WorldWideScience

Sample records for insulation saves money

  1. Insulating Foams Save Money, Increase Safety

    Science.gov (United States)

    2009-01-01

    Scientists at Langley Research Center created polyimide foam insulation for reusable cryogenic propellant tanks on the space shuttle. Meanwhile, a small Hialeah, Florida-based business, PolyuMAC Inc., was looking for advanced foams to use in the customized manufacturing of acoustical and thermal insulation. The company contacted NASA, licensed the material, and then the original inventors worked with the company's engineers to make a new material that was better for both parties. The new version, a high performance, flame retardant, flexible polyimide foam, is used for insulating NASA cryogenic propellant tanks and shows promise for use on watercraft, aircraft, spacecraft, electronics and electrical products, automobiles and automotive products, recreation equipment, and building and construction materials.

  2. Save Energy: Save Money!

    Science.gov (United States)

    Eccli, Eugene; And Others

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

  3. Energy Saver: Tips on Saving Money & Energy at Home

    Energy Technology Data Exchange (ETDEWEB)

    None

    2017-09-01

    Provides consumers with home energy and money savings tips such as insulation, weatherization, heating, cooling, water heating, energy efficient windows, landscaping, lighting, and energy efficient appliances.

  4. Energy Savers Tips on Saving Energy& Money at Home

    Energy Technology Data Exchange (ETDEWEB)

    2003-06-01

    Provides consumers with home energy and money savings tips such as insulation, weatherization, heating, cooling, water heating, energy efficient windows, landscaping, lighting, and energy efficient appliances

  5. Energy Savers: Tips on Saving Money & Energy at Home

    Energy Technology Data Exchange (ETDEWEB)

    None

    2011-12-01

    Provides consumers with home energy and money savings tips such as insulation, weatherization, heating, cooling, water heating, energy efficient windows, landscaping, lighting, and energy efficient appliances.

  6. Energy Savers: Tips on Saving Money & Energy at Home

    Energy Technology Data Exchange (ETDEWEB)

    None

    2014-05-01

    Provides consumers with home energy and money savings tips such as insulation, weatherization, heating, cooling, water heating, energy efficient windows, landscaping, lighting, and energy efficient appliances.

  7. Saving Money or Spending Tomorrow's Money

    Institute of Scientific and Technical Information of China (English)

    罗芳梅

    2017-01-01

    Chinese are normally believed to be thrifty.However,economic development has had a tremendous impact upon Chinese society,uprooting the long-engraved ideas.With the emergence of the credit cards,spending tomorrow's money becomes a reality.In this way,people are in dilemma:saving money or spending tomorrow's money.Firstly,this paper focuses on the benefits of spending tomorrow's money.Secondly,it shows that spending tomorrow's money is confronted with many challenges.Finally,the paper comes up with some suggestions to solve these problems.

  8. Energy Savers--Tips on Saving Energy and Money at Home (Fifth Printing)

    International Nuclear Information System (INIS)

    DOE Office of Building Technology, State and Community Programs

    2001-01-01

    Provides consumers with home energy and money savings tips such as insulation, weatherization, heating, cooling, water heating, energy efficient windows, landscaping, lighting, and energy efficient appliances

  9. Energy Savers---Tips on Saving Energy and Money at Home (Fifth Printing)

    Energy Technology Data Exchange (ETDEWEB)

    DOE Office of Building Technology, State and Community Programs

    2001-08-13

    Provides consumers with home energy and money savings tips such as insulation, weatherization, heating, cooling, water heating, energy efficient windows, landscaping, lighting, and energy efficient appliances.

  10. How to save money on medicines

    Science.gov (United States)

    U.S. Food and Drug Administration (FDA) website. Saving money on prescription drugs. www.fda.gov/Drugs/EmergencyPreparedness/BioterrorismandDrugPreparedness/ucm134215.htm . Updated May 4, 2016. Accessed October 14, 2016. U.S. Food and Drug ...

  11. Saving Money and Time with Virtual Server

    CERN Document Server

    Sanders, Chris

    2006-01-01

    Microsoft Virtual Server 2005 consistently proves to be worth its weight in gold, with new implementations thought up every day. With this product now a free download from Microsoft, scores of new users are able to experience what the power of virtualization can do for their networks. This guide is aimed at network administrators who are interested in ways that Virtual Server 2005 can be implemented in their organizations in order to save money and increase network productivity. It contains information on setting up a virtual network, virtual consolidation, virtual security, virtual honeypo

  12. 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

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

    Science.gov (United States)

    Tam, Leona; Dholakia, Utpal

    2014-02-01

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

  14. 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

  15. Living green saves money. Personal environmental burden test

    International Nuclear Information System (INIS)

    2003-01-01

    Based on a number of questions one can calculate the environmental burden of a lifestyle and determine which measures can unburden the environment and how much money can be saved by changing a lifestyle [nl

  16. Money in the bank : Feeling powerful increases saving

    NARCIS (Netherlands)

    Garbinsky, E.; Klesse, A.K.; Aaker, J.

    2014-01-01

    Across five studies, this research reveals that feeling powerful increases saving. This effect is driven by the desire to maintain one’s current state. When the purpose of saving is no longer to accumulate money but to spend it on a status-related product, the basic effect is reversed, and those who

  17. 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.

  18. 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.

  19. 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/

  20. 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.

  1. 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.)

  2. 75 FR 33501 - Definitions for Regulations Affecting All Savings Associations; Money Market Deposit Accounts

    Science.gov (United States)

    2010-06-14

    ...] RIN 1550-AC40 Definitions for Regulations Affecting All Savings Associations; Money Market Deposit... Supervision is amending its regulations to eliminate restrictions on certain kinds of transfers from money... for savings deposit, Regulation D lists several types of savings deposit accounts, including Money...

  3. Don't pay taxes, save your money!

    OpenAIRE

    Bradáč, Michal

    2011-01-01

    Bachelor thesis "Don't Pay Taxes, Save Your Money!" focuses on the impact of the existence of tax havens on private and public sector. On the theoretical level, it shows the attractivity of tax havens for sufficiently large firms that can afford to pay costs of tax planning and profit manipulations. On the empirical level, it shows that tax havens are really the most successful jurisdictions in attracting foreign investors. In the end, two models of tax competition are introduced in order to ...

  4. 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.

  5. Energy savings due to building insulation of different thickness

    Directory of Open Access Journals (Sweden)

    Orzechowski Tadeusz

    2017-01-01

    Full Text Available In the plans of thermo-modernisation of historic buildings, strict requirements on energy performance are often relaxed. Detailed analyses are performed to select thermal upgrading technology that would ensure maximum environmental benefits while preserving the historic value of the building. The analysis of the costs of thermal upgrading with the use of heat-preserving plasters having different insulation properties is made for a coal-fired boiler plant. Optimal and advantageous ranges of insulation materials application are shown in reference to coal savings in boilers with variable and constant efficiency. Climatic conditions and environmental benefits are indicated.

  6. 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.

  7. Energy Saver: Tips on Saving Energy and Money in Your Home

    Energy Technology Data Exchange (ETDEWEB)

    Casey, Allison L [National Renewable Energy Laboratory (NREL), Golden, CO (United States)

    2017-10-04

    This guide shows you how easy it is to reduce your energy use at home and on the road. You'll find quick tips you can use to start saving today, as well as information on larger projects that will help save you money over the long term. Find even more information about saving money and energy at home by visiting our website, EnergySaver.gov.

  8. 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.

  9. 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.

  10. 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.

  11. 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....

  12. 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.

  13. 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…

  14. 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…

  15. 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.

  16. 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

  17. 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.

  18. 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.

  19. 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.

  20. 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

  1. How School Choice Programs Can Save Money. WebMemo #727

    Science.gov (United States)

    Johnson, Kirk A.

    2005-01-01

    Educational choice can improve educational achievement and states' bottom lines. Not only do choice programs help students from lower-income families attend schools that they otherwise might not be able to attend, but they can also save money in the process. A record number of state legislatures have considered school choice legislation this year,…

  2. 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.)

  3. 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…

  4. 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

  5. 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

  6. 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.

  7. 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

  8. 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.

  9. Climate protection with rapid payback. Energy and CO2 savings potential of industrial insulation in EU27

    Energy Technology Data Exchange (ETDEWEB)

    Neelis, M.; Blinde, P.; Overgaag, M.; Deng, Y. [Ecofys Netherlands, Utrecht (Netherlands)

    2012-06-15

    This study aims to answer the following four questions: (1) What is the energy savings and CO2 emissions mitigation potential resulting from insulating currently uninsulated parts and from better maintenance of insulation systems?; (2) What are the energy savings and CO2 mitigation potential from improving current insulation to cost-effective levels? Cost-effective insulation in this study is defined as the insulation that minimises the sum of the costs of heat loss and the costs of insulation; (3) What is the energy savings and CO2 mitigation potential from improving current insulation beyond cost-effective levels to even more energy-efficient levels? Energy-efficient insulation in this study is defined as the insulation at which the sum of the costs of heat loss and the annualised insulation investments are equal to the costs of typical current insulation while offering an additional energy savings and CO2 mitigation potential; and (4) How can these potentials best be realised? This study investigates savings potentials from improved insulation in EU industry and the power sector under realistic market conditions. Nuclear power plants and power production by renewable sources were left outside the scope of this study as well as insulations of cold applications. Case studies of insulation projects have been used to compare energy loss and investments related to different levels of insulation. The analysis was performed for three temperature levels: <100C; 100-300C and >300C. Results at the level of the case studies were extrapolated to European level using data on current energy use. Other assumptions have been made where needed on the basis of literature and expert input. All potentials are based on a 9% discount rate, an average insulation lifetime of 15 years and a 2-3% per year increase of the price of energy net of inflation.

  10. 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

  11. 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.

  12. 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.

  13. 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.…

  14. 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.

  15. 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.

  16. 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...

  17. 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.

  18. 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...

  19. 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.

  20. 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.

  1. 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 ...

  2. 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

  3. 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.

  4. 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.

  5. 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%.

  6. 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.

  7. 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.

  8. 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.

  9. [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.

  10. 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?

  11. 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....

  12. 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.

  13. 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.

  14. 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.

  15. 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

  16. 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.

  17. Spending more money, saving more lives? The relationship between avoidable mortality and healthcare spending in 14 countries.

    Science.gov (United States)

    Heijink, Richard; Koolman, Xander; Westert, Gert P

    2013-06-01

    Healthcare expenditures rise as a share of GDP in most countries, raising questions regarding the value of further spending increases. Against this backdrop, we assessed the value of healthcare spending growth in 14 western countries between 1996 and 2006. We estimated macro-level health production functions using avoidable mortality as outcome measure. Avoidable mortality comprises deaths from certain conditions "that should not occur in the presence of timely and effective healthcare". We investigated the relationship between total avoidable mortality and healthcare spending using descriptive analyses and multiple regression models, focussing on within-country variation and growth rates. We aimed to take into account the role of potential confounders and dynamic effects such as time lags. Additionally, we explored a method to estimate macro-level cost-effectiveness. We found an average yearly avoidable mortality decline of 2.6-5.3% across countries. Simultaneously, healthcare spending rose between 1.9 and 5.9% per year. Most countries with above-average spending growth demonstrated above-average reductions in avoidable mortality. The regression models showed a significant association between contemporaneous and lagged healthcare spending and avoidable mortality. The time-trend, representing an exogenous shift of the health production function, reduced the impact of healthcare spending. After controlling for this time-trend and other confounders, i.e. demographic and socioeconomic variables, a statistically significant relationship between healthcare spending and avoidable mortality remained. We tentatively conclude that macro-level healthcare spending increases provided value for money, at least for the disease groups, countries and years included in this study.

  18. Seatbelt use to save money: Impact on hospital costs of occupants who are involved in motor vehicle crashes.

    Science.gov (United States)

    Han, Guang-Ming; Newmyer, Ashley; Qu, Ming

    2017-03-01

    Seatbelt use is the single most effective way to save lives in motor vehicle crashes (MVC). However, although safety belt laws have been enacted in many countries, seatbelt usage throughout the world remains below optimal levels, and educational interventions may be needed to further increase seatbelt use. In addition to reducing crash-related injuries and deaths, reduced medical expenditures resulting from seatbelt use are an additional benefit that could make such interventions cost-effective. Accordingly, the objective of this study was to estimate the correlation between seatbelt use and hospital costs of injuries involved in MVC. The data used in this study were from the Nebraska CODES database for motor vehicle crashes that occurred between 2004 and 2013. The hospital cost information and information about other factors were obtained by linking crash reports with hospital discharge data. A multivariable regression model was performed for the association between seatbelt use and hospital costs. Mean hospital costs were significantly lower among motor vehicle occupants using a lap-shoulder seatbelt ($2909), lap-only seatbelt ($2289), children's seatbelt ($1132), or booster ($1473) when compared with those not using any type of seatbelt ($7099). After adjusting for relevant factors, there were still significantly decreased hospital costs for motor vehicle occupants using a lap-shoulder seatbelt (84.7%), lap-only seatbelt (74.1%), shoulder-only seatbelt (40.6%), children's seatbelt (95.9%), or booster (82.8%) compared to those not using a seatbelt. Seatbelt use is significantly associated with reduced hospital costs among injured MVC occupants. The findings in this study will provide important educational information for emergency department nurses who can encourage safety belt use for vehicle occupants. Copyright © 2016. Published by Elsevier Ltd.

  19. DCS upgrades for nuclear power plants: Saving money and reducing risk through virtual-stimulation control system checkout

    International Nuclear Information System (INIS)

    McKim, G.; Yeager, M.; Weirich, C.

    2006-01-01

    Nuclear power plant control systems of 1970's vintage have reached the end of their life: reliability is poor and spare parts are hard to come by. At First Energy Perry station, two costly feedwater system trips caused by an ailing analog control system led to the decision to replace it with a modern Foxboro I/A-series Distributed Control System. The simulator was also upgraded using the Virtual-Stim simulation of I/A, called FSIM. Virtual-Stim simulation allows the configuration and graphics from the plant to be downloaded onto the simulator as-is, using the same tools and operator interface as the plant, without imprecise translations, conversions, or other emulation. Advances in simulation technology and market forces have led to an open architecture design, allowing FSIM to be 'bridged' to Perry's existing Opensim simulator process model. This appears to be an industry-wide trend as more control system vendors offer Virtual Stimulation solutions for connection to third-party simulation products. Taking a cue from First Energy's Sammis Station FSIM simulator projects, the Perry simulator was used for dedicated control verification and tuning. Preventing forced outages caused by control configuration errors can result in enormous savings, and the simulator is now required to precede any plant modifications rather than just a training tool that lags the plant. This testing revealed several surprising results for a relatively straightforward control strategy, showing that simulator-based testing will be even more crucial in the future as the remain-der of the balance of plant is migrated to digital control. (author)

  20. 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.

  1. 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…

  2. 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…

  3. 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).

  4. 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 ...

  5. 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.

  6. 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.

  7. Doing more with less: while hospitals are feeling the financial crunch, smart CIOs are finding ways to improve processes and save money.

    Science.gov (United States)

    Gamble, Kate Huvane

    2009-02-01

    Outsourcing tasks like help desk support and PC roll-outs can enable organizations to save on costs while developing skills internally. CIOs are finding that some vendors are willing to negotiate contracts to retain business during tough financial times. Although funds may be tight, CIOs need to be part of the solution by pushing clinical transformation and performance improvement.

  8. 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.

  9. 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.

  10. 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…

  11. Potential benefits of cool roofs on commercial buildings. Conserving energy, saving money, and reducing emission of greenhouse gases and air pollutants

    International Nuclear Information System (INIS)

    Levinson, R.; Akbari, H.

    2010-01-01

    Cool roofs - roofs that stay cool in the sun by minimizing solar absorption and maximizing thermal emission - lessen the flow of heat from the roof into the building, reducing the need for space cooling energy in conditioned buildings. Cool roofs may also increase the need for heating energy in cold climates. For a commercial building, the decrease in annual cooling load is typically much greater than the increase in annual heating load. This study combines building energy simulations, local energy prices, local electricity emission factors, and local estimates of building density to characterize local, state average, and national average cooling energy savings, heating energy penalties, energy cost savings, and emission reductions per unit conditioned roof area. The annual heating and cooling energy uses of four commercial building prototypes - new office (1980+), old office (pre-1980), new retail (1980+), and old retail (pre-1980) - were simulated in 236 US cities. Substituting a weathered cool white roof (solar reflectance 0.55) for a weathered conventional gray roof (solar reflectance 0.20) yielded annually a cooling energy saving per unit conditioned roof area ranging from 3.30 kWh/m 2 in Alaska to 7.69 kWh/m 2 in Arizona (5.02 kWh/m 2 nationwide); a heating energy penalty ranging from 0.003 therm/m 2 in Hawaii to 0.14 therm/m 2 in Wyoming (0.065 therm/m 2 nationwide); and an energy cost saving ranging from USD 0.126/m 2 in West Virginia to USD 1.14/m 2 in Arizona (USD 0.356/m 2 nationwide). It also offered annually a CO2 reduction ranging from 1.07 kg/m 2 in Alaska to 4.97 kg/m 2 in Hawaii (3.02 kg/m 2 nationwide); an NOx reduction ranging from 1.70 g/m 2 in New York to 11.7 g/m 2 in Hawaii (4.81 g/m 2 nationwide); an SO2 reduction ranging from 1.79 g/m 2 in California to 26.1 g/m 2 in Alabama (12.4 g/m 2 nationwide); and an Hg reduction ranging from 1.08 μg/m 2 in Alaska to 105 μg/m 2 in Alabama (61.2 μg/m 2 nationwide). Retrofitting 80% of the 2

  12. Optimizing antiretroviral product selection: a sample approach to improving patient outcomes, saving money, and scaling-up health services in developing countries.

    Science.gov (United States)

    Amole, Carolyn D; Brisebois, Catherine; Essajee, Shaffiq; Koehler, Erin; Levin, Andrew D; Moore, Meredith C; Brown Ripin, David H; Sickler, Joanna J; Singh, Inder R

    2011-08-01

    Over the last decade, increased funding to support HIV treatment programs has enabled millions of new patients in developing countries to access the medications they need. Today, although demand for antiretrovirals continues to grow, the financial crisis has severely constrained funding leaving countries with difficult choices on program prioritization. Product optimization is one solution countries can pursue to continue to improve patient care while also uncovering savings that can be used for further scale up or other health system needs. Program managers can make procurement decisions that actually reduce program costs by considering additional factors beyond World Health Organization guidelines when making procurement decisions. These include in-country product availability, convenience, price, and logistics such as supply chain implications and laboratory testing requirements. Three immediate product selection opportunities in the HIV space include using boosted atazanavir in place of lopinovir for second-line therapy, lamivudine instead of emtricitabine in both first-line and second-line therapy, and tenofovir + lamivudine over abacavir + didanosine in second-line therapy. If these 3 opportunities were broadly implemented in sub-Saharan Africa and India today, approximately $300 million of savings would be realized over the next 5 years, enabling hundreds of thousands of additional patients to be treated. Although the discussion herein is specific to antriretrovirals, the principles of product selection are generalizable to diseases with multiple treatment options and fungible commodity procurement. Identifying and implementing approaches to overcome health system inefficiencies will help sustain and may expand quality care in resource-limited settings.

  13. 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 ...

  14. The use of generic drugs in prevention of chronic disease is far more cost-effective than thought, and may save money.

    Science.gov (United States)

    Shrank, William H; Choudhry, Niteesh K; Liberman, Joshua N; Brennan, Troyen A

    2011-07-01

    In this article we highlight the important role that medication therapy can play in preventing disease and controlling costs. Focusing on coronary artery disease, we demonstrate that prevention, with the appropriate use of generic medications, appears far more cost-effective than previously documented, and it may even save on costs. For example, an earlier study estimated that reducing blood pressure to widely established clinical guidelines in nondiabetic patients cost an estimated $52,983 per quality-adjusted life-year if a brand-name drug was used. However, we estimate that the cost is just $7,753 per quality-adjusted life-year at generic medication prices. As the nation attempts to find strategies to improve population health without adding to the unsustainably high cost of care, policy makers should focus on ensuring that patients have access to essential generic medications.

  15. The manufacture of generic replicas of implants for arthroplasty of the hip and knee: is it regulated and will it save money?

    Science.gov (United States)

    Atrey, A; Heylen, S; Gosling, O; Porteous, M J L; Haddad, F S

    2016-07-01

    Joint replacement of the hip and knee remain very satisfactory operations. They are, however, expensive. The actual manufacturing of the implant represents only 30% of the final cost, while sales and marketing represent 40%. Recently, the patents on many well established and successful implants have expired. Companies have started producing and distributing implants that purport to replicate existing implants with good long-term results. The aims of this paper are to assess the legality, the monitoring and cost saving implications of such generic implants. We also assess how this might affect the traditional orthopaedic implant companies. Cite this article: Bone Joint J 2016;98-B:892-900. ©2016 The British Editorial Society of Bone & Joint Surgery.

  16. 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...

  17. 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....

  18. 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...

  19. "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...

  20. 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.

  1. Retrospective comparison of Traditional vs. LigaSure impact dissection during pancreatoduodenectomy: how to save money by using an expensive device.

    Science.gov (United States)

    Piccinni, Giuseppe; Pasculli, Alessandro; D'Ambrosio, Erasmina; Gurrado, Angela; Lissidini, Germana; Testini, Mario

    2013-09-01

    Pancreatoduodenectomy is an exceptional procedure that requires an extensive dissection of the supramesocolic region extended to the first jejunal limb. Lymphadenectomy, required for cancer, increases the dissection surface. The extensive preparation of the area is traditionally conducted with bipolar ormonopolar instruments, while clips, ligatures, and sutures are used for haemostasis. LigaSure™ vessel sealing(LSVS; Valleylab, Boulder, CO) is a technology that obtains vessel closure by using the body's own collagen and elastin to create a permanent fusion zone. This is obtained by a combination of forceps pressure and radio frequency. This effect has been improved by the introduction of the Force Triad™ (Valleylab, Boulder,CO) energy platform, controlled by TissueFect™ (Valleylab, Boulder, CO) sensing technology. With this device, the surgeon is able to fuse vessels up to 7 mm, lymphatics, tissue bundles, and pulmonary vasculature in a fast-seal cycle of almost 4 seconds. In our daily practice of open surgery we observe a rapid improvement of abdominal drainage output with a drastic reduction of protein loss. Its practical significance is, in our opinion, that we obtain a rapid recovery of normal serum protein levels with a low number of blood/plasmasac transfusions and a real improvement of anastomosis healing. Moreover, the efficacy and the speed of work of the device allow us to reduce the operating time significantly but safely. We performed a retrospective analysis of the data of 20 pancreatic resections conducted both with traditional dissection and with the Liga-Sure Impact device with Force Triad platform in order to verify whether observed data were real. Our clinical results show that the use of the LigaSure Impact device with Force Triad energy platform is really useful in open surgery to save operating time, number of postoperative days, and hemoderivate administration.

  2. Preoperative ultrasound staging of the axilla make's peroperative examination of the sentinel node redundant in breast cancer: saving tissue, time and money.

    Science.gov (United States)

    Van Berckelaer, Christophe; Huizing, Manon; Van Goethem, Mireille; Vervaecke, Andrew; Papadimitriou, Konstantinos; Verslegers, Inge; Trinh, Bich X; Van Dam, Peter; Altintas, Sevilay; Van den Wyngaert, Tim; Huyghe, Ivan; Siozopoulou, Vasiliki; Tjalma, Wiebren A A

    2016-11-01

    To evaluate the role of preoperative axillary staging with ultrasound (US) and fine needle aspiration cytology (FNAC). Can we avoid intraoperative sentinel lymph node (SLN) examination, with an acceptable revision rate by preoperative staging? This study is based on the retrospective data of 336 patients that underwent US evaluation of the axilla as part of their staging. A FNAC biopsy was performed when abnormal lymph nodes were visualized. Patients with normal appearing nodes on US or a benign diagnostic biopsy had removal of the SLNs without intraoperative pathological examination. We calculated the sensitivity, specificity and accuracy of US/FNAC in predicting the necessity of an axillary lymphadenectomy. Subsequently we looked at the total cost and the operating time of 3 models. Model A is our study protocol. Model B is a theoretical protocol based on the findings of the Z0011 trial with only clinical preoperative staging and in Model C preoperative staging and intraoperative pathological examination were both theoretically done. sentinel node, staging, ultrasound, preoperative axillary staging, FNAC, axilla RESULTS: The sensitivity, specificity and accuracy are respectively 0.75 (0.66-0.82), 1.00 (0.99-1.00) and 0.92 (0.88-0.94). Only 26 out of 317 (8.2%) patients that successfully underwent staging needed a revision. The total cost of Model A was 1.58% cheaper than Model C and resulted in a decrease in operation time by 9,46%. The benefits compared with Model B were much smaller. Preoperative US/FNAC staging of the axillary lymph nodes can avoid intraoperative examination of the sentinel node with an acceptable revision rate. It saves tissue, reduces operating time and decreases healthcare costs in general. Copyright © 2016 Elsevier Ireland Ltd. All rights reserved.

  3. Saving lives, money and resources: drug and CABG/PCI use after myocardial infarction in a Swedish record-linkage study.

    Science.gov (United States)

    Wilhelmsen, Lars; Welin, Lennart; Odén, Anders; Björnberg, Arne

    2010-04-01

    Drug costs are increasing despite the introduction of cheaper generic drugs. The aim of the present study was to analyse the entire costs of hospital care, out-patient care, and the cost of drugs for 16 months following a myocardial infarction (MI) to see to what extent drug costs contribute to the overall costs of care. Diagnoses and costs for care as well as mortality data obtained from the Västra Götaland Region, Sweden, and drug costs from the Swedish Board of Health and Welfare, were merged in a computer file. Patients registered from 1 July 2005 to 30 June 2006 were followed from 28 days after an MI, with follow-up until 31 October 2006. Of 4,725 patients, 711 died before the start of the study and 721 during follow-up. Higher age [hazard ratio (HR, 95%CI) = 1.06 (1.05-1.07)], previous MI [HR = 1.31 (1.13-1.53)] and diabetes mellitus [HR = 1.34 (1.13-1.58)] were associated with increased mortality, which decreased with coronary interventions: CABG/PCI [HR = 0.19 (0.14-0.27)]. In a multivariable analysis, mortality was lower for patients taking simvastatin [HR = 0.62 (0.50-0.76)] and clopidogrel [HR = 0.58 (0.46-0.74)]. Costs for out-patient care accounted for 25% and drugs for 5% of total costs. If patients not treated with simvastatin or clopidogrel had received these drugs, an additional 154-306 lives might have been saved. Drug costs would be higher, but total costs lower. Thus, even expensive drugs may reduce overall costs.

  4. 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...

  5. 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.

  6. 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...

  7. 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...

  8. 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....

  9. 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.

  10. 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....

  11. Gloves Reprocessing: Does It Really Save Money?

    Science.gov (United States)

    Arora, Pankaj; Kumari, Santosh; Sodhi, Jitender; Talati, Shweta; Gupta, Anil Kumar

    2015-12-01

    Gloves are reprocessed and reused in health-care facilities in resource-limited settings to reduce the cost of availability of gloves. The study was done with the aim to compute the cost of reprocessing of gloves so that an economically rationale decision can be taken. A retrospective record-based cross-sectional study was undertaken in a central sterile supply department where different steps during reprocessing of gloves were identified and the cost involved in reprocessing per pair of gloves was calculated. The cost of material and manpower was calculated to arrive at the cost of reprocessing per pair of gloves. The cost of a reprocessed pair of surgical gloves was calculated to be Indian Rupee (INR) 14.33 which was greater than the cost of a new pair of disposable surgical gloves (INR 9.90) as the cost of sterilization of one pair of gloves itself came out to  be INR 10.97. The current study showed that the purchase of sterile disposable single-use gloves is cheaper than the process of recycling. Reprocessing of gloves is not economical on tangible terms even in resource-limited settings, and from the perspective of better infection control as well as health-care worker safety, it further justifies the use of disposable gloves.

  12. "We Can Deliver More and Save Money"

    Science.gov (United States)

    Hayes, John

    2010-01-01

    This article discusses the UK government's consultations on skills policy and further education funding. Adult learning has, throughout the years, been subject to endless strategies and proposed plans--but none of these has fully realised its potential. There are two contrasting attitudes to the outlook for further education and, indeed, the…

  13. Build your own simulator; save money

    International Nuclear Information System (INIS)

    Petrosky, T.D.

    1992-01-01

    Faced with a situation that could cost the company millions of dollars, and even threaten the continued operation of one of its nuclear power stations, officials at Consumers Power Company's Big Rock Point plant in the US came to a unique conclusion: that they would construct their own reactor simulator - something that has never been done in the industry before. (author)

  14. Million Dollar Busing: Saving Money through Privatization

    Science.gov (United States)

    Crates, Cheryl

    2009-01-01

    The economic crisis has had--and will continue to have--a dramatic effect on tax revenue and education spending throughout the United States and beyond. Yet children still show up for school every day in need of an education. In times like these, educators and school business managers must be as committed as ever to providing it. The economic…

  15. Enhancing discovery and saving money with MERIT.

    Science.gov (United States)

    Epstein, Jonathan A

    2011-04-01

    The National Institutes of Health and many of our biomedical institutions face significant budgetary challenges that are likely to persist for the foreseeable future. The paylines for Research Project Grant (RO1) applications to the NIH will be near or below the tenth percentile, and many investigators are growing increasingly concerned about maintaining their research programs. One of the most concerning potential results of limited grant dollars is the natural tendency for researchers to propose conservative projects that are more likely to succeed, to do well in peer review, and to be funded, but that may not dramatically advance the field, and a concurrent tendency among study sections to reward proposals that are seen as safe, if uninspiring. Established and well-respected investigators may be (perhaps appropriately) given the benefit of the doubt when compared with less-established colleagues and may therefore command a growing percentage of the total available grant dollars, while simultaneously avoiding bold and potentially groundbreaking approaches. At the same time, fewer dollars are available for new investigators with unproven track records and for the expansion of newly successful programs.

  16. Environmental economics: Saving lives, money, and ecosystems ...

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

    2010-10-07

    Oct 7, 2010 ... Environmental economics gives developing countries a unique tool to make ... provides decision-makers facing tough economic and environmental choices with vital ... Emerging economies a new force in international giving.

  17. Saving money through employee motivation and participation

    Energy Technology Data Exchange (ETDEWEB)

    1977-01-01

    Participation by employees at an industrial plant in an energy conserving program is important. People motivation - the key to a successful energy conservation program - is discussed. The following topics are discussed: support from the top, building a dynamic team, motivating through measurement, involving all employees, and making conservation second nature.

  18. How to Save Money on Infant Formula

    Science.gov (United States)

    ... for newsletters, special programs, and deals on formula company websites. They often send out coupons and free ... M. is also a founding member of Hi-Ethics and subscribes to the principles of the Health ...

  19. Leak Detectives Saving Money, Water in Virginia

    Science.gov (United States)

    “Circuit riders” from the Virginia Rural Water Association (VRWA) are traveling to small communities across the Commonwealth using special equipment financed by EPA to locate expensive and wasteful leaks in drinking water distribution systems.

  20. Do Joint Fighter Programs Save Money?

    Science.gov (United States)

    2013-01-01

    Reports & Bookstore Make a charitable contribution Limited Electronic Distribution Rights This document and trademark(s) contained herein are protected by...reflect the opinions of its research clients and sponsors. Support RAND—make a tax-deductible charitable contribution at www.rand.org/giving...Ahn, Sanghoon, Competition, Innovation and Productivity Growth: A Review of Theory and Evidence, Paris: Organisation for Economic Co-Operation and

  1. Free Money!

    Science.gov (United States)

    Anderson, Cynthia

    2011-01-01

    School library budgets are about as miserably low or nonexistent as many librarians have ever seen. The population of school librarians who have not just one, but "many" school libraries to manage is growing. Time and funds are short, and needs for books, programming, and technology are high. Grant money is out there for librarians, and the author…

  2. The power of the age standardized incidence rate to discover the gene link between cancer diseases: development of a new epidemiological method to save money, time, and effort for genetic scientists.

    Science.gov (United States)

    Alghamdi, Ibrahim G; Hussain, Issam I; Alghamdi, Mohamed S; El-Sheemy, Mohammed A

    2015-01-01

    This study provides an incipient epidemiological rule using the concept of direct method of standardization to determine the genetic link between cancer diseases. The overall 8 or 10 years age standardized incidence rate (ASIR) for both cancer diseases, for example (A) and (B) should be calculated for all regions of the country. A line chart should be used to display the overall ASIR trend of both diseases (A and B). Pearson's correlation can be used to determine the strength of the association between the overall ASIRs of both diseases. The overlap or opposite direction of the overall ASIR trend of both diseases (A and B) should be determined and studied for possible associations between cancer diseases. If the trend of the overall 8 or 10 years ASIR of a disease (A) follows that of disease (B) in all regions of the country, then the genes of patients with both diseases (A and B) will be highly homogeneous, and they should be studied in the region with the highest and lowest overall ASIR for both diseases (A and B). In addition, if there is an opposite direction or overlapping trend for both diseases (A and B) in certain regions of the country or among specific groups of people with the same demographic characteristics, then the genes of patients will be investigated for both diseases to identify the potential gene link between cancer diseases. This study revealed that the overall ASIR trends of female breast cancer, prostate cancer, and ovarian cancer are very similar in all regions of Saudi Arabia and England. Our epidemiological evidence helps to save money, time, and effort for testing the potential gene link between cancer diseases.

  3. The power of the age standardized incidence rate to discover the gene link between cancer diseases: development of a new epidemiological method to save money, time, and effort for genetic scientists

    Science.gov (United States)

    Alghamdi, Ibrahim G; Hussain, Issam I; Alghamdi, Mohamed S; El-Sheemy, Mohammed A

    2015-01-01

    Background This study provides an incipient epidemiological rule using the concept of direct method of standardization to determine the genetic link between cancer diseases. Methods The overall 8 or 10 years age standardized incidence rate (ASIR) for both cancer diseases, for example (A) and (B) should be calculated for all regions of the country. A line chart should be used to display the overall ASIR trend of both diseases (A and B). Pearson’s correlation can be used to determine the strength of the association between the overall ASIRs of both diseases. The overlap or opposite direction of the overall ASIR trend of both diseases (A and B) should be determined and studied for possible associations between cancer diseases. Results If the trend of the overall 8 or 10 years ASIR of a disease (A) follows that of disease (B) in all regions of the country, then the genes of patients with both diseases (A and B) will be highly homogeneous, and they should be studied in the region with the highest and lowest overall ASIR for both diseases (A and B). In addition, if there is an opposite direction or overlapping trend for both diseases (A and B) in certain regions of the country or among specific groups of people with the same demographic characteristics, then the genes of patients will be investigated for both diseases to identify the potential gene link between cancer diseases. Conclusion This study revealed that the overall ASIR trends of female breast cancer, prostate cancer, and ovarian cancer are very similar in all regions of Saudi Arabia and England. Our epidemiological evidence helps to save money, time, and effort for testing the potential gene link between cancer diseases. PMID:25878508

  4. 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)

  5. 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...

  6. 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)

  7. 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

  8. 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.

  9. The power of the age standardized incidence rate to discover the gene link between cancer diseases: development of a new epidemiological method to save money, time, and effort for genetic scientists

    Directory of Open Access Journals (Sweden)

    Alghamdi IG

    2015-03-01

    . Our epidemiological evidence helps to save money, time, and effort for testing the potential gene link between cancer diseases. Keywords: epidemiology, medical statistics, direct standardization, England, Saudi Arabia

  10. 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...

  11. 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

  12. 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.

  13. 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 ...

  14. 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...

  15. 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. ...

  16. 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).

  17. 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...

  18. 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.

  19. 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.

  20. 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.

  1. 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...

  2. 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...

  3. 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.)

  4. 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.

  5. 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.

  6. 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.

  7. 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

  8. 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

  9. Far ahead of the times. Measurements demonstrate: solar thermal heating systems save money at the highest level of domestic comfort; Der Zeit weit voraus. Messungen beweisen: solarthermische Heizsysteme sparen bares Geld bei hoechstem Wohnkomfort

    Energy Technology Data Exchange (ETDEWEB)

    Anon.

    2012-12-15

    If someone wants to build or renovate its own home at present, is well advised to decide for a sustainable and cost saving energy concept. Already at the beginning of this year, the oil and gas prices amount to more than 90 cent per litre. Tendency: increasing. Many households look back on one of the most expensive heating periods of the past five years, although the winter 2011/2012 brought average temperatures statistically. If someone wants to become independent from the development of the energy prices, needs a building and heating concept which meets the heat requirement from renewable energy resources as wide-ranging as possible.

  10. 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).

  11. 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...

  12. 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...

  13. 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.

  14. 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 ...

  15. 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

  16. 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.)

  17. Topological insulators

    CERN Document Server

    Franz, Marcel

    2013-01-01

    Topological Insulators, volume six in the Contemporary Concepts of Condensed Matter Series, describes the recent revolution in condensed matter physics that occurred in our understanding of crystalline solids. The book chronicles the work done worldwide that led to these discoveries and provides the reader with a comprehensive overview of the field. Starting in 2004, theorists began to explore the effect of topology on the physics of band insulators, a field previously considered well understood. However, the inclusion of topology brings key new elements into this old field. Whereas it was

  18. 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.

  19. 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.

  20. 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

  1. 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 ...

  2. 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.

  3. 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.

  4. China's 'Hot Money' Problems

    National Research Council Canada - National Science Library

    Martin, Michael F; Morrison, Wayne M

    2008-01-01

    .... The recent large inflow of financial capital into China, commonly referred to as "hot money," has led some economists to warn that such flows may have a destabilizing effect on China's economy...

  5. 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...

  6. 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...

  7. 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

  8. 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…

  9. 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.

  10. 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.

  11. 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

  12. 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.

  13. 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.

  14. Energy Savers: Tips for Saving Energy and Money at Home

    International Nuclear Information System (INIS)

    Jones, J.

    2000-01-01

    The Department of Energy of the United States of America works to guarantee provisions of safe energy, reliable and economically accessible to support to one developing economy and to protect the atmosphere. These suggestions and ideas to increase the energy efficiency in their house represent simple ways in which our citizens can contribute to preserve the atmosphere at world-wide level, to reduce the level of contamination of the air and to reserve our natural resources for future generations.[Spanish] El Departamento de Energa de los Estados Unidos de America trabaja para garantizar suministros de energa seguros, confiables y econmicamente accesibles para apoyar a una economa en desarrollo y proteger el medio ambiente. Estas sugerencias e ideas para aumentar la eficiencia energetica en su casa representan maneras sencillas en que nuestros ciudadanos pueden contribuir a preservar el medio ambiente a nivel mundial, a reducir el nivel de contaminacin del aire y a reservar nuestros recursos naturales para las generaciones futuras

  15. Attention to state, local taxes can save producers money

    International Nuclear Information System (INIS)

    Eggett, R.K.

    1997-01-01

    A constant challenge for independent oil and gas producers in the US is taxes. While the federal income tax code undergoes periodic revision, with much sound and fury attached to congressional and presidential action, state and local taxes are constantly being revised with little fanfare and little publicity. As an independent producer, one should pay close attention to these taxes because, in the aggregate, businesses pay considerably more to state and local jurisdictions in income, sales and use, and property taxes than they pay to the federal government in income tax. More than 85,000 taxing jurisdictions in the US impose a variety of taxes in a variety of ways, and your company's operations may span a number of them. The goal is to lower one's overall effective rate--the percentage of income one is paying to state and local governments. This article will explore some of the issues raised by the major taxes for which one is responsible

  16. 5 Ways to Save Students--And Money

    Science.gov (United States)

    Ravage, Barbara

    2012-01-01

    For students, the financial ramifications of not graduating are eye-opening: Over the course of their lifetimes, students without a degree will earn an average of $800,000 less than their cap-and-gown brethren, according to the nonprofit College Board. The number is even more depressing in light of another statistic: In 2009, only 55 percent of…

  17. Prevention: a key component to saving lives and money.

    Science.gov (United States)

    Brown, Steve

    2009-03-01

    It's no mystery that one of the chief culprits to our current economic crisis is skyrocketing costs of providing health care, particularly to our nation's growing baby boom population. This makes the case all the more compelling to practice as much preventative care as possible to avoid a myriad of conditions that could lead to lengthy and costly hospital stays, and potentially even death.

  18. Which types of hospital mergers save consumers money?

    Science.gov (United States)

    Connor, R A; Feldman, R D; Dowd, B E; Radcliff, T A

    1997-01-01

    This study analyzes the changes in costs and prices from 1986 to 1994 for more than 3,500 U.S. short-term general hospitals, including 122 horizontal mergers. These mergers were generally financially beneficial to consumers, providing average price reductions of approximately 7 percent. Merger-related price reductions were considerably less in market areas with higher market concentration levels. Merger-related price reductions in areas with higher penetration by health maintenance organizations (HMOs) were approximately twice those in areas with lower HMO penetration. Merger-related price reductions were greater for low-occupancy hospitals, nonteaching hospitals, nonsystem hospitals, similar-size hospitals, and hospitals with greater premerger service duplication.

  19. Ergonomics: A Commonsense Activity That Can Save Schools Money.

    Science.gov (United States)

    Fleer, Paul; Gauthier-Green, Erin

    2002-01-01

    Describes the use of ergonomics to reduce work-related musculoskeletal disorders such as back pain, tendonitis, and carpal tunnel syndrome. Describes ergonomics and how to identify ergonomic problems, conduct a job hazard analysis, and develop solutions. Also lists common ergonomic errors in schools. Provides an ergonomic checklist for employees…

  20. Innovative site characterization demonstration saves time and money

    International Nuclear Information System (INIS)

    Floran, R.J.; Bujewski, G.E.; Johnson, R.L.

    1995-01-01

    A technology demonstration that optimizes sampling strategies and real-time data collection was carried out at the Kirtland Air Force Base RB-11 Radioactive Burial Site, Albuquerque, New Mexico in August 1994. The project, which was funded by the Strategic Environmental Research and Development Program (SERDP), involved the application of a geostatistical-based open-quotes smart samplingclose quotes methodology and software with on-site field screening of soils for radiation, organic compounds and metals. The software, known as Plume trademark, was developed at Argonne National Laboratory as part of the DOE/OTD-funded Mixed Waste Landfill Integrated Demonstration (MWLID). The objective of the investigation was to compare an innovative Adaptive Sampling approach that stressed real-time decision-making with a conventional RCRA-driven site characterization carried out by the Air Force. The latter investigation used a standard drilling and sampling plan as mandated by the EPA. To make the comparison realistic, the same contractors and sampling equipment (Geoprobe reg-sign soil samplers) were used. In both investigations, soil samples were collected at several depths at numerous locations adjacent to burial trenches that contain low-level radioactive waste and animal carcasses. Neither study revealed the presence of contaminants appreciably above risk based action levels, indicating that minimal to no migration has occurred away from the trenches. The combination of Adaptive Sampling with field screening achieved a similar level of confidence compared to the RCRA investigation regarding the potential migration of contaminants at the site. By comparison, the Adaptive Sampling program drilled 28 locations (vs. 36 for the conventional investigation), collected 81 samples (vs. 163), and sent 15 samples (vs. 163) off-site for laboratory analysis. In addition, the field work took 3 1/2 days compared to 13 days for the RCRA investigation

  1. Do Joint Fighter Programs Save Money? Technical Appendixes on Methodology

    Science.gov (United States)

    2013-01-01

    Bookstore Make a charitable contribution Limited Electronic Distribution Rights This document and trademark(s) contained herein are protected by...research clients and sponsors. Support RAND—make a tax-deductible charitable contribution at www.rand.org/giving/contribute.html R® is a registered...Evidence, Organisation for Economic Co-Operation and Development, Economics Department Working Paper 317, January 17, 2002. Anderson, Fred, Northrop

  2. The difference between drug money and a "lifetime's savings".

    Science.gov (United States)

    Ebejer, Karl A; Winn, Jane; Carter, James F; Sleeman, Richard; Parker, Jill; Körber, Fritjof

    2007-04-11

    In many countries, monies suspected of being associated with drug trafficking can be seized by the authorities. One of the ways of investigating this association is through the analysis of seized banknotes for traces of controlled drugs. We report three studies which may assist the expert in assessing whether banknotes contaminated with diamorphine are part of the general population of notes in circulation or whether they show unusual contamination patterns which require explanation. Study 1 is based on three plausible contamination scenarios as they may occur during the various stages of an illicit drug transaction and seizure. It shows that notes which have been in direct contact with visible traces of diamorphine show significantly higher contamination to those in more indirect contact with the drug. Study 2 investigates the transfer of diamorphine from one highly contaminated note to other notes in a bundle over a period of 10 weeks with and without agitation. It was found that the total amount of drug transferred was smaller than 6% and no more than 4 out of a bundle of 10 previously clean notes became lightly contaminated. Based on extensive background data, study 3 proposes a probabilistic model to assess whether an observed proportion of diamorphine bearing banknotes is likely to have been contaminated by chance. The model predicts that there is only a 0.3% chance that a bundle of 100 notes from the general banknote population contains more than six contaminated specimens. Jointly, the three studies give useful indications for the spread of contamination throughout a sample and the amounts of heroin which may be expected given plausible contamination scenarios.

  3. Would a Draft Save the Navy Money? A New Look.

    Science.gov (United States)

    1983-07-01

    34 - "’ -" .. . ." .. ." . . . . . . AMPOVED FOR PUBLIC RELEASE; DIOMRUTION UNLIMITED Work conducted under contrac N00014-76COOO1 This Researc Contribution does not...such as training and experience. The response to that argument is that the market should have delivered this information to applicants anyway. But...this is not fully persuasive. The market is not perfect, and, after all, the empirical evidence thus far is that first-term wages are higher, and

  4. Five Smart Ways Educators Can Save Money on Benefit Costs

    Science.gov (United States)

    McCullough, Pat

    2012-01-01

    State and local governments today face significant financial stress from the most recent recession, which makes their need to control benefit costs even greater. Revenues declined 22% from 2008 to 2009, mostly because of reduced tax income. At the same time, state and local government spending on unemployment compensation jumped 86%. It is no…

  5. Save money the easy way with bio-control

    Science.gov (United States)

    Sweet potato whitefly is a key insect pests affecting cotton and many other agronomic and horticultural crops in the southwestern U.S. Prior research has shown that arthropod natural enemies, particularly predators, can have a significant impact on whitefly population dynamics and can regulate popul...

  6. 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...

  7. 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...

  8. 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...

  9. 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?

  10. 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.

  11. 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.

  12. Tank Insulation

    Science.gov (United States)

    1979-01-01

    For NASA's Apollo program, McDonnell Douglas Astronautics Company, Huntington Beach, California, developed and built the S-IVB, uppermost stage of the three-stage Saturn V moonbooster. An important part of the development task was fabrication of a tank to contain liquid hydrogen fuel for the stage's rocket engine. The liquid hydrogen had to be contained at the supercold temperature of 423 degrees below zero Fahrenheit. The tank had to be perfectly insulated to keep engine or solar heat from reaching the fuel; if the hydrogen were permitted to warm up, it would have boiled off, or converted to gaseous form, reducing the amount of fuel available to the engine. McDonnell Douglas' answer was a supereffective insulation called 3D, which consisted of a one-inch thickness of polyurethane foam reinforced in three dimensions with fiberglass threads. Over a 13-year development and construction period, the company built 30 tanks and never experienced a failure. Now, after years of additional development, an advanced version of 3D is finding application as part of a containment system for transporting Liquefied Natural Gas (LNG) by ship.

  13. 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.

  14. 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...

  15. 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.

  16. Does diabetes disease management save money and improve outcomes? A report of simultaneous short-term savings and quality improvement associated with a health maintenance organization-sponsored disease management program among patients fulfilling health employer data and information set criteria.

    Science.gov (United States)

    Sidorov, Jaan; Shull, Robert; Tomcavage, Janet; Girolami, Sabrina; Lawton, Nadine; Harris, Ronald

    2002-04-01

    Little is known about the impact of disease management programs on medical costs for patients with diabetes. This study compared health care costs for patients who fulfilled health employer data and information set (HEDIS) criteria for diabetes and were in a health maintenance organization (HMO)-sponsored disease management program with costs for those not in disease management. We retrospectively examined paid health care claims and other measures of health care use over 2 years among 6,799 continuously enrolled Geisinger Health Plan patients who fulfilled HEDIS criteria for diabetes. Two groups were compared: those who were enrolled in an opt-in disease management program and those who were not enrolled. We also compared HEDIS data on HbA(1c) testing, percent not in control, lipid testing, diabetic eye screening, and kidney disease screening. All HEDIS measures were based on a hybrid method of claims and chart audits, except for percent not in control, which was based on chart audits only. Of 6,799 patients fulfilling HEDIS criteria for the diagnosis of diabetes, 3,118 (45.9%) patients were enrolled in a disease management program (program), and 3,681 (54.1%) were not enrolled (nonprogram). Both groups had similar male-to-female ratios, and the program patients were 1.4 years younger than the nonprogram patients. Per member per month paid claims averaged 394.62 dollars for program patients compared with 502.48 dollars for nonprogram patients (P 9.5%, as compared with 79 of 548 (14.4%) nonprogram patients. In this HMO, an opt-in disease management program appeared to be associated with a significant reduction in health care costs and other measures of health care use. There was also a simultaneous improvement in HEDIS measures of quality care. These data suggest that disease management may result in savings for sponsored managed care organizations and that improvements in HEDIS measures are not necessarily associated with increased medical costs.

  17. 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....

  18. 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

  19. 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…

  20. Follow The Money

    DEFF Research Database (Denmark)

    Batikas, Michail; Claussen, Jörg; Peukert, Christian

    Online copyright enforcement, in the form of either direct action against the supply- side (via website shutdowns) or the demand-side (via individual lawsuits against users), has not been very effective in reducing piracy. Regulators have therefore put forward the so called “follow the money...

  1. 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

  2. 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...

  3. Saving money vs investing money: Do energy ratings influence consumer demand for energy efficient goods?

    International Nuclear Information System (INIS)

    Panzone, Luca A.

    2013-01-01

    The article analyses economic barriers leading to the energy efficiency gap in the market for energy-using products by observing several million transactions in the UK over two years. The empirical exercise estimates AIDS models for refrigerators, washing machines, TVs, and light bulbs. Results indicate that market barriers are crucial in the demand for energy efficient options, and consumer response to changes in appliance prices, total expenditures, and energy prices depends on the possibility of behavioural adjustments in consumption. In contrast with the induced innovation hypothesis, current electricity prices can fail to induce innovation because of their short-term impact on disposable income, while consumers invest in energy efficiency when expecting electricity prices to rise in the future. - Highlights: • The article analyses economic barriers to energy efficiency in the UK. • Data refers to 2-year sales of refrigerators, washing machines, TV, and light bulbs. • Demand parameters by efficiency rating are estimated from four AIDS models. • Future (not present) electricity prices induce investments in energy efficiency. • Behavioural efficiency adjustments explain differences in market response

  4. 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.

  5. 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

  6. 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...

  7. 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...

  8. 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.

  9. 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)

  10. 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...

  11. 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...

  12. 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.

  13. The money mission matrix

    OpenAIRE

    Cuperus, Mirthe

    2017-01-01

    Social entrepreneurship is popular in current academics and other media. This thesis adds to this literature by discovering what the drivers are for sustainable social entrepreneurship. Several stakeholders were identified, creating profiles of the key players in social entrepreneurship. These stakeholders uncovered key factors that represent the drivers for sustainable social entrepreneurship. Key factors were then aligned along the two dimensions: Money and Mission. This crea...

  14. 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…

  15. Net savings

    International Nuclear Information System (INIS)

    Roche, P.

    2001-01-01

    The state of e-commerce in the Canadian upstream oil and natural gas sector is examined in an effort to discover the extent to which the .com economy has penetrated the marketplace. The overall assessment is that although the situation varies from producer to producer and process to process, a bustling digital marketplace in the Canadian oil business has yet to emerge. Nevertheless, there are several examples of companies using e-business tools to minimize technology staffing and to eliminate wasteful practices. Initiatives cited include streamlining of supply chains to cut handling costs, using application service providers to trim information technology budgets, and adopting electronic joint interest billing to save on printing, postage and re-entering data. Most notable efforts have been made by companies such as BXL Energy Limited and Genesis Exploration Limited, both of which are boosting efficiency on the inside by contracting out data storage and software applications. For example, BXL has replaced its microfilm log library occupying six cabinets, and totalling about 9,000 lbs., by a fibre optic line. All applications can now be run from a laptop which weighs three to four pounds. In a similar vein, Genesis Exploration started using application service providers (ASPs) to avoid the cost and hassle of buying and maintaining major software applications in-house. By accessing the ASPs, Genesis staff can run software without buying or installing it on their own computers. In yet another example of cutting information technology costs, Pengrowth Corporation has its network administration done remotely over the Internet by Northwest Digital Systems (NWD). As far as the industry at large is concerned, the answer appears to be in a digital marketplace specifically tailored to the upstream sector's unique profile. As a start, a study is underway by Deloitte Consulting to explore producer interest in joining or founding an upstream digital marketplace. The study was

  16. Net savings

    Energy Technology Data Exchange (ETDEWEB)

    Roche, P.

    2001-02-01

    The state of e-commerce in the Canadian upstream oil and natural gas sector is examined in an effort to discover the extent to which the .com economy has penetrated the marketplace. The overall assessment is that although the situation varies from producer to producer and process to process, a bustling digital marketplace in the Canadian oil business has yet to emerge. Nevertheless, there are several examples of companies using e-business tools to minimize technology staffing and to eliminate wasteful practices. Initiatives cited include streamlining of supply chains to cut handling costs, using application service providers to trim information technology budgets, and adopting electronic joint interest billing to save on printing, postage and re-entering data. Most notable efforts have been made by companies such as BXL Energy Limited and Genesis Exploration Limited, both of which are boosting efficiency on the inside by contracting out data storage and software applications. For example, BXL has replaced its microfilm log library occupying six cabinets, and totalling about 9,000 lbs., by a fibre optic line. All applications can now be run from a laptop which weighs three to four pounds. In a similar vein, Genesis Exploration started using application service providers (ASPs) to avoid the cost and hassle of buying and maintaining major software applications in-house. By accessing the ASPs, Genesis staff can run software without buying or installing it on their own computers. In yet another example of cutting information technology costs, Pengrowth Corporation has its network administration done remotely over the Internet by Northwest Digital Systems (NWD). As far as the industry at large is concerned, the answer appears to be in a digital marketplace specifically tailored to the upstream sector's unique profile. As a start, a study is underway by Deloitte Consulting to explore producer interest in joining or founding an upstream digital marketplace. The study

  17. 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.

  18. 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

  19. Public Schools and Money

    Science.gov (United States)

    Guthrie, James; Ettema, Elizabeth A.

    2012-01-01

    Education managers are typically inexperienced in and often reluctant to initiate cost-savings actions. Budget cuts may be poorly targeted, and students, particularly economically disadvantaged students, are swept up in the process as collateral damage. In California and Washington, bad budget cutting has already begun. Governors in these two…

  20. 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

  1. Energy, money, and pollution

    International Nuclear Information System (INIS)

    Roma, Antonio

    2006-01-01

    This paper explores general equilibrium consumption choices and interest rate determination in a deterministic two-period model in which the production side explicitly describes the thermodynamic process unavoidably connected with production, as argued by Georgescu Roegen. A simple energy based production process is modeled, which is not in a stationary state. The resulting production function is time dependent. In neoclassical general equilibrium the thermodynamic implication of the production process, i.e., the production of waste, will not be taken into account by decision making agents. For welfare optimality, the resulting externality needs to be corrected by a social planner, or through the use of environmental related taxation. However, it is shown that imposing energy as a medium of exchange (money) in the same economy makes agents 'energy conscious' and decreases the externality associated with entropic waste through a market mechanism, without the need for intervention. In the limit case in which production occurs in thermodynamic equilibrium, no entropic waste is produced, and the model collapses to the nested neoclassical model. A contribution of the proposed approach is the determination of energy (money) prices in general equilibrium. Despite the fact that energy does not enter the agents' utility function, and therefore has no direct value, money prices and interest rate can be fully characterized in the model due precisely to the production technology adopted. In this competitive equilibrium the market interest rate will be greater than the real interest rate. The change in the numeraire and medium of exchange used affects the economy due to the non stationarity of the production process, but has no effect in the limit case in which the productive process reaches a steady state. (author)

  2. Saving Lives and Saving Money: The Role of North Carolina Health Departments in Medicaid Managed Care.

    Science.gov (United States)

    Bridger, Colleen M; Smith, Steven E; Saunders, Stacie Turpin

    2017-01-01

    A new Medicaid system is emerging in North Carolina in which accountable care organizations will aim to improve both the quality and value of health care. We explore how local health departments can apply their expertise in population health to help achieve these goals. ©2017 by the North Carolina Institute of Medicine and The Duke Endowment. All rights reserved.

  3. Policy Framework for Covering Preventive Services Without Cost Sharing: Saving Lives and Saving Money?

    Science.gov (United States)

    Chen, Stephanie C; Pearson, Steven D

    2016-08-01

    The US Affordable Care Act mandates that private insurers cover a list of preventive services without cost sharing. The list is determined by 4 expert committees that evaluate the overall health effect of preventive services. We analyzed the process by which the expert committees develop their recommendations. Each committee uses different criteria to evaluate preventive services and none of the committees consider cost systematically. We propose that the existing committees adopt consistent evidence review methodologies and expand the scope of preventive services reviewed and that a separate advisory committee be established to integrate economic considerations into the final selection of free preventive services. The comprehensive framework and associated criteria are intended to help policy makers in the future develop a more evidence-based, consistent, and ethically sound approach.

  4. Money or Education?

    DEFF Research Database (Denmark)

    Rytter, Mikkel

    2011-01-01

    Tracing life stories and family histories back to rural Punjab, I explore the development and processes of upward social mobility of the Pakistani community in Denmark from the 1960s onwards. I suggest that social mobility among Pakistani immigrants and their descendants must be seen as the outcome...... of the Danish labour market during the late 1970s and 1980s pushed them into two different long-term strategies of money or education respectively. This created a split in the Pakistani community between educated and non-educated families and shaped the second generation’s way of life in terms of, for example...

  5. Follow the money

    OpenAIRE

    Robbins RA

    2012-01-01

    No abstract available. Article truncated at 150 words. Many years ago there was a Federal whistleblower, Deep Throat, who leaked confidential Government information about the Nixon White House to reporters from the Washington Post. Fans of the book and movie will remember that his famous line was, “Follow the money.” That line came to mind when an article appeared in Health Affairs summarizing the US health care expenditures for 2010 (1). The main gist of the article is that the rate of growt...

  6. 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.

  7. 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...

  8. 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.

  9. 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.

  10. 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

  11. 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...

  12. 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...

  13. 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

  14. 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…

  15. 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 ...

  16. 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.

  17. 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...

  18. 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

  19. 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?’

  20. 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.

  1. 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.

  2. 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.

  3. 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).

  4. 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...

  5. 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)

  6. "Photographing money" task pricing

    Science.gov (United States)

    Jia, Zhongxiang

    2018-05-01

    "Photographing money" [1]is a self-service model under the mobile Internet. The task pricing is reasonable, related to the success of the commodity inspection. First of all, we analyzed the position of the mission and the membership, and introduced the factor of membership density, considering the influence of the number of members around the mission on the pricing. Multivariate regression of task location and membership density using MATLAB to establish the mathematical model of task pricing. At the same time, we can see from the life experience that membership reputation and the intensity of the task will also affect the pricing, and the data of the task success point is more reliable. Therefore, the successful point of the task is selected, and its reputation, task density, membership density and Multiple regression of task positions, according to which a nhew task pricing program. Finally, an objective evaluation is given of the advantages and disadvantages of the established model and solution method, and the improved method is pointed out.

  7. Follow the money

    Directory of Open Access Journals (Sweden)

    Robbins RA

    2012-01-01

    Full Text Available No abstract available. Article truncated at 150 words. Many years ago there was a Federal whistleblower, Deep Throat, who leaked confidential Government information about the Nixon White House to reporters from the Washington Post. Fans of the book and movie will remember that his famous line was, “Follow the money.” That line came to mind when an article appeared in Health Affairs summarizing the US health care expenditures for 2010 (1. The main gist of the article is that the rate of growth in health care expenditures had slowed to only 3.9% and approximated the slowed growth from 2009 which was 3.8%. Previously the growth had been much larger averaging 7.2% from 2000-8 (2. The article points out that during recession expenditures usually slow but the expected decline in healthcare expenditures usually occurs far after the beginning of the recession. The authors state that the “lagged slowdown in health spending growth from the recent recession occurred more quickly …

  8. 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’

  9. 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.

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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.

  15. 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.

  16. 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...

  17. 2007 National Money Laundering Strategy

    National Research Council Canada - National Science Library

    2007-01-01

    ... them. The National Money Laundering Strategy for 2007 identifies areas in which the U.S. government will work to revise, enhance, or renew efforts to enforce existing Federal laws and regulations...

  18. Value and money in Marx

    Directory of Open Access Journals (Sweden)

    Fahd Boundi Chraki

    2018-04-01

    Full Text Available The aim of this paper is to examine the link between Marx's monetary theory and its explanation of value, production and circulation. For this, it presents the basic theoretical elements that allow a critique of the quantitative theory, the Chartalist conception of the genesis of money and the post-Keynesian theory of endogenous money. Then, from a Marxist perspective, it analyzes the controversial relationship between the monetization of public debt and the increase in the general level of prices.

  19. '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.

  20. Race, money and medicines.

    Science.gov (United States)

    Bloche, M Gregg

    2006-01-01

    Taking notice of race is both risky and inevitable, in medicine no less than in other endeavors. On the one hand, race can be a useful stand-in for unstudied genetic and environmental factors that yield differences in disease expression and therapeutic response. Attention to race can make a therapeutic difference, to the point of saving lives. On the other hand, racial distinctions have social meanings that are often pejorative or worse, especially when these distinctions are cast as culturally or biologically fixed. I argue in this essay that we should start with a presumption against racial categories in medicine, but permit their use when it might prolong lives or meaningfully improve health. Use of racial categories should be understood as an interim step; follow-up inquiry into the factors that underlie race-correlated clinical differences is important both to improve the efficacy of clinical care and to prevent race in itself from being misunderstood as a biological determinant. If we pursue such inquiry with vigor, the pernicious effects of racial categories on public understanding can be managed. But perverse market and regulatory incentives create the danger that use of race will be "locked-in," once drugs or other therapies are approved. These incentives should be revisited.

  1. Private Sector Savings

    Directory of Open Access Journals (Sweden)

    Pitonáková Renáta

    2018-03-01

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

  2. 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)

  3. 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. ...

  4. 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 ...

  5. 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...

  6. Dirty, sexy money

    Energy Technology Data Exchange (ETDEWEB)

    Pearce, F.

    2008-04-19

    Carbon is the hot new commodity, but can trading it like a currency really save the planet? On 1 January the Kyoto Protocol's emissions targets came into full force, creating a market in permits to emit greenhouse gases. The article discusses whether carbon trading is actively providing a mechanism that rewards people for reducing their carbon emissions instead of increasing them or it simply giving big polluters a way of dodging their responsibilities. The system allows companies investing in emissions-cutting projects in developing countries to earn credits known as certified emission reductions (CERs). By late 2007 the UN had approved more than 1600 projects for CERs. More than a third of the official CDM projects are for hydroelectric dams, mostly in China. However, most of these dams were either completed or under construction before the application for carbon credits was made and would have been built anyway. The author argues that it is unavoidable that some credits would go to such projects. He says that the danger is now that governments are seduced into believing the initial success of the carbon market allows them to avoid hard political choices in climatic change. Another danger is that only a minority of emissions are covered by legal caps. Most industrial and transport emissions in developing countries remain outside the market as do huge emissions caused by deforestation, draining wetlands and ploughing fields. One answer might be 'full carbon accounting' in which all exchanges of greenhouse gases, both into and out of the atmosphere, would have to be included in national and corporate carbon accounts. Remove sensing may soon make this possible. 1 fig.

  7. 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.

  8. 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

  9. Translucent insulating building envelope

    DEFF Research Database (Denmark)

    Rahbek, Jens Eg

    1997-01-01

    A new type of translucent insulating material has been tested. This material is made of Celulose-Acetat and have a honey-comb structure. The material has a high solar transmittance and is highly insulating. The material is relatively cheap to produce. Danish Title: Translucent isolerende klimaskærm....

  10. 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...

  11. 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.

  12. 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)

  13. 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....

  14. 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 ...

  15. 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.

  16. 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...

  17. 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 ...

  18. 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.

  19. Energy saving certificates

    International Nuclear Information System (INIS)

    2005-11-01

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

  20. 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.)

  1. 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.

  2. Endogenous money, circuits and financialization

    OpenAIRE

    Malcolm Sawyer

    2013-01-01

    This paper locates the endogenous money approach in a circuitist framework. It argues for the significance of the credit creation process for the evolution of the economy and the absence of any notion of ‘neutrality of money’. Clearing banks are distinguished from other financial institutions as the providers of initial finance in a circuit whereas other financial institutions operate in a final finance circuit. Financialization is here viewed in terms of the growth of financial assets an...

  3. 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.

  4. 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.

  5. 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...

  6. 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.

  7. Vacuum foil insulation system

    International Nuclear Information System (INIS)

    Hanson, J.P.; Sabolcik, R.E.; Svedberg, R.C.

    1976-01-01

    In a multifoil thermal insulation package having a plurality of concentric cylindrical cups, means are provided for reducing heat loss from the penetration region which extends through the cups. At least one cup includes an integral skirt extending from one end of the cup to intersection with the penetration means. Assembly of the insulation package with the skirted cup is facilitated by splitting the cup to allow it to be opened up and fitted around the other cups during assembly. The insulation is for an implantable nuclear powered artificial heart

  8. 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.

  9. 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

  10. 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

  11. Energy Savings Lifetimes and Persistence

    Energy Technology Data Exchange (ETDEWEB)

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

    2016-02-01

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

  12. Contract saving schemes

    NARCIS (Netherlands)

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

    2012-01-01

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

  13. Eleven Ways To Make Money.

    Science.gov (United States)

    Vail, Kathleen

    1998-01-01

    Many school districts are becoming aggressively entrepreneurial in their efforts to raise money. One district serves as the Internet service provider for their area, another rents buses and drivers to community groups. A sidebar describes a controversial deal between Coca-Cola and the Colorado Springs School District. (MLF)

  14. Money and transmission of bacteria.

    NARCIS (Netherlands)

    Gedik, H.; Voss, T.A.; Voss, A.

    2013-01-01

    Money is one of the most frequently passed items in the world. The aim of this study was to ascertain the survival status of bacteria including Staphylococcus aureus, Escherichia coli, and Vancomycin- Resistant Enterococci (VRE) on banknotes from different countries and the transmission of bacteria

  15. Reliability Analysis of Money Habitudes

    Science.gov (United States)

    Delgadillo, Lucy M.; Bushman, Brittani S.

    2015-01-01

    Use of the Money Habitudes exercise has gained popularity among various financial professionals. This article reports on the reliability of this resource. A survey administered to young adults at a western state university was conducted, and each Habitude or "domain" was analyzed using Cronbach's alpha procedures. Results showed all six…

  16. Money Matters: Comment and Analysis.

    Science.gov (United States)

    Alexander, Kern

    1998-01-01

    If money truly does not matter, and disadvantage cannot be quantified in terms of valuable social or economic goods, then questions of justice become aridly academic. How are resources to be valued? Faulty research design skewed Eric Hanushek's results. More precisely designed studies are revealing relationships between school expenditures and…

  17. Cooper Pairs in Insulators?

    International Nuclear Information System (INIS)

    Valles, James

    2008-01-01

    Nearly 50 years elapsed between the discovery of superconductivity and the emergence of the microscopic theory describing this zero resistance state. The explanation required a novel phase of matter in which conduction electrons joined in weakly bound pairs and condensed with other pairs into a single quantum state. Surprisingly, this Cooper pair formation has also been invoked to account for recently uncovered high-resistance or insulating phases of matter. To address this possibility, we have used nanotechnology to create an insulating system that we can probe directly for Cooper pairs. I will present the evidence that Cooper pairs exist and dominate the electrical transport in these insulators and I will discuss how these findings provide new insight into superconductor to insulator quantum phase transitions.

  18. 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, ...

  19. Measuring industrial energy savings

    International Nuclear Information System (INIS)

    Kelly Kissock, J.; Eger, Carl

    2008-01-01

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

  20. 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.

  1. 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.

  2. 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

  3. 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...

  4. 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)

  5. 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.

  6. 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

  7. 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.

  8. 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.

  9. 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.

  10. Enershield : energy saving air barriers

    Energy Technology Data Exchange (ETDEWEB)

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

    2008-07-01

    Enershield Industries is a leader in air barrier technology and provides solution for the Canadian climate. This presentation described the advantages of air barriers and the impact of rising energy costs. An air barrier is used to separate areas of differing environments and makes existing building systems more efficient. This presentation discussed how an air barrier works. It also identified how Enershield Industries calculates energy savings. It described air barrier applications and those who use barrier technology. These include the commercial and industrial sector as well as the personnel and retail sector. Barrier technology can be used for cold storage; vehicle and equipment washes; food processing; and environmental separation. Features and benefits such as the ability to create seal, acoustic insulation, and long term durability were also discussed. Last, the presentation addressed model selection and design criteria issues. Design criteria that were presented included a discussion of acoustic installation, articulating nozzles, scroll cased fans, and structural frame. Other design criteria presented were galvanized frames, telescopic sliders, and off the shelf parts. It was concluded that the ability to reduce energy consumption and enhance employee/client comfort is beneficial to the employer as well as to the employee. figs.

  11. 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.

  12. 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.

  13. 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...

  14. 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...

  15. 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, ...

  16. Realized Cost Savings 2016

    Data.gov (United States)

    Department of Veterans Affairs — This dataset is provided as a requirement of OMB’s Integrated Data Collection (IDC) and links to VA’s Realized Cost Savings and Avoidances data in JSON format. Cost...

  17. 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…

  18. 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.

  19. 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...

  20. 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.

  1. Comparison of electricity and heat production in combined and single-purpose systems against the background of energy saving by means of thermal insulation. Pt. 1. System comparison and general results; Vergleich der Strom- und Heizenergieerzeugung in gekoppelten und ungekoppelten Anlagen vor dem Hintergrund der Einsparmoeglichkeiten durch Waermedaemmung. T. 1. Systemvergleich und allgemeine Ergebnisse

    Energy Technology Data Exchange (ETDEWEB)

    Damberger, S.; Guenther, M.; Kluender, M.; Moeller, K.P.; Wenk, N.

    1994-06-01

    The study comprises investigations for the purpose of increasing the generation of electricity and heat in dual-purpose power plants and for promoting thermal insulation of buildings: Methods for comparatiave calculations; economic aspects; separate generation of electric power and heat; cogeneration of electric power and heat; economic efficiency of thermal insulation measures in domestic buildings; comparison of results. (HW) [Deutsch] Die Studie umfasst Untersuchungen zur Erhoehung des Anteils der gekoppelten Erzeugung von Strom und Waerme und zur vermehrten Waermedaemmung von Gebaeuden: - Methoden fuer Vergleichsrechnungen - Ekonomie - getrennte Erzeugung von Strom und Waerme - gekoppelte Erzeugung von Strom und Waerme - Wirtschaftlichkeit von Massnahmen einer Waermedaemmung von Wohngebaeuden - Vergleich der Ergebnisse. (HW)

  2. 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

  3. 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…

  4. 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." 

  5. 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.

  6. 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 ...

  7. Reusable Surface Insulation

    Science.gov (United States)

    1997-01-01

    Advanced Flexible Reusable Surface Insulation, developed by Ames Research Center, protects the Space Shuttle from the searing heat that engulfs it on reentry into the Earth's atmosphere. Initially integrated into the Space Shuttle by Rockwell International, production was transferred to Hi-Temp Insulation Inc. in 1974. Over the years, Hi-Temp has created many new technologies to meet the requirements of the Space Shuttle program. This expertise is also used commercially, including insulation blankets to cover aircrafts parts, fire barrier material to protect aircraft engine cowlings and aircraft rescue fire fighter suits. A Fire Protection Division has also been established, offering the first suit designed exclusively by and for aircraft rescue fire fighters. Hi-Temp is a supplier to the Los Angeles City Fire Department as well as other major U.S. civil and military fire departments.

  8. 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...

  9. Insulators for fusion applications

    International Nuclear Information System (INIS)

    1987-04-01

    Design studies for fusion devices and reactors have become more detailed in recent years and with this has come a better understanding of requirements and operating conditions for insulators in these machines. Ceramic and organic insulators are widely used for many components of fusion devices and reactors namely: radio frequency (RF) energy injection systems (BeO, Al 2 O 3 , Mg Al 2 O 4 , Si 3 N 4 ); electrical insulation for the torus structure (SiC, Al 2 O 3 , MgO, Mg Al 2 O 4 , Si 4 Al 2 O 2 N 6 , Si 3 N 4 , Y 2 O 3 ); lightly-shielded magnetic coils (MgO, MgAl 2 O 4 ); the toroidal field coil (epoxies, polyimides), neutron shield (B 4 C, TiH 2 ); high efficiency electrical generation; as well as the generation of very high temperatures for high efficiency hydrogen production processes (ZrO 2 and Al 2 O 3 - mat, graphite and carbon - felt). Timely development of insulators for fusion applications is clearly necessary. Those materials to be used in fusion machines should show high resistance to radiation damage and maintain their structural integrity. Now the need is urgent for a variety of radiation resistant materials, but much effort in these areas is required for insulators to be considered seriously by the design community. This document contains 14 papers from an IAEA meeting. It was the objective of this meeting to identify existing problems in analysing various situations of applications and requirements of electrical insulators and ceramics in fusion and to recommend strategies and different stages of implementation. This meeting was endorsed by the International Fusion Research Council

  10. 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...

  11. 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.

  12. 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...

  13. 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.

  14. Beyond insulation and isolation

    DEFF Research Database (Denmark)

    Højlund, Marie Koldkjær

    2016-01-01

    are insulation and isolation strategies to reduce measurable and perceptual noise levels. However, these strategies do not actively support the need to feel like an integral part of the shared hospital environment, which is a key element in creating healing environments, according to the paradigm of Evidence-Based...

  15. 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.

  16. 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.

  17. Go where the money is

    International Nuclear Information System (INIS)

    Pressler, T. G. Jr.

    1996-01-01

    The information required by investment banks from private E and P companies regarding private financing, sales, mergers or acquisitions, was discussed. A bank will always refer to a company's reserve report in its evaluation. Using this and other information at its disposal, the principal role of the investment bank is to advise clients in regard to financial transactions, to help them receive a fair value and to steer them in the direction where the required funds are most likely to be available ('go where the money is'), be it in public or private markets, or through a sale, or merger

  18. Integrated Multilayer Insulation

    Science.gov (United States)

    Dye, Scott

    2009-01-01

    Integrated multilayer insulation (IMLI) is being developed as an improved alternative to conventional multilayer insulation (MLI), which is more than 50 years old. A typical conventional MLI blanket comprises between 10 and 120 metallized polymer films separated by polyester nets. MLI is the best thermal- insulation material for use in a vacuum, and is the insulation material of choice for spacecraft and cryogenic systems. However, conventional MLI has several disadvantages: It is difficult or impossible to maintain the desired value of gap distance between the film layers (and consequently, it is difficult or impossible to ensure consistent performance), and fabrication and installation are labor-intensive and difficult. The development of IMLI is intended to overcome these disadvantages to some extent and to offer some additional advantages over conventional MLI. The main difference between IMLI and conventional MLI lies in the method of maintaining the gaps between the film layers. In IMLI, the film layers are separated by what its developers call a micro-molded discrete matrix, which can be loosely characterized as consisting of arrays of highly engineered, small, lightweight, polymer (typically, thermoplastic) frames attached to, and placed between, the film layers. The term "micro-molded" refers to both the smallness of the frames and the fact that they are fabricated in a process that forms precise small features, described below, that are essential to attainment of the desired properties. The term "discrete" refers to the nature of the matrix as consisting of separate frames, in contradistinction to a unitary frame spanning entire volume of an insulation blanket.

  19. 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...

  20. 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%.

  1. 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

  2. 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...

  3. Sport without game: Money laundering

    Directory of Open Access Journals (Sweden)

    Fijat Ljiljana M.

    2014-01-01

    Full Text Available Sport is firmly connected to politics in the whole world, the Republic of Serbia being no exception. Pronounced motives of profit in sport led to the appearance of new problems, like money laundering and business and moral unreliability of the participants. Some of anomalies are connected with politically exposed persons (PEP. Offering services within the banking industry, especially considering the private banking, entails a higher degree of discretion and confidentiality in comparison with the ordinary clients. Misuse of these business relationships by PEP has been identified. This paper surveys the statistically significant differences between domestic banks and the domestic banks with the foreign capital in relation to the groups of procedures concerning PEP based on the Recommendation 6 of the Financial Action Task Force on Money Laundering - FATF. Although the domestic banks with the foreign capital were obliged to apply the procedures related to the FATF's Recommendations to the same extent as the Main Office, significant differences between domestic and foreign banks were not found, in terms of Recommendation 6. Inadequacy of regulations and lack of enforcement procedures jeopardize the program of reforms, threatening, the privatisation in sports.

  4. Saving Malta's music memory

    OpenAIRE

    Sant, Toni

    2013-01-01

    Maltese music is being lost. Along with it Malta loses its culture, way of life, and memories. Dr Toni Sant is trying to change this trend through the Malta Music Memory Project (M3P) http://www.um.edu.mt/think/saving-maltas-music-memory-2/

  5. Save Our Water Resources.

    Science.gov (United States)

    Bromley, Albert W.

    The purpose of this booklet, developed as part of Project SOAR (Save Our American Resources), is to give Scout leaders some facts about the world's resources, the sources of water pollution, and how people can help in obtaining solutions. Among the topics discussed are the world's water resources, the water cycle, water quality, sources of water…

  6. Gun control saves lives

    African Journals Online (AJOL)

    gun control legislation. One study estimated that more than 4 500 lives were saved across five SA cities from 2001 to 2005.[5] Pro-gun interest groups seeking to promote gun ownership and diffusion have attacked these findings, suggesting that stricter gun control was only enacted in 2004 following the publication of ...

  7. 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.

  8. 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.

  9. Metal-insulator transitions

    Science.gov (United States)

    Imada, Masatoshi; Fujimori, Atsushi; Tokura, Yoshinori

    1998-10-01

    Metal-insulator transitions are accompanied by huge resistivity changes, even over tens of orders of magnitude, and are widely observed in condensed-matter systems. This article presents the observations and current understanding of the metal-insulator transition with a pedagogical introduction to the subject. Especially important are the transitions driven by correlation effects associated with the electron-electron interaction. The insulating phase caused by the correlation effects is categorized as the Mott Insulator. Near the transition point the metallic state shows fluctuations and orderings in the spin, charge, and orbital degrees of freedom. The properties of these metals are frequently quite different from those of ordinary metals, as measured by transport, optical, and magnetic probes. The review first describes theoretical approaches to the unusual metallic states and to the metal-insulator transition. The Fermi-liquid theory treats the correlations that can be adiabatically connected with the noninteracting picture. Strong-coupling models that do not require Fermi-liquid behavior have also been developed. Much work has also been done on the scaling theory of the transition. A central issue for this review is the evaluation of these approaches in simple theoretical systems such as the Hubbard model and t-J models. Another key issue is strong competition among various orderings as in the interplay of spin and orbital fluctuations. Experimentally, the unusual properties of the metallic state near the insulating transition have been most extensively studied in d-electron systems. In particular, there is revived interest in transition-metal oxides, motivated by the epoch-making findings of high-temperature superconductivity in cuprates and colossal magnetoresistance in manganites. The article reviews the rich phenomena of anomalous metallicity, taking as examples Ti, V, Cr, Mn, Fe, Co, Ni, Cu, and Ru compounds. The diverse phenomena include strong spin and

  10. Some observations about the endogenous money theory

    OpenAIRE

    Bertocco Giancarlo

    2006-01-01

    The endogenous money theory constitutes the core element of the post-keynesian monetary theory. The first formulation of this theory can be found in the works of Kaldor published in the 1970s. Taking these studies as a starting point, the post-keynesians elaborated two versions of the endogenous money theory which differ in their assumptions about the behaviour of the monetary authorities and the banking system, and hence offer different conclusions about the slope of the money supply curve. ...

  11. 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...

  12. 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...

  13. 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...

  14. Modelling the Demand for Money in Pakistan

    OpenAIRE

    Qayyum, Abdul

    2005-01-01

    The study estimates the dynamic demand for money (M2) function in Pakistan by employing cointegration analysis and error correction mechanism. The parameters of preferred model are found to be super-exogenous for the relevant class of interventions. It is found that the rate of inflation is an important determinant of money demand in Pakistan. The analysis reveals that the rates of interest, market rate, and bond yield are important for the long-run money demand behaviour. Since the preferred...

  15. 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.

  16. 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.

  17. Walmart - Saving Energy, Saving Money Through Comprehensive Retrofits, Commercial Building Energy Efficiency (Fact Sheet); Energy Efficiency & Renewable Energy (EERE)

    Energy Technology Data Exchange (ETDEWEB)

    None

    2015-03-01

    Walmart partnered with the U.S. Department of Energy (DOE) in 2009 to develop and demonstrate energy retrofits for existing buildings. The goal was to reduce energy consumption by at least 30% versus ASHRAE Standard 90.1-2007, as part of DOE's Commercial Building Partnerships (CBP) Program. The project presented here, the retrofit of a 213,000 square foot store in Centennial, Colorado, withefficiency measures across multiple building systems, is part of Walmart's ongoing environmental sustainability program, which originated in 2005.

  18. 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...

  19. 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.

  20. 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. ...

  1. "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....

  2. 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 ...

  3. Heat insulating plates

    Energy Technology Data Exchange (ETDEWEB)

    Allan, J.A.F.

    1976-10-28

    Micro-porous insulation plates are dealt with, for example, how they are used in the insulation of heat storage devices. Since one side of such plates is exposed to a temperature of over 700/sup 0/C, a shrinkage of the glass texture of the covering can occur, which can exceed the shrinkage of the inner micro-porous material, so that cracks and splits in the high temperature side of the covering can come about. The task of the invention is to design the plate in such a way as to prevent this from happening. For this purpose the plate is provided, according to invention specifications, with flutes, waves, ribs, waffle or grid patterns and the covering is set into the recesses originating from this.

  4. Green insulation: hemp fibers

    Energy Technology Data Exchange (ETDEWEB)

    Anon,

    2011-09-15

    Indian hemp (Cannabis indica) is known for its psychotropic values and it is banned in most countries. However, industrial hemp (Cannabis sativa) is known for its tough fibers. Several manufactures in Europe including, small niche players, have been marketing hemp insulation products for several years. Hemp is a low environmental impact material. Neither herbicide nor pesticide is used during the growth of hemp. The fibers are extracted in a waste-free and chemical-free mechanical process. Hemp can consume CO2 during its growth. In addition, hemp fiber can be disposed of harmlessly by composting or incineration at the end of its life. Hemp fibers are processed and treated only minimally to resist rot and fungal activity. There is little health risk when producing and installing the insulation, thanks to the absence of toxic additive. Its thermal resistance is comparable to mineral wool. But the development and marketing of hemp fibers may be restricted in North America.

  5. Super-insulation

    International Nuclear Information System (INIS)

    Gerold, J.

    1985-01-01

    The invention concerns super-insulation, which also acts as spacing between two pressurized surfaces, where the crossing bars in at least two layers are provided, with interposed foil. The super-insulation is designed so that it can take compression forces and limits thermal radiation and thermal conduction sufficiently, where the total density of heat flow is usually limited to a few watts per m 2 . The solution to the problem is characterized by the fact that the bars per layer are parallel and from layer to layer they are at an angle to each other and the crossover positions of the bars of different layers are at fixed places and so form contact columns. The basic idea is that bars crossing over each other to support compression forces are used so that contact columns are formed, which are compressed to a certain extent by the load. (orig./PW) [de

  6. Compact vacuum insulation embodiments

    Science.gov (United States)

    Benson, D.K.; Potter, T.F.

    1992-04-28

    An ultra-thin compact vacuum insulation panel is comprised of two hard, but bendable metal wall sheets closely spaced apart from each other and welded around the edges to enclose a vacuum chamber. Glass or ceramic spacers hold the wall sheets apart. The spacers can be discrete spherical beads or monolithic sheets of glass or ceramic webs with nodules protruding therefrom to form essentially point' or line' contacts with the metal wall sheets. In the case of monolithic spacers that form line' contacts, two such spacers with the line contacts running perpendicular to each other form effectively point' contacts at the intersections. Corrugations accommodate bending and expansion, tubular insulated pipes and conduits, and preferred applications are also included. 26 figs.

  7. Compact vacuum insulation

    Science.gov (United States)

    Benson, D.K.; Potter, T.F.

    1993-01-05

    An ultra-thin compact vacuum insulation panel is comprised of two hard, but bendable metal wall sheets closely spaced apart from each other and welded around the edges to enclose a vacuum chamber. Glass or ceramic spacers hold the wall sheets apart. The spacers can be discrete spherical beads or monolithic sheets of glass or ceramic webs with nodules protruding therefrom to form essentially point'' or line'' contacts with the metal wall sheets. In the case of monolithic spacers that form line'' contacts, two such spacers with the line contacts running perpendicular to each other form effectively point'' contacts at the intersections. Corrugations accommodate bending and expansion, tubular insulated pipes and conduits, and preferred applications are also included.

  8. Insulating materials for optoelectronics

    International Nuclear Information System (INIS)

    Agullo-Lopez, F.

    1990-01-01

    Optoelectronics is an interdisciplinary field. Basic functions of an optoelectronic system include the generator of the optical signal, its transmission and handling and, finally, its detection, storage and display. A large variety of semiconductor and insulating materials are used or are being considered to perform those functions. The authors focus on insulating materials, mostly oxides. For signal generation, tunable solid state lasers, either vibronic or those based oon colour centres are briefly described, and their main operating parameters summarized. Reference is made to some developments on fiber and waveguide lasers. Relevant physical features of the silica fibres used for low-loss, long-band, optical transmission are reviewed, as well as present efforts to further reduce attenuation in the mid-infrared range. Particular attention is paid to photorefractive materials (LiNbO 3 , BGO, BSO, etc.), which are being investigated

  9. Super insulating aerogel glazing

    DEFF Research Database (Denmark)

    Schultz, Jørgen Munthe; Jensen, Karsten Ingerslev; Kristiansen, Finn Harken

    2004-01-01

    form the weakest part of the thermal envelope with respect to heat loss coefficient, but on the other hand also play an important role for passive solar energy utilisation. For window orientations other than south, the net energy balance will be close to or below zero. However, the properties......Monolithic silica aerogel offers the possibility of combining super insulation and high solar energy transmittance, which has been the background for a previous and a current EU project on research and development of monolithic silica aerogel as transparent insulation in windows. Generally, windows...... of aerogel glazing will allow for a positive net energy gain even for north facing vertical windows in a Danish climate during the heating season. This means that high quality daylight can be obtained even with additional energy gain. On behalf of the partners of the two EU projects, results related...

  10. Insulated pipe clamp design

    International Nuclear Information System (INIS)

    Anderson, M.J.; Hyde, L.L.; Wagner, S.E.; Severud, L.K.

    1980-01-01

    Thin wall large diameter piping for breeder reactor plants can be subjected to significant thermal shocks during reactor scrams and other upset events. On the Fast Flux Test Facility, the addition of thick clamps directly on the piping was undesired because the differential metal temperatures between the pipe wall and the clamp could have significantly reduced the pipe thermal fatigue life cycle capabilities. Accordingly, an insulated pipe clamp design concept was developed. The design considerations and methods along with the development tests are presented. Special considerations to guard against adverse cracking of the insulation material, to maintain the clamp-pipe stiffness desired during a seismic event, to minimize clamp restraint on the pipe during normal pipe heatup, and to resist clamp rotation or spinning on the pipe are emphasized

  11. Insulated pipe clamp design

    International Nuclear Information System (INIS)

    Anderson, M.J.; Hyde, L.L.; Wagner, S.E.; Severud, L.K.

    1980-01-01

    Thin wall large diameter piping for breeder reactor plants can be subjected to significant thermal shocks during reactor scrams and other upset events. On the Fast Flux Test Facility, the addition of thick clamps directly on the piping was undesired because the differential metal temperatures between the pipe wall and the clamp could have significantly reduced the pipe thermal fatigue life cycle capabilities. Accordingly, an insulated pipe clamp design concept was developed. 5 refs

  12. Pourable Foam Insulation

    Science.gov (United States)

    Harvey, James A.; Butler, John M.; Chartoff, Richard P.

    1989-01-01

    Report describes search for polyisocyanurate/polyurethane foam insulation with superior characteristics. Discusses chemistry of current formulations. Tests of formulations, of individual ingredients and or alternative new formulations described. Search revealed commercially available formulations exhibiting increased thermal stability at temperatures up to 600 degree C, pours readily before curing, presents good appearance after curing, and remains securely bonded to aluminum at cryogenic temperatures. Total of 42 different formulations investigated, 10 found to meet requirements.

  13. GENERAL CONSIDERATIONS ON MONEY LAUNDERING

    Directory of Open Access Journals (Sweden)

    Elena EVA

    2015-04-01

    Full Text Available Lawyers are not immune to committing offences and the provisions of criminal law apply to them accordingly. The criminal liability of lawyers represents a natural aspect in the rule of law. Lawyers involved as defendants in criminal cases do not benefit from any special status or privileges compared to other defendants. In the international context of the fight against money laundering, the community law has submitted the profession of lawyer to two obligations concerning vigilance and denouncement. The assimilation of lawyer’s profession to financial or non-regulated professions entails the deformation of rules and principles specific to lawyers, as well as discussing the bases of any democratic society: the professional secrecy of lawyers and their independence.

  14. Work for Passion or Money?

    DEFF Research Database (Denmark)

    Bille, Trine; Løyland, Knut; Holm, Anders

    2017-01-01

    on the supply of arts hours. This finding supports arts policy and shows the impact of art grants on artists’ motivation to work on their arts. The causality of wages on supply is demonstrated by estimating the effects of wage shocks (grants) on arts labor supply using fixed-effect and difference......This paper assesses the relative impact of work for money or work for passion on Norwegian artists by examining artists’ labor supply. Our contribution is twofold. The first is to test the work-preference model and the second is to investigate the impact of arts grants on artists’ labor supply...... adds to the literature by estimating the significance of these various income sources on the time allocated to arts work, non-arts work, and leisure. The results provide convincing evidence for the work-preference model, and ad hoc evidence shows that art grants have a significant positive effect...

  15. Atomic Weapons Establishment Bill [Money

    International Nuclear Information System (INIS)

    Bennett, A.F.; Cryer, Bob; Carlisle, Kenneth; Dean, Paul.

    1990-01-01

    The debate concerns the authorisation of payment of the money required to reorganise the atomic weapons establishment in the United Kingdom provided for in the Atomic Weapons Establishment Bill in progress through Parliament. In the Bill the contractorisation of the establishment is recommended and some sort of Government owned company operated scheme set up. The debate lasted about half an hour and is reported verbatim. The issues raised concerned the actual sums likely to be incurred in the formation of a Company to carry out the designated activities of the Bill. These are connected with the research, development, production or maintenance of nuclear devices and the premises needed. The government spokesman suggested the sums required to support the Bill would not be large and the resolution was agreed to without a vote. (UK)

  16. Money, Markets and Social Power

    Directory of Open Access Journals (Sweden)

    Garry Jacobs

    2016-05-01

    Full Text Available The future science of Economics must be human-centered, value-based, inclusive, global in scope and evolutionary in perspective. It needs to be fundamentally interdisciplinary to reflect the increasingly complex sectoral interconnections that characterize modern society. It must also be founded on transdisciplinary principles of social existence and human development that constitute the theoretical foundation for all the human sciences. This paper examines three fundamental aspects of modern economy to illustrate the types of issues and perspectives relevant to a reformulation of Economics framed within a broader political, social, cultural, psychological and ecological context. It examines the social forces responsible for the present functioning of economies, which can be effectively addressed and controlled only when they are made conscious and explicit. Whatever the powers that have shaped its development in the past, the rightful aim of economic science is a system of knowledge that promotes the welfare and well-being of all humanity. Markets and money are instruments for the conversion of social potential into social power. They harness the power of organization to transform human energies into the capacity for social accomplishment. The distribution of rights and privileges in society determines how these social institutions function and who benefits. Freedom means access to social power and is only possible in the measure all forms of that power—political, economic and social—are equitably distributed. The current system is inherently biased in favor of privileged elites reinforcing domination by the more powerful. The emergence of the individual is the vanguard of social evolution and the widest manifestation of creative individuality is its pinnacle. This emergence can only be fully achieved in conditions of freedom and equality. Economic theory needs to make explicit the underlying forces determining the distribution of power and

  17. 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...

  18. 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).

  19. Save energy - for industry

    International Nuclear Information System (INIS)

    Anon.

    1983-01-01

    The article is an interview with Glenn Bjorklund, Vice President of SCalEd (Southern California Edison). The variations in Californian power demand and public electricity consumption habits are explained, together with types of power source used in electricity production. Questions are posed concerning SCalEd's energy saving strategy. The political implications of electricity charge changes are discussed. The planned energy resources for 1982-1992 are given with nuclear power being the largest contributor. (H.J.P./G.T.H.)

  20. 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

  1. 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…

  2. 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.

  3. 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)

  4. 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...

  5. 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.

  6. 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...

  7. 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.

  8. 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...

  9. Money Talks Series: Hunger Attack! (Teen Guide)

    OpenAIRE

    2007-01-01

    Investigate how the food you choose affects the amount of money you spend and your health. Calculate how much money you spend on food, explore motives for your food choices, examine the nutritional quality of the food you buy, and identify easy ways to make healthier, lower cost food choices.

  10. Does Money Matter in Education? Second Edition

    Science.gov (United States)

    Baker, Bruce D.

    2016-01-01

    This second edition policy brief revisits the long and storied literature on whether money matters in providing a quality education. It includes research released since the original brief in 2012 and covers a handful of additional topics. Increasingly, political rhetoric adheres to the unfounded certainty that money does not make a difference in…

  11. The Topology of Danish Interbank Money Flows

    DEFF Research Database (Denmark)

    Rørdam, Kirsten Bonde; Bech, Morten Linnemann

    This paper presents the first topological analysis of Danish money market flows. We analyze the structure of two networks with different types of transactions. The first network is the money market network, which is driven by banks' behavior on the interbank market, the second is the network...

  12. '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.

  13. A Goldsmith Exercise for Learning Money Creation

    Science.gov (United States)

    Pearlman, Sarah; Rebelein, Robert P.

    2013-01-01

    In this article, the authors outline a classroom exercise involving goldsmiths designed to improve undergraduate students' understanding of how banks create money. This concept is important to macroeconomics and money and banking courses, yet students frequently struggle with it, largely due to the nonphysical nature of deposits and reserves.…

  14. 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

  15. 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...

  16. 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

  17. 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.

  18. 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

  19. 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...

  20. 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...

  1. 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

  2. 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.

  3. 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...

  4. Entrepreneurial Saving Practices and Reinvestment

    NARCIS (Netherlands)

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

    2017-01-01

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

  5. Social Capital and Savings Behavior

    DEFF Research Database (Denmark)

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

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

  6. Saving water through global trade

    NARCIS (Netherlands)

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

    2005-01-01

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

  7. 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.

  8. 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.

  9. Water Saving for Development

    Science.gov (United States)

    Zacharias, Ierotheos

    2013-04-01

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

  10. Savings for the Poor

    OpenAIRE

    Ignacio Mas

    2010-01-01

    This paper reviews the relevance of formal financial services – in particular, savings – to poor people, the economic factors that have hindered the mass-scale delivery of such services in developing countries, and the technology-based opportunities that exist today to make massive gains in financial inclusion. It also highlights the benefits to government from universal financial access, as well as the key policy enablers that would need to be put in place to allow the necessary innovati...

  11. Locomotive energy savings possibilities

    Directory of Open Access Journals (Sweden)

    Leonas Povilas LINGAITIS

    2009-01-01

    Full Text Available Economic indicators of electrodynamic braking have not been properly estimated. Vehicles with alternative power trains are transitional stage between development of pollution- free vehicles. According to these aspects the investigation on conventional hybrids drives and their control system is carried out in the article. The equation that allows evaluating effectiveness of regenerative braking for different variants of hybrid drive are given. Presenting different types of locomotive energy savings power systems, which are using regenerative braking energy any form of hybrid traction vehicles systems, circuit diagrams, electrical parameters curves.

  12. Money and transmission of bacteria.

    Science.gov (United States)

    Gedik, Habip; Voss, Timothy A; Voss, Andreas

    2013-08-28

    Money is one of the most frequently passed items in the world. The aim of this study was to ascertain the survival status of bacteria including Staphylococcus aureus, Escherichia coli, and Vancomycin- Resistant Enterococci (VRE) on banknotes from different countries and the transmission of bacteria to people who come in contact with the banknotes. The survival rate was highest for the Romanian Leu yielding all three microorganisms used after both three and six hours of drying. Furthermore, the Leu was the only banknote to yield VRE after one day of drying. Other currencies either enabled the survival of Extended-Spectrum Beta-Lactamases (ESBL) and VRE (e.g. Euro), but not of MRSA, or the other way round (e.g. US Dollar). While a variety of factors such as community hygiene levels, people's behaviour, and antimicrobial resistance rates at community level obviously have influence on the transmission of resistant microorganisms, the type of banknote-paper may be an additional variable to consider.

  13. Magnetically insulated H- diodes

    International Nuclear Information System (INIS)

    Fisher, A.; Bystritskii, V.; Garate, E.; Prohaska, R.; Rostoker, N.

    1993-01-01

    At the Univ. of California, Irvine, the authors have been studying the production of intense H - beams using pulse power techniques for the past 7 years. Previously, current densities of H - ions for various diode designs at UCI have been a few A/cm 2 . Recently, they have developed diodes similar to the coaxial design of the Lebedev Physical Institute, Moscow, USSR, where current densities of up to 200 A/cm 2 were reported using nuclear activation of a carbon target. In experiments at UCI employing the coaxial diode, current densities of up to 35 A/cm 2 from a passive polyethylene cathode loaded with TiH 2 have been measured using a pinhole camera and CR-39 track recording plastic. The authors have also been working on a self-insulating, annular diode which can generate a directed beam of H - ions. In the annular diode experiments a plasma opening switch was used to provide a prepulse and a current path which self-insulated the diode. These experiments were done on the machine APEX, a 1 MV, 50 ns, 7 Ω pulseline with a unipolar negative prepulse of ∼ 100 kV and 400 ns duration. Currently, the authors are modifying the pulseline to include an external LC circuit which can generate a bipolar, 150 kV, 1 μs duration prepulse (similar prepulse characteristic as in the Lebedev Institute experiments cited above)

  14. Money Supply, Interest Rate, and Economic Growth in Cameroon: A ...

    African Journals Online (AJOL)

    Money Supply, Interest Rate, and Economic Growth in Cameroon: A Time Series ... the impacts of money and interest rate on economic growth and development. ... Money Supply, Interest Rates, Economic growth, Co-integration and Inflation.

  15. Learning to save lives!

    CERN Document Server

    2003-01-01

    They're all around you and watch over you, but you won't be aware of them unless you look closely at their office doors. There are 308 of them and they have all been given 12 hours of training with the CERN Fire Brigade. Who are they? Quite simply, those who could one day save your life at work, the CERN first-aiders. First-aiders are recruited on a volunteer basis. "Training is in groups of 10 to 12 people and a lot of emphasis is placed on the practical to ensure that they remember the life-saving techniques we show them", explains Patrick Berlinghi, a CERN first-aid instructor from TIS Division. He is looking forward to the arrival of four new instructors, which will bring the total number to twelve (eleven firemen and one member of the Medical Service). "The new instructors were trained at CERN from 16 to 24 May by Marie-Christine Boucher Da Ros (a member of the Commission Pédagogie de l'Observatoire National Français du Secourisme, the education commission of France's national first-aid body). This in...

  16. 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.

  17. 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...

  18. 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...

  19. 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...

  20. Endogenous money supply and the business cycle

    OpenAIRE

    William T. Gavin; Finn E. Kydland

    1996-01-01

    This paper documents changes in the cyclical behavior of nominal data series that appear after 1979:Q3 when the Federal Reserve implemented a policy to lower the inflation rate. Such changes were not apparent in real variables. A business cycle model with impulses to technology and a role for money is used to show how alternative money supply rules are expected to affect observed business cycle facts. In this model, changes in the money supply rules have almost no effect on the cyclical behav...

  1. 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.

  2. Silvio Gesell's Theory and Accelerated Money Experiments

    OpenAIRE

    Jérôme Blanc

    1998-01-01

    A former version of this paper was published as “Free Money for Social Progress : Theory and practice of Gesell's accelerated money”, American Journal of Economics and Sociology, 57(8), October, 1998, pp. 469-483.; Silvio Gesell (1862-1930) proposed a system of stamped money in order to accelerate monetary circulation and to free money from interest. This was part of a global socialist system intended to free economy from rent and interest. In the 1930s, Irving Fisher, who proposed the system...

  3. 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...

  4. 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.

  5. 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.

  6. 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...

  7. 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.)

  8. Plastic Materials for Insulating Applications.

    Science.gov (United States)

    Wang, S. F.; Grossman, S. J.

    1987-01-01

    Discusses the production and use of polymer materials as thermal insulators. Lists several materials that provide varying degrees of insulation. Describes the production of polymer foam and focuses on the major applications of polystyrene foam, polyurethane foam, and polyisocyanurate foam. (TW)

  9. 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)

  10. Does Daylight Saving Save Energy? A Meta-Analysis

    OpenAIRE

    Havránek, Tomáš; Herman, Dominik; Irsova, Zuzana

    2016-01-01

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

  11. 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

  12. Can lean save lives?

    Science.gov (United States)

    Fillingham, David

    2007-01-01

    The purpose of this paper is to show how over the last 18 months Bolton Hospitals NHS Trust have been exploring whether or not lean methodologies, often known as the Toyota Production System, can indeed be applied to healthcare. This paper is a viewpoint. One's early experience is that lean really can save lives. The Toyota Production System is an amazingly successful way of manufacturing cars. It cannot be simply translated unthinkingly into a hospital but lessons can be learned from it and the method can be adapted and developed so that it becomes owned by healthcare staff and focused towards the goal of improved patient care. Working in healthcare is a stressful and difficult thing. Everyone needs a touch of inspiration and encouragement. Applying lean to healthcare in Bolton seems to be achieving just that for those who work there.

  13. 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.

  14. Corporate responsibility and prevention of money laundering

    Directory of Open Access Journals (Sweden)

    Đurđević Dragan Ž.

    2015-01-01

    Full Text Available This paper analyzes corporate responsibility and prevention of money laundering from the point of view of the new emerging business enviroinment, while taking into account the aspects of risk and legal responsibility. Furthermore, it analyzes the legal foundation, international standards, as well as the national Serbian regulatory system approach to anti-money laundering battle. The paper points to the key elements of anti-money laundering activities aimed at protection and safeguarding business interests, using the principles like 'knowing your client well', protecting your employees etc. By doing so, we also protect national interests, increase security and maintain the rule of law and of the stability of democratic society and institutions. Special focus is placed on the activities, roles and responsibilities of management in recognizing money laundering indicators and typologies, as well as the education of corporate staff in this area so as to be able to detect the aforementioned illegal activities in a timely manner.

  15. Endogenous Money, Output and Prices in India

    OpenAIRE

    Das, Rituparna

    2009-01-01

    This paper proposes to quantify the macroeconometric relationships among the variables broad money, lending by banks, price, and output in India using simultaneous equations system keeping in view the issue of endogeneity.

  16. international money transfer services market in uzbekistan

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

    Kuchkarov

    competition and entrepreneurship and International Development Research Centre. Antimonopoly ...... multiple methods of the effective usage of such money ... current type of services. .... qualitative changes as a result of scientific- technical ...

  17. Excitons in insulators

    International Nuclear Information System (INIS)

    Grasser, R.; Scharmann, A.

    1983-01-01

    This chapter investigates absorption, reflectivity, and intrinsic luminescence spectra of free and/or self-trapped (localized) excitons in alkali halides and rare gas solids. Introduces the concepts underlying the Wannier-Mott and Frenkel exciton models, two extreme pictures of an exciton in crystalline materials. Discusses the theoretical and experimental background; excitons in alkali halides; and excitons in rare gas solids. Shows that the intrinsic optical behavior of wide gap insulators in the range of the fundamental absorption edge is controlled by modified Wannier-Mott excitons. Finds that while that alkali halides only show free and relaxed molecular-like exciton emission, in rare gas crystals luminescence due to free, single and double centered localized excitons is observed. Indicates that the simultaneous existence of free and self-trapped excitons in these solid requires an energy barrier for self-trapping

  18. 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.

  19. 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.

  20. 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.

  1. Adjusted Money's Worth Ratios in Life Annuities

    OpenAIRE

    Jaime Casassus; Eduardo Walker

    2013-01-01

    The Money's Worth Ratio (MWR) measures an annuity's actuarial fairness. It is calculated as the discounted present value of expected future payments divided by its cost. We argue that from the perspective of annuitants, this measure may overestimate the value-for-money obtained, since it does not adjust for liquidity or risk factors. Measuring these factors is challenging, requiring detailed knowledge of assets, liabilities, and of the stochastic processes followed by them. Using a multi-fact...

  2. Analisis Kurs dan Money Supply di Indonesia

    OpenAIRE

    Oktavia, Adek Laksmi; Sentosa, Sri Ulfa; Aimon, Hasdi

    2013-01-01

    This article focused on analyze (1) Effect of the money supply, income, domestic interest rates, inflation and the trade balance to the exchange rate in Indonesia. (2) The influence of domestic interest rates, output and the exchange rate on the money supply in Indonesia. Data used time series of (I year kuartal 2000 – IV year kuartal 2010). This article use analyzer model equation of simultaneous with method of Two Stage Least Squared (TSLS). The result of research concludes that (1) the ...

  3. Money and Growth: An Alternative Approach.

    OpenAIRE

    Ireland, Peter N

    1994-01-01

    This paper takes an alternative approach to the topic of money and growth by developing a model in which the effects of sustained capital accumulation on an evolving system of payments, in addition to the conventional effects of sustained inflation on growth, are examined. While the effects of inflation on growth are small, the effects of growth on the monetary system are substantial. The results are consistent with ideas about money and growth contained in work that predates that of James To...

  4. Prepaid cards: vulnerable to money laundering?

    OpenAIRE

    Stanley J. Sienkiewicz

    2007-01-01

    This paper discusses the potential money laundering threat that prepaid cards face as they enter the mainstream of consumer payments. Over the past year, several government agencies have issued reports describing the threat to the U.S. financial system, including the use of prepaid cards by money launderers. Also, this paper incorporates the presentations made at a workshop hosted by the Payment Cards Center at which Patrice Motz, executive vice president, Premier Compliance Solutions, and Pa...

  5. Learning to trust your data : how data quality profiling saves money

    Energy Technology Data Exchange (ETDEWEB)

    Gregory, P.; King, I. [Intervera Data Solutions, Calgary, AB (Canada)

    2006-07-01

    Exploration and production companies (EPs) require new solutions on using and manipulating data from a range of sources due to data variability and newer technologies. Data capture methods and data accuracy levels collected over the operating history of a well's life cycle also pose challenges in terms of data integrity. Data quality is the basis and prerequisite for standardization and integration of varying data repositories into value added knowledge management systems. A roadmap for improving business performance was presented by providing examples of EP companies who have encountered data quality issues and successfully measured the business impact associated with poor data quality, and developed solutions that delivered benefits throughout their organizations. The paper discussed how to overcome the data quality challenge and provided reasons to enhance data quality. Several case studies were profiled that examined operational risk mitigation, regulatory compliance risk, contractual and liability risk, and corporate and financial risk. Second generation data profiling, cleansing and migration tools are introduced with an emphasis on how these automated tools helped EPs define, and deliver business benefits with data quality. 1 fig.

  6. Transportable Vitrification System RCRA Closure Practical Waste Disposition Saves Time And Money

    International Nuclear Information System (INIS)

    Brill, Angie; Boles, Roger; Byars, Woody

    2003-01-01

    The Transportable Vitrification System (TVS) was a large-scale vitrification system for the treatment of mixed wastes. The wastes contained both hazardous and radioactive materials in the form of sludge, soil, and ash. The TVS was developed to be moved to various United States Department of Energy (DOE) facilities to vitrify mixed waste as needed. The TVS consists of four primary modules: (1) Waste and Additive Materials Processing Module; (2) Melter Module; (3) Emissions Control Module; and (4) Control and Services Module. The TVS was demonstrated at the East Tennessee Technology Park (ETTP) during September and October of 1997. During this period, approximately 16,000 pounds of actual mixed waste was processed, producing over 17,000 pounds of glass. After the demonstration was complete it was determined that it was more expensive to use the TVS unit to treat and dispose of mixed waste than to direct bury this waste in Utah permitted facility. Thus, DOE had to perform a Resource Conservation and Recovery Act (RCRA) closure of the facility and find a reuse for as much of the equipment as possible. This paper will focus on the following items associated with this successful RCRA closure project: TVS site closure design and implementation; characterization activities focused on waste disposition; pollution prevention through reuse; waste minimization efforts to reduce mixed waste to be disposed; and lessons learned that would be integrated in future projects of this magnitude

  7. Saving energy and money at choice of power transformers, v. 16(63)

    International Nuclear Information System (INIS)

    Jankoski, Dimitar

    2008-01-01

    When power transformers work at regular conditions, besides they exert theirs principal function, they constantly spend electrical energy that is, always work with losses. Depending od performances, sometimes those losses can be drastically different, although the transformers can equal power and some voltages of transformation. Considering that the loss of energy has its own price, a dilemma whether it is better economic reason to purchase new expensive transformer with smaller losses or one cheaper with more losses during its work-comes out. This paper analysis such case. The presented access can usefully serve in practice, in making the right decision in replacing the old transformer with the new one, or choosing the new transformer. (Author)

  8. Saving energy and money at choice of power transformers, v. 16(62)

    International Nuclear Information System (INIS)

    Jankoski, Dimitar

    2008-01-01

    When power transformers work at regular conditions, besides they exert theirs principal function, they constantly spend electrical energy that is, always work with losses. Depending od performances, sometimes those losses can be drastically different, although the transformers can equal power and some voltages of transformation. Considering that the loss of energy has its own price, a dilemma whether it is better economic reason to purchase new expensive transformer with smaller losses or one cheaper with more losses during its work-comes out. This paper analysis such case. The presented access can usefully serve in practice, in making the right decision in replacing the old transformer with the new one, or choosing the new transformer. (Author)

  9. Tests were inconclusive: California's experiment with ACOs raises questions about whether they'll save money.

    Science.gov (United States)

    Vesely, Rebecca

    2010-11-01

    In California, many providers have been working in accountable care organizations for decades, and they say they can work well. "It's not the type of organization that defines the success of an ACO, it's the leadership," said Tom Williams, executive director of the Oakland, Calif.-based Integrated Healthcare Association. "For success, there needs to be alignment between hospitals and physicians."

  10. The cost of assisted outpatient treatment: can it save states money?

    Science.gov (United States)

    Swanson, Jeffrey W; Van Dorn, Richard A; Swartz, Marvin S; Robbins, Pamela Clark; Steadman, Henry J; McGuire, Thomas G; Monahan, John

    2013-12-01

    The authors assessed a state's net costs for assisted outpatient treatment, a controversial court-ordered program of community-based mental health services designed to improve outcomes for persons with serious mental illness and a history of repeated hospitalizations attributable to nonadherence with outpatient treatment. A comprehensive cost analysis was conducted using 36 months of observational data for 634 assisted outpatient treatment participants and 255 voluntary recipients of intensive community-based treatment in New York City and in five counties elsewhere in New York State. Administrative, budgetary, and service claims data were used to calculate and summarize costs for program administration, legal and court services, mental health and other medical treatment, and criminal justice involvement. Adjusted effects of assisted outpatient treatment and voluntary intensive services on total service costs were examined using multivariate time-series regression analysis. In the New York City sample, net costs declined 43% in the first year after assisted outpatient treatment began and an additional 13% in the second year. In the five-county sample, costs declined 49% in the first year and an additional 27% in the second year. Psychotropic drug costs increased during the first year after initiation of assisted outpatient treatment, by 40% and 44% in the city and five-county samples, respectively. Regression analyses revealed significant declines in costs associated with both assisted outpatient treatment and voluntary participation in intensive services, although the cost declines associated with assisted outpatient treatment were about twice as large as those seen for voluntary services. Assisted outpatient treatment requires a substantial investment of state resources but can reduce overall service costs for persons with serious mental illness. For those who do not qualify for assisted outpatient treatment, voluntary participation in intensive community-based services may also reduce overall service costs over time, depending on characteristics of the target population and local service system.

  11. Environmental control and life support - Partially closed system will save big money

    Science.gov (United States)

    Guy, W. W.

    1983-01-01

    Although the NASA space station has not yet been completely defined, realistic estimates may be made of the environmental control and life support system requirements entailed by a crew of eight, a resupply interval of 90 days, an initial launch which includes expendables for the first resupply interval, 7.86 lb/day of water per person, etc. An appraisal of these requirements is presented which strongly suggests the utility of a partially closed life support system. Such a scheme would give the crew high quality water to drink, and recycle nonpotable water from hand washing, bathing, clothes and dish washing, and urinal flushing. The excess recovery process water is electrolyzed to provide metabolic and leakage oxygen. The crew would drink electrolysis water and atmospheric humidity control moisture-derived water.

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

    NARCIS (Netherlands)

    Pirovano, Walter; Boetzer, Marten; Derks, M.F.L.; Smit, S.

    2017-01-01

    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

  13. Ground testing and simulation. II - Aerodynamic testing and simulation: Saving lives, time, and money

    Science.gov (United States)

    Dayman, B., Jr.; Fiore, A. W.

    1974-01-01

    The present work discusses in general terms the various kinds of ground facilities, in particular, wind tunnels, which support aerodynamic testing. Since not all flight parameters can be simulated simultaneously, an important problem consists in matching parameters. It is pointed out that there is a lack of wind tunnels for a complete Reynolds-number simulation. Using a computer to simulate flow fields can result in considerable reduction of wind-tunnel hours required to develop a given flight vehicle.

  14. Tow plows could help Michigan save time and money on winter maintenance : research spotlight.

    Science.gov (United States)

    2016-11-01

    As winter maintenance costs rise, MDOT is looking into innovative approaches to increase snow removal efficiency. As part of this effort, the department recently estimated the costs and benefits of incorporating tow plows into its equipment fleet. Re...

  15. Webinar: A Proactive Approach to IAQ: Saving Money and Protecting Health With Preventive Maintenance

    Science.gov (United States)

    A page to register to view the June 22, 2017, webinar in the IAQ Knowledge-to-Action Professional Training Webinar Series: Green Cleaning for Improved Health: The Return on Investment of Green Cleaning in Schools

  16. Reusable frame greenhouse that saves money and erection time and reduces waste generation

    International Nuclear Information System (INIS)

    Greenhalgh, W.O.; Ott, D.T.

    1977-01-01

    An improved greenhouse design has been proposed and tested for use at the Hanford Engineering Development Laboratory for containing radioactive materials during decontamination, maintenance, and remodeling operations in nuclear facilities. The advantages of the greenhouse design include a reusable frame that is free standing and self-supporting and a plastic enclosure that is easily erected and attached to the frame. Manpower requirements appear to be about half that of the conventional greenhouse, the construction costs are approximately 20 to 40% lower, and the waste generated from the greenhouse is approximately 60% lower

  17. Life saving or money wasting? Perceptions of caesarean sections among users of services in rural Bangladesh.

    Science.gov (United States)

    Parkhurst, Justin Oliver; Rahman, Syed Azizur

    2007-03-01

    Bangladesh has a high level of maternal mortality, corresponding to one of the world's lowest rates of use of skilled birth attendance (12.1%), and a similarly low rate of caesarean births (2.4%). While increasing the proportion of women who deliver with professional medical care is essential to prevent maternal deaths, past work has identified distrust of caesarean procedures in Bangladesh. The reasons behind this distrust can manifest itself in health seeking behaviour around maternal care. This paper presents findings from a qualitative study of 30 women in a rural district of Bangladesh who recently delivered in a health facility. It finds that the distrust in doctor's recommendations for surgery stemmed from high costs incurred and a belief that it was used when not medically justified. This could lead to women avoiding or leaving medical facilities in extreme cases. Some women's experiences further illustrated disagreement among medical staff as to whether or not a caesarean procedure should be done, with conflicting financial incentives for doctors to perform caesarean deliveries, and for nurses and midwives to conduct normal deliveries. Policy makers must recognise that the fears women hold of caesarean deliveries may not simply be rooted in ignorance and may, in fact, reflect legitimate concerns with medical practice. Ultimately, it will be essential to address problems in the health systems environment, which may promote improper service provision.

  18. Data-Informed Open Education Advocacy: A New Approach to Saving Students Money and Backaches

    Science.gov (United States)

    Thompson, Sydney; Cross, William; Rigling, Lillian; Vickery, John

    2017-01-01

    The North Carolina State University Libraries has long recognized the financial burden textbook costs place on students. By crosswalking information on use of our textbook collection with textbook cost and course enrollment data, we have begun to map the environment for textbook use at the university and identified opportunities for faculty…

  19. "Just like I'm saving money in the bank": client perspectives on care coordination services.

    Science.gov (United States)

    Freij, Maysoun; Weiss, Linda; Gass, Jonathon; Trezza, Claudia; Wiener, Abigail; Melly, Jeannine; Volland, Patricia

    2011-10-01

    Older adults face many challenges to community living. The literature has not sufficiently explored the roles of care coordination in the maintenance of housing and access to health care among older adults, particularly from their own perspectives. This qualitative study analyzes the findings from 25 interviews and 6 focus group discussions (48 participants) with a multiethnic sample of older adults in the New York City area. Care coordination services appear to assist older adults access health care, and to a lesser extent, maintain affordable housing. Disparities in access to care coordination appear to remain for immigrant, minority and suburban populations.

  20. Saving Money On Meds Cut your Rx costs with these tips.

    Science.gov (United States)

    Calandra, Robert

    2016-11-01

    With insurance deductibles and co-pays rising for some prescription medications and supplies, staying healthy is becoming more expensive for people with diabetes. But there are ways to trim costs without skimping on necessities. Start by being proactive and candid with your providers. Let your doctor, pharmacist, and diabetes educator know if there was an unexpected increase in your co-pay or if you need help paying for your prescriptions and supplies. They might point you toward free samples, discount coupons, and vouchers offered by pharmaceutical companies and device manufacturers. Read on for other cost- cutting tips.

  1. 'Vagabondic' and 'touristic' paths to saving money on household food budgets

    DEFF Research Database (Denmark)

    Nielsen, Annemette Ljungdalh; Holm, Lotte; Lund, Thomas Bøker

    socioeconomic characteristics, who experienced food budget constraint. The quantitative data consists of a survey among 1650 members of a household consumer panel. Using both data sources the study explored how shopping, storing, cooking and eating practices changed as a consequence of experienced restraints...... on the food budget. The quantitative results revealed how differences in terms of application of various types of strategies are related to different levels of food budget restrictions. Strategies applied to storing and cooking food in more efficient manners were widely practiced across all groups. Strategies...... strategies to either positive or negative experiences. Interviewees who made a positive experiences out of cooking with more filling ingredients, reducing eating out, and using left overs, expressed some kind of extra resources in comparison to the interviewees with negative experiences in the shape of e...

  2. Saving money on rig refurbishments through foreign trade zones or duty-drawback

    International Nuclear Information System (INIS)

    Ward, R.J. Jr.

    1997-01-01

    The recent boom in day rates for rigs capable of drilling in deep water and harsh environments has created a frenzy of rig refurbishment activity in shipyards located in US Gulf states. In most instances, the destination for the rigs upon completion is the US Outer Continental Shelf (USOCS) in the Gulf of Mexico. The problem faced by contractors/operators planning to use US shipyards is that this circumstance has caused difficulty in shielding rigs and their foreign-sourced components from US Customs duties. Under US Customs law, a bona fide exportation requires severance from US commerce and joining to the commerce of some foreign country or, in the case of a vessel supply, a qualifying international voyage. The USOCS does not qualify as an exportation, nor do movements to drilling sites located on it qualify as an international voyage. Described here are two possible solutions to this economic dilemma and an example of how the foreign trade zone solution was applied by Global marine in its plans for upgrading some of its semisubmersible drilling rigs for deepwater USOCS work

  3. Alternative strategies: A means for saving money and time on the Yucca Mountain Project

    International Nuclear Information System (INIS)

    Wilder, D.G.

    1993-01-01

    The United States Department of Energy (DOE) is undertaking studies to determine the suitability of Yucca Mountain (YM) as a potential site for disposal of high level nuclear waste. Yucca Mountain is located in an arid environment. Many processes that could contribute to mobilization of radionuclides are either absent or minimized in a dry site. Therefore, Yucca Mountain should have the potential of being a veryfavorable site for disposal of waste. The determination of suitability has no precedence, and the characterization of an and site is complex, requiring intensive studies to determine suitability. The studies undertaken by the Yucca Mountain Site Characterization Project (YMP) are very costly. By a process called performance allocation, the YMP determined strategies to satisfy regulations or meet performance while minimizing costs and schedules. Those involved recognized that allocations should be reviewed as additional information became available. The allocation has not been reviewed nor revised since the initial allocation in the Site Characterization Plan (SCP). The purpose of this paper is to outline alternative allocations that the author feels should be considered based on the additional information that is available at this time

  4. Hunting America’s Most Wanted While Saving Money, Lives, and Face: The Rise of RPA

    Science.gov (United States)

    2014-06-01

    Robbin Laird, “Why Air Force Needs Lots Of F-35s: Gen...facilities, aircrew, and support personnel were major barriers to fielding more systems 5 Tony Mason...6 Tony Mason, “Operation Allied Force,” ed John A. Olsen, A History of Air Warfare, 240, 245. 7 Arkin, “Operation Allied Force,” 1. 17

  5. Financial restructuring can be problematic under Chapter 11. Pre-packaged bankruptcy saves time and money.

    Energy Technology Data Exchange (ETDEWEB)

    Goffman, J.M.; Ashmead, J.R. [O`Sullivan, Graev & Karabell, NY (United States)

    1995-05-15

    For better or worse, deregulation is now a factor in the electric utility industry. As a general proposition, deregulation makes for increased competition, which in turn will trim costs for consumers. Deregulation of the electric industry means that utilities face the prospect of freezing or reducing rates to retain market share. Stranded investments and the burdens of above-market supply contracts and construction and development contracts (especially nuclear-related contracts) will place additional pressure on these utilities and further reduce their revenue. Ultimately these problems could hinder a utility`s ability to service its debt, invest for the future, and provide a reasonable rate of return to investors.

  6. Calibrating your grain drill or seeder can save both seed and money

    Science.gov (United States)

    The agronomic impact of over-seeding or under-seeding a field is complex. Most farmers have worked out a seeding rate with their agronomist. Exceeding that rate may not be productive, especially at $265+ per bag of alfalfa ($500 for switchgrass). Over-seeding costs add up, even across a small number...

  7. Mulch your tomatoes to fight weeds, retain soil moisture and save money

    Science.gov (United States)

    An on-farm experiment was conducted to determine whether different types of mulches were a cost-effective means of weed management in organic tomato production. Three mulch treatment, bare soil, straw and grass, were applied to drip-irrigated tomatoes at a depth of 7.5 cm. Weed biomass was reduced s...

  8. The Tax-Credit Scholarship Audit: Do Publicly Funded Private School Choice Programs Save Money?

    Science.gov (United States)

    Lueken, Martin F.

    2016-01-01

    This report follows up on previous work that examined the fiscal effects of private school voucher programs. It estimates the total fiscal effects of tax-credit scholarship programs--another type of private school choice program--on state governments, state and local taxpayers, and school districts combined. Based on a range of assumptions, these…

  9. Predictive Maintenance--An Effective Money Saving Tool Being Applied in Industry Today.

    Science.gov (United States)

    Smyth, Tom

    2000-01-01

    Looks at preventive/predictive maintenance as it is used in industry. Discusses core preventive maintenance tools that must be understood to prepare students. Includes a list of websites related to the topic. (JOW)

  10. 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.

  11. 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

  12. 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.

  13. 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...

  14. 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...

  15. 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.

  16. [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.

  17. 12 CFR 583.21 - Savings association.

    Science.gov (United States)

    2010-01-01

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

  18. Reinforcement Learning and Savings Behavior.

    Science.gov (United States)

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

    2009-12-01

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

  19. 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.

  20. 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

  1. Lightweight, Thermally Insulating Structural Panels

    Science.gov (United States)

    Eisen, Howard J.; Hickey, Gregory; Wen, Liang-Chi; Layman, William E.; Rainen, Richard A.; Birur, Gajanana C.

    1996-01-01

    Lightweight, thermally insulating panels that also serve as structural members developed. Honeycomb-core panel filled with low-thermal-conductivity, opacified silica aerogel preventing convection and minimizes internal radiation. Copper coating on face sheets reduces radiation. Overall thermal conductivities of panels smaller than state-of-art commercial non-structurally-supporting foam and fibrous insulations. On Earth, panels suitable for use in low-air-pressure environments in which lightweight, compact, structurally supporting insulation needed; for example, aboard high-altitude aircraft or in partially evacuated panels in refrigerators.

  2. Reflecting variable opening insulating panel

    International Nuclear Information System (INIS)

    Nungesser, W.T.

    1976-01-01

    A description is given of a reflecting variable opening insulating panel assembly, comprising a static panel assembly of reflecting insulation sheets forming a cavity along one side of the panel and a movable panel opening out by sliding from the cavity of the static panel, and a locking device for holding the movable panel in a position extending from the cavity of the static panel. This can apply to a nuclear reactor of which the base might require maintenance and periodical checking and for which it is desirable to have available certain processes for the partial dismantling of the insulation [fr

  3. 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.

  4. 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

  5. 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.

  6. Saving gas project

    Energy Technology Data Exchange (ETDEWEB)

    Vasques, Maria Anunciacao S. [PETROBRAS S.A., Rio de Janeiro, RJ (Brazil); Garantizado, Maria Auxiliadora G. [CONCREMAT Engenharia, Rio de Janeiro, RJ (Brazil)

    2009-12-19

    The work presented was implemented in municipalities around the construction of the pipeline project Urucu-Coari-Manaus, the Engineering / IETEG-IENOR, because of the constant release of workers, consequently the finishing stages of this work and its future completion. The Project aims to guide saving gas with the workforce, their families and communities to the enterprise of small business cooperatives and solidarity within the potential of the site. This project is developed through the workshops: entrepreneur ship, tourism, use, reuse and recycling of products, and hortifruiti culture, agroecology, agribusiness (cooperativism solidarity) and forestry. Its execution took place in two phases, the first called 'pilot' of 12/12/2007 to 27/03/2008 in sections A and B1, in the municipality of Coari stretch and B2 in Caapiranga. The second phase occurred from 30/06 to 27/09/08, in the words B1, in the municipalities of Codajas and Anori words and B2 in Iranduba, Manacapuru and Anama. The workshops were held in state and municipal schools and administered by the Institute of Social and Environmental Amazon - ISAM, which had a team of coordinators, teachers, experts and masters of the time until the nineteen twenty-two hours to implement the project. (author)

  7. Save energy, without entropy

    International Nuclear Information System (INIS)

    Steinmeyer, D.

    1992-01-01

    When we talk about saving energy what we usually mean is not wasting work. What we try to do when we design a process, is to use work as effectively as possible. It's hard to do that if we can't see it clearly. This paper illustrates how work can be seen (or calculated) without imposing entropy as a screen in front of it. We've all heard that the second law tells us that the entropy of the universe is increasing, and we are left with the feeling that the universe is ultimately headed for chaos, but receive little other information from this statement. A slightly more useful statement of the second law is the work potential of the universe is decreasing. However, this statement carries a needlessly negative ring. A simplified definition of the second law is: It takes work to change things. With these two corollaries: We can calculate the theoretical minimum work needed for a given change; and We can express the value of all changes in terms of work

  8. 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...

  9. 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...

  10. 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...

  11. 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...

  12. Saving-Based Asset Pricing

    DEFF Research Database (Denmark)

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

    2013-01-01

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

  13. Molecular dewetting on insulators

    International Nuclear Information System (INIS)

    Burke, S A; Topple, J M; Gruetter, P

    2009-01-01

    Recent attention given to the growth and morphology of organic thin films with regard to organic electronics has led to the observation of dewetting (a transition from layer(s) to islands) of molecular deposits in many of these systems. Dewetting is a much studied phenomenon in the formation of polymer and liquid films, but its observation in thin films of the 'small' molecules typical of organic electronics requires additional consideration of the structure of the interface between the molecular film and the substrate. This review covers some key concepts related to dewetting and molecular film growth. In particular, the origins of different growth modes and the thickness dependent interactions which give rise to dewetting are discussed in terms of surface energies and the disjoining pressure. Characteristics of molecular systems which may lead to these conditions, including the formation of metastable interface structures and commensurate-incommensurate phase transitions, are also discussed. Brief descriptions of some experimental techniques which have been used to study molecular dewetting are given as well. Examples of molecule-on-insulator systems which undergo dewetting are described in some detail, specifically perylene derivatives on alkali halides, C 60 on alkali halides, and the technologically important system of pentacene on SiO 2 . These examples point to some possible predicting factors for the occurrence of dewetting, most importantly the formation of an interface layer which differs from the bulk crystal structure. (topical review)

  14. Molecular dewetting on insulators.

    Science.gov (United States)

    Burke, S A; Topple, J M; Grütter, P

    2009-10-21

    Recent attention given to the growth and morphology of organic thin films with regard to organic electronics has led to the observation of dewetting (a transition from layer(s) to islands) of molecular deposits in many of these systems. Dewetting is a much studied phenomenon in the formation of polymer and liquid films, but its observation in thin films of the 'small' molecules typical of organic electronics requires additional consideration of the structure of the interface between the molecular film and the substrate. This review covers some key concepts related to dewetting and molecular film growth. In particular, the origins of different growth modes and the thickness dependent interactions which give rise to dewetting are discussed in terms of surface energies and the disjoining pressure. Characteristics of molecular systems which may lead to these conditions, including the formation of metastable interface structures and commensurate-incommensurate phase transitions, are also discussed. Brief descriptions of some experimental techniques which have been used to study molecular dewetting are given as well. Examples of molecule-on-insulator systems which undergo dewetting are described in some detail, specifically perylene derivatives on alkali halides, C(60) on alkali halides, and the technologically important system of pentacene on SiO(2). These examples point to some possible predicting factors for the occurrence of dewetting, most importantly the formation of an interface layer which differs from the bulk crystal structure.

  15. Insulating fcc YH

    International Nuclear Information System (INIS)

    Molen, S. J. van der; Nagengast, D. G.; Gogh, A. T. M. van; Kalkman, J.; Kooij, E. S.; Rector, J. H.; Griessen, R.

    2001-01-01

    We study the structural, optical, and electrical properties of Mg z Y 1-z switchable mirrors upon hydrogenation. It is found that the alloys disproportionate into essentially pure YH 3-δ and MgH 2 with the crystal structure of YH 3-δ dependent on the Mg concentration z. For 0 3-δ are observed, whereas for z≥0.1 only cubic YH 3-δ is present. Interestingly, cubic YH 3-δ is expanded compared to YH 2 , in disagreement with theoretical predictions. From optical and electrical measurements we conclude that cubic YH 3-δ is a transparent insulator with properties similar to hexagonal YH 3-δ . Our results are inconsistent with calculations predicting fcc YH 3-δ to be metallic, but they are in good agreement with recent GW calculations on both hcp and fcc YH 3 . Finally, we find an increase in the effective band gap of the hydrided Mg z Y 1-z alloys with increasing z. Possibly this is due to quantum confinement effects in the small YH 3 clusters

  16. 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.

  17. Topological Insulator Nanowires and Nanoribbons

    KAUST Repository

    Kong, Desheng; Randel, Jason C.; Peng, Hailin; Cha, Judy J.; Meister, Stefan; Lai, Keji; Chen, Yulin; Shen, Zhi-Xun; Manoharan, Hari C.; Cui, Yi

    2010-01-01

    Recent theoretical calculations and photoemission spectroscopy measurements on the bulk Bi2Se3 material show that it is a three-dimensional topological insulator possessing conductive surface states with nondegenerate spins, attractive

  18. Measure Guideline: Basement Insulation Basics

    Energy Technology Data Exchange (ETDEWEB)

    Aldrich, R.; Mantha, P.; Puttagunta, S.

    2012-10-01

    This guideline is intended to describe good practices for insulating basements in new and existing homes, and is intended to be a practical resources for building contractors, designers, and also to homeowners.

  19. Metal-insulator-semiconductor photodetectors.

    Science.gov (United States)

    Lin, Chu-Hsuan; Liu, Chee Wee

    2010-01-01

    The major radiation of the sun can be roughly divided into three regions: ultraviolet, visible, and infrared light. Detection in these three regions is important to human beings. The metal-insulator-semiconductor photodetector, with a simpler process than the pn-junction photodetector and a lower dark current than the MSM photodetector, has been developed for light detection in these three regions. Ideal UV photodetectors with high UV-to-visible rejection ratio could be demonstrated with III-V metal-insulator-semiconductor UV photodetectors. The visible-light detection and near-infrared optical communications have been implemented with Si and Ge metal-insulator-semiconductor photodetectors. For mid- and long-wavelength infrared detection, metal-insulator-semiconductor SiGe/Si quantum dot infrared photodetectors have been developed, and the detection spectrum covers atmospheric transmission windows.

  20. Metal-Insulator-Semiconductor Photodetectors

    Directory of Open Access Journals (Sweden)

    Chu-Hsuan Lin

    2010-09-01

    Full Text Available The major radiation of the Sun can be roughly divided into three regions: ultraviolet, visible, and infrared light. Detection in these three regions is important to human beings. The metal-insulator-semiconductor photodetector, with a simpler process than the pn-junction photodetector and a lower dark current than the MSM photodetector, has been developed for light detection in these three regions. Ideal UV photodetectors with high UV-to-visible rejection ratio could be demonstrated with III-V metal-insulator-semiconductor UV photodetectors. The visible-light detection and near-infrared optical communications have been implemented with Si and Ge metal-insulator-semiconductor photodetectors. For mid- and long-wavelength infrared detection, metal-insulator-semiconductor SiGe/Si quantum dot infrared photodetectors have been developed, and the detection spectrum covers atmospheric transmission windows.