

When Love Meets Money: Priming the Possession of Money Influences Mating Strategies

Directory of Open Access Journals (Sweden)

Yi Ming eLi

2016-03-01

Full Text Available Money is an important factor that influences the development of romantic relationships. The current paper examines how the feeling of having relatively more or less money influences human mating strategies in long-term and short-term mating contexts under the framework of evolutionary psychology. We recruited mainland Chinese college students involved in steady, heterosexual romantic relationships to participate in two experiments. In each study, we experimentally triggered participants’ feelings of having relatively more or less money and then examined their thoughts and behaviors related to mating. Results of Study 1 showed that men who were primed to feel that they had relatively more money were less satisfied with their partners’ physical attractiveness than those primed to feel that they had less money, suggesting that the subjective feeling of having more or less money may affect men’s preferences regarding the physical appearance of a mate in a long-term relationship. Interestingly, this difference was not significant for women. Results of Study 2 indicated that both men and women who were primed to feel that they had relatively more money exhibited a greater behavioral approach tendency toward an attractive member of the opposite sex than those primed to feel that they had less money. This finding suggests that people who feel they have relatively more money may have more interest in an attractive alternative than those who feel they have relatively less money. The differences in mating strategies between and within the genders brought about by money support the evolutionary hypothesis that individuals adopt conditional mating strategies in response to environmental conditions. These findings have both conceptual and practical implications for the psychology of evolution and romantic relationships.

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.

Consumer protection issues in energy: a guide for attorneys general. Insulation, solar, automobile device, home devices

Energy Technology Data Exchange (ETDEWEB)

Cohen, Harry I.; Hulse, William S.; Jones, Robert R.; Langer, Robert M.; Petrucelli, Paul J.; Schroeder, Robert J.

1979-11-01

The guide attempts to bring together two important and current issues: energy and consumer protection. Perhaps the most basic consumer-protection issue in the energy area is assuring adequate supplies at adequate prices. It is anticipated, though, that consumers will want to consider new ways to lower enegy consumption and cost, and will thus be susceptible to fraudulent energy claims. Information is prepared on insulation, solar, energy-saving devices for the home, and energy-saving devices for the automobile.

Exterior Insulation Implications for Heating and Cooling Systems in Cold Climates

Energy Technology Data Exchange (ETDEWEB)

Herk, Anastasia [IBACOS Inc., Pittsburgh, PA (United States); Poerschke, Andrew [IBACOS Inc., Pittsburgh, PA (United States)

2015-04-09

The New York State Energy Research and Development Authority (NYSERDA) is interested in finding cost-effective solutions for deep energy retrofits (DERs) related to exterior wall insulation in a cold climate, with targets of 50% peak load reduction and 50% space conditioning energy savings. The U.S. Department of Energy Building America team, IBACOS, in collaboration with GreenHomes America, Inc. (GHA), was contracted by NYSERDA to research exterior wall insulation solutions. In addition to exterior wall insulation, the strategies included energy upgrades where needed in the attic, mechanical and ventilation systems, basement, band joist, walls, and floors. Under Building America, IBACOS is studying the impact of a “thermal enclosure” DER on the sizing of the space conditioning system and the occupant comfort if the thermal capacity of the heating and cooling system is dramatically downsized without any change in the existing heating and cooling distribution system (e.g., size, tightness and supply outlet configurations).

Exterior Insulation Implications for Heating and Cooling Systems in Cold Climates

Energy Technology Data Exchange (ETDEWEB)

Herk, Anastasia; Poerschke, Andrew

2015-04-01

The New York State Energy Research and Development Authority (NYSERDA) is interested in finding cost-effective solutions for deep energy retrofits (DERs) related to exterior wall insulation in a cold climate, with targets of 50% peak load reduction and 50% space conditioning energy savings. The U.S. Department of Energy Building America team, IBACOS, in collaboration with GreenHomes America, Inc. (GHA), was contracted by NYSERDA to research exterior wall insulation solutions. In addition to exterior wall insulation, the strategies included energy upgrades where needed in the attic, mechanical and ventilation systems, basement, band joist, walls, and floors. Under Building America, IBACOS is studying the impact of a “thermal enclosure” DER on the sizing of the space conditioning system and the occupant comfort if the thermal capacity of the heating and cooling system is dramatically downsized without any change in the existing heating and cooling distribution system (e.g., size, tightness and supply outlet configurations).

Potential energy savings from cool roofs in Spain and Andalusia

International Nuclear Information System (INIS)

Boixo, Sergio; Diaz-Vicente, Marian; Colmenar, Antonio; Castro, Manuel Alonso

2012-01-01

Cool roofs are an inexpensive method to save energy and to improve the comfort level in buildings in mild and hot climates. A high scale implementation of cool roofs in Andalusia, in the south of Spain, could potentially save 295,000 kWh per year, considering only residential buildings with flat roofs using electrical heating. At the current energy prices, consumers can save 59 million euros annually in electricity costs and the emission of 136,000 metric tons of CO 2 can be directly avoided every year from the production of that electricity. If radiative forcings are considered, Andalucía can potentially offset between 9.44 and 12 Mt of CO 2 . All the provinces in the rest of Spain are also studied in this paper. The biggest savings are achieved in Gran Canaria (48%), Tenerife (48%), Cádiz (36%), Murcia (33%), Huelva (30%), Málaga (29%), Almería (29%) and Sevilla (28%), where savings are greater than 2 euros per square meter of flat roof for old buildings with dark roofs. For the biggest cities the range of savings obtained are: between 7.4% and 11% in Madrid, between 12% and 18% in Barcelona and between 14% and 20% in Valencia. -- Highlights: ► We estimate potential savings in energy, CO 2 , and money for cool roofs in Spain (residential sector with flat roofs). ► Average savings are of around one euro per square meter in the biggest cities. ► Potential savings are of more than 2 €/m 2 in the hottest cities. ► In Andalusia the potential savings are 300 MWh, 60 millions euro and 136,000 tons of CO 2 per year. ► With forcings, the CO 2 equivalence of cool roofs in Andalusia is between 9 and 12 Mt.

Thermal insulator made of ultra fine particles of silica. Chobiryushi silica kei dannetsuzai

Energy Technology Data Exchange (ETDEWEB)

Eguchi, T.

1991-05-30

An overview was presented of properties and applications of thermal insulator made of ultra fine powder of silica, MICROTHERM. The thermal conductivity of MICROTHERM is as low as (1/3) - (1/4) of that of conventional thermal insulator, because it is mainly composed of fumed silica or aero gel and formed into porous structure. In addition, metal oxide of special particle size is added to it in order to reject the radiative heat. The thermal insulation property and the mechanical strength of MICROTHERM is not affected by a sudden change in temperature and moisture. The standard type of MICROTHERM can be used at a temperature up to 950 {degree}C, while the high temperature type MICROTHERM can stand a high temperature up to 1025 {degree}C for long period of time. The thickness of insulator can be reduced markedly by using MICROTHERM as compared with the use of conventional insulating materials. Many new products in which MICROTHERM is used came into market. New type kilt, Semi-cylindrical block, Super high temperature MICROTHERM are just a few examples. Variety of application and energy saving effect are attracting public attention. 11 figs.

Energy saving industrial products in Italy (marketing research, conservation program planning)

Energy Technology Data Exchange (ETDEWEB)

Agostini, M.; Clo' , A.; Goldoni, G. (Bologna Univ. (Italy))

1989-09-01

This article gathers the essential results of research, carried out by Nomisma for ENEA (Italian Commission for Nuclear and Alternative Energy Sources) about the market and industry structure of 7 different products for energy saving, i.e. high performance boilers, cogeneration plants, thermal insulation, organic residual combustors, heat pumps, heat recovery equipment and measuring and control instruments. The singling out of the operating firms and the collection of numerous, even if incomplete, economic and technical data, permit a first evaluation of the trend of the Italian energy saving market during the period 1983-87. This will be a useful tool in order to appraise the efficiency of past policies and direct future ones.

Smart Money

DEFF Research Database (Denmark)

Avital, Michel; Hedman, Jonas; Albinsson, Lars

2017-01-01

Legal tender in the form of coins and banknotes is expected to be replaced at one point in the future by digital legal tender. This transformation is an opportunity for central banks to rethink the idea of money and overhaul the prevailing payment systems. Digital legal tender is expected to reduce...... exchange instrument that relies on computer protocols to facilitate, verify, and enforce certain conditions for its appropriation as payment, e.g. who may use the money, where, and for what. If we believe that digital legal tender will become ubiquitous, then the emergence and diffusion of smart money...

Do kidney transplantations save money? A study using a before-after design and multiple register-based data from Sweden.

Science.gov (United States)

Jarl, Johan; Desatnik, Peter; Peetz Hansson, Ulrika; Prütz, Karl Göran; Gerdtham, Ulf-G

2018-04-01

The health care costs of kidney transplantation and dialysis are generally unknown. This study estimates the Swedish health care costs of kidney transplantation and dialysis over 10 years from a health care perspective. A before-after design was used, in which the patients served as their own controls. Health care costs the year before transplantation were assumed to continue in the absence of a transplant and the cost savings was therefore calculated as the difference between the expected costs and the actual costs during the 10-year follow-up period. Factors associated with the size of the cost savings were studied using ordinary least-squares regression. Altogether 66-79% of the expected health care costs over 10 years were avoided through kidney transplantation, resulting in a cost savings of €380 000 (2012 price-year) per patient. Savings were the highest for successful transplantations, but on average the treatment was cost-saving also for patients who returned to dialysis. No gender or age differences could be found, with the exception of a higher cost of transplantation for children and a generally higher cost for younger compared with older patients on dialysis. A negative association was also found between age at the time of transplantation and the size of the cost savings for the younger part of the sample. Kidney transplantations have led to substantial cost savings for the Swedish health care system. An increase in donated kidneys has the potential to further reduce the cost of renal replacement therapy.

Choice of insulation standard for pipe networks in 4th generation district heating systems

DEFF Research Database (Denmark)

Lund, Rasmus Søgaard; Mohammadi, Soma

2016-01-01

and smart gas grids. Improving DH pipes by improving the insulation standard results in decreasing the heat and temperature losses from the pipe networks. When reducing heat losses from DH pipes, there is a trade-off between the increasing cost of pipe insulation and the associated savings in the heat...... supply system. This study presents a methodology to describe this balance for a specific case and its application for the case of Denmark. The methodology presented consists of a techno-economic analysis in two steps. In the first step, a DH grid model is used to assess the reduction in grid losses...

Field Evaluation of Highly Insulating Windows in the Lab Homes: Winter Experiment

Energy Technology Data Exchange (ETDEWEB)

Parker, Graham B.; Widder, Sarah H.; Bauman, Nathan N.

2012-06-01

This field evaluation of highly insulating windows was undertaken in a matched pair of 'Lab Homes' located on the Pacific Northwest National Laboratory (PNNL) campus during the 2012 winter heating season. Improving the insulation and solar heat gain characteristics of a home's windows has the potential to significantly improve the home's building envelope and overall thermal performance by reducing heat loss (in the winter), and cooling loss and solar heat gain (in the summer) through the windows. A high quality installation and/or window retrofit will also minimize or reduce air leakage through the window cavity and thus also contribute to reduced heat loss in the winter and cooling loss in the summer. These improvements all contribute to decreasing overall annual home energy use. Occupant comfort (non-quantifiable) can also be increased by minimizing or eliminating the cold 'draft' (temperature) many residents experience at or near window surfaces that are at a noticeably lower temperature than the room air temperature. Lastly, although not measured in this experiment, highly insulating windows (triple-pane in this experiment) also have the potential to significantly reduce the noise transmittance through windows compared to standard double-pane windows. The metered data taken in the Lab Homes and data analysis presented here represent 70 days of data taken during the 2012 heating season. As such, the savings from highly insulating windows in the experimental home (Lab Home B) compared to the standard double-pane clear glass windows in the baseline home (Lab Home A) are only a portion of the energy savings expected from a year-long experiment that would include a cooling season. The cooling season experiment will take place in the homes in the summer of 2012, and results of that experiment will be reported in a subsequent report available to all stakeholders.

Report on the use of your contributions to the Pakistan earthquake relief effort

CERN Multimedia

2006-01-01

Thanks to your generosity, a total of 56 032.50 CHF was collected. On the advice of local physicists from the Qaid-i-Azam University and the National Centre for Physics in Islamabad, the money was given to the Eqbal Ahmad Foundation, where it has been used under their close supervision. The money has been used almost exclusively for building temporary shelters and, to a lesser extent, for providing emergency rations, blankets and tents. About 814 crude shelters had been constructed by 22 January. As seen in the pictures, they are wooden frames with corrugated iron sheets for the roofs and walls, with wood-board and chip-board for insulation. The wood is provided by the shelter owner, and each shelter costs about $300 for the corrugated iron sheets and the insulation. Crude as these shelters are, they are critical for saving families from freezing to death in the biting cold, rain and snow. CERN money was used to buy corrugated iron sheets for shelters, and trucks of the sheets were sent to areas in Chikar...

A novel extrusion head for the renovation of cable sheaths - numeric simulation speeds conceptual work; Une tete d'extrusion novatrice pour revetir des cables. La simulation numerique pour accelerer sa conception

Energy Technology Data Exchange (ETDEWEB)

Ata-Caesar, D.; Gendre, F.; Schillaci, J.

2005-07-01

This article describes a new method of applying layers of insulation to power cables. The disadvantages of traditional methods of extrusion of cable insulation are looked at, that often are a source of impurities that can possibly degrade the physical and chemical qualities of the end product. The article discusses how the new method was developed in co-operation with a specialised University of Applied Science. Also, the savings in time and money that can be made during the optimisation of a prototype are discussed. The numeric simulation methods used are examined and the commercialisation of the product is looked at.

Thermal insulation of buildings is worth the effort

International Nuclear Information System (INIS)

Novotny, A.

1999-01-01

Thermal insulation of buildings became a vital measure of keeping control of utility bills, elimination of hygienic and visual defects, of water penetration into the structural components and thus prevention, and of thermal stress reduction of the load-carrying structures. Thermal insulation became a substantial part of the residential housing renewal. The current housing status implies that no more time can be wasted in implementing this programme, and its immediate application should be much more extensive than the past attempts. The Reduced Power Consumption Programme proposed in 1990 for the general operation of buildings was addressed in 1991/1995. It was meant to stipulate conditions and demonstrate a reduced power demand for residential heating by 30 %, or subsequent reduction of the power demand to the level of 9.3, 7.3 to 3.1 MWh/standard flat annually (130, 102 and 84 kWh/m 2 year respectively. The assessment of the existing residential housing prove its high power intensity. The real power consumption is in the range of 160-195 kWh/m 2 year. The benefit of the thermal insulation programme is primarily in a reduced need for the state subsidies for the residential heating by at least 1703 slovak crowns per flat. The utility bills savings from insulating two flats are sufficient to heat a third flat. Further benefits can be seen in lower demand on primary power sources and in creating new jobs as well as in positive environmental effects

Money and Design

Directory of Open Access Journals (Sweden)

Artur Borcuch

2015-01-01

Full Text Available The purpose of this article is to analyze the influence of the money design on willingness to make purchases. In this paper, we focus on three aspects that structure the relation between money and design: the link between design and finance (in general, determinants of design and perspective of currency design. The main research problem explored in this paper is: Does the money design have influence on the willingness to make purchases by employees/employers at design studios, design students and students of economics/management? The main hypothesis is as follows – the more experience in design practice, the more important is money design.

Using dew points to estimate savings during a planned cooling shutdown

Science.gov (United States)

Friedlein, Matthew T.; Changnon, David; Musselman, Eric; Zielinski, Jeff

2005-12-01

In an effort to save money during the summer of 2003, Northern Illinois University (NIU) administrators instituted a four-day working week and stopped air conditioning buildings for the three-day weekends (Friday through Sunday). Shutting down the air conditioning systems caused a noticeable drop in electricity usage for that part of the campus that features in our study, with estimated total electricity savings of 1,268,492 kilowatt-hours or 17% of the average usage during that eight-week period. NIU's air conditioning systems, which relied on evaporative cooling to function, were sensitive to dew point levels. Greatest savings during the shutdown period occurred on days with higher dew points. An examination of the regional dew point climatology (1959 2003) indicated that the average summer daily dew point for 2003 was 14.9°C (58.8°F), which fell in the lowest 20% of the distribution. Based on the relationship between daily average dew points and electrical usage, a predictive model that could estimate electrical daily savings was created. This model suggests that electrical savings related to any future three-day shutdowns over summer could be much greater in more humid summers. Studies like this demonstrate the potential value of applying climatological information and of integrating this information into practical decision-making.

Performance of antisolar insulated roof system

Energy Technology Data Exchange (ETDEWEB)

Ahmad, Irshad [Alternative Energy Development Board (AEDB), House No. 1, Main Nazimuddin Road, F-10/4, Islamabad (Pakistan)

2010-01-15

Rooms with concrete slab roofs directly exposed to the sun become unbearably hot during summer and very cold during winter. Huge amounts of energy are required to keep them comfortable. Application of thermal insulation on roofs significantly reduces energy required for heating and cooling. The effectiveness of roof insulations may be further enhanced if a layer of antisolar coating is applied on top of the insulation. The antisolar coating reflects most of the incident sunlight and prevents the roof from heating up. This reduces the daily cycles of thermal expansion and contraction which cause cracks in the roof slabs for the rainwater to leak through. The antisolar coating prolongs the useful life of the building structure as well as the life of the insulation that evaporates with heat. The method of application of the antisolar coating has been specially developed to eliminate thermal bridges formed between the edges of the tiles. This report presents the results of an experiment conducted at the Attock Refinery Limited (ARL) Rawalpindi to assess the performance of the antisolar insulated roof system. Record of the room temperature before and after the installation of the system shows a significant reduction in the indoor temperature. The room occupants, who used to experience a very high thermal stress after 10:30 am in spite of the 1.5-ton air conditioner operating in the room, felt much relieved after the installation. They had to turn back the thermostat of the air conditioner and even had to switch it off occasionally. A detailed thermal analysis of the room shows that cost of an antisolar system is paid back in less than a year in the form of savings of energy required for air-conditioning in summer and for gas heating in winter. In addition, the system prevents the addition of 150 kg per year of green house gases to the atmosphere for each square meter of the area covered by the system. It also provides a quieter environment by reducing the operational

Money growth volatility and the demand for money in Germany: Friedman's volatility hypothesis revisited

OpenAIRE

Brüggemann, Imke; Nautz, Dieter

1997-01-01

Recently, the Bundesbank claimed that monetary targeting has become considerably more diffcult by the increased volatility of short-term money growth. The present paper investigates the impact of German money growth volatility on income velocity and money demand in view of Friedman's money growth volatility hypothesis. Granger-causality tests provide some evidence for a velocity-volatility linkage. However the estimation of volatility-augmented money demand functions reveals that - in contras...

Economic and Environmental Impact of Energy Saving in Healthcare Buildings

Directory of Open Access Journals (Sweden)

Justo García-Sanz-Calcedo

2018-03-01

Full Text Available The purpose of this article is to estimate the economic and environmental impacts of energy consumption derived from healthcare buildings and proposes several energy-saving options in the sector. An experimental energy consumption study was development between 2005 and 2013 in 12 hospitals and 70 healthcare centres in Spain, built between 1980 and 2005 through audits carried out between 2005 and 2012, performed by the Extremadura Energy Agency. The study focused on electric energy, HVAC, DWH, lighting systems, renewable energies, maintenance strategy, thermal insulation, and optimal building size. Specifically, the following parameters were evaluated: energy savings, investment emission of CO2, NO2, and SO2 gases, and payback. The results revealed that through an appropriate energy management of healthcare buildings it is possible to save up to 8.60 kWh/m2 per year, for buildings of less than 5000 m2 (with no beds, which represents an expense of 1.55 €/m2. In healthcare buildings larger than 5000 m2 (with beds, it was possible to save up to 6.88 kWh/m2 per year, which represents an expense of 1.25 €/m2.

ENDOGENEITY OF INDONESIAN MONEY SUPPLY

Directory of Open Access Journals (Sweden)

Meutia Safrina Rachma

2011-09-01

Full Text Available There has been a long debate about the endogeneity of money supply. The main objective of this article is to identify whether money supply in Indonesia is an exogenous or an endogenous variable. Using a Vector Autoregressive model and monthly data 1997(5-2010(6, the estimation result shows that money supply in Indonesia is an endogenous variable. The movement of broad money supply does influence the movement of base money and Consumer Price Index. Consequently, the central bank does not have control power on money supply. The bank is only able to maintain the stability and control the movement of broad money supply. Keywords: Endogenous variable, money supply, vector autoregressionJEL classification numbers: E51, E52, E58

Money Laundering

DEFF Research Database (Denmark)

Tsingou, Eleni

2014-01-01

This chapter provides an overview of the role of the European Union in the emergence, consolidation and development of the governance of money laundering. In particular, it identifies three sets of factors that explain the role of the European Union in the global Anti-Money Laundering (AML) regime...

Electricity-cost savings obtained by means of nuclear plant life extension

International Nuclear Information System (INIS)

Forest, L.; Fletcher, T.; DuCharme, A.; Harrison, D.L.

1987-01-01

This study examines savings caused by nuclear-plant life extension (NUPLEX) and describes the effects of changes in assumptions on costs and technology using an approach simpler than the large economic-model simulations used in other reports. Under the simplified approach, we estimate savings at the broad national level by comparing projected costs/kWh for the typical NUPLEX plant with those for new coal-fired plants, which seem the most likely alternative in most regions. While ignoring some complications handled by the large, regionally disaggregated econometric models, the approach used in this study has advantages in sensitivity analyses. It reveals relationships between savings and basic assumptions on costs and technology in a more transparent way than in large-model simulations. We find that, absent major technological breakthroughs for present generating options, NUPLEX saves consumers money on their electric bills under most plausible economic scenarios. Using mid-range assumptions, we find that NUPLEX saves consumers a total of about dollar 180 billion spread over the period 2010-50. Under optimistic assumptions, the savings swell to over dollar 900 billion. Under extremely pessimistic assumptions, the savings actually turn negative. This wide range of estimates largely reflects the uncertainty in cost projections. Within plausible limits, higher- or lower-than-expected load growth does not affect the savings estimates. The NUPLEX construction costs stand out as the most critical unknown. If they turn out to be 50% (dollar 500 billion) above the baseline estimate savings would fall by almost 60% (dollar 105 billion). A 50% rise in nuclear fuel costs would drop baseline savings by almost 22%. A 50% increase in nuclear-plant operations-and-maintenance costs, would cut baseline savings by about 36%. These sensitivities highlight the need for continued monitoring of economic developments

Aggregate Uncertainty, Money and Banking

OpenAIRE

Hongfei Sun

2006-01-01

This paper studies the problem of monitoring the monitor in a model of money and banking with aggregate uncertainty. It shows that when inside money is required as a means of bank loan repayment, a market of inside money is entailed at the repayment stage and generates information-revealing prices that perfectly discipline the bank. The incentive problem of a bank is costlessly overcome simply by involving inside money in repayment. Inside money distinguishes itself from outside money by its ...

Young Money

DEFF Research Database (Denmark)

Roelsgaard Obling, Anne

2015-01-01

Book review of: Kevin Roose: "Young Money: Inside the Hidden World of Wall Street's Post-Crash Recruits". New York: Grand Central Publishing, 2014. 320 pp.......Book review of: Kevin Roose: "Young Money: Inside the Hidden World of Wall Street's Post-Crash Recruits". New York: Grand Central Publishing, 2014. 320 pp....

Smart Money

DEFF Research Database (Denmark)

Avital, Michel; Hedman, Jonas; Albinsson, Lars

2017-01-01

transaction costs by providing seamless real-time payments. In addition, digital legal tender that is based on blockchain technology can provide a foundation for customizable “smart money” which can be used to manage the appropriation of money and its use. In essence, the smart money is a customizable value...

GENDERED DOLLARS: Pin Money, Mad Money, and Changing Notions of a Woman’s Proper Place

Directory of Open Access Journals (Sweden)

Janice Traflet

2008-01-01

Full Text Available This essay examines the evolution in the meaning and usage of two types of special currencies: pin money and mad money. At the start of the twentieth century, both currencies were considered a woman’s money. By the end of the century, however, both pin money and mad money had lost a large measure of their original gendered connotations. By situating the evolving meanings of these currencies alongside concepts of domesticity, virtuous womanhood, and a woman’s proper place, this essay strives to illuminate the rise and fall of pin money and mad money as uniquely “women’s dollars." 

Thermic insulation in the United States

Energy Technology Data Exchange (ETDEWEB)

Nicolaon, G. (Ambassade de France a New York (USA)); Atlas, O. (Illinois Institute of Technology, Chicago, (USA))

1984-01-30

At present, thermic insulation accounts for 13% of the savings which have been made and this percentage should increase substantially in the future. The ideal insulation material must have low thermic conductivity, but also be light, have a low dilatation coefficient, good mechanical resistance and be fireproof and non-toxic. Rock wool and above all glass wool have the major portion in the insulation market with about 75% of the total. The prospects for an increase in sales are average: 6 to 7% per year until 1990 with a stabilization or a decrease after this date. Production is concentrated in the hands of about ten producers. The insulation with a cellulose base -with the addition of a combustion inhibitor, usually borax- represent about 15% of the market. Manufacturers are numerous and the production units are small. Any serious evaluation of the future of this product is difficult to make. However, it should be noted that combustion inhibition is one of the main factors of success of this product and constitutes a relatively active field of research. Perlite and vermiculite have a marginal part of the market which is concentrated in the hands of a few dozen producers. Their future seems promising and their production should double between now and the end of the century. There is also the field of plastics which has to be considered and notably polystyrene, polyurethanes and polyisocyanates. These can be injected and moulded in situ. To the extent that toxicity studies can definitively conclude that they are not harmful (urea-formol resins have just been prohibited), their future is brillant and their growth rate could reach about 200% per year. The big chemical and pharmaceutical companies are interested in these products and their portion of the market can rapidly go beyond their present 6 to 8%.

Moneta e quasi-moneta. (Money and quasi-money

Directory of Open Access Journals (Sweden)

F. CESARANO

2013-12-01

Full Text Available L'analisi della definizione degli aggregati monetari ha avuto un ruolo di primo piano nel dibattito sul denaro negli anni Sessanta e la prima metà degli anni Settanta . I problemi connessi con il rapporto tra denaro e quasi- denaro ha importanti implicazioni per i vari aspetti fondamentali della teoria monetaria e della politica monetaria . In Italia , per motivi legati alla peculiarità del  quadro istituzionale , il problema in questione non ha ricevuto molta attenzione . Solo di recente , a seguito della diffusione di strumenti di mercato monetario ,  molti partiti hanno sollevato la questione per quanto riguarda l'inclusione di questi strumenti nella definizione dello stock del denaro . Dopo aver spiegato la natura del problema , il presente lavoro fornisce un'analisi empirica della questione .The analysis of the definition of monetary aggregates has had a leading role in the debate on money in the sixties and the first half of the seventies. The problems associated with the relationship between money and quasi-money has important implications for various fundamental aspects of monetary theory and monetary policy. In Italy, for reasons related to the peculiar institutional framework, the issue in question has not received much attention. Only recently, as a result of the diffusion of money market instruments, have many parties raised the question regarding the inclusion of these instruments in the definition of the stock of money. After explaining the nature of the problem, the present work provides an empirical analysis of the issue.JEL: E42, E52

Labeling and advertising of home insulation. Final staff report to the Federal Trade Commission and proposed trade regulation rule (16 CFR Part 460)

Energy Technology Data Exchange (ETDEWEB)

1978-07-01

Because insulation is a very difficult product for uniformed consumers to evaluate, there has been broad support for a rule requiring disclosure of information facilitating choices among insulation products. With information that the Recommended Rule will require, consumers will be able to compare the thermal properties of various types of insulation and make the best purchases. The FTC undertook this rulemaking effort and proposed a Rule on November 18, 1977. Hearings were conducted. Approximately 50 witnesses representing insulation manufacturers, contractors, trade associations, consumer and environmental groups, and state and Federal government agencies attended. As the record shows, without the Rule, some insulation industry members have failed to base R-value claims on tests or have extrapolated values from too-thin samples. Neither labels nor ads disclose R values; most do not explain R value; and the industry is not telling consumers about factors that often reduce insulation R values. Consumers are seldom told about performance characteristics of individual types of insulation. They are not advised that insulation is not always a good investment, or that their money might be more wisely spent on other conservation measures. The Rule addresses all of these problems. All aspects of the insulation industry and some consumer characteristics are summarized. (MCW)

31 CFR 363.97 - What do I need to know if I transfer a book-entry savings bond to another person as a gift?

Science.gov (United States)

2010-07-01

... Bonds Purchased Through TreasuryDirect Gifts § 363.97 What do I need to know if I transfer a book-entry savings bond to another person as a gift? (a) You must certify online that the transfer is a gift. (b) You... a book-entry savings bond to another person as a gift? 363.97 Section 363.97 Money and Finance...

You owe it to yourself: boosting retirement saving with a responsibility-based appeal.

Science.gov (United States)

Bryan, Christopher J; Hershfield, Hal E

2012-08-01

Americans are not saving enough for retirement. Previous research suggests that this is due, in part, to people's tendency to think of the future self as more like another person than like the present self, making saving feel like giving money away rather than like investing in oneself. Using objective employer saving data, a field experiment capitalized on this phenomenon to increase saving. It compared the effectiveness of a novel message--one appealing to people's sense of "social" responsibility to their future selves--with a more traditional appeal to people's sense of rational self-interest. The social-responsibility-to-the-future-self message resulted in larger increases in saving than the self-interest message, but only to the extent that people felt a strong "social" connection to their future selves. These results broaden our understanding of the psychology of moral responsibility and refine our understanding of the role of future-self continuity in fostering intertemporal patience. They further demonstrate how understanding conceptions of the self over time can suggest solutions to important and challenging policy problems. (PsycINFO Database Record (c) 2012 APA, all rights reserved).

College Students Discount Money "Won" More than Money "Owed"

Science.gov (United States)

Weatherly, Jeffrey N.; Derenne, Adam; Terrell, Heather K.

2010-01-01

Evidence in the research literature indicates people may treat "won" money differently than they would their own money. The present study had a sample of 648 college students complete a delay-discounting task that involved the hypothetical monetary amounts of $1,000 or $100,000. Participants were asked repeatedly what amount they would…

The symbolic power of money: reminders of money alter social distress and physical pain.

Science.gov (United States)

Zhou, Xinyue; Vohs, Kathleen D; Baumeister, Roy F

2009-06-01

People often get what they want from the social system, and that process is aided by social popularity or by having money. Money can thus possibly substitute for social acceptance in conferring the ability to obtain benefits from the social system. Moreover, past work has suggested that responses to physical pain and social distress share common underlying mechanisms. Six studies tested relationships among reminders of money, social exclusion, and physical pain. Interpersonal rejection and physical pain caused desire for money to increase. Handling money (compared with handling paper) reduced distress over social exclusion and diminished the physical pain of immersion in hot water. Being reminded of having spent money, however, intensified both social distress and physical pain.

Money Creation and Destruction

OpenAIRE

Faure, Salomon; Gersbach, Hans

2017-01-01

We study money creation and destruction in today’s monetary architecture and examine the impact of monetary policy and capital regulation in a general equilibrium setting. There are two types of money created and destructed: bank deposits, when banks grant loans to firms or to other banks and central bank money, when the central bank grants loans to private banks. We show that equilibria yield the first-best level of money creation and lending when prices are flexible, regardless of the monet...

Hume and Endogenous Money

OpenAIRE

Maria Pia Paganelli

2006-01-01

David Hume’s monetary theory has three standard yet inconsistent readings. As a forefather of the quantity theory of money, Hume sees money as neutral. As an inflationist, Hume sees an active positive role for monetary policy. As a monetarist, Hume sees an active positive role for monetary policy only in the short run. This paper reads Hume consistently instead by showing that for Hume money is endogenous and demand-driven. Hume would read the money equation in terms of reverse causation and ...

Recovery and money management.

Science.gov (United States)

Rowe, Michael; Serowik, Kristin L; Ablondi, Karen; Wilber, Charles; Rosen, Marc I

2013-06-01

Social recovery and external money management are important approaches in contemporary mental health care, but little research has been done on the relationship between the two or on application of recovery principles to money management for people at risk of being assigned a representative payee or conservator. Out of 49 total qualitative interviews, 25 transcripts with persons receiving Social Security insurance or Social Security disability insurance who were at risk of being assigned a money manager were analyzed to assess the presence of recognized recovery themes. The recovery principles of self-direction and responsibility were strong themes in participant comments related to money management. Money management interventions should incorporate peoples' recovery-related motivations to acquire financial management skills as a means to direct and assume responsibility for one's finances. Staff involved in money management should receive training to support client's recovery-related goals. (PsycINFO Database Record (c) 2013 APA, all rights reserved).

Money Inventories in Search Equilibrium

OpenAIRE

Berentsen, Aleksander

1998-01-01

The paper relaxes the one unit storage capacity imposed in the basic search-theoretic model of fiat money with indivisible real commodities and indivisible money. Agents can accumulate as much money as they want. It characterizes the stationary distributions of money and shows that for reasonable parameter values (e.g. production cost, discounting, degree of specialization) a monetary equilibrium exists. There are multiple stationary distributions of a given amount of money, which differ in t...

ResStock - Targeting Energy and Cost Savings for U.S. Homes

Energy Technology Data Exchange (ETDEWEB)

Wilson, Eric J [National Renewable Energy Laboratory (NREL), Golden, CO (United States)

2017-09-29

The ResStock analysis tool is helping states, municipalities, utilities, and manufacturers identify which home upgrades save the most energy and money. Across the country there's a vast diversity in the age, size, construction practices, installed equipment, appliances, and resident behavior of the housing stock, not to mention the range of climates. These variations have hindered the accuracy of predicting savings for existing homes. Researchers at the National Renewable Energy Laboratory (NREL) developed ResStock. It's a versatile tool that takes a new approach to large-scale residential energy analysis by combining: large public and private data sources, statistical sampling, detailed subhourly building simulations, high-performance computing. This combination achieves unprecedented granularity and most importantly - accuracy - in modeling the diversity of the single-family housing stock.

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.

The Multidisciplinary Economics of Money Laundering

OpenAIRE

Ferwerda, J.

2012-01-01

Money laundering has been studied for many years, but mainly by lawyers and criminologists. This dissertation presents a number of ways on how an economist – mainly in a multidisciplinary fashion – can contribute to this field of research. This dissertation answers four important questions about money laundering: Why should we fight money laundering? How is money laundered? In which sectors is money laundered? And how can we fight money laundering? The literature mentions 25 effects of money ...

Money illusion and coordination failure

DEFF Research Database (Denmark)

Fehr, Ernst; Tyran, Jean-Robert

2007-01-01

Economists long considered money illusion to be largely irrelevant. Here we show, however, that money illusion has powerful effects on equilibrium selection. If we represent payoffs in nominal terms, choices converge to the Pareto inferior equilibrium; however, if we lift the veil of money...... by representing payoffs in real terms, the Pareto efficient equilibrium is selected. We also show that strategic uncertainty about the other players' behavior is key for the equilibrium selection effects of money illusion: even though money illusion vanishes over time if subjects are given learning opportunities...... in the context of an individual optimization problem, powerful and persistent effects of money illusion are found when strategic uncertainty prevails...

The Meaning of Money: The Measurement and Dimensionality of the Money Ethic Scale.

Science.gov (United States)

Tang, Thomas Li-Ping; Kim, Jwa K.

Money has been recognized as an important factor to attract, retain, and motivate employees and has significant impacts on people's behavior, performance, and effectiveness in organizations. Created to evaluate the validity of the Money Ethic Scale, this study investigates the measurement and dimensionality of money attitudes through…

Energy-Smart Building Choices: How School Facilities Managers and Business Officials Are Reducing Operating Costs and Saving Money

International Nuclear Information System (INIS)

Energy Smart Schools Team

2001-01-01

Most K-12 schools could save 25% of their energy costs by being smart about energy. Nationwide, the savings potential is$6 billion. While improving energy use in buildings and busses, schools are likely to create better places for teaching and learning, with better lighting, temperature control, acoustics, and air quality. This brochure, targeted to school facilities managers and business officials, describes how schools can become more energy efficient

Predicate Offences of Money Laundering and Anti Money Laundering Practices in Bangladesh Among South Asian Countries

Directory of Open Access Journals (Sweden)

Islam Mohammad Saiful

2017-12-01

Full Text Available The purpose of the study is to identify the main reasons of money laundering in Bangladesh among the twenty seven predicate offences of money laundering prescribed by Bangladesh Bank and position of Bangladesh among South Asian Countries regarding anti-money laundering practices. Besides, an anti-money laundering model has been developed to combat against money laundering as 14 percent bankers think that only existing know your customer form and transaction profile of banking sector are not enough to detect money laundering. To conduct the study, 91 bankers have been surveyed to take response through structured questionnaire regarding their opinion about the predicate offences of money laundering and sufficiency of existing KYC form of banking sector to detect money laundering. From the responses, factor analysis, test of hypothesis, correlation and regression analysis have been conducted using SPSS software. The study identifies that predicate offences of money laundering can be minimized mainly through scrutinizing the activities of local criminals with foreign network and strict anti-corruption measures through automation in National Board of Revenue, strict policy adoption of criminal detection and support from foreign experts. Besides, regression model shows that only six predicate offences of money laundering explains 87.2 percent of money laundering that should get more emphasize to combat against money laundering. From the comparative analysis, it has been found that Bangladesh in holding better position just after India among six South Asian Countries according to Basel AML Index score. This study provides a complete understanding of the position of Bangladesh in case of money laundering and anti-money laundering practices. The integration of four domains, i.e. AML model development, factor analysis, econometric analysis and comparative analysis of AML index will provide insights to managers and policy makers about the money laundering

Money Matters. FDIC Money Smart Financial Education Curriculum = Cuestiones de Dinero. FDIC Money Smart Plan de Educacion para Capacitacion en Finanzas.

Science.gov (United States)

Federal Deposit Insurance Corp., Washington, DC.

This module on how to keep track of one's money is one of ten in the Money Smart curriculum, and includes an instructor guide and a take-home guide. It was developed to help adults outside the financial mainstream enhance their money skills and create positive banking relationships. It is designed to enable participants to prepare a personal…

Philosophy of Money

CERN Document Server

Simmel, Georg; Frisby, David; Bottomore, Tom

2011-01-01

In The Philosophy of Money, Georg Simmel provides us with a now classic discussion of the social, psychological and philosophical aspects of the money economy, full of brilliant insights into the forms that social relationships take.

ENDOGENEITY OF INDONESIAN MONEY SUPPLY

OpenAIRE

Rachma, Meutia Safrina

2011-01-01

There has been a long debate about the endogeneity of money supply. The main objective of this article is to identify whether money supply in Indonesia is an exogenous or an endogenous variable. Using a Vector Autoregressive model and monthly data 1997(5)-2010(6), the estimation result shows that money supply in Indonesia is an endogenous variable. The movement of broad money supply does influence the movement of base money and Consumer Price Index. Consequently, the central bank does not hav...

Endogeneity Of Indonesian Money Supply

OpenAIRE

Rachma, Meutia Safrina

2010-01-01

There has been a long debate about the endogeneity of money supply. The main objective of this article is to identify whether money supply in Indonesia is an exogenous or an endogenous variable. Using a Vector Autoregressive model and monthly data 1997(5)-2010(6), the estimation result shows that money supply in Indonesia is an endogenous variable. The movement of broad money supply does influence the movement of base money and Consumer Price Index. Consequently, the central bank does not hav...

Evaluation of Naval Aviation Enterprise Airspeed's Generation of Measurable Cost Savings and Reinvestment for Recapitalization of the Future Navy and Marine Corps

National Research Council Canada - National Science Library

Williams, Robert J

2007-01-01

.... Through the implementation of AIRSpeed, the NAE strives to provide the right amount of readiness at the right cost, so that money can be saved and returned to the Navy and Marine Corps to recapitalize the Fleet...

Disordered Money Behaviors: Development of the Klontz Money Behavior Inventory

Directory of Open Access Journals (Sweden)

Brad T Klontz

2012-06-01

Full Text Available Much of the existing literature on financial behavior focuses on basic money management tasks (e.g., balancing a checkbook. However, it can be equally important to identify problematic financial behaviors that can sabotage one’s financial health. The purpose of this study was to create an assessment tool that can be used by mental health and financial professionals to identify disordered money behaviors that may impede on progress towards one’s financial goals. This study asked 422 respondents to indicate their agreement with disordered money behaviors, including compulsive buying, pathological gambling, compulsive hoarding, workaholism, financial enabling, financial dependence, financial denial, and financial enmeshment, which were correlated with demographic characteristics and financial outcomes. The results identified eight subscales derived from 68 disordered money behavior items. All eight subscales were found to have high reliability in measuring disordered behaviors, and six were associated with negative financial health indicators (e.g. less net worth, less income, and/or more revolving credit.

Money neutrality: Rethinking the myth

Directory of Open Access Journals (Sweden)

Issaoui Fakhri

2015-01-01

Full Text Available Considered as an axiomatic basis of classical, neoclassical, and monetarist theories, the long-run money neutrality assumption does not always seem to be verified. Indeed, in our view, the money, in the sense of M2, can constitute a long-run channel of growth transmission. Thus, this paper examines the long-term relationship among money supply (M2, income (GDP, and prices (CPI. The subprime crisis in 2007 has shown that the demand for money does not only meet motives of transaction, precaution, and speculation but also of fictional or quasi-fictional future demands due to the fact that they are created without real counterparts. The capacity of production systems in developed countries to respond to increases in money supply by creating more wealth, involves the assumption of money neutrality in the long-run. However, in developing countries, the excess of money supply may lead to inflation trends. The present study has confirmed the long-term non-neutrality of money supply in the USA, and its neutrality in Gabon and Morocco.

Vaginal microbicides save money: a model of cost-effectiveness in South Africa and the USA.

Science.gov (United States)

Verguet, S; Walsh, J A

2010-06-01

To determine the hypothetical cost-effectiveness of vaginal microbicides preventing male to female HIV transmission. A mathematical epidemiological and cost-effectiveness model using data from South Africa and the USA was used. The prospective 1-year-long intervention targeted a general population of women in a city of 1,000,000 inhabitants in two very different epidemiological settings, South Africa with a male HIV prevalence of 18.80% and the USA with a male HIV prevalence of 0.72%. The base case scenario assumes a microbicide effective at 55%, used in 30% of sexual episodes at a retail price for the public sector in South Africa of US$0.51 per use and in the USA of US$2.23 per use. In South Africa, over 1 year, the intervention would prevent 1908 infections, save US$6712 per infection averted as compared with antiretroviral treatment. In the USA, it would be more costly: over 1 year, the intervention would prevent 21 infections, amounting to a net cost per infection averted of US$405,077. However, in the setting of Washington DC, with a higher HIV prevalence, the same intervention would prevent 93 infections and save US$91,176 per infection averted. Sensitivity analyses were conducted and even a microbicide with a low effectiveness of 30% would still save healthcare costs in South Africa. A microbicide intervention is likely to be very cost-effective in a country undergoing a high-level generalised epidemic such as South Africa, but is unlikely to be cost-effective in a developed country presenting epidemiological features similar to the USA unless the male HIV prevalence exceeds 2.4%.

Itinerancy of money

Science.gov (United States)

Yasutomi, Ayumu

2003-09-01

Previously, I studied [Physica D 82, 180-194 (1995)] the emergence and collapse of money in a computer simulation model. In this paper I will revisit the same topic, building a model in the same line. I discuss this problem from the viewpoint of chaotic itinerancy. Money is the most popular system for evading the difficulty of exchange under division of labor. It emerges autonomously from exchanges among selfish agents which behave as automata. And such emergent money collapses autonomously. I describe money as a structure in economic space, explaining its autonomous emergence and collapse as two phases of the same phenomenon. The key element in this phenomenon is the switch of the meaning of strategies. This is caused by the drastic change of environment caused by the emergence of a structure. This dynamics shares some aspects with chaotic itinerancy.

Government, Money, and International Politics

OpenAIRE

Hoppe, Hans-Hermann

2003-01-01

In this paper, the author deals with: (1) Definition of government; incentive structure under government: taxation, war and territorial expansion. (2) Origin of money; government and money; the devolution of money from commodity to fiat money. (3) International politics and monetary regimes; monetary imperialism and the drive toward a one-world central bank and fiat currency.

Pattern of Demand For Money

Directory of Open Access Journals (Sweden)

Ahmad Berlian

2017-12-01

Full Text Available In the activity of the modern economy, the availability of money as a means of transaction is very important, because with the money as a means to pay consumers can easily to get the basic material needs are required, the manufacturer can provide the raw materials of labor for production, and distributors can obtain a variety of merchandise to be delivered at the end consumer. The pattern of use of money is influenced by the attitude of the public in the transaction. Researchers assume, that there are differences among communities, either by group differences in income, educational differences, ethnic differences, differences in profession, and perhaps even religious differences embraced. So as to provide information to the monetary authorities, to enrich the theory of demand for money based economic agents in Indonesia, and for the application of the theory of demand for money, the researchers felt the need to study patterns of use of money. Qualitative research, in addition to knowing whether the variables that affect the demand for money as the above theory is still relevant for economic actors in Indonesia at this time, or even are new variables, as well as the motive of money demand. Keywords: Demand for money, Keynes Theory, qualitative method

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.

DSM energy saving pilot project report. Company Augstceltne Ltd., Riga, Latvia

Energy Technology Data Exchange (ETDEWEB)

Krievins, P.; Cakuls, A.; Kaross, V.; Jansons, D.

1995-05-01

This report is a part of the Joint Latvian - Danish Project DEMAND SIDE MANAGEMENT AND ENERGY SAVING. The Project is a part of the Danish aid and technology transfer to Latvia. It is the result of collaborative efforts between a Latvian team, consisting of the specialists from Latvenergo and a Danish team, which was represented by Danish Power Consult. The purpose of this pilot project was not only to carry out energy audit in the company Augstceltne Ltd and propose demand side management and energy saving measures. Another task of the project was the application of DPC energy audit methodic, measuring equipment and software in Latvian conditions and the promotion of energy saving programs in Latvia in this way. The Company Augstceltne Ltd was created to rent the rest of premises for many other independent companys and to earn money for surviving. Now the Company has 9 buildings with a total area of 26,920 square meters. The tower block has 23 floors and it is the main business centre. 66 companies are located in the building. (EG)

GENDERED DOLLARS: Pin Money, Mad Money, and Changing Notions of a Woman’s Proper Place

OpenAIRE

Janice Traflet

2008-01-01

This essay examines the evolution in the meaning and usage of two types of special currencies: pin money and mad money. At the start of the twentieth century, both currencies were considered a woman’s money. By the end of the century, however, both pin money and mad money had lost a large measure of their original gendered connotations. By situating the evolving meanings of these currencies alongside concepts of domesticity, virtuous womanhood, and a woman’s proper place, this essay strives t...

The Effects of Roof and Wall Insulation on the Energy Costs of Low Income Housing in Mexico

Directory of Open Access Journals (Sweden)

Jorge Lucero-Álvarez

2016-06-01

Full Text Available Environmental conditions, such as air temperature and solar radiation, have a complex relationship with the energy requirements for heating and cooling of residential buildings. In this work, a comparative analysis of the insulation methods most commonly applied to low income single-family houses in Mexico is presented, in order to find the most energy-efficient combinations of methods for the various climates in this country. A common kind of building, small houses built with hollow cinder block walls and concrete slab roofs, was analyzed considering three insulation scenarios: walls only, roof only and both. We used dynamic simulation to evaluate energy consumption under the climate conditions found in several Mexican cities. From the energy consumption data and the cost of electricity in Mexico, we calculated net annual energy costs, including both annual energy savings and the annualized cost of the initial investment in better insulation. Results of this analysis show that insulating both roof and walls is most effective in cities with cold winters; insulating just the roof is best for temperate climates; and insulating walls (combined with high-albedo roofs is most effective for cities with year-long warm weather.

Some Environmental and Economic Aspects of Energy Saving Measures in Houses. An estimation model for total energy consumption and emissions to air from the Norwegian dwelling stock, and a life cycle assessment method for energy saving measures in houses

Energy Technology Data Exchange (ETDEWEB)

Myhre, L

1995-12-01

Motivated by the need to reduce the total energy consumption and the environmental load from society, this doctoral thesis discusses energy conservation measures on existing houses. Alternative additional thermal insulation measures are assessed using an interdisciplinary life cycle approach. The first task is to develop an interdisciplinary assessment method for building improvement measures, taking account of energy consumption, resource consumption, emissions to air of environmentally harmful gases, and economic costs during the entire life cycle of the building. The second task is to develop an estimation model for the total energy consumption and emissions to air of environmentally harmful gases from the dwelling stock of Norway. Finally, the third task is to assess the total energy saving potential and the total environmental benefits of energy saving measures in houses on a national level, including only life cycle analyses of additional thermal insulation measures on single houses. Chap 2 describes the dwelling stock in Norway. Chaps 3 and 4 present an estimation model for total energy consumption and emissions to air from the dwelling stock, and calculations using the model. Chaps 5 and 6 propose and use a calculation method for the assessment of additional thermal insulation measures, using a ``cradle-to-grave`` approach. Since hydroelectric power is the main energy source in this sector in Norway, estimated payback periods for emissions to air are long. But hydroelectric power saved in this sector may be used to obtain reduction in fossil fuel use in other sectors as discussed in Chap 7. Some of the topics discussed are further elaborated on in appendices. 107 refs., 39 figs, 88 tabs.

Optimization of heat saving in buildings using unsteady heat transfer model

Directory of Open Access Journals (Sweden)

Dedinec Aleksandra

2015-01-01

Full Text Available Reducing the energy consumption growth rate is increasingly becoming one of the main challenges for ensuring sustainable development, particularly in the buildings as the largest end-use sector in many countries. Along this line, the aim of this paper is to analyse the possibilities for energy savings in the construction of new buildings and reconstruction of the existing ones developing a tool that, in terms of the available heating technologies and insulation, provides answer to the problem of optimal cost effective energy consumption. The tool is composed of an unsteady heat transfer model which is incorporated into a cost-effective energy saving optimization. The unsteady heat transfer model uses annual hourly meteorological data, chosen as typical for the last ten-year period, as well as thermo physical features of the layers of the building walls. The model is tested for the typical conditions in the city of Skopje, Macedonia. The results show that the most cost effective heating technology for the given conditions is the wood fired stove, followed by the inverter air-conditioner. The centralized district heating and the pellet fired stoves are the next options. The least cost effective option is the panel that uses electricity. In this paper, the optimal insulation thickness is presented for each type of heating technology.

Community based social marketing for implementation of energy saving targets at local level

Directory of Open Access Journals (Sweden)

Dalia Streimikiene

2015-05-01

Full Text Available Energy saving and greenhouse gas (GHG emission reduction policies at local level need to be investigated and new tools for climate change mitigation are necessary seeking to achieve GHG emission targets in Lithuania. Most Lithuanian municipalities have signed Covenant of Mayors and have prepared local energy action plans. However, all these plans include just energy saving measures on supply side and renovation of buildings. Nevertheless, the significant energy savings and GHG emission reductions can be achieved through behavioural changes. The aim of the paper is to apply community based social marketing approach in assessment of achievable energy saving and GHG emission reduction targets set by local energy action plans. The paper presents the results of case study implemented in Kaunas region municipality. The case study was conducted by creating focus groups and applying two scenarios: baseline or doing nothing and climate change mitigation scenario including intervention measures. The results of case study revealed that the total energy consumption reduction target set in Sustainable energy development strategy of Kaunas region county - 11% - can be achieved by combining results of energy consumption reduction in both focus groups. The survey conducted after study finalization revealed that respondents were provided with a lot of additional knowledge during the study and achieved real money savings. The major barriers of energy savings in households are related with the lack of information on energy savings and GHG emission reduction.

Money Laundering and its Regulation

OpenAIRE

Alberto E. Chong; Florencio López-de-Silanes

2007-01-01

The recent wave of terrorist attacks has increased the attention paid to money laundering activities. Using several methodologies, this paper investigates empirically the determinants of money laundering and its regulation in over 80 countries by assembling a cross-country dataset on proxies for money laundering and the prevalence of feeding activities. The paper additionally constructs specific money laundering regulation indices based on available information on laws and their mechanisms of...

Exchanging the liquidity hypothesis: Delay discounting of money and self-relevant non-money rewards.

Science.gov (United States)

Stuppy-Sullivan, Allison M; Tormohlen, Kayla N; Yi, Richard

2016-01-01

Evidence that primary rewards (e.g., food and drugs of abuse) are discounted more than money is frequently attributed to money's high degree of liquidity, or exchangeability for many commodities. The present study provides some evidence against this liquidity hypothesis by contrasting delay discounting of monetary rewards (liquid) and non-monetary commodities (non-liquid) that are self-relevant and utility-matched. Ninety-seven (97) undergraduate students initially completed a conventional binary-choice delay discounting of money task. Participants returned one week later and completed a self-relevant commodity delay discounting task. Both conventional hypothesis testing and more-conservative tests of statistical equivalence revealed correspondence in rate of delay discounting of money and self-relevant commodities, and in one magnitude condition, less discounting for the latter. The present results indicate that liquidity of money cannot fully account for the lower rate of delay discounting compared to non-money rewards. Copyright © 2015 Elsevier B.V. All rights reserved.

The Leger house: an affordable super insulated home

Energy Technology Data Exchange (ETDEWEB)

Anon

2000-03-01

Building and energy efficient house in a cost-effective manner is not an easy task. The house described in this article is a 1200 sq.ft house, built on the principle of the Arkansas house, a sophisticated example of advanced wood frame construction, meets both these requirements, i.e. it is both energy efficient and good value for the money. It is built on a cast-in place concrete foundation with advanced framing construction techniques, staggered studs spaced on 24 inch centres, on separate plates forming an eight inch thick wall. The exterior sheathing is Dow Styrofoam, over which vinyl siding is installed. Thermal bridging, which is the weak point in conventional framing, received special attention. The outer walls are placed in such a way that they do not touch the floor joist and the plywood subfloor. Windows are wood framed, double glazed, a combination of casement and double hung, with storm windows, and sliding units. The clear span roof truss design gives the freedom of an open interior allowing a continuous unbroken ceiling vapour diffusion retarder. Drywall and oak flooring was installed without interference from partitions which were installed after the ceiling and the floor were in place. All lighting fixtures are on the partitions, so there is no need for penetration of the top plates in the partitions. Similarly, there is no wiring or plumbing in the exterior walls. Insulated steel doors, with magnetic weather stripping open to two airlocks. Domestic hot water and space heating is provided by a tank-less 43,800 Btu/hr Paloma natural gas heater. The water is kept at 160 degrees F and supplied to 46 feet of baseboard. A small conventional air-conditioning unit is installed but was only used for or a total of 12 hours since 1979, since during most of the hot summer days the rooms remain satisfactorily cool at about 80 degrees F, provided doors and windows are kept shut. A heat recovery ventilator has been installed subsequently, but is not considered

Infrared-transmittance tunable metal-insulator conversion device with thin-film-transistor-type structure on a glass substrate

Directory of Open Access Journals (Sweden)

Takayoshi Katase

2017-05-01

Full Text Available Infrared (IR transmittance tunable metal-insulator conversion was demonstrated on a glass substrate by using thermochromic vanadium dioxide (VO2 as the active layer in a three-terminal thin-film-transistor-type device with water-infiltrated glass as the gate insulator. Alternative positive/negative gate-voltage applications induce the reversible protonation/deprotonation of a VO2 channel, and two-orders of magnitude modulation of sheet-resistance and 49% modulation of IR-transmittance were simultaneously demonstrated at room temperature by the metal-insulator phase conversion of VO2 in a non-volatile manner. The present device is operable by the room-temperature protonation in an all-solid-state structure, and thus it will provide a new gateway to future energy-saving technology as an advanced smart window.

Energy consumption, energy savings, and emission analysis in Malaysian office buildings

International Nuclear Information System (INIS)

Saidur, R.

2009-01-01

This paper is concerned with the estimation of energy use in office buildings in Malaysia and with the energy use of major equipment. Energy intensity (EI) - a measure of a building's energy performance - is estimated for Malaysia and compared with a number of selected countries. Air conditioners are shown to be the major energy users (57%) in office buildings, followed by lighting (19%), lifts and pumps (18%) and other equipment (6%). It is estimated that 77,569 MWh of energy can be saved and a huge reduction of emissions achieved through the application of advance glazing, compact fluorescent lamps (CFL), insulation, housekeeping, and by raising thermostat set point temperature of air conditioners, and reducing EI. It is also estimated that a very substantial amount of energy can be saved by making use of energy-efficient motors in building systems with different motor loading percentages. Finally, it can be shown that the use of variable speed drives (VSDs) and energy-efficient motors leads to substantial energy savings and an enormous reduction in emissions.

The Economics of Crime and Money Laundering: Does Anti-Money Laundering Policy Reduce Crime?

NARCIS (Netherlands)

Ferwerda, J.|info:eu-repo/dai/nl/314405526

2008-01-01

Anti-money laundering policy has become a major issue in the Western world, especially in the United States after 9-11. Basically all countries in the world are more or less forced to cooperate in the global fight against money laundering. In this paper, the criminalization of money laundering is

Money laundering

OpenAIRE

Kratochvílová, Eliška

2012-01-01

Money laundering is marginalized phenomenon with high social impact which comes from necessary connection of this activity with illegal activities, especially organized crime. Since the goal of almost every illegal activity is to create profit (and since the biggest profit comes from the activities which are highly dangerous for the society, such as drug trafficking) it is vital for the society to fight money laundering effectively. It is in the best interest of the whole society to fight thi...

Time, money, and morality.

Science.gov (United States)

Gino, Francesca; Mogilner, Cassie

2014-02-01

Money, a resource that absorbs much daily attention, seems to be involved in much unethical behavior, which suggests that money itself may corrupt. This research examined a way to offset such potentially deleterious effects-by focusing on time, a resource that tends to receive less attention than money but is equally ubiquitous in daily life. Across four experiments, we examined whether shifting focus onto time can salvage individuals' ethicality. We found that implicitly activating the construct of time, rather than money, leads individuals to behave more ethically by cheating less. We further found that priming time reduces cheating by making people reflect on who they are. Implications for the use of time primes in discouraging dishonesty are discussed.

Money talks? An experimental investigation of cheap talk and burned money

NARCIS (Netherlands)

de Haan, T.; Offerman, T.; Sloof, R.

2015-01-01

We experimentally study the strategic transmission of information in a setting where both cheap talk and money can be used. Theoretically, many equilibria exist side by side, in which senders use either costless messages, money, or both. We find that senders prefer to communicate through costless

The Evolution of Paper Money

OpenAIRE

Levintal, Oren; Zeira, Joseph

2009-01-01

This paper tells the story of how paper money evolved as a result of lending by banks. While lending commodity money requires holding large reserves of commodity money to ensure liquidity, issuing convertible paper money reduces these costs significantly. The paper also examines the possibility of issuing inconvertible notes and shows that while they further reduce the cost of borrowing they also have adverse effects on the stability of the banking system. As a result, governments often inter...

THE ORIGINS AND NATURE OF MONEY

Directory of Open Access Journals (Sweden)

Mihaela IAVORSCHI

2014-06-01

Full Text Available The importance of money and the role they hold in the economy can be seen as the keystone of economic life. For a better understanding of the essence of the monetary phenomena it is especially important to turn to history and see how money was born. By turning to their origins, we discover the real fundaments of monetary issues. Only after such a systematic analysis we will be able to suggest the appropriate solutions for the current monetary issues. Therefore, in this study I will research the origin of money and their functionality on the market.The aim of this paper is to analyse the origin of money as a social institution. The appearance and use of money has prehistoric roots. People have turned to the usage of money out of need to facilitate trade. During thousands of years money has known different forms going from money as merchandise, to coins and later to paper money and electronic currency. In this study I have analysed the role of natural money, as well as their production and functionality on the market. The main questionto be answered is whether the production and functionality of paper money nowadays is the consequence of the free market, having the Austrian’s School liberal perspective as a starting point. This methodological approach demonstrates that money is and will remain a social institution and the implication of the authorities in the currency issuing, even from ancient times, has caused distortions in the economic activity.

Anti-Money Laundering Regulations And The Effective Use Of Mobile Money In South Africa – Part 2

Directory of Open Access Journals (Sweden)

Marike Kersop

2015-12-01

Full Text Available Mobile financial services, specifically mobile money, has the potential to expand access to financial services to millions of unbanked people in South Africa. As such, it looks very promising in terms of financial inclusion. However, concerns exist that mobile money can be detrimental to financial integrity since there are several proven risk factors linked to mobile financial services. These risk factors make mobile money very susceptible to money laundering. The potential for abuse and the need for appropriate controls is therefore something which cannot be ignored. While the South African legislator has made provision for comprehensive anti-money laundering preventative measures by means of the Financial Intelligence Centre Act 38 of 2001, there exists no South African legislation explicitly concerned with mobile money. It is therefore difficult to determine what the regulatory stance is in terms of mobile money in South Africa. The Financial Action Task Force (FATF is, however, currently focusing attention on the effect which mobile money may have on financial integrity. The latest FATF Recommendations make provision for several anti-money laundering controls which are specifically applicable to mobile money, including controls regarding money or value transfer services and new technologies. While it is always difficult to balance financial integrity and financial inclusion, the risk-based approach makes it possible for governments to implement effective anti-money laundering measures, thereby preserving financial integrity, without the need to compromise on financial inclusion objectives. The fact that South Africa has not fully adopted a risk-based approach is a problem which needs to be addressed if mobile money is to deliver on its promises for financial inclusion, without being detrimental to financial integrity

Money talks? An experimental investigation of cheap talk and burned money

NARCIS (Netherlands)

de Haan, T.; Offerman, T.; Sloof, R.

2011-01-01

We experimentally study the strategic transmission of information in a setting where both cheap talk and money can be used for communication purposes. Theoretically a large number of equilibria exist side by side, in which senders either use costless messages, money, or a combination of the two. We

Money talks? An experimental investigation of cheap talk and burned money

NARCIS (Netherlands)

de Haan, T.; Offerman, T.; Sloof, R.

2012-01-01

We experimentally study the strategic transmission of information in a setting where both cheap talk and money can be used for communication purposes. Theoretically a large number of equilibria exist side by side, in which senders either use costless messages, money, or a combination of the two. We

Energy consumption and commercial applications of liquid foam insulation technology for greenhouses

Energy Technology Data Exchange (ETDEWEB)

Villeneuve, J. [Environnement-MJ, Quebec City, PQ (Canada); De Halleux, D. [Laval Univ., Quebec City, PQ (Canada). Dept. des Sols et de Genie Agroalimentaire; Aberkani, K. [Laval Univ., Quebec City, PQ (Canada). Centre de Recherche en Horticulture; Vineberg, S. [Sunarc of Canada, Montreal, PQ (Canada)

2010-07-01

Sunarc of Canada has developed an energy saving system for commercial greenhouse growers. Large amounts of energy are needed to operate commercial greenhouses in northern latitudes, and as energy prices fluctuate, it is important to enable growers to control their microclimate. Sunarc's liquid foam insulating system was installed in 2007 at 2 sites in Ontario. The first site had an area of 14,700 ft{sup 2} while the other site had an area of 43,000 ft{sup 2}. Both facilities were monitored for energy use during the winter period. Night-time energy savings ranged from above 60 per cent to below 10 per cent depending on outdoor temperatures. The greater savings occurred during colder outdoor temperatures. Monthly average night-time energy savings from February, March and April were 46.6, 42, and 32.3 per cent respectively. After initial commercial testing, the liquid foam system was re-engineered to optimize operations, reduce fill time, and improve liquid foam formulas. The new system was installed at a third site in Quebec as a demonstration unit. The company is currently negotiating international distribution rights with several partners.

Veblen effect, marginal utility of money, and money illusion

OpenAIRE

Malakhov, Sergey

2013-01-01

The paper discovers microeconomic mechanism of Veblen effect as well as of Giffen case as results of the negative marginal utility of money. The marginal utility of consumption also becomes negative. The total consumption-leisure utility is increased due to the increase in leisure time. This overall effect results in the phenomenon of money illusion on the macroeconomic level. This general effect has deep historical and institutional grounds and, in order to minimize its disequilibrium econom...

THE TWO SIDES OF MONEY LAUNDERING

Directory of Open Access Journals (Sweden)

Corina – Maria ENE

2014-12-01

Full Text Available The mainly goal of money laundering is to carry out more and more illegal economic transactions or activities to produce individual or groups gains and then to legitimate them. Money laundering converts illicit source of money generated by criminal activities in order to hide the connection between money and their original illegal activities. This is one of money laundering side. The second side implies corruption. While money laundering is a passing channel for illicit funds due to its criminal origin source, such funds may derive from corruption offences. All corruption’s forms represent the most important illicit funds branches for money laundering process. Corrupt people methods used to exploit the national and international financial system reflect the relationship between those two criminal activities. Criminals achieve their personal interests by hiding their corruption proceeds and transfer these gains to official economies. Corruption spread in any society entails money laundering spread, and the converse, too. There is a quite “indecent” relationship between money laundering and corruption. This paper tries to identify the multiple connections between the two phenomenons showing the negative impacts these criminal behaviours are having on the national and international economy. We conclude by highlighting the necessity of a multidisciplinary approach in order to fight against money laundering and corruption by integrating these problem frameworks at national level. International community must focus their resources on money laundering and corruption risks areas and maximize their response impact.

Bitcoin and Beyond: Exclusively Informational Money

NARCIS (Netherlands)

Bergstra, J.A.; de Leeuw, K.

2013-01-01

The famous new money Bitcoin is classified as a technical informational money (TIM). Besides introducing the idea of a TIM, a more extreme notion of informational money will be developed: exclusively informational money (EXIM). The informational coins (INCOs) of an EXIM can be in control of an agent

Money Matters and Money Talks: German Children’s Experiences with and Perspectives on Their Own Money

OpenAIRE

Gebauer, Anja

2013-01-01

The following thesis rectifies the often assumed notion that children are economic innocents and portrays the full complexity of children’s economic lives. It traces the experiences of 17 German 6 to 8 year old children with their own money and explores their perspectives on their money relations. Empirical data is derived from semi-structured individual interviews and focus-group discussions with children, children’s drawings as well as semi-structured interviews with the parents of these ch...

Improving efficiency and saving money in an otolaryngology urgent referral clinic.

Science.gov (United States)

Ibrahim, Nader; Virk, Jagdeep; George, Jason; Elmiyeh, Behrad; Singh, Arvind

2015-06-16

A closed loop audit of the ear nose and throat (ENT) urgent referral clinic at a London hospital was conducted assessing the number of patients reviewed, referral source, appropriateness of referral, presenting complaint and assigned follow-up appointments. Data was sourced from clinic letters and the patient appointment system over a 3-mo period. The initial cycle analysed 490 patients and the subsequent cycle 396. The initial audit yielded clinically relevant and cost effective recommendations which were implemented, and the audit cycle was subsequently repeated. The re-audit demonstrated decreased clinic numbers from an average 9.8 to 7.2 patients per clinic, in keeping with ENT United Kingdom guidelines. A 21% decrease in patient follow-up and 13% decrease in inappropriate referrals was achieved. Direct bookings into outpatient clinics decreased by 8%, due to correct referral pathway utilisation. Comparisons of all data sets were found to show statistical significance P saving of £32490 in a period of 3 mo (£590 per clinic). We demonstrated that simple guidelines, supervision and consultant-led education which are non-labour intensive can have a significant impact on service provision and cost.

Combinatorial Auctions without Money

Science.gov (United States)

2014-05-01

istence of thresholds (a.k.a., critical prices) (for every set). The result in Theorem 3.4 relates to the characterization of truthful CAs with money and no...with money and no verification, each bidder optimizes her valu- ation minus the critical price over all her demanded sets; in the setting without money...auctions. ICALP, pp. 90-101, 2010. [2] P. Briest, P. Krysta, and B. Vöcking. Approximation techniques for utilitarian mechanism design. STOC, pp. 39-48

Advances in Thermal Insulation. Vacuum Insulation Panels and Thermal Efficiency to Reduce Energy Usage in Buildings

Energy Technology Data Exchange (ETDEWEB)

Thorsell, Thomas

2012-07-01

procedure incorporates specific steps exposing the wall to different climate conditions, ranging from cold and dry to hot and humid, with and without a pressure gradient. This study showed that air infiltration alone might decrease the thermal resistance of a residential wall by 15 %, more for industrial walls. Results from the research underpin a discussion concerning the importance of a holistic approach to building design if we are to meet the challenge of energy savings and sustainability. Thermal insulation efficiency is a main concept used throughout, and since it measures utilization it is a partial measure of sustainability. It is therefore proposed as a necessary design parameter in addition to a performance indicator when designing building envelopes. The thermal insulation efficiency ranges from below 50 % for a wood stud wall poorly designed with incorporated VIP, while an optimized design with VIP placed in an uninterrupted external layer shows an efficiency of 99 %, almost perfect. Thermal insulation efficiency reflects the measured wall performance full scale test, thus indicating efficiency under varied environmental loads: heat, moisture and pressure. The building design must be as a system, integrating all the subsystems together to function in concert. New design methodologies must be created along with new, more reliable and comprehensive measuring, testing and integrating procedures. New super insulators are capable of reducing energy usage below zero energy in buildings. It would be a shame to waste them by not taking care of the rest of the system. This thesis details the steps that went into this study and shows how this can be done Key words: Vacuum insulation panels, VIP, serpentine edge, thermal bridge, composite film, gas diffusion, defect dominated, holistic approach, building enclosure, integrated testing and modeling, energy equivalent, field performance, air flow, thermal insulation efficiency.

Save with Solar and Wind, Summer 2002 (Newsletter)

Energy Technology Data Exchange (ETDEWEB)

2002-07-01

This newsletter is published by the Department of Energy's Federal Energy Management Program. It is intended for facility managers, contracting officials, energy specialists, and others involved in helping Federal agencies increase their use of cost-effective solar and wind energy systems at their facilities. Renewable energy systems ultimately save agencies money by reducing utility costs; they also help to lower the emissions associated with the use of fossil fuels. This issue describes a new strategy to achieve the Federal goal for renewable energy, as well as some new solar and wind systems installed at facilities of the Department of Defense, the U.S. Geological Survey, the U.S. Postal Service, the National Park Service, and other agencies.

Keynesian multiplier versus velocity of money

Science.gov (United States)

Wang, Yougui; Xu, Yan; Liu, Li

2010-08-01

In this paper we present the relation between Keynesian multiplier and the velocity of money circulation in a money exchange model. For this purpose we modify the original exchange model by constructing the interrelation between income and expenditure. The random exchange yields an agent's income, which along with the amount of money he processed determines his expenditure. In this interactive process, both the circulation of money and Keynesian multiplier effect can be formulated. The equilibrium values of Keynesian multiplier are demonstrated to be closely related to the velocity of money. Thus the impacts of macroeconomic policies on aggregate income can be understood by concentrating solely on the variations of money circulation.

On the methodological approaches to the study of saving behavior of the population

Directory of Open Access Journals (Sweden)

Galina Vadimovna Belekhova

2015-03-01

Full Text Available The task to ensure effective functioning of all systems in the society and sustainable economic growth requires significant amounts of investment resources, which include savings of the population. This involves identification of the amount of funds accumulated by the population and studies of the characteristics of its saving behavior. The article reveals advantages and disadvantages of the main methodological approaches to the research in saving behavior and gives a comparative analysis of methods on the basis of official statistical information. As for Russia income is a key factor in saving behavior, the article also addresses the problem of assessing the degree of income differentiation of saving behavior. For this purpose we have used a method of household budgets sample surveys on the basis of which we have calculated and analyzed key performance indicators of savings behavior of households, including in the context of groups with different income levels. Unlike previous works on the topic, our study uses available resources (not money income as a basis for the calculation of saving behavior indicators, as they more fully characterize funds of low-income households, which are mostly represented in the budget surveys sample. The performed analysis has helped identify that the degree of the population’s savings differentiation does not yield to the incomes differentiation, and the highest levels of savings and used financial assets belong to the well-to-do group. What is more, the growth in per capita income has not encouraged the poor to save. Thus, in contrast to the well-to-do, increasing the volume of savings in the cost structure, poorer groups direct the major part of funds for consumer needs and different payments. Thus, the share of savings in the overall structure of their income remains practically unchanged. The conclusion emphasizes that sociological methods can be used to study qualitative changes in saving behavior and

Example for electrical energy savings with the pump adjustable electric drive

International Nuclear Information System (INIS)

Mirchevski, Slobodan; Andonov, Zdravko; Saracevic, Fahrudin; Micevski, Darko; Buchkoski, Aleksandar

2004-01-01

Most used method of flow regulation is by throttling the pipeline. Development of power electronic gives opportunity for induction motor pump drives speed control. The common ways of pump flow control are throttling, reducing the working circle, usage of fore circle shovels rotating, by pass and pump speed control Only pump speed control is the most suitable for the energy possibilities. Intensive development of power electronic gives. opportunity to create devices - power converters, which can change the speed of induction motor. For that improvement the energy savings the measurements of power consumption with throttling and speed control have been made. Also, the MATLAB-SIMULINK model of the measured system has been made. The economic effects of saving energy using adjustable speed drives are analyzed for the measured values. The analysis shows that the money payback period of speed controller investment is short compared with the drive lifetime (20 years). (Author)

Privately issued money reduces GDP.

OpenAIRE

Musgrave, Ralph S.

2017-01-01

The majority of the money supply is issued by private banks, not central banks. However a system that restricts money creation to central banks has been advocated for many years by leading economists. There is no reason interest rates would not be at some sort of genuine free market rate under the latter system. In contrast, when private bank money is allowed, those banks undercut the free market rate of interest because it costs them nothing to come by the money they lend out: they effective...

Money, Debt, People and Planet

Directory of Open Access Journals (Sweden)

Jakob von Uexkull

2012-10-01

Full Text Available The widespread failure to understand money creation plays a key role in the current policy impasse. In a world ruled by money, this failure disempowers and prevents serious consideration of alternatives. The key reasons why we are not moving faster in tackling the global crises are, we are told, because it is too expensive, there is not enough money, it is not (yet profitable enough to do etc. Within the current global monetary framework, this is largely true. Therefore, any realistic plan to change course before we are overwhelmed by the inter-linked environmental, social and security threats facing us, is to change this framework to ensure that money becomes our servant again. The current debt crisis offers an opportunity to replace discredited debt-based money created by private banks in their interest with government-created debt-free money benefitting all, which can be used to fund a global emergency programme.“We know now that government by organised money is just as dangerous as government by organised mob.” — President F.D. Roosevelt, 31.10.36“The essence of the contemporary monetary system is creation of money, out of nothing, by private banks’ often foolish lending. Why is such privatisation of a public function right and proper, but action by the central bank to meet pressing public need, a road to catastrophe?” — Martin Wolf, ‘Financial Times’, 9.11.10“The obvious way to reduce our public and private debts is to stop having all our money created as debt.” — James Robertson, ‘Future Money’

The Money Market Liaison Group Sterling Money Market Survey

OpenAIRE

Westwood, Ben

2011-01-01

The Bank of England recently initiated a new survey of the sterling money market on behalf of the Money Market Liaison Group. This market — where short-term wholesale borrowing and lending in sterling takes place — plays a central role in the Bank’s pursuit of its monetary and financial stability objectives. Participants include banks, other financial institutions and non-financial companies, who use the market to manage their liquidity, by investing over short periods and raising short-term ...

Private Electronic Money, Fiat Money and the Payments System

OpenAIRE

Andrew B. Whinston; Paula Hernandez-Verme; Haibo Huang

2004-01-01

Temzelides and Williamson (2001) provides valuable contribution into the private money literature, however, as pointed out by Schreft (2001), while the model provides insight about historical experiences with private paper monies, it does not provide a clear insight on how a modern system of private electronic money would work and how the necessary network shall function. Our target of this paper is to fill in that gap. We present a model with two types of private electronic currencies with o...

Redefining the money market

African Journals Online (AJOL)

Keywords: money market, monetary policy, money, financial markets. 1. ..... Both sides of the banks' consolidated balance sheet increase by USD 100 million. ... As substantiation of the statement that the KIR substantially influencing the.

Money laundering in the norwegian securities market: on the conditions of money laundering

OpenAIRE

Ingvaldsen, Karsten Olaf F.; Larsson, Paul

2009-01-01

This is the final text version of the article, it may contain minor differences from the publisher's pdf version. Norwegian authorities often claim that the financial sector, and especially the securities market, is particularly vulnerable to activities of money laundering. Money laundering is a recurrent theme in the Norwegian media. Usually the media tend to present the forms and extent of money laundering in simple and rather vague terms. The numbers circulating in the media are based u...

Cellulose Insulation

Science.gov (United States)

1980-01-01

Fire retardant cellulose insulation is produced by shredding old newspapers and treating them with a combination of chemicals. Insulating material is blown into walls and attics to form a fiber layer which blocks the flow of air. All-Weather Insulation's founders asked NASA/UK-TAP to help. They wanted to know what chemicals added to newspaper would produce an insulating material capable of meeting federal specifications. TAP researched the query and furnished extensive information. The information contributed to successful development of the product and helped launch a small business enterprise which is now growing rapidly.

Measure Guideline: Guidance on Taped Insulating Sheathing Drainage Planes

Energy Technology Data Exchange (ETDEWEB)

Grin, A.; Lstiburek, J.

2014-09-01

This guide provides information and recommendations to the following groups: insulation contractors; general contractors; builders; home remodelers; mechanical contractors; and homeowners, as a guide to the work that needs to be done. The order of work completed during home construction and retrofit improvements is important. Health and safety issues must be addressed first and are more important than durability issues. And durability issues are more important than saving energy. Not all techniques can apply to all houses. Special conditions will require special action. Some builders or homeowners will wish to do more than the important but basic retrofit strategies outlined by this guide. The following are best practice and product recommendations from the interviewed contractors and homebuilders who collectively have a vast amount of experience. Three significant items were discussed with the group which are required to make taped insulating sheathing a simple, long term, and durable drainage plane: 1. Horizontal joints should be limited or eliminated wherever possible; 2. Where a horizontal joint exists use superior materials; 3. Frequent installation inspection and regular trade training are required to maintain proper installation. Section 5 of this measure guideline contains the detailed construction procedure for the three recommended methods to effectively seal the joints in exterior insulating sheathing to create a simple, long term, and durable drainage plane.

Modeling thermal performance of exterior walls retrofitted from insulation and modified laterite based bricks materials

Science.gov (United States)

Wati, Elvis; Meukam, Pierre; Damfeu, Jean Claude

2017-12-01

Uninsulated concrete block walls commonly found in tropical region have to be retrofitted to save energy. The thickness of insulation layer used can be reduced with the help of modified laterite based bricks layer (with the considerably lower thermal conductivity than that of concrete block layer) during the retrofit building fabrics. The aim of this study is to determine the optimum location and distribution of different materials. The investigation is carried out under steady periodic conditions under the climatic conditions of Garoua in Cameroon using a Simulink model constructed from H-Tools (the library of Simulink models). Results showed that for the continuous air-conditioned space, the best wall configuration from the maximum time lag, minimum decrement factor and peak cooling transmission load perspective, is dividing the insulation layer into two layers and placing one at the exterior surface and the other layer between the two different massive layers with the modified laterite based bricks layer at the interior surface. For intermittent cooling space, the best wall configuration from the minimum energy consumption depends on total insulation thickness. For the total insulation thickness less than 8 cm approximately, the best wall configuration is placing the half layer of insulation material at the interior surface and the other half between the two different massive layers with the modified earthen material at the exterior surface. Results also showed that, the optimum insulation thickness calculated from the yearly cooling transmission (estimated only during the occupied period) and some economic considerations slightly depends on the location of that insulation.

Time versus money.

Science.gov (United States)

Monga, Ashwani; Zor, Ozum

2018-04-21

Consumers are known to spend both time and money. These two resources are often seen as economically comparable because the value of one's time can be equated to a monetary amount, such as one's wage rate. Recent research suggests that even when time and money are economically equivalent, they are psychologically different. We discuss how time (versus money) leads to decision making that is more heuristic rather than systematic, to an orientation that is more emotional rather than value-maximizing, to a thinking process that is more holistic rather than analytic, and to a mindset that is more abstract rather than concrete. Implications arise for a variety of domains such as consumer search, happiness, product evaluation, and charitable giving. Copyright © 2018 Elsevier Ltd. All rights reserved.

Saving tax payers' money

DEFF Research Database (Denmark)

Staak, Thorsten; Günzel, Franziska

this aim. To resolve this existing dichotomy between the motivation and the practical design of public intervention is the goal of this paper. To this end, we develop, using the Analytical Hierarchy Process, a decision tool, which incorporates the market failure theory as its foundation. With this study......, we contribute to the public policy research by introducing a new multi-attributive decision model as well as to the entrepreneurship arena by introducing the Analytical Hierarchy Process as a methodology that can be used to structure and solve complex public policy decision problems....

Assessment of building integrated energy supply and energy saving schemes on a national level in Denmark

Energy Technology Data Exchange (ETDEWEB)

Muenster, M.; Morthorst, P.E.; Birkl, C.

2011-06-15

In the future, buildings will not only act as consumers of energy but as producers as well. For these ''prosumers'', energy production by use of solar panels, photovoltaics and heat pumps etc will be essential. The objective of this project was to find the most optimal combinations of building insulation and use of renewable energy sources in existing buildings in terms of economics and climate impacts. Five houses were analyzed based on different personal load, consumption profiles, solar orientation and proposed building envelope improvements and use of combinations of renewable energy systems. The results of these analyses were integrated in five scenarios to examine the consequences at national level of implementing insulation together with solar panels, photovoltaics and heat pumps in single-family houses. The simulations focused on the building period between 1961 and 1972 characterised by high building activity and low energy performance. The five scenarios - a baseline scenario, a maximum savings scenario, a maximum production scenario, and a combination scenario - showed that regardless of scenario, a consequent use of individual heat pumps leads to the greatest energy savings and CO{sub 2} reductions. (ln)

Comparison of Software Models for Energy Savings from Cool Roofs

Energy Technology Data Exchange (ETDEWEB)

New, Joshua Ryan [ORNL; Miller, William A [ORNL; Huang, Yu (Joe) [White Box Technologies; Levinson, Ronnen [Lawrence Berkeley National Laboratory (LBNL)

2014-01-01

A web-based Roof Savings Calculator (RSC) has been deployed for the United States Department of Energy as an industry-consensus tool to help building owners, manufacturers, distributors, contractors and researchers easily run complex roof and attic simulations. This tool employs modern web technologies, usability design, and national average defaults as an interface to annual simulations of hour-by-hour, whole-building performance using the world-class simulation tools DOE-2.1E and AtticSim in order to provide estimated annual energy and cost savings. In addition to cool reflective roofs, RSC simulates multiple roof and attic configurations including different roof slopes, above sheathing ventilation, radiant barriers, low-emittance roof surfaces, duct location, duct leakage rates, multiple substrate types, and insulation levels. A base case and energy-efficient alternative can be compared side-by-side to estimate monthly energy. RSC was benchmarked against field data from demonstration homes in Ft. Irwin, California; while cooling savings were similar, heating penalty varied significantly across different simulation engines. RSC results reduce cool roofing cost-effectiveness thus mitigating expected economic incentives for this countermeasure to the urban heat island effect. This paper consolidates comparison of RSC s projected energy savings to other simulation engines including DOE-2.1E, AtticSim, Micropas, and EnergyPlus, and presents preliminary analyses. RSC s algorithms for capturing radiant heat transfer and duct interaction in the attic assembly are considered major contributing factors to increased cooling savings and heating penalties. Comparison to previous simulation-based studies, analysis on the force multiplier of RSC cooling savings and heating penalties, the role of radiative heat exchange in an attic assembly, and changes made for increased accuracy of the duct model are included.

Savings and Debts in Agriculture

Directory of Open Access Journals (Sweden)

Marina Luminita Sarbovan

2012-05-01

Full Text Available The savings and debts problematic bring us in front the Keynesian principles of supporting the global demand, so spectacular immortalized inside his “General Theory of Money. The architects of the European Union consider that production in agriculture and other economic branches is “ab initio” grounded on the credit mechanism administrated by banks: the present day approach of the agricultural process configured it as costly, owing a relatively medium to long term duration, and risky, making important the banking institution for mitigating such constrains. Romania fights for the ambitious goal of entering in the euro zone, and this target became even more challenging after the new EU Regulation No 1176/2011 on the prevention and correction of macroeconomic imbalances, which stipulates a safer surveillance for the member states. In fact, our country has to meet the exigencies of nominal and real convergence criteria, measured by the European scoreboard and relevant index.

Targeting utility customers to improve energy savings from conservation and efficiency programs

International Nuclear Information System (INIS)

Taylor, Nicholas W.; Jones, Pierce H.; Kipp, M. Jennison

2014-01-01

Highlights: • Improving DSM program impacts by targeting high energy users. • DSM energy savings potential hinges on pre-participation performance. • Targeting can benefit different utilities and energy efficiency programs. • Overall performance can be improved by up to 250% via targeting strategies. - Abstract: Electric utilities, government agencies, and private interests in the US have committed and continue to invest substantial resources – including billions of dollars of financial capital – in the pursuit of energy efficiency and conservation through demand-side management (DSM) programs. While most of these programs are deemed to be cost effective, and therefore in the public interest, opportunities exist to improve cost effectiveness by targeting programs to those customers with the greatest potential for energy savings. This article details an analysis of three DSM programs offered by three Florida municipal electric utilities to explore such opportunities. First, we estimate programs’ energy savings impacts; second, we measure and compare energy savings across subgroups of program participants as determined by their pre-intervention energy performance, and third, we explore potential changes in program impacts that might be realized by targeting specific customers for participation in the DSM programs. All three programs resulted in statistically significant average (per-participant) energy savings, yet average savings varied widely, with the customers who performed best (i.e., most efficient) before the intervention saving the least energy and those who performed worst (i.e., least efficient) before the intervention saving the most. Assessment of alternative program participation scenarios with varying levels of customer targeting suggests that program impacts could be increased by as much as 80% for a professional energy audit program, just over 100% for a high-efficiency heat pump upgrade program, and nearly 250% for an attic insulation

What have pneumatic manufacturers tried in energy saving; Kukiatsu maker wa sho energy ni tsuite donoyona kokoromi wo shitekitaka

Energy Technology Data Exchange (ETDEWEB)

Oneyama, N [SMC Corp., Tokyo (Japan)

1996-05-15

Presented herein are new energy-saving type products by pneumatic manufacturers. The pneumatic slide rule was developed in 1974, when the whirlwind of energy-saving as a result of the oil crisis raved all over the industries. The word energy-saving for pneumatic systems is changed into the word air-saving, which is more straightforward and directly related to saved money, and the slide rule exhibits its ability as a diagnostic tool for air-saving without adversely affecting the system functions. Noting that output required by clamping, calking and conveyance as typical works for a double acting cylinder is generated only by the forward stroke, the PFC valve was developed, in which the return stroke is set at a minimum indispensable pressure. This reduces air consumption by 20 to 30%. The other products developed include energy-saving lifter and economy valve. A new cylinder driving method was developed to reduce air consumption. The system concept of the right pressure in the right place was proposed to provide a local compressor in a production line of low pressure and high capacity. It is necessary to develop in the future an index which allows direct comparison of an energy-saving system with other driving systems. 5 refs., 14 figs.

Determination of optimum insulation thicknesses of the external walls and roof (ceiling) for Turkey's different degree-day regions

International Nuclear Information System (INIS)

Sisman, Nuri; Kahya, Emin; Aras, Nil; Aras, Haydar

2007-01-01

The external walls and roof of a building are the interface between its interior and the outdoor environment. Insulation of the external walls and roof is the most cost-effective way of controlling the outside elements to make homes more comfortable. Although insulation is generally accepted as a factor increasing the building costs, with the calculations we have shown that this is not the case. Fuel consumption and operational costs are reduced by increasing the thickness of the external walls and roof (ceiling), despite an increase in the investment costs. According to Turkish Standard Number 825 (TS 825), there are four different degree-day (DD) regions, and the required heat loads for the buildings in these regions exhibit large differences. Therefore, a method based on costs is needed for the determination of optimum insulation thicknesses of different DD regions. In this study, optimum insulation thicknesses for different DD regions of Turkey, namely, Izmir (DD: 1450), Bursa (DD: 2203), Eskisehir (DD: 3215) and Erzurum (DD: 4856), have been determined for a lifetime of N years, maximizing the present worth value of annual energy savings for insulated external walls

Anti-Money Laundry regulation and Crime: A two-period model of money-in-the-utility-function

OpenAIRE

Fanta, F; Mohsin, H

2010-01-01

The paper presents a two period model with two types of money i.e. dirty and cleans (legal) money in utility function. Clean money is earned from working in legal sector and dirty from illegal sector. Our two-two period model reveals that an increase in labor wage in legal sector unambiguously decease the labor hours allocated for illegal sector by increasing the opportunity cost for illegal activities. However, the crime-reducing impact of anti-money laundry regulation and the probability of...

Thermal insulation

International Nuclear Information System (INIS)

Aspden, G.J.; Howard, R.S.

1988-01-01

The patent concerns high temperature thermal insulation of large vessels, such as the primary vessel of a liquid metal cooled nuclear reactor. The thermal insulation consists of multilayered thermal insulation modules, and each module comprises a number of metal sheet layers sandwiched between a back and front plate. The layers are linked together by straps and clips to control the thickness of the module. (U.K.)

TASK 2.5.4 DEVELOPMENT OF AN ENERGY SAVINGS CALCULATOR

Energy Technology Data Exchange (ETDEWEB)

Miller, William A [ORNL; New, Joshua Ryan [ORNL; Desjarlais, Andre Omer [ORNL; Huang, Joe [Lawrence Berkeley National Laboratory (LBNL); Erdem, Ender [Lawrence Berkeley National Laboratory (LBNL); Ronnen, Levinson [Lawrence Berkeley National Laboratory (LBNL)

2010-03-01

California s major energy utilities and the California Energy Commission (CEC) are seeking to allocate capital that yields the greatest return on investment for energy infrastructure that meets any part of the need for reliable supplies of energy. The utilities are keenly interested in knowing the amount of electrical energy savings that would occur if cool roof color materials are adopted in the building market. To meet this need the Oak Ridge National Laboratory and the Lawrence Berkeley National Laboratory (LBNL) have been collaborating on a Public Interest Energy Research (PIER) project to develop an industry-consensus energy-savings calculator. The task was coordinated with an ongoing effort supported by the DOE to develop one calculator to achieve both the DOE and the EPA objectives for deployment of cool roof products. Recent emphasis on domestic building energy use has made the work a top priority by the Department of Energy s (DOE) Building Technologies Program. The Roof Savings Calculator (RSC) tool is designed to help building owners, manufacturers, distributors, contractors and practitioners easily run complex simulations. The latest web technologies and usability design were employed to provide an easy input interface to an annual simulation of hour-by-hour, whole-building performance using the world-class simulation tools DOE-2.1E and AtticSim. Building defaults were assigned based on the best available statistical evidence and can provide energy and cost savings after the user selects nothing more than the building location. A key goal for the tool is to promote the energy benefits of cool color tile, metal and asphalt shingle roof products and other energy saving systems. The RSC tool focuses on applications for the roof and attic; however, the code conducts a whole building simulation that puts the energy and heat flows of the roof and attic into the perspective of the whole house. An annual simulation runs in about 30 sec. In addition to cool

Determination of Optimum Thermal Insulation Thicknesses for External Walls Considering the Heating, Cooling and Annual Energy Requirement

Directory of Open Access Journals (Sweden)

Ömer KAYNAKLI

2016-06-01

Full Text Available In this study, optimization of thermal insulation thickness applied to the external walls of buildings has been carried out comparatively based on the seasonal (space-heating and cooling and the annual energy requirements considering solar radiation effect. This study has been performed for four degree-day regions of Turkey, namely, Iskenderun (in the first region, Istanbul (in the second region, Ankara (in the third region and Ardahan (in the fourth region. By determining the sol-air temperatures for each region and maximizing the present worth value of seasonal and annual energy savings, the optimum thermal insulation thicknesses have been calculated. The effects of solar radiation on heating-cooling energy requirements, the variation of optimum insulation thicknesses and payback periods with respect to degree-day regions, the differences between the analyses based on seasonal and annual have been presented in tabular and graphical form.

Analysis of DOE s Roof Savings Calculator with Comparison to other Simulation Engines

Energy Technology Data Exchange (ETDEWEB)

New, Joshua Ryan [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States); Huang, Yu [White Box Technologies, Salt Lake City, UT (United States); Levinson, Ronnen [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Mellot, Joe [The Garland Company, Cleveland, OH (United States); Sanyal, Jibonananda [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States); Childs, Kenneth W [Oak Ridge National Lab. (ORNL), Oak Ridge, TN (United States)

2014-01-01

A web-based Roof Savings Calculator (RSC) has been deployed for the Department of Energy as an industry-consensus tool to help building owners, manufacturers, distributors, contractors and researchers easily run complex roof and attic simulations. This tool employs the latest web technologies and usability design to provide an easy input interface to an annual simulation of hour-by-hour, whole-building performance using the world-class simulation tools DOE-2.1E and AtticSim. Building defaults were assigned based on national averages and can provide estimated annual energy and cost savings after the user selects nothing more than building location. In addition to cool reflective roofs, the RSC tool can simulate multiple roof and attic configurations including different roof slopes, above sheathing ventilation, radiant barriers, low-emittance surfaces, HVAC duct location, duct leakage rates, multiple layers of building materials, ceiling and deck insulation levels, and other parameters. A base case and energy-efficient alternative can be compared side-by-side to generate an energy/cost savings estimate between two buildings. The RSC tool was benchmarked against field data for demonstration homes in Ft. Irwin, CA. However, RSC gives different energy savings estimates than previous cool roof simulation tools so more thorough software and empirical validation proved necessary. This report consolidates much of the preliminary analysis for comparison of RSC s projected energy savings to that from other simulation engines.

Monetary Policy Implications of Electronic Money

OpenAIRE

Berentsen, Aleksander

1997-01-01

The term digital money refers to various proposed electronic payment mechanisms designed for use by consumers to make retail payments. Digital money products have the potential to replace central bank currency, thereby affecting the money supply. This paper studies the effect of replacing central bank currency on the narrowly defined stock of money under various assumptions regarding regulatory policies and monetary operations of central banks and the reaction of the banking system.

Money and the Transmission of Monetary Policy

OpenAIRE

Seth Carpenter; Selva Demiralp

2009-01-01

The transmission mechanism of monetary policy has received extensive treatment in the macroeconomic literature. Most models currently used for macroeconomic analysis exclude money or else model money demand as entirely endogenous. Nevertheless, academic research and many textbooks continue to use the money multiplier concept in discussions of money. We explore the institutional structure of the transmission mechanism beginning with open market operations through to money and loans to document...

Money Marries Money - Intergenerational Top Household Income Mobility in Denmark

DEFF Research Database (Denmark)

Bonke, Jens; Hussain, M. Azhar; Munk, Martin David

2016-01-01

This paper describes intergenerational earnings and income mobility among top-income households in Denmark. Access to administrative registers allowed us to look at very small fractions of the populations, and to distinguish between sons and daughters and to observe their spouses’ incomes. At the....... At the top of the income distribution we find a correlation of 0.763 between father and mother’s pooled income and that of their son and daughter-in-law’s pooled income, which indicates that money marries money....

Quantum money with classical verification

Energy Technology Data Exchange (ETDEWEB)

Gavinsky, Dmitry [NEC Laboratories America, Princeton, NJ (United States)

2014-12-04

We propose and construct a quantum money scheme that allows verification through classical communication with a bank. This is the first demonstration that a secure quantum money scheme exists that does not require quantum communication for coin verification. Our scheme is secure against adaptive adversaries - this property is not directly related to the possibility of classical verification, nevertheless none of the earlier quantum money constructions is known to possess it.

Quantum money with classical verification

International Nuclear Information System (INIS)

Gavinsky, Dmitry

2014-01-01

We propose and construct a quantum money scheme that allows verification through classical communication with a bank. This is the first demonstration that a secure quantum money scheme exists that does not require quantum communication for coin verification. Our scheme is secure against adaptive adversaries - this property is not directly related to the possibility of classical verification, nevertheless none of the earlier quantum money constructions is known to possess it

The Economics of Crime and Money Laundering: Does Anti-Money Laundering Policy Reduce Crime?

OpenAIRE

J. Ferwerda

2008-01-01

Anti-money laundering policy has become a major issue in the Western world, especially in the United States after 9-11. Basically all countries in the world are more or less forced to cooperate in the global fight against money laundering. In this paper, the criminalization of money laundering is modelled, assuming rational behaviour of criminals, following the law and economics strand of the literature which is described as the economics of crime. The theoretical model shows that a) the prob...

Endogeneity of Money Supply: Evidence From Turkey

Directory of Open Access Journals (Sweden)

Oguzhan Cepni

2017-02-01

Full Text Available There is a long discussion among academics and central bankers about the theories of money supply. According to the exogenous view, central banks have the full control over money supply via policy actions including the adjustments of interest rates and reserve ratios, both of which alter commercial banks’ lending decisions. However, the theory of endogenous money supply emphasizes the role of demand for bank loans in money creation. More specifically, banks create money by meeting the demand of economic agents. In this study, we investigate which of the money supply theories holds in Turkish economy for the period 2006-2015 by employing cointegration and causality tests. Our findings show that the causality runs from bank loans to money supply both in the short and long terms, which supports the endogenous view in a sense that central bank and the banks fully meet the total demand for money in Turkish economy.

Predicted Versus Actual Savings for a Low-Rise Multifamily Retrofit in Boulder, Colorado

Energy Technology Data Exchange (ETDEWEB)

Arena, L. [Consortium for Advanced Residential Buildings (CARB), Norwalk, CT (United States); Williamson, J. [Consortium for Advanced Residential Buildings (CARB), Norwalk, CT (United States)

2013-11-01

To determine the most cost-effective methods of improving buildings, accurate analysis and prediction of the energy use of existing buildings is essential. However, multiple studies confirm that analysis methods tend to over-predict energy use in poorly insulated, leaky homes and thus, the savings associated with improving those homes. In this project, the Building America CARB team evaluated the retrofit of a multifamily building in Boulder, CO. The updated property is a 37 unit, 2 story apartment complex built in 1950, which underwent renovations in early 2009 to bring it into compliance with Boulder, CO's SmartRegs ordinance. Goals of the study were to: 1) evaluate predicted versus actual savings due to the improvements, 2) identify areas where the modeling assumptions may need to be changed, and 3) determine common changes made by renters that would negatively impact energy savings. Other issues that were investigated include the effects of improving building efficiency on tenant comfort, the impact on tenant turnover rates, and the potential market barriers for this type of community scale project.

Endogeneity of Money Supply: Evidence From Turkey

OpenAIRE

Oguzhan Cepni; Ibrahim Ethem Guney

2017-01-01

There is a long discussion among academics and central bankers about the theories of money supply. According to the exogenous view, central banks have the full control over money supply via policy actions including the adjustments of interest rates and reserve ratios, both of which alter commercial banks’ lending decisions. However, the theory of endogenous money supply emphasizes the role of demand for bank loans in money creation. More specifically, banks create money by meeting the demand ...

Feasibility of selected private money

Directory of Open Access Journals (Sweden)

Lukáš Nevěděl

2012-01-01

Full Text Available The goal of the entry: “Feasibility of selected private money” is the assessment of practicability of selected private money types as future currency especially in terms of attributes that the currency should meet to fulfil all claims required by its users. In the first step the features that the widely used currency has to have will be described and it will be analysed which of these features are characteristic for nowadays currencies (Czech crown and Euro too. In the second step private (unnationalized money will be described as well as several concepts derived from it. The paper will concern mainly on Hayek’s concept of private money and on particular variations of Local exchange trading systems. In the next part there will be pointed out good and bad features of these types of money, mainly from the view of characteristics that the proper currency should have. At the end it will be carried out the comparison of bad and good effects resulting from using of particular currencies types and I will decide about the applicability of analysed private money types. The paper uses the standard methods of scientific work. Firstly, the method of description is used to describe the development of private money concepts and characteristic features that the currency should have. Then, a comparative analysis is used to discuss the differences between contemporary currencies and unnationalized currencies as well as between required and real features of particular private money. At the end the method of synthesis, deduction and induction is used.

Estimation of thermal insulation performance in multi-layer insulator for liquid helium pipe

International Nuclear Information System (INIS)

Shibanuma, Kiyoshi; Kuriyama, Masaaki; Shibata, Takemasa

1991-01-01

For a multi-layer insulator around the liquid helium pipes for cryopumps of JT-60 NBI, a multi-layer insulator composed of 10 layers, which can be wound around the pipe at the same time and in which the respective layers are in concentric circles by shifting them in arrangement, has been developed and tested. As the result, it was shown that the newly developed multi-layer insulator has better thermal insulation performance than the existing one, i.e. the heat load of the newly developed insulator composed of 10 layers was reduced to 1/3 the heat load of the existing insulator, and the heat leak at the joint of the insulator in longitudinal direction of the pipe was negligible. In order to clarify thermal characteristics of the multi-layer insulator, the heat transfer through the insulator has been analyzed considering the radiation heat transfer by the netting spacer between the reflectors, and the temperature dependence on the emissivities and the heat transmission coefficients of these two components of the insulator. The analytical results were in good agreements with the experimental ones, so that the analytical method was shown to be valid. Concerning the influence of the number of layers and the layer density on the insulation performance of the insulator, analytical results showed that the multi-layer insulator with the number of layer about N = 20 and the layer density below 2.0 layer/mm was the most effective for the liquid helium pipe of a JT-60 cryopump. (author)

Thermal paint production: the techno-economic evaluation of muscovite as insulating additive.

Directory of Open Access Journals (Sweden)

Gabriela Fernandes Ribas

2016-09-01

Full Text Available Muscovite is known by its thermal and electrical insulating properties. Based on this, it was hypothesized that its addition on paints should increase the thermal resistance. The use of muscovite as mineral insulating is pointed out as advantageous due to its low cost compared to other materials used for this purpose, such as the ceramic microsphere. The use of a low cost material could open the access to the medium and low income families, implying two aspects: the life quality increase by thermal comfort and the increase of energy saving. Thus, this part of the population could open a new market to thermal paints. Aiming to contribute to this issue, this work evaluated the thermal insulation performance of commercial paints containing muscovite additions and determined the economic evaluation for its industrial production. The thermal paint was formulated by adding 10%, 20% and 40% of muscovite to the commercial paint. This was applied on steel reinforced mortar boards. Thermal insulation tests were carried out in bench scale using an adapted box. The economic evaluation of the industrial production of muscovite-based thermal paint was conducted, considering the Brazilian economic market in this activity. The results showed its ability as an insulating agent due to a reduction of 0.667 °C/mm board by the addition of 40% muscovite. The economic analysis also demonstrated the feasibility of the thermal paint industrial production. The payback is favorable to 5 years when compared to the Selic short-term lending rate, with 21.53% of internal rate return and a net present value of US$ 15,085.76.

Money market futures

OpenAIRE

Anatoli Kuprianov

1992-01-01

Virtually all financial innovation in the U.S. money market during the past 20 years has centered on interest rate derivatives, including futures and swaps. Furthermore, money market futures--especially futures contracts on Eurodollar time deposits--have been at the vanguard of the recent explosion of trading activity in interest rate derivatives. While futures markets traditionally have been viewed as markets for the transfer of price risk, recent research shows that they may serve other imp...

24 CFR 291.535 - Earnest money deposit.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Earnest money deposit. 291.535... Next Door Sales Program § 291.535 Earnest money deposit. (a) General. The earnest money deposit is the sum of money that must be paid by the law enforcement officer, teacher, or firefighter/emergency...

Thermal insulating panel

Energy Technology Data Exchange (ETDEWEB)

Hughes, J.T.

1985-09-11

A panel of thermal insulation material has at least one main portion which comprises a dry particulate insulation material compressed within a porous envelope so that it is rigid or substantially rigid and at least one auxiliary portion which is secured to and extends along at least one of the edges of the main portions. The auxiliary portions comprise a substantially uncompressed dry particulate insulation material contained within an envelope. The insulation material of the auxiliary portion may be the same as or may be different from the insulation material of the main portion. The envelope of the auxiliary portion may be made of a porous or a non-porous material. (author).

Money Creation in a Random Matching Model

OpenAIRE

Alexei Deviatov

2006-01-01

I study money creation in versions of the Trejos-Wright (1995) and Shi (1995) models with indivisible money and individual holdings bounded at two units. I work with the same class of policies as in Deviatov and Wallace (2001), who study money creation in that model. However, I consider an alternative notion of implementability–the ex ante pairwise core. I compute a set of numerical examples to determine whether money creation is beneficial. I find beneficial e?ects of money creation if indiv...

Money creation in the modern economy

OpenAIRE

McLeay, Michael; Radia, Amar; Thomas, Ryland

2014-01-01

This article explains how the majority of money in the modern economy is created by commercial banks making loans. Money creation in practice differs from some popular misconceptions — banks do not act simply as intermediaries, lending out deposits that savers place with them, and nor do they ‘multiply up’ central bank money to create new loans and deposits. The amount of money created in the economy ultimately depends on the monetary policy of the central bank. In normal times, this is carri...

Money and inflation: a functional relationship

OpenAIRE

Wolla, Scott A.

2013-01-01

They say that "money makes the world go round." Just imagine a world without money as our method of payment for everyday transactions. Without money, we would all need to barter for necessary goods and services. For example, suppose an accountant needs to have her car fixed. Under a barter system, she would have to find someone who needed some tax advice in exchange for car repairs. The search to find a barter partner is time consuming and wasteful. Money solves this problem and many others. ...

Money growth and aggregate stock returns

OpenAIRE

Böing, Tobias; Stadtmann, Georg

2016-01-01

We empirically evaluate the predictive power of money growth measured by M2 for stock returns of the S&P 500 index. We use monthly US data and predict multiperiod returns over 1, 3, and 5 years with long-horizon regressions. In-sample regressions show that money growth is useful for predicting returns. Higher recent money growth has a significantly negative effect on subsequent returns of the S&P 500. An out-of-sample analysis shows that a simple model with money growth as a single predictor ...

The Influence of Money on Goal Pursuit and Decision-Making: Understanding Money's Unique Impact on Goal Pursuit

Science.gov (United States)

Moran, Nora

Previous research suggests that activating concepts of money and wealth can increase motivation to achieve personal goals. In this dissertation, I investigate how money affects pursuit of important personal goals, and how this motivation may be affected by goal attainability. In eight studies, I show that priming concepts of money and wealth leads individuals to pursue important personal goals to a greater degree than control groups, but only when a goal is more attainable. In contrast, when a goal is less attainable, those primed with money will be less likely to work towards goals relative to control groups. Furthermore, I examine why money may have a detrimental effect on motivation when individuals are faced with less attainable but important goals, and argue those primed with money become more concerned with maintaining a sense of efficacy, and thus disengage from pursuit when success is less certain. Thus, this research identifies the needs made salient by activating money--validating one's abilities. Finally, I show the relevance of these findings for consumer behavior, and discuss the additional implications of this work, as well as future research directions.

Thermal Insulating Concrete Wall Panel Design for Sustainable Built Environment

Science.gov (United States)

Zhou, Ao; Wong, Kwun-Wah

2014-01-01

Air-conditioning system plays a significant role in providing users a thermally comfortable indoor environment, which is a necessity in modern buildings. In order to save the vast energy consumed by air-conditioning system, the building envelopes in envelope-load dominated buildings should be well designed such that the unwanted heat gain and loss with environment can be minimized. In this paper, a new design of concrete wall panel that enhances thermal insulation of buildings by adding a gypsum layer inside concrete is presented. Experiments have been conducted for monitoring the temperature variation in both proposed sandwich wall panel and conventional concrete wall panel under a heat radiation source. For further understanding the thermal effect of such sandwich wall panel design from building scale, two three-story building models adopting different wall panel designs are constructed for evaluating the temperature distribution of entire buildings using finite element method. Both the experimental and simulation results have shown that the gypsum layer improves the thermal insulation performance by retarding the heat transfer across the building envelopes. PMID:25177718

Opportunities of energy saving in lighting systems for public buildings

Directory of Open Access Journals (Sweden)

Ayman Abd El-khalek

2017-03-01

Full Text Available The lighting system provides many options for cost-effective energy saving with low or no inconvenience. Lighting improvements are excellent investments in most public buildings, it is usually cost-effective to address because lighting improvements are often easier to make than many process upgrades.For public buildings, the easy no and low cost options to help save money and improve the energy performance are:Understand energy use.Identify optionsPrioritize actionsMake the changes and measure the savings.Continue managing energy efficiency.The challenge is to retrofit traditional lamps with LED lamps of good quality. The benefits of LED light bulbs are long-lasting, durable, cool, mercury free, more efficient, and cost effective.The light Emitting Diode (LED bulb uses a semiconductor as its light source, and is currently one of the most energy efficient and quickly developing types of bulbs for lighting. LEDs increasingly are being purchased to replace traditional bulbs. LEDs are relatively more expensive than other types of bulbs, but are very cost-effective because they use only a fraction of electricity of traditional lighting methods nd can last for longer.Benchmarking guides decision makers to policies aimed at the energy sector through better understanding of energy consumption trends nationwide, e.g.: energy price, moderating, peak demand, and encouraging sectors, low energy expansions.The “Improving Energy Efficiency Project of Lighting and Appliances” carried out energy audits and implemented opportunities of energy saving in lighting for different type of public buildings.To rationalize the use of energy by giving guidelines to consumers, the IEEL&A project prepared some brochures.This paper leads with the results of case studies as energy audits, opportunities in lighting systems, energy saving and CO2 reduction.

Prospects for Money Transfer Models

OpenAIRE

Yougui Wang; Ning Ding; Ning Xi

2005-01-01

Recently, in order to explore the mechanism behind wealth or income distribution, several models have been proposed by applying principles of statistical mechanics. These models share some characteristics, such as consisting of a group of individual agents, a pile of money and a specific trading rule. Whatever the trading rule is, the most noteworthy fact is that money is always transferred from one agent to another in the transferring process. So we call them money transfer models. Besides e...

Money, banks and endogenous volatility

OpenAIRE

Pere Gomis-Porqueras

2000-01-01

In this paper I consider a monetary growth model in which banks provide liquidity, and the government fixes a constant rate of money creation. There are two underlying assets in the economy, money and capital. Money is dominated in rate of return. In contrast to other papers with a larger set of government liabilities, I find a unique equilibrium when agents' risk aversion is moderate. However, indeterminacies and endogenous volatility can be observed when agents are relatively risk averse.

"Show me the money": vulnerability to gambling moderates the attractiveness of money versus suspense.

Science.gov (United States)

Hahn, Cheryl; Wilson, Timothy D; McRae, Kaichen; Gilbert, Daniel T

2013-10-01

Do people take risks to obtain rewards or experience suspense? We hypothesized that people vulnerable to gambling are motivated more by the allure of winning money whereas people less vulnerable to gambling are motivated more by the allure of suspense. Consistent with this hypothesis, participants with high scores on a subscale of the Gambling Attitudes and Beliefs Survey--a measure of vulnerability to gambling--reported more of a motivation to earn money (pilot study), were more likely to accept a certain or near-certain amount of money than to gamble for that same amount (Studies 1-2), and worked harder to earn money (Study 3). People vulnerable to gambling also made more accurate predictions about how much they would gamble. People less vulnerable to gambling, in contrast, gambled more than people vulnerable to gambling, but did not know that they would.

Lambda as a factor for saving energy. When are special high-performance insulating materials worthwhile?; Einsparfaktor Lambda. Wann rechnen sich besonders leistungsfaehige Daemmstoffe?

Energy Technology Data Exchange (ETDEWEB)

Tornow, Sven-Erik [Arbeitskreis Baufachpresse e.V., Koeln (Germany)

2011-01-15

The probably most important criterion of an insulating material is its specific thermal conductivity. The so-called lambda value describes the amount of heat which flows in one second at a temperature difference of one Kelvin through one square meters of a one meter thick layer of a material. The lower the lambda-value, the much better. While usual insulating materials exist in the heat conductance stages 035 to 045, in the meantime the manufactures overestimate oneself with super-insulating materials whose thermal conductivity reach a value of 0.019. VIP panels have a heat conductivity to approximately 0.006 W/(m{sup 2} K). This is a high damming performance,which has its price.

Project report on drawing district energy-saving visions for Town of Nishi Senboku; Nishi Senboku machi sho energy vision sakutei nado jigyo hokokusho

Energy Technology Data Exchange (ETDEWEB)

NONE

2001-03-01

Studied in this project are concrete energy-saving procedures, and potentially saved energy and abated CO2 emissions in Town of Nishi Senboku, to promote energy saving and abatement of gas emissions which cause global warming. The energy-saving procedures studied include co-generation, utilization of waste heat, wind power generation, utilization of low-temperature heat by snow, fuel-efficient vehicles, use of insulators for houses, energy-saving type electric appliances, energy-saving activities, and eco-driving. The results indicate that the energy-saving activities and eco-driving can potentially more contribute to energy saving than the others. The study on introduction of energy-saving facilities in the 'Nukumori Hot Spring/Umeria' project indicates that the heat pump plus co-generation case is the most advantageous, because it can potentially reduce primary energy by 2,845,215MJ/y and CO2 emissions by 22,688kg-C/y. Introduction of energy-saving facilities is also studied for an information center in the Nishi-Senboku service area for the Akita Highway. The results indicate that the introduction can potentially reduce primary energy and CO2 emissions by 25 and 13%, respectively. (NEDO)

24 CFR 81.83 - Civil money penalties.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Civil money penalties. 81.83... § 81.83 Civil money penalties. (a) Imposition. The Secretary may impose a civil money penalty on a GSE... writing of the Secretary's determination to impose a civil money penalty by issuing a Notice of Intent to...

Wall insulation system

Energy Technology Data Exchange (ETDEWEB)

Kostek, P.T.

1987-08-11

In a channel specially designed to fasten semi-rigid mineral fibre insulation to masonry walls, it is known to be constructed from 20 gauge galvanized steel or other suitable material. The channel is designed to have pre-punched holes along its length for fastening of the channel to the drywall screw. The unique feature of the channel is the teeth running along its length which are pressed into the surface of the butted together sections of the insulation providing a strong grip between the two adjacent pieces of insulation. Of prime importance to the success of this system is the recent technological advancements of the mineral fibre itself which allow the teeth of the channel to engage the insulation fully and hold without mechanical support, rather than be repelled or pushed back by the inherent nature of the insulation material. After the insulation is secured to the masonry wall by concrete nail fastening systems, the drywall is screwed to the channel.

On Understanding Money

OpenAIRE

Martin Shubik

2001-01-01

Fiat money is a creation of both the state and society. Its value is supported by expectations which are conditioned by the dynamics of trust in government, the socio-economic structure and by outside events such as wars, plagues or political unrest. The micro-management of a dynamic economy is not far removed in difficulty from the micro-management of the weather. However, money and the financial institutions and instruments of a modern economy provide the means to influence expectations and...

Money handling influences BMI: a survey of cashiers

OpenAIRE

Shraddha Karve; Ketaki Shurpali; Neelesh Dahanukar; Maithili Jog; Milind Watve

2008-01-01

Money is a recent phenomenon in the evolutionary history of man and therefore no separate brain centre to handle money is likely to have evolved. The brain areas activated by food reward and money reward are extensively overlapping. In an experimental set-up, hunger was demonstrated to influence money related decisions and money related thoughts to influence hunger. This suggests that the brain areas evolved for handling food related emotions are exapted to handle money and therefore there co...

Energy, Carbon-emission and Financial Savings from Thermostat Control

Energy Technology Data Exchange (ETDEWEB)

Blasing, T J [ORNL; Schroeder, Dana [University of Georgia, Athens, GA

2013-08-01

Among the easiest approaches to energy, and cost, savings for most people is the adjustment of thermostats to save energy. Here we estimate savings of energy, carbon, and money in the United States of America (USA) that would result from adjusting thermostats in residential and commercial buildings by about half a degree Celsius downward during the heating season and upward during the cooling season. To obtain as small a unit as possible, and therefore the least likely to be noticeable by most people, we selected an adjustment of one degree Fahrenheit (0.56 degree Celsius) which is the gradation used almost exclusively on thermostats in the USA and is the smallest unit of temperature that has been used historically. Heating and/or cooling of interior building space for personal comfort is sometimes referred to as space conditioning, a term we will use for convenience throughout this work without consideration of humidity. Thermostat adjustment, as we use the term here, applies to thermostats that control the indoor temperature, and not to other thermostats such as those on water heaters. We track emissions of carbon only, rather than of carbon dioxide, because carbon atoms change atomic partners as they move through the carbon cycle, from atmosphere to biosphere or ocean and, on longer time scales, through the rock cycle. To convert a mass of carbon to an equivalent mass of carbon dioxide (thereby including the mass of the 2 oxygen atoms in each molecule) simply multiply by 3.67.

Money and the Quality of Life

Directory of Open Access Journals (Sweden)

Luburić Radoica

2017-09-01

Full Text Available This paper deals with the influence of money on the quality of life, in the light of the major importance it has on all aspects of our lives. Bearing in mind that money is an everyday, inseperable and unavoidable companion, with all its advantages and power, as well as its numerous challenges, risks and temptations, it inevitably affects all segments of the quality of life. The relation between money and quality of life, therefore, can be viewed not only theoretically, but also at a practical level. In the times we live in, which have been labelled the digital age, with ever increasing change, the key questions which arise are whether and to what extent do people really manage their money, and to what extent does money manage people and their lives, do people own money or does money own people? Although it sounds paradoxical, money causes people financial worries, whether they have it or whether they do not and so can significantly influence their quality of life. Standard macro-economic indicators, traditionally used as measures of the well-being of society, do not always give a real and complete picture of the quality of life, as this encompasses the way of life, as well as the standard of living. The quality of life includes the whole spectrum of factors, not only economic, but also many others which lead to satisfaction, both material and spiritual. These can include financial and material living conditions, employment, health, education, leisure time and social activities, economic and physical safety, human rights and freedoms, protection of the environment and overall life satisfaction. This paper analyses the direct and indirect connections between effective and efficient money management and the aforementioned factors which are decisive in forming the quality of life.

Towards a digital money structure for illiterate users

OpenAIRE

Mesfin, WF; Ghinea, G; Atnafu, S

2014-01-01

In developing countries, although money is becoming digital in the form of mobile money, it is not easily used by millions of illiterate users in their everyday transactions. Digitization of material money thus poses a challenge to many users. Existing mobile money systems and platforms represent money in terms of simple numbers, like 13, 50, 0.78, 23.64, 80 etc. This way of money representation is almost unusable by illiterate users, unless they depend on others' help. The literature has ove...

Reduction of heat insulation upon soaking of the insulation layer

Science.gov (United States)

Achtliger, J.

1983-09-01

Improved thermal protection of hollow masonry by introduction of a core insulation between the inner and outer shell is discussed. The thermal conductivity of insulation materials was determined in dry state and after soaking by water with different volume-related moisture contents. The interpolated thermal conductivity values from three measured values at 10 C average temperature are presented as a function of the pertinent moisture content. Fills of expanded polystyrene, perlite and granulated mineral fibers, insulating boards made of mineral fibers and in situ cellular plastics produced from urea-formaldehyde resin were investigated. Test results show a confirmation of thermal conductivity values for insulating materials in hollow masonry.

'Strange money': risk, finance and socialized debt.

Science.gov (United States)

Dodd, Nigel

2011-03-01

This paper explores an essential but neglected aspect of recent discussions of the banking and financial system, namely money itself. Specifically, I take up a distinction drawn by Susan Strange which has never been fully elaborated: between a financial system that is global, and an international monetary system that remains largely territorial. I propose a sociological elaboration of this distinction by examining each category, 'finance' and 'money', in terms of its distinctive orientation to risk and debt. Money is distinguished by its high degree of liquidity and low degree of risk, corresponding to expectations that derive from its status as a 'claim upon society'- a form of socialized debt. But as Strange argued, these features of money are being undermined by the proliferation of sophisticated instruments of financial risk management -'strange money'- that, as monetary substitutes, both weaken states' capacity to manage money, and more broadly, contribute to 'overbanking'. The ultimate danger, according to Strange, is the 'death of money'. The paper concludes by exploring the implications of the distinction for sociological arguments about the changing nature of money. © London School of Economics and Political Science 2011.

Money Demand Features in CEE Countries

Directory of Open Access Journals (Sweden)

Valentina-Ioana MERA

2016-01-01

Full Text Available The existence of a stable relationship between money demand and its determinants is important for the efficiency of monetary policy. In this paper we carried a preliminary analysis on the variables that can influence money demand in five Central and Eastern European countries (Bulgaria, Czech Republic, Hungary, Poland and Romania in order to determine which characteristics define the evolution of money demand and its determinants, and how volatile they are. The results indicate a number of similarities in terms of monetary development and also suggest that some additional variables that may influence money demand in this specific sample.

31 CFR 537.323 - U.S. registered money transmitter.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false U.S. registered money transmitter. 537.323 Section 537.323 Money and Finance: Treasury Regulations Relating to Money and Finance... General Definitions § 537.323 U.S. registered money transmitter. The term U.S. registered money...

31 CFR 538.319 - U.S. registered money transmitter.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false U.S. registered money transmitter. 538.319 Section 538.319 Money and Finance: Treasury Regulations Relating to Money and Finance... General Definitions § 538.319 U.S. registered money transmitter. The term U.S. registered money...

Primary energy savings using heat storage for biomass heating systems

Directory of Open Access Journals (Sweden)

Mitrović Dejan M.

2012-01-01

Full Text Available District heating is an efficient way to provide heat to residential, tertiary and industrial users. The heat storage unit is an insulated water tank that absorbs surplus heat from the boiler. The stored heat in the heat storage unit makes it possible to heat even when the boiler is not working, thus increasing the heating efficiency. In order to save primary energy (fuel, the boiler operates on nominal load every time it is in operation (for the purpose of this research. The aim of this paper is to analyze the water temperature variation in the heat storage, depending on the heat load and the heat storage volume. Heat load is calculated for three reference days, with average daily temperatures from -5 to 5°C. The primary energy savings are also calculated for those days in the case of using heat storage in district heating.[Projekat Ministarstva nauke Republike Srbije, br. TR 33051: The concept of sustainable energy supply of settlements with energy efficient buildings

Sex Differences in Money Pathology in the General Population.

Science.gov (United States)

Furnham, Adrian; von Stumm, Sophie; Fenton-O'Creevy, Mark

This study examined sex differences in money beliefs and behaviours. Over 100,000 British participants completed two measures online, one of which assessed "money pathology" (Forman in Mind over money, Doubleday, Toronto, 1987), and the other four "money types", based on the emotional associations of money (Furnham et al. in Personal Individ Differ, 52:707-711, 2012). Nearly all measures showed significant sex differences with medium to large effect sizes, and with females exhibiting more "money pathology" than males. The biggest difference on the money types was on money being associated with generosity (money representing love) where men scored much lower than females, and autonomy (money representing freedom) where men scored higher than women. For men, more than women, money represented Power and Security. Men were more likely to be Hoarders while women did more emotional regulatory purchasing. Implications and limitations of this study are discussed.

Aerogel-Based Insulation for High-Temperature Industrial Processes

Energy Technology Data Exchange (ETDEWEB)

Dr. Owen Evans

2011-10-13

Under this program, Aspen Aerogels has developed an industrial insulation called Pyrogel HT, which is 4-5 times more thermally efficient than current non-aerogel technology. Derived from nanoporous silica aerogels, Pyrogel HT was specifically developed to address a high temperature capability gap not currently met with Aspen Aerogels{trademark} flagship product, Pyrogel XT. Pyrogel XT, which was originally developed on a separate DOE contract (DE-FG36-06GO16056), was primarily optimized for use in industrial steam processing systems, where application temperatures typically do not exceed 400 C. At the time, further improvements in thermal performance above 400 C could not be reasonably achieved for Pyrogel XT without significantly affecting other key material properties using the current technology. Cumulative sales of Pyrogel HT into domestic power plants should reach $125MM through 2030, eventually reaching about 10% of the total insulation market share in that space. Global energy savings would be expected to scale similarly. Over the same period, these sales would reduce domestic energy consumption by more than 65 TBtu. Upon branching out into all industrial processes in the 400 C-650 C regime, Pyrogel HT would reach annual sales levels of $150MM, with two-thirds of that being exported.

Office-like Test Chambers to Measure Cool Roof Energy Savings in Four Indian Climates

Energy Technology Data Exchange (ETDEWEB)

Arumugam, Rathish [Saint Gobain Research India Pvt. Ltd. (India); B, Sasank [Saint Gobain Research India Pvt. Ltd. (India); T, Rajappa [Saint Gobain Research India Pvt. Ltd. (India); N, Vinay [Saint Gobain Research India Pvt. Ltd. (India); Garg, Vishal [International Inst. of Information Technology, Hyderabad (India); Reddy, Niranjan [International Inst. of Information Technology, Hyderabad (India); Levinson, Ronnen [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States)

2016-08-21

Selecting a high albedo (solar reflectance) waterproofing layer on the top of a roof helps lower the roof’s surface temperature and reduce the air conditioning energy consumption in the top floor of a building. The annual energy savings depend on factors including weather, internal loads, and building operation schedule. To demonstrate the energy saving potential of high albedo roofs, an apparatus consisting of two nearly identical test chambers (A and B) has been built in four Indian climates: Chennai (hot & humid), Bangalore (temperate), Jhagadia (Hot & dry) and Delhi (composite). Each chamber has well-insulated walls to mimic the core of an office building. Both chambers have the same construction, equipment, and operating schedule, differing only in roof surface. The reinforced cement concrete roof of Chamber A is surfaced with a low-albedo cement layer, while that of Chamber B is surfaced with a high-albedo water proof membrane (change in solar reflectance of 0.28). The experiment will be carried out for one year to explore seasonal variations in energy savings. Initial results in the month of July (post summer) shows that savings from high albedo roof ranges from 0.04 kWh/m2/day in temperate climates, to 0.08 kWh/m2/day in hot & dry climate.

Money creation process in a random redistribution model

Science.gov (United States)

Chen, Siyan; Wang, Yougui; Li, Keqiang; Wu, Jinshan

2014-01-01

In this paper, the dynamical process of money creation in a random exchange model with debt is investigated. The money creation kinetics are analyzed by both the money-transfer matrix method and the diffusion method. From both approaches, we attain the same conclusion: the source of money creation in the case of random exchange is the agents with neither money nor debt. These analytical results are demonstrated by computer simulations.

Propagation Characteristics of Multilayer Hybrid Insulator-Metal-Insulator and Metal-Insulator-Metal Plasmonic Waveguides

Directory of Open Access Journals (Sweden)

M. Talafi Noghani

2014-02-01

Full Text Available Propagation characteristics of symmetrical and asymmetrical multilayer hybrid insulator-metal-insulator (HIMI and metal-insulator-metal (HMIM plasmonic slab waveguides are investigated using the transfer matrix method. Propagation length (Lp and spatial length (Ls are used as two figures of merit to qualitate the plasmonic waveguides. Symmetrical structures are shown to be more performant (having higher Lp and lower Ls, nevertheless it is shown that usage of asymmetrical geometry could compensate for the performance degradation in practically realized HIMI waveguides with different substrate materials. It is found that HMIM slab waveguide could support almost long-range subdiffraction plasmonic modes at dimensions lower than the spatial length of the HIMI slab waveguide.

Energetic Issues Concerning the Content of Money

OpenAIRE

Negoescu Gheorghe; Radu Riana Iren

2012-01-01

In full times of crisis, money has become increasingly more important. We put the issue to analyze whether money can be considered a form of energy. The article is taking into consideration the conservation of energy and for money is due to kinetic energy during the boom and to potential energy during the crisis. In the article is also made an illustration of the energetic content of money at a company’s level.

Anti-Money Laundering Requirements – Perceived Effectiveness

OpenAIRE

C. C. Huang; M. S. Amirrudin; N. A. Ahamad Noruddin; R. Othman

2013-01-01

Anti-money laundering is commonly recognized as a set of procedures, laws or regulations designed to reduce the practice of generating income through illegal actions. In Malaysia, the government and law enforcement agencies have stepped up their capacities and efforts to curb money laundering since 2001. One of these measures was the enactment of the Anti-Money Laundering Act (AMLA) in 2001. The implementation costs on anti-money laundering requirements (AMLR) can be burd...

Measuring the effect of procrastination and environmental awareness on households' energy-saving behaviours: An empirical approach

Energy Technology Data Exchange (ETDEWEB)

Lillemo, Shuling Chen, E-mail: shulic@umb.no

2014-03-01

A common finding in behavioural economics is that people often procrastinate, i.e., keep postponing planned tasks or decisions that require effort to execute. The effect of procrastination on inter-temporal energy choice behaviours could be even more serious because energy is an abstract, invisible and intangible commodity. This paper uses a web survey to investigate how people's procrastination propensity and environmental awareness affect their heating-energy-saving behaviours. The results indicate that people who state that they have a higher tendency to procrastinate are significantly less likely to have engaged in most of the heating energy-saving activities, especially regarding larger purchases or investments in equipment and the insulation of doors and windows. I also found a positive relationship between environmental awareness and engaging in everyday energy-saving activities such as reducing the indoor temperature. The findings suggest that measures aimed at reducing procrastination are needed to realise energy-saving potential. It is important to find ways to either bring future benefits closer to the present or to magnify the costs of delayed action. For example, one can employ certain feedback systems and commitment devices to make current gains and future costs more visible or tangible. - Highlights: • Norwegian online survey on factors affecting households' heating energy saving activities. • Identify the effect of procrastination and environmental awareness in energy saving decision making. • People with a higher tendency to procrastinate are less likely to engage in energy saving activities. • Procrastination can limit the positive effect of environmental awareness on energy saving. • Innovative behavioural measures are suggested to bring people's “energy saving plans or decisions” to action.

Potential savings of harmonising hospital and community formularies for chronic disease medications initiated in hospital.

Directory of Open Access Journals (Sweden)

Lauren Lapointe-Shaw

Full Text Available Hospitals in Canada manage their formularies independently, yet many inpatients are discharged on medications which will be purchased through publicly-funded programs. We sought to determine how much public money could be saved on chronic medications if hospitals promoted the initiation of agents with the lowest outpatient formulary prices.We used administrative databases for the province of Ontario to identify patients initiated on a proton pump inhibitor (PPI, angiotensin-converting enzyme (ACE inhibitor or angiotensin receptor blocker (ARB following hospital admission from April 1(st 2008-March 31(st 2009. We assessed the cost to the Ontario Drug Benefit Program (ODB over the year following initiation and determined the cost savings if prescriptions were substituted with the least expensive agent in each class.The cost for filling all PPI, ACE inhibitor and ARB prescriptions was $ 2.48 million, $968 thousand and $325 thousand respectively. Substituting the least expensive agent could have saved $1.16 million (47% for PPIs, $162 thousand (17% for ACE inhibitors and $14 thousand (4% for ARBs over the year following discharge.In a setting where outpatient prescriptions are publicly funded, harmonising outpatient formularies with inpatient therapeutic substitution resulted in modest cost savings and may be one way to control rising pharmaceutical costs.

The Governance of Money Laundering

DEFF Research Database (Denmark)

Tsingou, Eleni

2014-01-01

What are the drivers behind the anti-money laundering (AML) governance framework? Who are the actors and institutions, and what is the policy content? This chapter provides an overview of the processes and mechanisms of AML policy-making. AML is often presented as a financial problem, and something......, moreover, that is key to debates about international political economy (IPE) since it goes to the heart of the integrity of the financial system and also, at least in principle, aims to impose controls on the movement of money. Yet, as a policy concern, thinking about money laundering was developed away...... from traditional settings for the regulation of global finance. Instead, AML policies were driven by and linked to the public policy objectives of law and order. As a result, the governance of money laundering encompasses a broad set of goals, techniques and professional knowledge. It brings together...

Epoxy-coal hydraulic insulation for structures of the Nurek Hydroelectric Powerplant

Energy Technology Data Exchange (ETDEWEB)

Sakharov, V I; Segal, M S; Solov' ev, I N; Yazev, R E

1978-03-01

The design of the Nurek Powerplant exposed the base of the core of the dam to a head of 270 m. To avoid seepage, it was decided to construct an antiseepage screen. Given the total hydraulic insulation area required, 26,540 m/sup 2/, the use of a metal screen would be quite expensive. It was therefore decided to use an epoxy-coal material consisting of a primer, varnish and enamel based on epoxy resins modified by the addition of coal tar, a waste product from the dry distillation of coal. A typical hydraulic insulation layer consists of a coat of primer, three or four coats of varnish and a coat of enamel. Glass-reinforced fabric is used with the first through third coats of varnish to increase crack resistance. The coating thus produced is found to be resistant to overbearing soil pressure of up to 600 t/m/sup 2/, hydrostatic head of up to 300 m and constant shear forces of up to 100 t/m/sup 2/. The method also saves labor and expensive metal.

Techniques for implementing anti-money laundering procedures

OpenAIRE

BEREZANSKY V.V.; CHALDAEVA L.A.; KILYACHKOV A.A.

2016-01-01

Manipulating the banking system for purposes of money laundering is a relatively new phenomenon. This problem was first identified in 1986 in the United States, when it was classified as a criminal offense. In Russia, anti-money laundering measures are regulated with Federal Law No. 115-FZ On Counteracting Money Laundering and the Financing of Terrorism (7 August 2001, as amended). Given the high-speed, digitized nature of banking transactions, the technology for countering money laundering s...

European Regulatory Framework for Money Market Funds

OpenAIRE

Portuese, Aurelien; MacNeil, Iain

2014-01-01

Money market funds are widely used by all types of investors, including households, corporate treasurers, pension funds, or insurance companies, who regard money market funds as a ‘safe’ short-term liquid asset class for investing cash. In this case they are proxies to cash deposits. Money market funds are themselves key lenders to issuers of short dated high quality money market instruments. They provide an important source of funding for a variety of institutions such as sovereigns, banks, ...

Money circulation and debt circulation: A restatement of quantity theory of money

OpenAIRE

Xing, Xiaoyun; Xiong, Wanting; Chen, Liujun; Chen, Jiawei; Wang, Yougui; Stanley, H. Eugene

2018-01-01

Both money and debt are products of credit creation of banks. Money is always circulating among traders by facilitating commodity transactions. In contrast, debt is created by borrowing and annihilated by repayment as it is matured. However, when this creation- annihilation process is mediated by banks which are constrained by a credit capacity, there exists continuous transfer of debt among debtors, which can be defined as debt circulation. This paper presents a multi-agent model in which in...

Explaining money creation by commercial banks

DEFF Research Database (Denmark)

Ravn, Ib

2015-01-01

Educators and economists concerned with monetary reform face the extraordinary challenge of explaining to the public and its elected representatives not only what a reformed system would look like, but also how the current system works. Centrally, the point that in a modern economy money is largely...... created by commercial banks, as explained by the Bank of England recently (McLeay, Radia & Thomas, 2014b), is often met with incredulity: “What do you mean, created?” This paper introduces five easy-to-grasp analogies that educators and reformers may use to convey key money-creation concepts to a lay...... audience. The analogies offered include (1) money as patches in an expandable patchwork quilt that covers a nation’s real assets, (2) the money supply as water in a bathtub with a faucet and a drain, (3) money understood as debt in a model economy run by schoolchildren, (4) the misleading concept of a bank...

Time and Money - Are they Substitutes?

DEFF Research Database (Denmark)

Bonke, Jens; Deding, Mette; Lausten, Mette

In this paper, we analyse the distribution of time and money for Danish wage earner couples, where time is defined as leisure time and money as extended income, i.e. the sum of disposable income and the value of housework. The hypothesis is that individuals being rich in one dimension are more...... likely to be poor in the other dimension, such that individuals can be classified as either money-poor/time-rich or money-rich/time-poor. We analyse two different distributions of income, where the first assumes no sharing and the second complete sharing of income between spouses. The data are from...... the Danish Time-Use Survey 2001, merged with register data. Results show that the substitution of money for time is more prominent for women than for men, because they have a larger income share of time-intensive value of housework, while men have the larger share of disposable income. Furthermore, when...

The Money Laundering Prevention System

Directory of Open Access Journals (Sweden)

Sonja Cindori

2007-03-01

Full Text Available The paper presents the money laundering and terrorist financing prevention system in Croatia. The basic concepts are defined, the principles and fundamentals of international regulations analysed, and the regulatory system in Croatia covered by statute and money laundering prevention Regulations is presented, in conjunction with a description of the organisation, remit and international actions of the Money Laundering Prevention Office.The infiltration of dirty money is a crucial problem from national economies. The purchase of shares, of real estate, the establishment of dirty investment funds and the use of the banking system for the embedding of such resources is a danger to the credibility of a whole country, and in particular to the security of the financial and banking system. Croatia has adopted statutory measures aimed at the effective detection and prevention of suspicious financial transactions, in other words the prevention of money laundering.Launderers constantly find new ways, make use of new non-financial channels and expand their activities to real estate, artworks and insurance. Hence it is necessary to keep up with European approaches and recommendations, to strive for further improvement of the laws and the modernisation of the system, and to adopt new regulations harmonised with international standards, particularly with Directive 2005/60/EC.

Estimate of Cost-Effective Potential for Minimum Efficiency Performance Standards in 13 Major World Economies Energy Savings, Environmental and Financial Impacts

Energy Technology Data Exchange (ETDEWEB)

Letschert, Virginie E. [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Bojda, Nicholas [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Ke, Jing [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); McNeil, Michael A. [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States)

2012-07-01

This study analyzes the financial impacts on consumers of minimum efficiency performance standards (MEPS) for appliances that could be implemented in 13 major economies around the world. We use the Bottom-Up Energy Analysis System (BUENAS), developed at Lawrence Berkeley National Laboratory (LBNL), to analyze various appliance efficiency target levels to estimate the net present value (NPV) of policies designed to provide maximum energy savings while not penalizing consumers financially. These policies constitute what we call the “cost-effective potential” (CEP) scenario. The CEP scenario is designed to answer the question: How high can we raise the efficiency bar in mandatory programs while still saving consumers money?

The Vulnerability of Correspondent Banking on Money Laundering

OpenAIRE

Handoyo, Sigit

2017-01-01

Bank has important role in process of converting illicit money to be legal proceeds. Once opportunity appears, money launderer will take advantage of that situation. Generally, banks which have poor anti-money laundering control become the main priority for offenders to process laundering their illicit money. These typical banks are usually high risk engaged in criminal behaviour, because they do not know whether or not their clients are engaged in money laundering activities. Offenders in ot...

Gravity Models of Trade-based Money Laundering

NARCIS (Netherlands)

Ferwerda, J.|info:eu-repo/dai/nl/314405526; Kattenberg, M.A.C.|info:eu-repo/dai/nl/357208986; Chang, H.-S.; Unger, B.|info:eu-repo/dai/nl/290994926; Groot, L.F.M.|info:eu-repo/dai/nl/073642398; Bikker, J.A.|info:eu-repo/dai/nl/06912261X

2011-01-01

Several attempts have been made in the economics literature to measure money laundering. However, the adequacy of these models is difficult to assess, as money laundering takes place secretly and, hence, goes unobserved. An exception is tradebased money laundering (TBML), a special form of trade

Compliance and corporate anti-money laundering regulation

Directory of Open Access Journals (Sweden)

Pietro Pavone

2018-04-01

Full Text Available This paper, having traced the evolution of anti-money laundering legislation, defines and frames money laundering and terrorism financing risk inside corporate dynamics. Principles that must inspire corporate actions on the construction of an adequate managing structure to contain risks are set out, considering the fact that there is no risk that this does not have an economical content. This is even truer in the presented case, given that the Italian legislation to counter money laundering is focused on the innovative and modern risk-based approach, which has to guide the organization and functioning of corporations. Possible configuration of corporate anti-money laundering supervisions is therefore analyzed, with the aim of underlining the present connection between anti-money laundering legislation and rules referring to the government and to the internal control system. The present study originates from the interpretation of the new Italian anti-money laundering law. In particular, the first consideration that derives is that the new law does not impose precise obligations in terms of corporate anti-money laundering structure, but a large area of autonomy is left to the will of each company.

The endogeneity of money and the eurosystem

OpenAIRE

Steiger, Otto

2004-01-01

The endogenous theory of money, developed by Basil Moore, argues that the supply of central bank money in modern economies is not under the control of the central bank. According to this view, a central bank typically supplies cash reserves automatically on demand at its minimum lending rate, resulting in a clearly horizontal money supply function. While the paper agrees with Moore that the supply of central bank money cannot be determined exogenously by the central bank, it wonders whether t...

Endogenous money: the evolutionary versus revolutionary views

OpenAIRE

Louis-Philippe Rochon; Sergio Rossi

2013-01-01

The purpose of this paper is to shed light on the endogenous nature of money. Contrary to the established post-Keynesian, or evolutionary, view, this paper argues that money has always been endogenous, irrespective of the historical period. Instead of the evolutionary theory of money and banking that can be traced back to Chick (1986), this paper puts forward a revolutionary definition of endogenous money consistent with many aspects of post-Keynesian economics as well as with the monetary ci...

Gravity Models of Trade-Based Money Laundering

NARCIS (Netherlands)

Ferwerda, Joras|info:eu-repo/dai/nl/314405526; Kattenberg, Marc|info:eu-repo/dai/nl/357208986; Chang, Han-Hsin|info:eu-repo/dai/nl/357209370; Unger, Brigitte|info:eu-repo/dai/nl/290994926; Groot, Loek|info:eu-repo/dai/nl/073642398; Bikker, Jaap|info:eu-repo/dai/nl/06912261X

Several attempts have been made in the economics literature to measure money laundering. However, the adequacy of these models is difficult to assess, as money laundering takes place secretly and, hence, goes unobserved. An exception is trade-based money laundering (TBML), a special form of trade

75 FR 10059 - Money Market Fund Reform

Science.gov (United States)

2010-03-04

... contain adverse effects on the capital markets and other money market funds. In addition, throughout the... acquisition of second tier securities by money market funds might have a negative effect on those issuers of...; Treasury Strategies Comment Letter. Commenters asserted that eliminating money market funds' ability to...

The Determinants of Money Arguments between Spouses

Directory of Open Access Journals (Sweden)

Dorothy B. Durband

2010-10-01

Full Text Available A commonly held view is that arguments about money are associated with marital problems, but relatively little is known about the nature of arguing about money within marriage. Using data from the National Longitudinal Survey of Youth 1979 (NLSY79, this study uses a collective bargaining approach to examine the role of money arguments in marriage. The sample (N = 1,371 consists of married women. A collective bargaining framework provides a context for understanding money arguments within the marital relationship. Results indicate that costly communication is the dominant predictor of money arguments, followed by level and proportion of wife’s income, and household net worth. Because results suggest that both communication and financial resources are important components to understanding money arguments within marriage, a combination of professionals trained in marital therapy and/or financial planning is required for couples interested in seeking assistance to increase their satisfaction and/or avoid divorce.

Stability of Money Demand Function in Pakistan

Directory of Open Access Journals (Sweden)

Haroon Sarwar

2013-09-01

Full Text Available The role, which money demand function plays in monetary policy formulation has attracted a lot of research studies to analyze this macroeconomic phenomenon. In the wake of current global and local economic and political upheavals, it is imperative to revisit the stability of money demand function. The study used the time series data and applied latest econometric techniques to find out the long run and short run money demand relationship. Moreover, all the three official monetary aggregates were used for finding out the most stable monetary demand relationship, which could provide correct signals for monetary policy formulation. The study found that broader monetary aggregate (M2 was the proper aggregate, which provided stable money demand function for Pakistan. The real GDP was positively related to the demand for real balances, while opportunity cost of money was negatively related. The study found that the role of financial innovation, in explaining the demand for money warrants attention in formulating monetary policy.

Self-Healing Wire Insulation

Science.gov (United States)

Parrish, Clyde F. (Inventor)

2012-01-01

A self-healing system for an insulation material initiates a self-repair process by rupturing a plurality of microcapsules disposed on the insulation material. When the plurality of microcapsules are ruptured, reactants within the plurality of microcapsules react to form a replacement polymer in a break of the insulation material. This self-healing system has the ability to repair multiple breaks in a length of insulation material without exhausting the repair properties of the material.

Energy saving and indoor climate optimization using sunscreen techniques; Energieeinsparung und Raumklimaoptimierung mit Sonnenschutztechnik. Intelligente Fassadenkonzepte

Energy Technology Data Exchange (ETDEWEB)

Anon.

2010-09-15

The total view of a building is supposed to display representative impression. Spectacular architecture ensures public notice. On the other hand it is necessary to take care of the needs of the people using the specific building, including indoor climate quality. The social requirement concerning environmental protection and energy saving is of high relevance. The realization of these requirements is performed using natural venting, dynamic insulation and daylight management based on an intelligent control of windows and sun screens.

The psychological science of money

NARCIS (Netherlands)

Bijleveld, E.H.; Aarts, H.A.G.

2014-01-01

The Psychological Science of Money brings together classic and current findings on the myriad ways money affects brain, mind, and behavior to satisfy not only our needs for material gain, but also for autonomy and self-worth. Leading experts trace the links between early concepts of value and modern

A psychological perspective on money

NARCIS (Netherlands)

Bijleveld, E.H.; Aarts, H.A.G.; Bijleveld, E.H.; Aarts, H.A.G.

2014-01-01

A thriving field of inquiry, the psychological science of money has recently witnessed an upsurge in research attention. In the present volume, we bring together and integrate a number of theoretical perspectives on the question of ‘how does money affect people’s mind, brain, and behavior?’

42 CFR 493.1834 - Civil money penalty.

Science.gov (United States)

2010-10-01

... 42 Public Health 5 2010-10-01 2010-10-01 false Civil money penalty. 493.1834 Section 493.1834... (CONTINUED) STANDARDS AND CERTIFICATION LABORATORY REQUIREMENTS Enforcement Procedures § 493.1834 Civil money... Secretary to impose civil money penalties on laboratories. Section 1846(b)(3) of the Act specifically...

Is money laundering a true problem in China?

Science.gov (United States)

Ping, He

2006-02-01

Money laundering was stipulated as an offense by Chinese criminal law more than 10 years ago. However, the judicial situation is such that no one has yet been prosecuted for it. This article describes the phenomena that are closely related to money laundering, namely the current situation of the predicate offences and other factors conducive to money laundering such as corruption, underground bank shops, and shell companies. Based on these facts, the article infers that money laundering is a real problem in China. Then it explores the reasons why case examples of money laundering are not available. Finally, this article presents some of the factors necessary in the investigation of money laundering.

"Introduction to an Alternative History of Money"

OpenAIRE

L. Randall Wray

2012-01-01

This paper integrates the various strands of an alternative, heterodox view on the origins of money and the development of the modern financial system in a manner that is consistent with the findings of historians and anthropologists. As is well known, the orthodox story of money's origins and evolution begins with the creation of a medium of exchange to reduce the costs of barter. To be sure, the history of money is "lost in the mists of time," as money's invention probably predates writing....

Comparative characteristics of electronic, cash and cashless money

Directory of Open Access Journals (Sweden)

Ксенія Романівна Петрофанова

2017-12-01

The study of the peculiarities of electronic money is accompanied by the discovery of a large number of theoretical and practical problems and separate discussion issues of important application significance. As the number of e-money users increases with the development of e-commerce, protecting their interests requires proper civil and financial regulation. Comparing electronic money with cash and non-cash money, we found that they, by combining the benefits of the other two forms of money, actually became the third specific monetary form

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

This paper quantifies the energy savings realised by a sample of participants in the Sustainable Energy Authority of Ireland's Home Energy Saving (HES) residential retrofit scheme (currently branded as the Better Energy Homes scheme), through an ex post billing analysis. The billing data are used to evaluate: (1) the reduction in gas consumption of the sample between pre- (2008) and post- (2010) scheme participation when compared to the gas consumption of a control group, (2) an estimate of the shortfall when this result is compared to engineering-type ex ante savings estimates and (3) the degree to which these results may apply to the wider population. All dwellings in the study underwent energy efficiency improvements, including insulation upgrades (wall and/or roof), installation of high-efficiency boilers and/or improved heating controls, as part of the HES scheme. Metered gas use data for the 210 households were obtained from meter operators for a number of years preceding dwelling upgrades and for a post-intervention period of 1 year. Dwelling characteristics and some household behavioural data were obtained through a survey of the sample. The gas network operator provided anonymised data on gas usage for 640,000 customers collected over the same period as the HES sample. Dwelling type data provided with the population dataset enabled matching with the HES sample to increase the internal validity of the comparison between the control (matched population data) and the treatment (HES sample). Using a difference-in-difference methodology, the change in demand of the sample was compared with that of the matched population subset of gas-using customers in Ireland over the same time period. The mean reduction in gas demand as a result of energy efficiency upgrades for the HES sample is estimated as 21 % or 3,664{+-}603 kWh between 2008 and 2010. An ex ante estimate of average energy savings, based on engineering calculations (u value reductions and improved boiler

42 CFR 460.46 - Civil money penalties.

Science.gov (United States)

2010-10-01

... 42 Public Health 4 2010-10-01 2010-10-01 false Civil money penalties. 460.46 Section 460.46 Public...) Sanctions, Enforcement Actions, and Termination § 460.46 Civil money penalties. (a) CMS may impose civil money penalties up to the following maximum amounts: (1) For each violation regarding enrollment or...

Understanding the mobile money ecosystem

DEFF Research Database (Denmark)

Tobbin, P.

2011-01-01

This paper discusses the structure of the new mobile money ecosystem and the roles of its key players. Mobile money is an evolving sector both in volume and in economic impact especially in the developing world. The paper is an exploratory study that investigates the structure of the ecosystem, p...

Marital Satisfaction as it Related to Agreement on Money Matters and Money Management Competence Among Utah State University Married Students

OpenAIRE

Young, Carol S.

1982-01-01

The primary purpose of this study was to investigate the relationship between marital satisfaction, agreement on money matters, and money management competence among married couples at Utah State University . A sample of 43 student couples responded to a written questionnaire designed to measure the three variables. On all three variables measured, high scores indicated that both spouses rated themselves high on marital satisfaction, agreement on money matters, and money management competence...

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...

Money Laundering – an Economic Offence

OpenAIRE

Camelia ŞERBAN MORĂREANU

2011-01-01

Preventing and combating money laundering, the product of the transnational organized crime, in general, is one of the most efficient means of stopping this activity, which is a threat for the national or international economic operations. The penal incrimination and sanction of money laundering is a useful instrument for the accountability of all categories of offenders, but also with the purpose of imposing more severe sanctions for those who commit offences generating dirty money, behind s...

Measuring the effect of procrastination and environmental awareness on households' energy-saving behaviours: An empirical approach

International Nuclear Information System (INIS)

Lillemo, Shuling Chen

2014-01-01

A common finding in behavioural economics is that people often procrastinate, i.e., keep postponing planned tasks or decisions that require effort to execute. The effect of procrastination on inter-temporal energy choice behaviours could be even more serious because energy is an abstract, invisible and intangible commodity. This paper uses a web survey to investigate how people's procrastination propensity and environmental awareness affect their heating-energy-saving behaviours. The results indicate that people who state that they have a higher tendency to procrastinate are significantly less likely to have engaged in most of the heating energy-saving activities, especially regarding larger purchases or investments in equipment and the insulation of doors and windows. I also found a positive relationship between environmental awareness and engaging in everyday energy-saving activities such as reducing the indoor temperature. The findings suggest that measures aimed at reducing procrastination are needed to realise energy-saving potential. It is important to find ways to either bring future benefits closer to the present or to magnify the costs of delayed action. For example, one can employ certain feedback systems and commitment devices to make current gains and future costs more visible or tangible. - Highlights: • Norwegian online survey on factors affecting households' heating energy saving activities. • Identify the effect of procrastination and environmental awareness in energy saving decision making. • People with a higher tendency to procrastinate are less likely to engage in energy saving activities. • Procrastination can limit the positive effect of environmental awareness on energy saving. • Innovative behavioural measures are suggested to bring people's “energy saving plans or decisions” to action

12 CFR 509.103 - Civil money penalties.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Civil money penalties. 509.103 Section 509.103... PROCEDURE IN ADJUDICATORY PROCEEDINGS Local Rules § 509.103 Civil money penalties. (a) Assessment. In the... may serve an order of assessment of civil money penalty upon the party concerned. The assessment order...

42 CFR 73.21 - Civil money penalties.

Science.gov (United States)

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false Civil money penalties. 73.21 Section 73.21 Public... SELECT AGENTS AND TOXINS § 73.21 Civil money penalties. (a) The Inspector General of the Department of Health and Human Services is delegated authority to conduct investigations and to impose civil money...

48 CFR 31.205-10 - Cost of money.

Science.gov (United States)

2010-10-01

... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Cost of money. 31.205-10....205-10 Cost of money. (a) General. Cost of money— (1) Is an imputed cost that is not a form of...) Refers to— (i) Facilities capital cost of money (48 CFR 9904.414); and (ii) Cost of money as an element...

Heat insulation support device

International Nuclear Information System (INIS)

Takahashi, Hiroyuki; Koda, Tomokazu; Motojima, Osamu; Yamamoto, Junya.

1994-01-01

The device of the present invention comprises a plurality of heat insulation legs disposed in a circumferential direction. Each of the heat insulative support legs has a hollow shape, and comprises an outer column and an inner column as support structures having a heat insulative property (heat insulative structure), and a thermal anchor which absorbs compulsory displacement by a thin flat plate (displacement absorber). The outer column, the thermal anchor and the inner column are connected by a support so as to offset the positional change of objects to be supported due to shrinkage when they are shrunk. In addition, the portion between the superconductive coils as the objects to be supported and the inner column is connected by the support. The superconductive thermonuclear device is entirely contained in a heat insulative vacuum vessel, and the heat insulative support legs are disposed on a lower lid of the heat insulative vacuum vessel. With such a constitution, they are strengthened against lateral load and buckling, thereby enabling to reduce the amount of heat intrusion while keeping the compulsory displacement easy to be absorbed. (I.N.)

Economically optimal thermal insulation

Energy Technology Data Exchange (ETDEWEB)

Berber, J.

1978-10-01

Exemplary calculations to show that exact adherence to the demands of the thermal insulation ordinance does not lead to an optimal solution with regard to economics. This is independent of the mode of financing. Optimal thermal insulation exceeds the values given in the thermal insulation ordinance.

A meme for money

OpenAIRE

Wray, L. Randall

2012-01-01

This paper argues that the usual framing of discussions of money, monetary policy, and fiscal policy plays into the hands of conservatives. That framing is also largely consistent with the conventional view of the economy and of society more generally. To put it the way that economists usually do, money "lubricates" the market mechanism-a good thing, because the conventional view of the market itself is overwhelmingly positive. Acknowledging the work of George Lakoff, this paper takes the pos...

The Meaning of Money Revisited: Workers' View.

Science.gov (United States)

Tang, Thomas Li-Ping

Money has significant impacts on people's motivation and their work-related behavior in organizations. This study was conducted to develop the Money Ethic Scale (MES) and to examine the initial nomological network of the scale. A 25-page questionnaire on attitudes toward money was distributed to 1,200 subjects, including students and faculty of a…

12 CFR 1250.3 - Civil money penalties.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Civil money penalties. 1250.3 Section 1250.3 Banks and Banking FEDERAL HOUSING FINANCE AGENCY ENTERPRISES FLOOD INSURANCE § 1250.3 Civil money... to § 1250.2, the Director of FHFA, or his or her designee, may assess civil money penalties against...

Panels of microporous insulation

Energy Technology Data Exchange (ETDEWEB)

McWilliams, J.A.; Morgan, D.E.; Jackson, J.D.J.

1990-08-07

Microporous thermal insulation materials have a lattice structure in which the average interstitial dimension is less than the mean free path of the molecules of air or other gas in which the material is arranged. This results in a heat flow which is less than that attributable to the molecular heat diffusion of the gas. According to this invention, a method is provided for manufacturing panels of microporous thermal insulation, in particular such panels in which the insulation material is bonded to a substrate. The method comprises the steps of applying a film of polyvinyl acetate emulsion to a non-porous substrate, and compacting powdery microporous thermal insulation material against the film so as to cause the consolidated insulation material to bond to the substrate and form a panel. The polyvinyl acetate may be applied by brushing or spraying, and is preferably allowed to dry prior to compacting the insulation material. 1 fig.

The Influence of Money on Goal Pursuit and Decision-Making: Understanding Money's Unique Impact on Goal Pursuit

OpenAIRE

Moran, Nora

2015-01-01

Previous research suggests that activating concepts of money and wealth can increase motivation to achieve personal goals. In this dissertation, I investigate how money affects pursuit of important personal goals, and how this motivation may be affected by goal attainability. In eight studies, I show that priming concepts of money and wealth leads individuals to pursue important personal goals to a greater degree than control groups, but only when a goal is more attainable. In contrast, when...

The love of money results in objectification.

Science.gov (United States)

Wang, Xijing; Krumhuber, Eva G

2017-06-01

Objectification, which refers to the treatment of others as objectlike things, has long been observed in capitalism. While the negative impact of money on interpersonal harmony has been well documented, the social cognitive processes that underlie them are relatively unknown. Across four studies, we explored whether the love of money leads to objectification, while controlling for social power and status. In Study 1, the love and importance attached to money positively predicted the tendency to construe social relationships based on instrumentality. In Study 2, the likelihood to favour a target of instrumental use was increased by momentarily activating an affective state of being rich. Temporarily heightening the motivation for money further resulted in deprivation of mental capacities of irrelevant others, including humans (Study 3) and animals (Study 4). This lack of perceived mental states partially mediated the effects of money on subsequent immoral behaviour (Study 4). The findings are the first to reveal the role of objectification as a potential social cognitive mechanism for explaining why money often harms interpersonal harmony. © 2016 The British Psychological Society.

Total dose hardening of buried insulator in implanted silicon-on-insulator structures

International Nuclear Information System (INIS)

Mao, B.Y.; Chen, C.E.; Pollack, G.; Hughes, H.L.; Davis, G.E.

1987-01-01

Total dose characteristics of the buried insulator in implanted silicon-on-insulator (SOI) substrates have been studied using MOS transistors. The threshold voltage shift of the parasitic back channel transistor, which is controlled by charge trapping in the buried insulator, is reduced by lowering the oxygen dose as well as by an additional nitrogen implant, without degrading the front channel transistor characteristics. The improvements in the radiation characteristics of the buried insulator are attributed to the decrease in the buried oxide thickness or to the presence of the interfacial oxynitride layer formed by the oxygen and nitrogen implants

Measuring Money Demand Function in Pakistan

OpenAIRE

Hassan, Shahid; Ali, Umbreen; Dawood, Mamoon

2016-01-01

This study investigates the factors such as interest rate, GDP per capita, exchange rate, fiscal deficit, urban and rural population to determine money demand function for Pakistan over the period from 1972-2013. We use ARDL Bound Testing approach in order to test long run relation between money demand and its factors whereas both long and short run coefficients will be found using similar approach. The results show that real interest rate exerts significant and negative effect upon money dem...

A Theory of Money and Banking

OpenAIRE

David Andolfatto; Ed Nosal

2003-01-01

We construct a simple environment that combines a limited communication friction and a limited information friction in order to generate a role for money and intermediation. We ask whether there is any reason to expect the emergence of a banking sector (i.e., institutions that combine the business of money creation with the business of intermediation). In our model the unique equilibrium is characterized, in part, by the existence of an agent that: (1) creates money (a debt instrument that ci...

Survey of thermal insulation systems

International Nuclear Information System (INIS)

Kinoshita, Izumi

1983-01-01

Better thermal insulations have been developed to meet the growing demands of industry, and studies on thermal insulation at both high temperature and low temperature have been widely performed. The purpose of this survey is to summarize data on the performances and characteristics of thermal insulation materials and thermal insulation structures (for instance, gas cooled reactors, space vehicles and LNG storage tanks), and to discuss ravious problems regarding the design of thermal insulation structures of pool-type LMFBRs. (author)

Detection of UV Pulse from Insulators and Application in Estimating the Conditions of Insulators

Science.gov (United States)

Wang, Jingang; Chong, Junlong; Yang, Jie

2014-10-01

Solar radiation in the band of 240-280 nm is absorbed by the ozone layer in the atmosphere, and corona discharges from high-voltage apparatus emit in air mainly in the 230-405 nm range of ultraviolet (UV), so the band of 240-280 nm is called UV Solar Blind Band. When the insulators in a string deteriorate or are contaminated, the voltage distribution along the string will change, which causes the electric fields in the vicinity of insulators change and corona discharge intensifies. An UV pulse detection method to check the conditions of insulators is presented based on detecting the UV pulse among the corona discharge, then it can be confirmed that whether there exist faulty insulators and whether the surface contamination of insulators is severe for the safe operation of power systems. An UV-I Insulator Detector has been developed, and both laboratory tests and field tests have been carried out which demonstrates the practical viability of UV-I Insulator Detector for online monitoring.

The Basics of the Money Flow Management of Enterprise

Directory of Open Access Journals (Sweden)

Tanklevska Nataliya S.

2017-06-01

Full Text Available Essence of the definition of «money flow» of enterprise has been researched. The theoretical basis for the formation of money flows of enterprise, including the developments by mercantilists, marxists, monetarists, and contemporaries has been systematized. Cycles of the money flow and its relationship to the circulation of economic means have been characterized. The money flow discounting factors have been determined, which include inflation, risk, and alternativeness of investment process. The economic, political, social, and techno-economic risks that impact the management of money flows of enterprise have been allocated. The classification of money flows of enterprises by various attributes has been provided. The main sources of formation and modalities of the optimal money flow structure of enterprise have been determined. The advantages and disadvantages of using financial resources to generate money flows of enterprise have been characterized.

Thermal insulation

International Nuclear Information System (INIS)

Pinsky, G.P.

1977-01-01

Thermal insulation for vessels and piping within the reactor containment area of nuclear power plants is disclosed. The thermal insulation of this invention can be readily removed and replaced from the vessels and piping for inservice inspection, can withstand repeated wettings and dryings, and can resist high temperatures for long periods of time. 4 claims, 3 figures

Fertility and money in an OLG model

OpenAIRE

Luciano Fanti

2012-01-01

We extend the two-period-lived-agent overlapping generations model with endogenous fertility and demand for money to understand whether and how the introduction of a money sector modifies what we have so far learned about fertility behaviours. It is shown that the existence of money may tend to exacerbate existing problems of either under-population or over-population.

12 CFR 908.6 - Civil money penalties.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Civil money penalties. 908.6 Section 908.6... Proceedings § 908.6 Civil money penalties. (a) Notice of assessment—(1) Grounds. The Finance Board may issue and serve a notice of assessment of a civil money penalty on any Bank or any executive officer or...

Wrapped Multilayer Insulation

Science.gov (United States)

Dye, Scott A.

2015-01-01

New NASA vehicles, such as Earth Departure Stage (EDS), Orion, landers, and orbiting fuel depots, need improved cryogenic propellant transfer and storage for long-duration missions. Current cryogen feed line multilayer insulation (MLI) performance is 10 times worse per area than tank MLI insulation. During each launch, cryogenic piping loses approximately 150,000 gallons (equivalent to $300,000) in boil-off during transfer, chill down, and ground hold. Quest Product Development Corp., teaming with Ball Aerospace, developed an innovative advanced insulation system, Wrapped MLI (wMLI), to provide improved thermal insulation for cryogenic feed lines. wMLI is high-performance multilayer insulation designed for cryogenic piping. It uses Quest's innovative discrete-spacer technology to control layer spacing/ density and reduce heat leak. The Phase I project successfully designed, built, and tested a wMLI prototype with a measured heat leak 3.6X lower than spiral-wrapped conventional MLI widely used for piping insulation. A wMLI prototype had a heat leak of 7.3 W/m2, or 27 percent of the heat leak of conventional MLI (26.7 W/m2). The Phase II project is further developing wMLI technology with custom, molded polymer spacers and advancing the product toward commercialization via a rigorous testing program, including developing advanced vacuuminsulated pipe for ground support equipment.

The role of compensation in money market and new money market instruments Open

OpenAIRE

Duduiala-Popescu, Lorena

2009-01-01

Creation and proper functioning of the money market in Romania is subject to a preponderant constancy of private property, to support competition as a factor increasing the efficiency of the economy. Appearance money market in Romania is related to the transformations that have manifested in our country since 1989. As a mechanism of market economy, can not talk about them in existence before 1989. In a centralized economy, instruments, financial categories have ceased to reflect the actual si...

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

The study estimates the feasible energy savings potential in the 2010 building stock by 2050. The focus is on energy-saving measures related to renovation of residential and service buildings. The calculations were done by building types and age groups using the EKOREM calculation model. The calculations indicate the building types and structural elements where potential for savings exists. The study did not consider energy-saving measures related to changes in heating systems, electrical equipment, property maintenance or use habits. The study disproved the common belief that considerably more energy savings could be achieved faster by focussing on the existing building stock instead of new construction. That is mainly due the fact that it generally pays to implement structural energy-saving measures only when the targeted elements also require other significant repairs besides energy-efficiency improvements. Thus, energy renovations cannot be speeded up very much. The clearest exception are the extra insulations added to roof assemblies that are easy to implement. Attempts to save more energy in the building stock than can be achieved at a small additional cost in connection with needed renovations may multiply costs, and the saving in energy costs will not necessarily cover the additional investments. The efficiency of energy-saving measures can be affected by recommending or ordering use of more energy efficient windows, thicker extra insulations or more efficient ventilation heat recovery systems than the standard solution selected in connection with renovations. The goal of preserving the characteristics of buildings of cultural-historical or architectural value and the typical solutions and materials used in all buildings of a certain period limit the repair and renovation of structural elements. In the case of these buildings, improvement of energy efficiency can be considered in connection with the planning of renovations and the buildings' use and

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.

Magnetically self-insulated transformers

International Nuclear Information System (INIS)

Novac, B.M.; Smith, I.R.; Brown, J.

2002-01-01

Magnetic insulation is the only practicable form of insulation for much equipment used in ultrahigh pulsed-power work, including transmission lines and plasma opening switches. It has not however so far been successfully exploited in the transformers that are necessarily involved, and the first proposed design that appeared more than 30 years ago raised apparently insuperable problems. The two novel arrangements for a magnetically insulated transformer described in this paper overcome the problems faced by the earlier designs and also offer considerable scope for development in a number of important areas. Theoretical justification is given for their insulating properties, and this is confirmed by proof-of-principle results obtained from a small-scale experimental prototype in which magnetic insulation was demonstrated at up to 100 kV. (author)

Money giveth, money taketh away: the dual effect of wealth on happiness.

Science.gov (United States)

Quoidbach, Jordi; Dunn, Elizabeth W; Petrides, K V; Mikolajczak, Moïra

2010-06-01

This study provides the first evidence that money impairs people's ability to savor everyday positive emotions and experiences. In a sample of working adults, wealthier individuals reported lower savoring ability (the ability to enhance and prolong positive emotional experience). Moreover, the negative impact of wealth on individuals' ability to savor undermined the positive effects of money on their happiness. We experimentally exposed participants to a reminder of wealth and produced the same deleterious effect on their ability to savor as that produced by actual individual differences in wealth, a result supporting the theory that money has a causal effect on savoring. Moving beyond self-reports, we found that participants exposed to a reminder of wealth spent less time savoring a piece of chocolate and exhibited reduced enjoyment of it compared with participants not exposed to wealth. This article presents evidence supporting the widely held but previously untested belief that having access to the best things in life may actually undercut people's ability to reap enjoyment from life's small pleasures.

Saving Money Using Proportional Reasoning

Science.gov (United States)

de la Cruz, Jessica A.; Garney, Sandra

2016-01-01

It is beneficial for students to discover intuitive strategies, as opposed to the teacher presenting strategies to them. Certain proportional reasoning tasks are more likely to elicit intuitive strategies than other tasks. The strategies that students are apt to use when approaching a task, as well as the likelihood of a student's success or…

Energy management does save money

Energy Technology Data Exchange (ETDEWEB)

Reeve, A

1989-07-01

A brief article reviews the importance of various types of control systems in conserving energy in industry. A wide range of examples is quoted including expert systems, oxygen trim systems and building energy management systems. The examples are chosen to span a wide range of industrial sectors with particular mention of the food and drink industry. The importance of energy efficiency in combatting the growing concern over environmental issues and the greenhouse effect is also stressed. (UK).

Partnership Provides Tutoring, Saves Money

Science.gov (United States)

Korenman, Tamar; Knight, Eileen Quinn

2010-01-01

In the past, collaboration between universities and high schools has been limited to placing student teachers in a classroom to get acclimated to the teaching environment. Saint Xavier University wanted education students to develop their teaching skills in a deeper manner. A nearby high school, with many students from immigrant families, also had…

An elementary model of money circulation

Science.gov (United States)

Pokrovskii, Vladimir N.; Schinckus, Christophe

2016-12-01

This paper investigates money circulation for a system, consisting of a production system, the government, a central bank, commercial banks and many customers of the commercial banks. A set of equations for the system is written; the theory determines the main features of interaction between production and money circulation. Investigation of the equations in a steady-state situation reveals some relationship among output of the production system and monetary variables. The relation of quantity theory of money is confirmed, whereas a new concept of the efficiency of the system is introduced.

Beyond the static money multiplier: in search of a dynamic theory of money

OpenAIRE

Berardi, Michele

2007-01-01

In this paper, we analyze the process of money creation in a credit economy. We start from the consideration that the traditional money multiplier is a poor description of this process and present an alternative and dynamic approach that takes into account the heterogeneity of agents in the economy and their interactions. We show that this heterogeneity can account for the instability of the multiplier and that it can make the system path-dependent. By using concepts and techniques borrowed f...

Review of Literature for Inputs to the National Water Savings Model and Spreadsheet Tool-Commercial/Institutional

Energy Technology Data Exchange (ETDEWEB)

Whitehead, Camilla Dunham; Melody, Moya; Lutz, James

2009-05-29

Lawrence Berkeley National Laboratory (LBNL) is developing a computer model and spreadsheet tool for the United States Environmental Protection Agency (EPA) to help estimate the water savings attributable to their WaterSense program. WaterSense has developed a labeling program for three types of plumbing fixtures commonly used in commercial and institutional settings: flushometer valve toilets, urinals, and pre-rinse spray valves. This National Water Savings-Commercial/Institutional (NWS-CI) model is patterned after the National Water Savings-Residential model, which was completed in 2008. Calculating the quantity of water and money saved through the WaterSense labeling program requires three primary inputs: (1) the quantity of a given product in use; (2) the frequency with which units of the product are replaced or are installed in new construction; and (3) the number of times or the duration the product is used in various settings. To obtain the information required for developing the NWS-CI model, LBNL reviewed various resources pertaining to the three WaterSense-labeled commercial/institutional products. The data gathered ranged from the number of commercial buildings in the United States to numbers of employees in various sectors of the economy and plumbing codes for commercial buildings. This document summarizes information obtained about the three products' attributes, quantities, and use in commercial and institutional settings that is needed to estimate how much water EPA's WaterSense program saves.

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.

Research on vacuum insulation for cryocables

International Nuclear Information System (INIS)

Graneau, P.

1974-01-01

Vacuum insulation, as compared with solid insulation, simplifies the construction of both resistive or superconducting cryogenic cables. The common vacuum space in the cable can furnish thermal insulation between the environment and the cryogenic coolant, provide electrical insulation between conductors, and establish thermal isolation between go- and return-coolant streams. The differences between solid and vacuum high voltage insulation are discussed, and research on the design, materials selection, and testing of vacuum insulated cryogenic cables is described

Dynamic Analysis of Money Demand Function: Case of Turkey*

OpenAIRE

doğru, bülent

2013-01-01

In this paper, the dynamic determinants of money demand function and the long-run and short-run relationships between money demand, income and nominal interest rates are examined in Turkey for the time period 1980-2012. In particular we estimate a dynamic specification of a log money demand function based on Keynesian liquidity preference theory to ascertain the relevant elasticity of money demand. The empirical results of the study show that in Turkey inflation, exchange rate and money deman...

Performance Analysis of Cool Roof, Green Roof and Thermal Insulation on a Concrete Flat Roof in Tropical Climate

OpenAIRE

Zingre, Kishor T.; Yang, Xingguo; Wan, Man Pun

2015-01-01

In the tropics, the earth surface receives abundant solar radiation throughout the year contributing significantly to building heat gain and, thus, cooling demand. An effective method that can curb the heat gains through opaque roof surfaces could provide significant energy savings. This study investigates and compares the effectiveness of various passive cooling techniques including cool roof, green roof and thermal insulation for reducing the heat gain through a flat concrete roof in tropic...

An Industrial-Organization Approach to Money and Banking

OpenAIRE

Gunji, Hiroshi; Miyazaki, Kenji

2016-01-01

In this paper, we study the effect of conventional interest rate policy, quantitative easing and the reserve accounts’ interest rate on the money stock in an industrial-organization model of the banking industry with money creation. Our main findings are as follows. First, under a plausible setting of the parameters, the model with money creation supports the liquidity puzzle, in which tight monetary policy increases the money stock. Second, quantitative monetary easing has a similar effect. ...

Sound Insulation between Dwellings

DEFF Research Database (Denmark)

Rasmussen, Birgit

2011-01-01

Regulatory sound insulation requirements for dwellings exist in more than 30 countries in Europe. In some countries, requirements have existed since the 1950s. Findings from comparative studies show that sound insulation descriptors and requirements represent a high degree of diversity...... and initiate – where needed – improvement of sound insulation of new and existing dwellings in Europe to the benefit of the inhabitants and the society. A European COST Action TU0901 "Integrating and Harmonizing Sound Insulation Aspects in Sustainable Urban Housing Constructions", has been established and runs...... 2009-2013. The main objectives of TU0901 are to prepare proposals for harmonized sound insulation descriptors and for a European sound classification scheme with a number of quality classes for dwellings. Findings from the studies provide input for the discussions in COST TU0901. Data collected from 24...

MONEY AS A GLOBAL PUBLIC GOOD

OpenAIRE

Popescu Alexandra-Codruta

2009-01-01

The main objective of this paper is to discuss a complex and yet not taken in consideration global public good: money. Money is a social convention created and accepted by people in order to facilitate economic transactions, being a symbol, without an int

Improving the thermal integrity of new single-family detached residential buildings: Documentation for a regional database of capital costs and space conditioning load savings

International Nuclear Information System (INIS)

Koomey, J.G.; McMahon, J.E.; Wodley, C.

1991-07-01

This report summarizes the costs and space-conditioning load savings from improving new single-family building shells. It relies on survey data from the National Association of Home-builders (NAHB) to assess current insulation practices for these new buildings, and NAHB cost data (aggregated to the Federal region level) to estimate the costs of improving new single-family buildings beyond current practice. Space-conditioning load savings are estimated using a database of loads for prototype buildings developed at Lawrence Berkeley Laboratory, adjusted to reflect population-weighted average weather in each of the ten federal regions and for the nation as a whole

Preventive Care Benefits (Affordable Care Act)

Science.gov (United States)

... you can change plans Report income/family changes Saving Money See if you'll save Save on your ... you can change plans Report income/family changes Saving Money See if you'll save Save on your ...

MONEY LAUNDERING AS A TYPE OF ORGANIZED CRIME

Directory of Open Access Journals (Sweden)

Stevan Aleksoski

2015-07-01

Full Text Available Laundry wash is a new form of crime that endangers stability, transparency and efficiency of financial systems, the developed countries and developing countries. One of the most widespread and simplest understanding, and according to some authors and simplest definition of the term money laundering is the conversion of "black money in green." The most comprehensive definition of the term money laundering would be the definition accepted by the G-7 and the FATF, as supplemented by the element of avoiding legal consequences. According to this definition the process of money laundering is: - "The process by which the gains for which it is believed to originate from criminal activity are transported, transferred, converted or incorporated into legal funds in order to conceal their origin, source, movement or ownership. The purpose of the process of money laundering through illegal activities to enable these funds to appear as legitimate, and persons involved in criminal activity to escape the legal consequences of such action. " Given that money laundering is an international problem, the national regulations of almost all countries contain provisions that prohibit and penalize any kind of organized crime aimed at acquiring illegal material benefit. The money acquired illegally, criminals need to legalize or black money to resort to legal financial flows in order to conceal their origin, source, movement or ownership.

INTER-BANK CALL MONEY MARKET TRANSACTION IN INDONESIA

Directory of Open Access Journals (Sweden)

Aries Haryadi

2013-10-01

Full Text Available AbstractThis study analyzes the effect of Indonesian Bank loan, the amount of demand deposits, and the Indonesia economic crisis in 1997 on the interbank call money market transactions in Indonesia using a multiple linear regression method. This study finds that the variables influencing the interbank call money market transactions are the interest rate of interbank call money market and the check money. Both variables have positive effect on the interbank money market transactions in Indonesia.Keywords: Loans, Interest Rate, Check Money, Monetary Crisis, Interbank Money Market TransactionsJEL Classification Numbers: G21, G28AbstrakPenelitian ini menganalisis pengaruh pinjaman Bank Indonesia terhadap tingkat bunga pasar uang antar bank, jumlah uang giral, dan krisis ekonomi Indonesia tahun 1997 terhadap transaksi pasar uang antar bank di Indonesia menggunakan metode regresi linier berganda. Penelitian ini menemukan bahwa variabel yang berpengaruh terhadap transaksi pasar uang antar bank tersebut adalah tingkat bunga pasar uang antar bank dan jumlah uang giral. Dua variabel tersebut berpengaruh positif terhadap transaksi pasar uang antar bank di Indonesia.Keywords: Pinjaman, Tingkat Bunga, Uang Giral, Krisis Moneter, Transaksi Pasar Uang antar BankJEL Classification Numbers: G21, G28

The inaccuracy of heat transfer characteristics for non-insulated and insulated spherical containers neglecting the influence of heat radiation

International Nuclear Information System (INIS)

Wong, King-Leung; Salazar, Jose Luis Leon; Prasad, Leo; Chen, Wen-Lih

2011-01-01

In this investigation, the differences of heat transfer characteristics for insulated and non-insulated spherical containers between considering and neglecting the influence of heat radiation are studied by the simulations in some practical situations. It is found that the heat radiation effect cannot be ignored in conditions of low ambient convection heat coefficients (such ambient air) and high surface emissivities, especially for the non-insulated and thin insulated cases. In most practical situations when ambient temperature is different from surroundings temperature and the emissivity of insulation surface is different from that of metal wall surface, neglecting heat radiation will result in inaccurate insulation effect and heat transfer errors even with very thick insulation. However, the insulation effect considering heat radiation will only increase a very small amount after some dimensionless insulated thickness (such insulation thickness/radius ≥0.2 in this study), thus such dimensionless insulated thickness can be used as the optimum thickness in practical applications. Meanwhile, wrapping a material with low surface emissivity (such as aluminum foil) around the oxidized metal wall or insulation layer (always with high surface emissivity) can achieve very good insulated effect for the non-insulated or thin insulated containers.

Electrical insulating liquid: A review

Directory of Open Access Journals (Sweden)

Deba Kumar Mahanta

2017-08-01

Full Text Available Insulating liquid plays an important role for the life span of the transformer. Petroleum-based mineral oil has become dominant insulating liquid of transformer for more than a century for its excellent dielectric and cooling properties. However, the usage of petroleum-based mineral oil, derived from a nonrenewable energy source, has affected the environment for its nonbiodegradability property. Therefore, researchers direct their attention to renewable and biodegradable alternatives. Palm fatty acid ester, coconut oil, sunflower oil, etc. are considered as alternatives to replace mineral oil as transformer insulation liquid. This paper gives an extensive review of different liquid insulating materials used in a transformer. Characterization of different liquids as an insulating material has been discussed. An attempt has been made to classify different insulating liquids-based on different properties.

Modeled effects of an improved building insulation scenario in Europe on air pollution, health and societal costs

DEFF Research Database (Denmark)

Bønløkke, Jakob Hjort; Holst, Gitte Juel; Sigsgaard, Torben

2015-01-01

scenario in Europe would have substantial benefits on health through improvements in air pollution. Health effects and societal cost savings may significantly counterbalance investment costs and should be taken into account when evaluating strategies for mitigation of global warming....... with extensions. Mean annual changes in the main air pollutants were derived for each country. World Health Organization (WHO) and European Union (EU) data on populations and on impacts of pollutants were used to derive health effects and costs. Effects on indoor air quality were not assessed. Results: Projected...... 78678 LY in Europe. A total of 7173 cases of persistent chronic bronchitis could be avoided annually. Several other health outcomes improved similarly. The saved societal costs totaled 6.64 billion € annually. Conclusions: In addition to carbon emission reductions, an improved building insulation...

29 CFR 530.302 - Amounts of civil money penalties.

Science.gov (United States)

2010-07-01

... 29 Labor 3 2010-07-01 2010-07-01 false Amounts of civil money penalties. 530.302 Section 530.302... EMPLOYMENT OF HOMEWORKERS IN CERTAIN INDUSTRIES Civil Money Penalties § 530.302 Amounts of civil money penalties. (a) A civil money penalty, not to exceed $500 per affected homeworker for any one violation, may...

Biodegradation performance of environmentally-friendly insulating oil

Science.gov (United States)

Yang, Jun; He, Yan; Cai, Shengwei; Chen, Cheng; Wen, Gang; Wang, Feipeng; Fan, Fan; Wan, Chunxiang; Wu, Liya; Liu, Ruitong

2018-02-01

In this paper, biodegradation performance of rapeseed insulating oil (RDB) and FR3 insulating oil (FR3) was studied by means of ready biodegradation method which was performed with Organization for Economic Co-operation and Development (OECD) 301B. For comparison, the biodegradation behaviour of 25# mineral insulating oil was also characterized with the same method. The testing results shown that the biodegradation degree of rapeseed insulating oil, FR3 insulating oil and 25# mineral insulating oil was 95.8%, 98.9% and 38.4% respectively. Following the “new chemical risk assessment guidelines” (HJ/T 154 - 2004), which illustrates the methods used to identify and assess the process safety hazards inherent. The guidelines can draw that the two vegetable insulating oils, i.e. rapeseed insulating oil and FR3 insulating oil are easily biodegradable. Therefore, the both can be classified as environmentally-friendly insulating oil. As expected, 25# mineral insulating oil is hardly biodegradable. The main reason is that 25# mineral insulating oil consists of isoalkanes, cyclanes and a few arenes, which has few unsaturated bonds. Biodegradation of rapeseed insulating oil and FR3 insulating oil also remain some difference. Biodegradation mechanism of vegetable insulating oil was revealed from the perspective of hydrolysis kinetics.

MONEY ATTITUDES VS ECONOMIC SOCIALIZATION IN POLAND

Directory of Open Access Journals (Sweden)

Aneta KOWALCZYK

2015-03-01

Full Text Available This article concerns the attitudes people have towards money, analysed from an economic and psychological point of view. The article presents an overview of current knowledge on the issues of money attitudes, as well as derived own research derived. This research was designed in order to identify different types of money attitudes as well as their determinants. The study identified five dominant profiles and showed that the most popular is a rational approach, and second – it’s opposite - improvidence. The results have been faced with the most important economic socialization determinants identified during the literature review. The comparison proved to be important, e.g. in the form of receiving pocket money.

Voltage-driven magnetization control in topological insulator/magnetic insulator heterostructures

Directory of Open Access Journals (Sweden)

Michael E. Flatté

2017-05-01

Full Text Available A major barrier to the development of spin-based electronics is the transition from current-driven spin torque, or magnetic-field-driven magnetization reversal, to a more scalable voltage-driven magnetization reversal. To achieve this, multiferroic materials appear attractive, however the effects in current materials occur at very large voltages or at low temperatures. Here the potential of a new class of hybrid multiferroic materials is described, consisting of a topological insulator adjacent to a magnetic insulator, for which an applied electric field reorients the magnetization. As these materials lack conducting states at the chemical potential in their bulk, no dissipative charge currents flow in the bulk. Surface states at the interface, if present, produce effects similar to surface recombination currents in bipolar devices, but can be passivated using magnetic doping. Even without conducting states at the chemical potential, for a topological insulator there is a finite spin Hall conductivity provided by filled bands below the chemical potential. Spin accumulation at the interface with the magnetic insulator provides a torque on the magnetization. Properly timed voltage pulses can thus reorient the magnetic moment with only the flow of charge current required in the leads to establish the voltage. If the topological insulator is sufficiently thick the resulting low capacitance requires little charge current.

Methods of Analysis of Electronic Money in Banks

Directory of Open Access Journals (Sweden)

Melnychenko Oleksandr V.

2014-03-01

Full Text Available The article identifies methods of analysis of electronic money, formalises its instruments and offers an integral indicator, which should be calculated by issuing banks and those banks, which carry out operations with electronic money, issued by other banks. Calculation of the integral indicator would allow complex assessment of activity of the studied bank with electronic money and would allow comparison of parameters of different banks by the aggregate of indicators for the study of the electronic money market, its level of development, etc. The article presents methods which envisage economic analysis of electronic money in banks by the following directions: solvency and liquidity, efficiency of electronic money issue, business activity of the bank and social responsibility. Moreover, the proposed indicators by each of the directions are offered to be taken into account when building integral indicators, with the help of which banks are studied: business activity, profitability, solvency, liquidity and so on.

Gas insulated substations

CERN Document Server

2014-01-01

This book provides an overview on the particular development steps of gas insulated high-voltage switchgear, and is based on the information given with the editor's tutorial. The theory is kept low only as much as it is needed to understand gas insulated technology, with the main focus of the book being on delivering practical application knowledge. It discusses some introductory and advanced aspects in the meaning of applications. The start of the book presents the theory of Gas Insulated Technology, and outlines reliability, design, safety, grounding and bonding, and factors for choosing GIS. The third chapter presents the technology, covering the following in detail: manufacturing, specification, instrument transformers, Gas Insulated Bus, and the assembly process. Next, the book goes into control and monitoring, which covers local control cabinet, bay controller, control schemes, and digital communication. Testing is explained in the middle of the book before installation and energization. Importantly, ...

Data on energy saving measures on the basis of real consumption data

International Nuclear Information System (INIS)

Menkveld, M.; Vethman, P.; Leidelmeijer, K.; Cozijnsen, E.

2012-05-01

On assignment of NLAgency, RIGO and ECN have established the indicative savings of energy saving measures in existing dwellings based on actual (measured) energy use data. This is done with statistical analysis on a database with energy uses and data on energy saving measures in dwellings. This database is made by combination of data on dwellings from the energy label database of NLAgency and registrations of actual electricity and gas use from the customer files of Statistics Netherlands. The energy label database contains the data used for the label calculation of the dwellings that have received a label. The information consists of the heating system, the type of boiler, insulation, the type of glass, the type of ventilation system, but also the type of dwelling, the size of the dwelling and the year of construction. Linkage of these databases by Statistics Netherlands leads to a file containing data on over 600.000 dwellings. The relations between energy saving measures and energy cannot simply be calculated by comparing average uses of dwellings with a high-efficiency boiler and dwellings with an improved-efficiency boiler. After all, these dwellings will most likely have more differences with regard to other features (for example the extent to which double glazing has been installed). Comparison of these averages would lead to an overestimation of the effect of implementing a high-efficiency boiler. The energy use in dwellings that have a high-efficiency boiler is expected to be lower because of a combination of (other) measures. To arrive at useful statements about savings and effects, certain features of the dwellings and other measures were verified in the analyses. A statistical check of variables examines whether the variable has any influence on a (possible) relation, and if this is true, the influence is subsequently 'corrected' mathematically. The statistical analysis has not only been conducted for the actual energy use data from the customer files

The financial consequences of too many men: sex ratio effects on saving, borrowing, and spending.

Science.gov (United States)

Griskevicius, Vladas; Tybur, Joshua M; Ackerman, Joshua M; Delton, Andrew W; Robertson, Theresa E; White, Andrew E

2012-01-01

The ratio of males to females in a population is an important factor in determining behavior in animals. We propose that sex ratio also has pervasive effects in humans, such as by influencing economic decisions. Using both historical data and experiments, we examined how sex ratio influences saving, borrowing, and spending in the United States. Findings show that male-biased sex ratios (an abundance of men) lead men to discount the future and desire immediate rewards. Male-biased sex ratios decreased men's desire to save for the future and increased their willingness to incur debt for immediate expenditures. Sex ratio appears to influence behavior by increasing the intensity of same-sex competition for mates. Accordingly, a scarcity of women led people to expect men to spend more money during courtship, such as by paying more for engagement rings. These findings demonstrate experimentally that sex ratio influences human decision making in ways consistent with evolutionary biological theory. Implications for sex ratio effects across cultures are discussed.

Insulation structure of thermonuclear device

International Nuclear Information System (INIS)

Suzuki, Takayuki; Usami, Saburo; Tsukamoto, Hideo; Kikuchi, Mitsuru

1998-01-01

The present invention provides an insulating structure of a thermonuclear device, in which insulation materials between toroidal coils are not broken even if superconductive toroidal coils are used. Namely, a tokamak type thermonuclear device of an insulating structure type comprises superconductive toroidal coils for confining plasmas arranged in a circular shape directing the center each at a predetermined angle, and the toroidal coils are insulated from each other. The insulation materials are formed by using a biaxially oriented fiber reinforced plastics. The contact surface of the toroidal coils and the insulating materials are arranged so that they are contact at a woven surface of the fiber reinforced plastics. Either or both of the contact surfaces of the fiber reinforced plastics and the toroidal coils are coated with a high molecular compound having a low friction coefficient. With such a constitution, since the interlayer shearing strength of the biaxially oriented fiber reinforced plastics is about 1/10 of the compression strength, the shearing stress exerted on the insulation material is reduced. Since a static friction coefficient on the contact surface is reduced to provide a structure causing slipping, shearing stress does not exceeds a predetermined limit. As a result, breakage of the insulation materials between the toroidal coils can be prevented. (I.S.)

A sub-tank water-saving drinking water station

Science.gov (United States)

Zhang, Ting

2017-05-01

"Thousands of boiling water" problem has been affecting people's quality of life and good health, and now most of the drinking fountains cannot effectively solve this problem, at the same time, ordinary drinking water also has high energy consumption, there are problems such as yin and yang water. Our newly designed dispenser uses a two-tank heating system. Hot water after heating, into the insulation tank for insulation, when the water tank in the water tank below a certain water level, the cold water and then enter the heating tank heating. Through the water flow, tank volume and other data to calculate the time required for each out of water, so as to determine the best position of the water level control, summed up the optimal program, so that water can be continuously uninterrupted supply. Two cans are placed up and down the way, in the same capacity on the basis of the capacity of the container, the appropriate to reduce its size, and increase the bottom radius, reduce the height of its single tank to ensure that the overall height of two cans compared with the traditional single change. Double anti-dry design, to ensure the safety of the use of drinking water. Heating tank heating circuit on and off by the tank of the float switch control, so that the water heating time from the tank water level control, to avoid the "thousands of boiling water" generation. The entry of cold water is controlled by two solenoid valves in the inlet pipe, and the opening and closing of the solenoid valve is controlled by the float switch in the two tanks. That is, the entry of cold water is determined by the water level of the two tanks. By designing the control scheme cleverly, Yin and yang water generation. Our design completely put an end to the "thousands of boiling water", yin and yang water, greatly improving the drinking water quality, for people's drinking water safety provides a guarantee, in line with the concept of green and healthy development. And in the small

29 CFR 502.19 - Civil money penalty assessment.

Science.gov (United States)

2010-07-01

... IMMIGRATION AND NATIONALITY ACT (SUSPENDED 6-29-2009) Enforcement of Work Contracts § 502.19 Civil money... money penalty for violation of the work contract will not exceed $1,000 for each violation committed... of the work contract, or for willful discrimination, the civil money penalty shall not exceed $5,000...

Thermal insulation

International Nuclear Information System (INIS)

Durston, J.G.; Birch, W.; Facer, R.I.; Stuart, R.A.

1977-01-01

Reference is made to liquid metal cooled nuclear reactors. In the arrangement described the reactor vessel is clad with thermal insulation comprising a layer of insulating blocks spaced from the wall and from each other; each block is rigidly secured to the wall, and the interspaces are substantially closed against convectional flow of liquid by resilient closure members. A membrane covering is provided for the layer of blocks, with venting means to allow liquid from the reactor vessel to penetrate between the covering and the layer of blocks. The membrane covering may comprise a stainless steel sheet ribbed in orthogonal pattern to give flexibility for the accommodation of thermal strain. The insulating blocks may be comprised of stainless steel or cellular or porous material and may be hollow shells containing ceramic material or gas fillings. (U.K.)

7 CFR 3560.462 - Money laundering.

Science.gov (United States)

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Money laundering. 3560.462 Section 3560.462 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, DEPARTMENT OF... Other Actions § 3560.462 Money laundering. The Agency will act in accordance with U.S. Code Title 18...

Insulation Reformulation Development

Science.gov (United States)

Chapman, Cynthia; Bray, Mark

2015-01-01

The current Space Launch System (SLS) internal solid rocket motor insulation, polybenzimidazole acrylonitrile butadiene rubber (PBI-NBR), is a new insulation that replaced asbestos-based insulations found in Space Shuttle heritage solid rocket boosters. PBI-NBR has some outstanding characteristics such as an excellent thermal erosion resistance, low thermal conductivity, and low density. PBI-NBR also has some significant challenges associated with its use: Air entrainment/entrapment during manufacture and lay-up/cure and low mechanical properties such as tensile strength, modulus, and fracture toughness. This technology development attempted to overcome these challenges by testing various reformulated versions of booster insulation. The results suggest the SLS program should continue to investigate material alternatives for potential block upgrades or use an entirely new, more advanced booster. The experimental design was composed of a logic path that performs iterative formulation and testing in order to maximize the effort. A lab mixing baseline was developed and documented for the Rubber Laboratory in Bldg. 4602/Room 1178.

29 CFR 500.143 - Civil money penalty assessment.

Science.gov (United States)

2010-07-01

... 29 Labor 3 2010-07-01 2010-07-01 false Civil money penalty assessment. 500.143 Section 500.143... MIGRANT AND SEASONAL AGRICULTURAL WORKER PROTECTION Enforcement § 500.143 Civil money penalty assessment. (a) A civil money penalty may be assessed for each violation of the Act or these regulations. (b) In...

48 CFR 1631.205-10 - Cost of money.

Science.gov (United States)

2010-10-01

... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Cost of money. 1631.205-10... AND PROCEDURES Contracts With Commercial Organizations 1631.205-10 Cost of money. For the purposes of FAR 31.205-10(b)(3), the estimated facilities capital cost of money is specifically identified if it...

Gravity Models of Trade-Based Money Laundering

OpenAIRE

Ferwerda, Joras; Kattenberg, Marc; Chang, Han-Hsin; Unger, Brigitte; Groot, Loek; Bikker, Jaap

2011-01-01

Several attempts have been made in the economics literature to measure money laundering. However, the adequacy of these models is difficult to assess, as money laundering takes place secretly and, hence, goes unobserved. An exception is tradebased money laundering (TBML), a special form of trade abuse that has been discovered only recently. TBML refers to criminal proceeds that are transferred around the world using fake invoices that under- or overvalue imports and exports. This article is a...

Mobile Money and Local Development | IDRC - International ...

International Development Research Centre (IDRC) Digital Library (Canada)

New forms of mobile-based financial applications - known as mobile money ... and shared with teams presently implementing socially-motivated mobile money ... IWRA/IDRC webinar on climate change and adaptive water management.

THE HOUSE OF SAVINGS AND LOAN OF EMPLOYEES FROM THE GOLD MINING COMPLEX OF BRAD OF “MICA” COMPANY (1931-1948

Directory of Open Access Journals (Sweden)

MIRCEA BARON

2011-01-01

Full Text Available In our study we're trying to present one of the many social projects that "Mica" Mining Company has achieved within the gold mining complex from Brad, located in the Apuseni Mountains of Transylvania. Under the motto “Be not only hardworking but also preservers because everyone can earn money, but few know how to save it” the company the managers of "Mica" Brad set up, in 1931-1932, the House of Savings and Loan for workers, and the House of Savings and Loan officials respectively, institutions that would operate until the closing of "Mica" Company in 1948. These Houses include all employees of the "Mica" Company from Brad and will circulate the funds from voluntary and compulsory deposits of their members, granting loans for the construction of houses and farms, for the establishment of agricultural holdings, for the purchase of land and agricultural equipment, for family needs etc.

Energy Saving Assessment of Semi-Transparent Photovoltaic Modules Integrated into NZEB

Directory of Open Access Journals (Sweden)

Cristina Cornaro

2017-01-01

Full Text Available Photovoltaic semi-transparent materials (STPV integrated into glazing systems can offer good potential for energy saving to buildings, influencing heating loads, cooling loads, and lighting, as well as electricity production. Moreover, with the new stringent regulations issued by various European countries, following the Energy Performance of Buildings Directive (EPBD, 2010/31/EC, the building envelope, including the glazing elements, needs to have high thermal performance to guarantee Nearly Zero Energy Building (NZEB behavior. This work presents an assessment of energy saving potential of 4 different types of STPV with respect to conventional double pane glass. Dye sensitized solar modules (DSM and thin film modules were considered in the study. Simulations based on an IEA reference office building (STD and on reference buildings prescribed by the new Italian building energy performance regulation (NZEB were carried out. All the glazing peculiarities could be simulated using only one simulation tool, namely IDA ICE 4.7.1. Dye sensitized solar modules resulted as the best performing devices for all orientations and climate zones. The work also evidenced how the requirements of NZEB seem to be too stringent for insulation properties, especially for the climate zone of Rome.

Enershield : energy saving air barriers

Energy Technology Data Exchange (ETDEWEB)

Hallihan, D. [Enershield Industries Ltd., Edmonton, AB (Canada)