WorldWideScience

Sample records for mortgage assistance relief

  1. 75 FR 10707 - MORTGAGE ASSISTANCE RELIEF SERVICES

    Science.gov (United States)

    2010-03-09

    ... offer ``forensic audits,'' purported reviews of mortgage loans to determine lender and servicer.... filed Apr. 3, 2009); California Dep't of Real Estate, Consumer Alert 6 (warning consumers of ``forensic... defendants falsely claim to have attorneys or forensic accountants on staff); FTC v. Loan Modification Shop...

  2. 75 FR 75091 - Mortgage Assistance Relief Services

    Science.gov (United States)

    2010-12-01

    ... happening for a number of reasons. First, MARS have been advertised and marketed widely in mass media and... ; Stephanie Armour, Home Foreclosure Rates Posts First Annual Decline in Five Years, USA Today (May 13, 2010... demand to work for loan modification companies. One MARS advertised for consultants with mortgage and...

  3. An Analysis of the Neighborhood Impacts of a Mortgage Assistance Program: A Spatial Hedonic Model

    Science.gov (United States)

    Di, Wenhua; Ma, Jielai; Murdoch, James C.

    2010-01-01

    Down payment or closing cost assistance is an effective program in addressing the wealth constraints of low-and moderate-income homebuyers. However, the spillover effect of such programs on the neighborhood is unknown. This paper estimates the impact of the City of Dallas Mortgage Assistance Program (MAP) on nearby home values using a hedonic…

  4. 24 CFR 235.1214 - Mortgage lien.

    Science.gov (United States)

    2010-04-01

    ...: Contract Rights and Obligations; Assistance Payments Contracts; Servicing Responsibilities-Refinancing... unpaid obligations contracted in connection with the mortgage transaction or the purchase of the mortgaged property, except obligations that are secured by property or collateral owned by the mortgagor...

  5. A primer on the mortgage market and mortgage finance

    OpenAIRE

    Daniel J. McDonald; Daniel L. Thornton

    2008-01-01

    This article is a primer on mortgage finance. It discusses the basics of the mortgage market and mortgage finance. In so doing, it provides useful information that can aid individuals in making better mortgage finance decisions. The discussion and the tools are presented within the context of mortgage finance; however, these same principles and tools can be applied to a wide range of financial decisions.

  6. Mortgage Default Risk

    DEFF Research Database (Denmark)

    Chauvet, Marcelle; Gabriel, Stuart; Lutz, Chandler

    2016-01-01

    We use Google search query data to develop a broad-based and real-time index of mortgage default risk. Unlike established indicators, our Mortgage Default Risk Index (MDRI) directly reflects households’concerns regarding their risk of mortgage default. The MDRI predicts housing returns, mortgage ...... delinquency indicators, and subprime credit default swaps. These results persist both in- and out-of-sample and at multiple data frequencies. Together, research findings suggest internet search queries yield valuable new insights into household mortgage default risk....

  7. The National Housing Fund, Mortgage Finance and Capital Formation in Nigeria

    Directory of Open Access Journals (Sweden)

    ADETILOYE Kehinde Adekunle

    2013-07-01

    Full Text Available Mortgage financing is one of the ways by which housing stocks are added and capital formation takes place in an economy. This paper examined the impact of the National Housing Fund (NHF, a government agency, in the process of capital formation in Nigeria. The paper adopted some key variables among which are capital formation, lending rate and capital expenditure and the various aspects of mortgage loans in the economy. The paper employed the Two Stage Least Square (2SLS techniques to measure the impact of the various units. It discovers that the mortgage loan generally is significant and insurance companies advances for mortgage is also significant while the National Housing Fund (NHF is not significant. This is however due to many problems bedevilling the Fund. The paper recommends among others, the deepening of the mortgage finance market, further assistance to the help to the National Housing Fund and while the government incentivises the firms involved in lending on mortgage fiscally to improve performance and capital stocks in the economy.

  8. RESIDENTIAL MORTGAGE IN MODERN RUSSIA

    Directory of Open Access Journals (Sweden)

    Dementiev N. P.

    2015-03-01

    Full Text Available The article presents a comparative analysis of residential mortgages in Russia and the United States. The primary ways of mortgage refinancing are outlined. Predominance of the elements of two-level refinancing system of residential mortgage in Russia and the United States is shown. The activity of the Agency for Housing Mortgage Lending (AHML, the basic tool of the Russian government’s mortgage policy, is described in detail. In its objectives and functions the AHML is similar to the American mortgage agencies Ginnie Mae, Fannie Mae and Freddie Mac. Similarities were identified in the Russian and US residential mortgages in the pre-crisis period (high rates of mortgage growth, favourable economic conjuncture, low interest rates, large increase in house prices, speculative housing demand. During the mortgage crisis, the policies of the Russian and US governments and monetary authorities had also much in common (monetary policy easing, cheap central banks loans, extended facilities of mortgage refinancing on the part of state agencies, mortgage rescue scheme, social mortgage programs. But the scope of mortgage in Russia is enormously narrow as compared to the US mortgage. The most important reason for that - low incomes of the Russian population.

  9. Location mortgage in accounting objects

    Directory of Open Access Journals (Sweden)

    I.M. Vygiska

    2015-12-01

    Full Text Available The article analyzes the mechanism of the implementation of all kinds of mortgage (mortgage, pledge, mortgage of securities, security of property rights, the mortgage of goods in circulation or processing, tax lien defined the specificity of receipt/return of the mortgage, particularly payments between mortgagor and the mortgagee. Determine the subject property entities that can act as mortgage; identified by their place in the system of objects of accounting mortgagor and the mortgagee. The peculiarities of the balance sheet and off-balance sheet assets as a reflection of your collateral. Identified two groups of mortgage transactions: transactions with mortgage for its receipt and transmission; business transactions related to the conditions of loan agreements (loan and mortgage. The results are shown in the research paper proposals allow for further research to develop mortgage organizational and methodological support the operations accounting for the effective management of financial resources and obligations, collateralised.

  10. Numerical ability predicts mortgage default.

    Science.gov (United States)

    Gerardi, Kristopher; Goette, Lorenz; Meier, Stephan

    2013-07-09

    Unprecedented levels of US subprime mortgage defaults precipitated a severe global financial crisis in late 2008, plunging much of the industrialized world into a deep recession. However, the fundamental reasons for why US mortgages defaulted at such spectacular rates remain largely unknown. This paper presents empirical evidence showing that the ability to perform basic mathematical calculations is negatively associated with the propensity to default on one's mortgage. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out loans in 2006 and 2007, and match them to objective, detailed administrative data on mortgage characteristics and payment histories. The relationship between numerical ability and mortgage default is robust to controlling for a broad set of sociodemographic variables, and is not driven by other aspects of cognitive ability. We find no support for the hypothesis that numerical ability impacts mortgage outcomes through the choice of the mortgage contract. Rather, our results suggest that individuals with limited numerical ability default on their mortgage due to behavior unrelated to the initial choice of their mortgage.

  11. Numerical ability predicts mortgage default

    Science.gov (United States)

    Gerardi, Kristopher; Goette, Lorenz; Meier, Stephan

    2013-01-01

    Unprecedented levels of US subprime mortgage defaults precipitated a severe global financial crisis in late 2008, plunging much of the industrialized world into a deep recession. However, the fundamental reasons for why US mortgages defaulted at such spectacular rates remain largely unknown. This paper presents empirical evidence showing that the ability to perform basic mathematical calculations is negatively associated with the propensity to default on one’s mortgage. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out loans in 2006 and 2007, and match them to objective, detailed administrative data on mortgage characteristics and payment histories. The relationship between numerical ability and mortgage default is robust to controlling for a broad set of sociodemographic variables, and is not driven by other aspects of cognitive ability. We find no support for the hypothesis that numerical ability impacts mortgage outcomes through the choice of the mortgage contract. Rather, our results suggest that individuals with limited numerical ability default on their mortgage due to behavior unrelated to the initial choice of their mortgage. PMID:23798401

  12. Fertility and Symptom Relief following Robot-Assisted Laparoscopic Myomectomy

    Directory of Open Access Journals (Sweden)

    Michael C. Pitter

    2015-01-01

    Full Text Available Objective. To examine success of robot-assisted laparoscopic myomectomy (RALM measured by sustained symptom relief and fertility. Methods. This is a retrospective survey of 426 women who underwent RALM for fibroids, symptom relief, or infertility at three practice sites across the US. We examined rates of symptom recurrence and pregnancy and factors associated with these outcomes. Results. Overall, 70% of women reported being symptom-free, with 62.9% free of symptoms after three years. At >3 years, 66.7% of women who underwent surgery to treat infertility and 80% who were also symptom-free reported achieving pregnancy. Factors independently associated with symptom recurrence included greater time after surgery, preoperative dyspareunia, multiple fibroid surgeries, smoking after surgery, and preexisting diabetes. Factors positively correlated with achieving pregnancy included desiring pregnancy, prior pregnancy, greater time since surgery, and Caucasian race. Factors negatively correlated with pregnancy were advanced age and symptom recurrence. Conclusions. This paper, the first to examine symptom recurrence after RALM, demonstrates both short- and long-term effectiveness in providing symptom relief. Furthermore, RALM may have the potential to improve the chance of conception, even in a population at high risk of subfertility, with greater benefits among those who remain symptom-free. These findings require prospective validation.

  13. ENFORCEMENT OF MORTGAGE CONTRACT

    Directory of Open Access Journals (Sweden)

    Alisa A. BELU

    2016-07-01

    Full Text Available A chattel mortgage contract is the expression of a real guarantee that gives the creditor precedence over other creditors, in addition to the general pledge upon the belongings of the debtor. It refers to the sale of mortgaged movable assets, exclusively or prioritized in favor of the mortgaging creditor, in case the debtor does not comply with his / her commitments, under the signed mortgage contract. Beginning from this purpose, shared by both sides (as the chattel mortgage contract is synallagmatic, in case the debtor is unable to fulfill his / her commitments, the sides reach a situation of enforcement of the signed chattel mortgage contract. Given the legal status of the chattel mortgage contract [Art. 2387-2477 Noul Cod Civil , Universul Juridic, Bucureşti, 2016, ISBN 978-606-673-792-0], the principle of binding force of the contract and the principle according to which signed legal conventions will entail legal effects, the Romanian law maker developed the proper legal framework for the enforcement of the chattel mortgage contract. [art. 622 si urm. Noul Cod de Procedură Civilă, ed. Hamangiu, Bucureşti, 2016, ISBN 978-606-27-0459-9].

  14. 24 CFR 4001.203 - Calculation of upfront and annual mortgage insurance premiums for Program mortgages.

    Science.gov (United States)

    2010-04-01

    ... mortgage insurance premiums for Program mortgages. 4001.203 Section 4001.203 Housing and Urban Development... HOMEOWNERS PROGRAM HOPE FOR HOMEOWNERS PROGRAM Rights and Obligations Under the Contract of Insurance § 4001.203 Calculation of upfront and annual mortgage insurance premiums for Program mortgages. (a...

  15. Portfolio Optimization and Mortgage Choice

    Directory of Open Access Journals (Sweden)

    Maj-Britt Nordfang

    2017-01-01

    Full Text Available This paper studies the optimal mortgage choice of an investor in a simple bond market with a stochastic interest rate and access to term life insurance. The study is based on advances in stochastic control theory, which provides analytical solutions to portfolio problems with a stochastic interest rate. We derive the optimal portfolio of a mortgagor in a simple framework and formulate stylized versions of mortgage products offered in the market today. This allows us to analyze the optimal investment strategy in terms of optimal mortgage choice. We conclude that certain extreme investors optimally choose either a traditional fixed rate mortgage or an adjustable rate mortgage, while investors with moderate risk aversion and income prefer a mix of the two. By matching specific investor characteristics to existing mortgage products, our study provides a better understanding of the complex and yet restricted mortgage choice faced by many household investors. In addition, the simple analytical framework enables a detailed analysis of how changes to market, income and preference parameters affect the optimal mortgage choice.

  16. 17 CFR 210.12-23 - Mortgage loans on real estate and interest earned on mortgages. 1

    Science.gov (United States)

    2010-04-01

    ... each of the above classes of mortgage loans the average gross rate of interest on mortgage loans held... mortgages sold Amortization of premium Other (describe) Balance at close of period $ If additions represent... item of mortgage loans on real estate investments has been written down or reserved against pursuant to...

  17. Accounting mortgage transactions: directions of improvement

    Directory of Open Access Journals (Sweden)

    I.M. Vygivska

    2016-12-01

    Full Text Available Fragmentation methods of accounting of contractual obligations secured by mortgage, discussion questions evaluating the object of mortgage at the stage of conclusion of loan agreements (credit and the probability of default and foreclosure with the mortgagor necessitated a comprehensive research and development of methodical maintenance of accounting mortgage transactions in subjects of its implementation (the mortgagor and mortgagee, including the improvement of the order of accounting reflection operations with a mortgage of property rights, hypothec, «solid mortgage», mortgage securities, the mortgage of goods in circulation or processing. The article also provides the procedure of evaluating the object of mortgage at default of the mortgagor conditions of the contract taking into account its depreciation (physical and moral deterioration during the loan repayment period; the author specifies the procedure for recording of transactions related to the sale of such objects as the basis for providing contractual management process obligations of the debtor with relevant information.

  18. 24 CFR 257.203 - Calculation of up-front and annual mortgage insurance premiums for H4H program mortgages.

    Science.gov (United States)

    2010-04-01

    ... mortgage insurance premiums for H4H program mortgages. 257.203 Section 257.203 Housing and Urban... mortgage insurance premiums for H4H program mortgages. (a) Applicable premiums. Any mortgage presented for... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOPE FOR HOMEOWNERS PROGRAM...

  19. Terminated Multifamily Mortgages Database

    Data.gov (United States)

    Department of Housing and Urban Development — This dataset includes all terminated HUD Multifamily mortgages except those from the Hospital Mortgage Insurance Program. It includes the Holder and Servicer at the...

  20. Safe and Liquid Mortgage Bonds

    DEFF Research Database (Denmark)

    Dick-Nielsen, Jens; Gyntelberg, Jacob; Lund, Jesper

    This paper shows that strict match pass-through funding of covered bonds provides safe and liquid mortgage bonds. Despite a 30% drop in house prices during the 2008 global crisis Danish mortgage bonds remained as liquid as most European government bonds. The Danish pass-through system effectively...... eliminates credit risk from the investor's perspective. Similar to other safe bonds, funding liquidity becomes the main driver of mortgage bond liquidity and this creates commonality in liquidity across markets and countries. These findings have implications for how to design a robust mortgage bond system...

  1. Mortgage Finance in Denmark

    DEFF Research Database (Denmark)

    2011-01-01

    A brief introduction to the Danish mortgage system and some of the challenges and possibilities within this framework.......A brief introduction to the Danish mortgage system and some of the challenges and possibilities within this framework....

  2. 24 CFR 203.18c - One-time or up-front mortgage insurance premium excluded from limitations on maximum mortgage...

    Science.gov (United States)

    2010-04-01

    ... insurance premium excluded from limitations on maximum mortgage amounts. 203.18c Section 203.18c Housing and...-front mortgage insurance premium excluded from limitations on maximum mortgage amounts. After... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE...

  3. Mortgage Debt and Wages

    DEFF Research Database (Denmark)

    Wood, James

    2017-01-01

    Different approaches to mortgage debt may impact wages, how homeowners engage with employers and welfare services, and economic growth.......Different approaches to mortgage debt may impact wages, how homeowners engage with employers and welfare services, and economic growth....

  4. Mortgage market regulation: Europe

    NARCIS (Netherlands)

    Aalbers, M.B.; Smith, S.J.

    2012-01-01

    Despite several European Union (EU) initiatives, there is only limited pan-European mortgage market regulation. The EU strategy can be characterised as one of parallel liberalisation and consolidation. This article highlights the key differences in regulation among European mortgage markets.

  5. 24 CFR 221.254 - Mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premiums. 221... Cost Homes § 221.254 Mortgage insurance premiums. (a) All of the provisions of §§ 203.260 through 203.295 of this chapter relating to mortgage insurance premiums shall apply to mortgages insured under...

  6. 75 FR 56858 - Improvements to the Supplemental Security Income Program-Heroes Earnings Assistance and Relief...

    Science.gov (United States)

    2010-09-17

    ... number, 1-800-772-1213, or TTY 1-800-325-0778, or visit our Internet site, Social Security Online, at... SOCIAL SECURITY ADMINISTRATION 20 CFR Part 416 [Docket No. SSA-2009-0017] RIN 0960-AH00 Improvements to the Supplemental Security Income Program--Heroes Earnings Assistance and Relief Tax Act of 2008...

  7. The globalization and Europeanization of mortgage markets

    NARCIS (Netherlands)

    Aalbers, M.B.

    2009-01-01

    Do globalization and Europeanization lead to the deterritorialization of European mortgage markets? Neither economic globalization nor EU policies have resulted in one European mortgage market. The various European mortgage markets are still quite different from one another in many respects. In most

  8. Humanitarian assistance and disaster relief: changing the face of defense.

    Science.gov (United States)

    Laraby, Patrick R; Bourdeaux, Margaret; Casscells, S Ward; Smith, David J; Lawry, Lynn

    2009-01-01

    The US Department of Defense (DOD) is evolving to meet new security challenges in the twenty-first century. Today's challenges result from growing political, environmental, and economic instability in important areas of the globe that threaten national and global security. Immediate outreach to foreign nations in times of violent instability or natural disaster fosters security and stability both for the affected country and for the United States. Foreign humanitarian assistance (FHA) is a rapidly evolving military mission that addresses conflict prevention, conflict, postconflict, and natural disasters. With DOD's extensive global medical resources, it is often uniquely qualified to execute a critical role in relief and/or public health efforts. When and how the American military will act in FHA and disaster relief is a still evolving doctrine with three issues deserving particular attention: aligning operations with host government leadership, preserving humanitarian space, and tailoring the US military's unique resources to the specific political and medical situation at hand. The DOD's response to a large-scale earthquake in Peru suggests useful approaches to these three issues, provides a template for future FHA mission, and points to strategic decisions and operational capabilities that need further development to establish the FHA mission firmly within DOD's repertoire of security engagement activities.

  9. How to Manage the Mortgage Credit Risk in Turkey? Can Dual-indexed Mortgages be a Remedy?

    OpenAIRE

    Ali Alp; M. Mete Doganay

    2009-01-01

    A market-oriented housing finance system has been under discussion in Turkey recently. In this article we analyze different types of mortgages that have been used in developed and developing countries to select the one that is most appropriate for Turkey-one which minimizes risks for both lenders and borrowers. Each type of mortgage presents different risks to borrowers and lenders. After taking into consideration the economic history of Turkey, we conclude that the most appropriate mortgage ...

  10. 78 FR 45945 - 60-Day Notice of Proposed Information Collection: Contractor's Requisition-Project Mortgages

    Science.gov (United States)

    2013-07-30

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5687-N-34] 60-Day Notice of Proposed Information Collection: Contractor's Requisition--Project Mortgages AGENCY: Office of the Assistant Secretary... Section A. A. Overview of Information Collection Title of Information Collection: Contractor's Requisition...

  11. 24 CFR 203.255 - Insurance of mortgage.

    Science.gov (United States)

    2010-04-01

    ... Mortgage Scorecard is used by the mortgagee, and the TOTAL Mortgage Scorecard has determined that the application represents an acceptable risk under terms and conditions agreed to by the FHA, a Direct... also applicable to the use of the TOTAL Mortgage Scorecard: (i) Mortgagees and vendors must certify to...

  12. 24 CFR 241.1030 - Mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premiums. 241... Loans-Eligibility Requirements § 241.1030 Mortgage insurance premiums. The lender, upon endorsement of the note, shall pay the Commissioner a first mortgage insurance premium equal to 0.5 percent of the...

  13. ANALYSIS OF MORTGAGE LENDING IN BANKS IN UKRAINE

    Directory of Open Access Journals (Sweden)

    Violetta Kharabara

    2017-11-01

    Full Text Available The purpose is a mortgage market that occupies one of the major places among the financial mechanisms of economic stimulation and stable development of the economy. The mortgage market occupies one of the main places of financial mechanisms and economic incentives for the sustainable economic development. Mortgage lending covers the provision of long-term bank loans for the purchase, construction of residential real estate, as well as for repairs or to develop their own small businesses, where the collateral for such loans is real estate. Distinctive features of mortgages include: mortgages, like any collateral, in fact, is a way to ensure proper implementation of the other (main liabilities – loan or credit agreement, lease, contract, compensation, etc.; the subject of a mortgage is always real estate. Real estate includes land plots and everything that is firmly associated with them: buildings, perennial plants, etc.; mortgaged property remains in the possession of the debtor; the agreement between the creditor and the debtor on the establishment of a mortgage is formalized by a special document – the mortgage, which is also subject to state registration. The mortgage crediting is the method of accumulation of financial resources, effective instrument of bank activity, and an important factor in economic development of the country on the whole. Research results are market of the real estate and financial services development, to the revival of fund market, here the mortgage crediting is capable not only of activating reforms in industries of the economy but also gradually providing the decision of housing problems of the population. Practical consequences consist in the solution of problems that are related to the market for mortgage services of Ukraine’s development from 2006 to 2016. Value/originality. Analysis of the mortgage market in Ukraine shows that in recent years, its scope, dynamics, and trends do not meet the needs of either

  14. 24 CFR 203.32 - Mortgage lien.

    Science.gov (United States)

    2010-04-01

    ... obligations contracted in connection with the mortgage transaction or the purchase of the mortgaged property, except obligations that are secured by property or collateral owned by the mortgagor independently of the...

  15. 24 CFR 266.415 - Mortgage lien and other obligations.

    Science.gov (United States)

    2010-04-01

    ... determine, that all contractual obligations in connection with the mortgage transaction, including the... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage lien and other obligations... Mortgage and Closing Requirements; HUD Endorsement § 266.415 Mortgage lien and other obligations. (a) Liens...

  16. 24 CFR 266.602 - Mortgage insurance premium: Insured advances.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured.... On each anniversary of the initial closing, the HFA shall pay an interim mortgage insurance premium...

  17. Residential Mortgage Market in Economic and Social Development of Ukraine

    Directory of Open Access Journals (Sweden)

    Onysko Stefaniia M.

    2014-02-01

    Full Text Available The article studies tendencies of development of the residential mortgage market in Ukraine in the post-crisis period 2009 – 2012, identifies main tendencies of development of the Ukrainian mortgage market and conducts analysis of the level of mortgage interest rates. The article analyses the modern state of the mortgage market of Ukraine, dynamics of volumes of mortgage loans, their cost, structure of banks as mortgage creditors and cost of housing in Ukraine in the studied period. The article makes a number of offers on efficiency of mortgage, offers directions of financial support of rehabilitation of the market for solving housing problems of the population and identifies importance of state support of mortgage development.

  18. 24 CFR 266.604 - Mortgage insurance premium: Other requirements.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Other... Contract Rights and Obligations Mortgage Insurance Premiums § 266.604 Mortgage insurance premium: Other..., based upon the respective share of risk, that is to be used in calculating mortgage insurance premiums...

  19. Pricing Shared Appreciation Mortgages

    OpenAIRE

    Zhong, Yina

    2006-01-01

    This paper develops a model for the valuation of shared appreciation mortgage (SAM) and examines the effect of reduction in interest rate on the mortgage duration and share of property appreciation lender charges. The recent rise in SAM availability, as a result of some secondary market financial support and prerequisite standardization, motivates a more careful consideration of the underlying SAM value. The primary difference between the SAM model and the model for general traditional mor...

  20. Fracking and mortgage default

    OpenAIRE

    Cunningham, Christopher R.; Gerardi, Kristopher; Shen, Yannan

    2017-01-01

    This paper finds that increased hydraulic fracturing, or "fracking", along the Marcellus Formation in Pennsylvania had a significant, negative effect on mortgage credit risk. Controlling for potential endogeneity bias by utilizing the underlying geologic properties of the land as instrumental variables for fracking activity, we find that mortgages originated before the 2007 boom in shale gas, were, post-boom, significantly less likely to default in areas with greater drilling activity. The we...

  1. 77 FR 26698 - Allocation of Mortgage Insurance Premiums

    Science.gov (United States)

    2012-05-07

    ... Allocation of Mortgage Insurance Premiums AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final... explain how to allocate prepaid qualified mortgage insurance premiums to determine the amount of the... Act of 2010. The regulations affect taxpayers who pay prepaid qualified mortgage insurance premiums...

  2. Green mortgages in the Netherlands

    International Nuclear Information System (INIS)

    Bosch, N.

    1997-01-01

    Since November 1996 sustainable building of houses is also part of the fiscal Regulation for Green Projects (i.e. the stimulation of environment-friendly investments). The extension of that financial regulation resulted in a new product: Green Mortgages. The conditions that have to be met to be qualified for a Green Mortgage are briefly outlined

  3. Optimal Mortgage Refinancing: A Closed Form Solution.

    Science.gov (United States)

    Agarwal, Sumit; Driscoll, John C; Laibson, David I

    2013-06-01

    We derive the first closed-form optimal refinancing rule: Refinance when the current mortgage interest rate falls below the original rate by at least [Formula: see text] In this formula W (.) is the Lambert W -function, [Formula: see text] ρ is the real discount rate, λ is the expected real rate of exogenous mortgage repayment, σ is the standard deviation of the mortgage rate, κ/M is the ratio of the tax-adjusted refinancing cost and the remaining mortgage value, and τ is the marginal tax rate. This expression is derived by solving a tractable class of refinancing problems. Our quantitative results closely match those reported by researchers using numerical methods.

  4. 76 FR 6185 - Registration of Mortgage Loan Originators

    Science.gov (United States)

    2011-02-03

    ... UNION ADMINISTRATION Registration of Mortgage Loan Originators AGENCY: Office of the Comptroller of the..., Agency-regulated institutions) who act as a residential mortgage loan originator to register with the... registration system for mortgage loan originators. Specifically, the Act requires: (1) All States to provide...

  5. Petroleum industry assists hurricane relief

    International Nuclear Information System (INIS)

    Anon.

    1992-01-01

    This paper reports that the petroleum industry is aiding victims of last month's Hurricane Andrew with cash, clothing, food, water, and other supplies. Cash contributions announced as of last week totaled more than $2.7 million for distribution in South Florida and South Louisiana. Petroleum industry employees were collecting relief items such as bottled water and diapers for distribution in those areas

  6. 76 FR 78130 - Mortgage Acts and Practices-Advertising (Regulation N); Mortgage Assistance Relief Services...

    Science.gov (United States)

    2011-12-16

    ..., book insert, free standing insert, letter, catalogue, poster, chart, billboard, public transit card... Bureau of Consumer Financial Protection's intention that the remaining provisions shall continue in..., newspaper, magazine, pamphlet, leaflet, circular, mailer, book insert, free standing insert, letter...

  7. 24 CFR 221.256 - Interest rate increase and payment of mortgage insurance premiums on mortgages under § 221.60 and...

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Interest rate increase and payment... Interest rate increase and payment of mortgage insurance premiums on mortgages under § 221.60 and § 221.65... continuation of a below market interest rate, interest on such mortgage shall be computed by the mortgagee at...

  8. 7 CFR 1718.52 - Existing mortgages.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Existing mortgages. 1718.52 Section 1718.52 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Mortgage for Distribution Borrowers § 1718.52...

  9. Experienced discrimination in home mortgage lending

    DEFF Research Database (Denmark)

    Secchi, Davide; Seri, Raffaello

    2017-01-01

    This article proposes a framework for the analysis of experienced discrimination in home mortgages. It addresses the problem of home mortgage lending discrimination in one of the richest areas of northern Italy. Employees of a local hospital were interviewed to study their perception (or experien...

  10. Commercial mortgages: An underutilized channel for scaling energy efficiency investments?

    Energy Technology Data Exchange (ETDEWEB)

    Mathew, Paul; Wallace, Nancy; Alschuler, Elena; Kolstad, Leonard

    2016-02-01

    Commercial mortgages currently do not fully account for energy factors in underwriting and valuation, particularly as it relates to the impact of energy costs and volatility on an owner’s net operating income. As a consequence, energy efficiency is not properly valued and energy risks are not properly assessed and mitigated. Commercial mortgages are a large lever and could be a significant channel for scaling energy efficiency investments. A pilot analysis of loans with different mortgage contract structures and locations showed that when energy cost volatility was included in mortgage valuation, a 20% reduction in energy use resulted in a 1.3% average increase in mortgage value. This suggests that the explicit inclusion of energy use and volatility in mortgage valuation can send a strong price signal that financially rewards and values energy efficiency in commercial properties. This paper presents findings from a scoping study addressing energy factors in commercial mortgages. First, we present a review of current practices as it relates to incorporating energy factors into commercial mortgage underwriting and valuation. Next, we detail the impacts of energy factors on property values, net operating income and mortgage valuation. Building operational practices alone can result in energy use variations from -17% to 87%. Finally, we present a set of proposed interventions to properly address energy factors in commercial mortgages, based on extensive discussions with stakeholders including mortgage originators, underwriters, building owners and regulators.

  11. 78 FR 70856 - Information Reporting of Mortgage Insurance Premiums

    Science.gov (United States)

    2013-11-27

    ... Information Reporting of Mortgage Insurance Premiums AGENCY: Internal Revenue Service (IRS), Treasury. ACTION... regulations that require information reporting by persons who receive mortgage insurance premiums, including... reporting requirements that result from the extension of the treatment of mortgage insurance premiums made...

  12. On Security of Collateral in Danish Mortgage Finance

    DEFF Research Database (Denmark)

    Haldrup, Karin

    2017-01-01

    on the balance principle that assigns risks and responsibility to market players in a self-disciplinary manner and protected the mortgage banks against cash flow mismatches even during deep crisis, as history attests. It is shown how property registers and effective enforcement have created transparent property......Specialized mortgage intermediaries in Denmark have for over two hundred years provided owners and buyers of real property wide access to credit. The present paper sets out to explore the safeguards that nurtured development of a robust, market based financing system and a deep mortgage market....... Observations are made on the nature of collateral performance in respect to property rights, mortgage law and market development in search of general features of required institutional arrangements. The robustness of the Danish mortgage finance system is largely accredited to the securitization model based...

  13. Analysis of increasing trend of mortgage volume in the Czech Republic

    Directory of Open Access Journals (Sweden)

    Petra Střelcová

    2009-01-01

    Full Text Available The aim of this paper is an empirical analysis of mortgage volume in the Czech Republic and factors identification of the increasing trend of the mortgage volume in the period from 2001 to 2007. Firstly, analysis of quarterly time series of mortgage volume and average mortgage rate are performed. Consequently, causality between mortgage volume and average mortgage rate is analysed. The morgage rate is the most important factor for economic subjects decision of residential investment. Afterwards, it is analysed causality between mortgage volume and selected factors via multiple regression analysis. Based on this analysis, influencing factors for multiple regression analysis describing mortgage volume are selected. Our empirical analysis validate the causality between mortgage volume and mortgage rate, unemployment rate and price level of real estates. Part of this paper is also economic eduction of causality and estimation of expect progress of mortgage volume especially in connection with present economic and business recession.

  14. Common Problems of Mortgage Banking Development in Poland

    Directory of Open Access Journals (Sweden)

    Anna Szelągowska

    2007-03-01

    Full Text Available In many countries the mortgage banking plays a basic role in the housing funding. The Polish model of the housing funding in large measure grounded on banking loans. However, more than 95% of mortgage loans come from universal banks. Mortgage banks, which have existed in the Polish economy for 10 years still play a small role in housing funding.

  15. “There's a Difference—I Own This”: Negotiating Social and Financial Services under Threat of Mortgage Foreclosure.

    Science.gov (United States)

    Castro Baker, Amy; Keene, Danya E

    2016-10-01

    Although national housing markets have recovered from the Great Recession, communities hardest hit by the foreclosure crisis remain immersed in mortgage trouble. Nineteen percent of homeowners are underwater on their mortgages and communities of color are overrepresented among zip codes still experiencing default in rising numbers. The social services needs of homeowners at risk of foreclosure show few signs of abating. High levels of market risk, asymmetrical power relationships, and the assumption that rational action can protect homeowners mark the climate in which households and social workers operate while attempting to halt foreclosure. The research described in this article draws on in-depth interviews conducted with homeowners at risk of default to examine the strategies they used to alleviate their mortgage strain. These strategies included seeking aid from financial and social services institutions while living under threat of default. As homeowners experienced mortgage strain they engaged in recommended rational market actions such as negotiating with lenders, increasing work hours, practicing strict household budgeting, and seeking aid from social work agencies to offset mortgage costs. The gathered data suggest that some social workers responded with poorly contextualized treatment plans and language characterized by disrespect, shame, and blame; others responded with mental health assistance, referrals to legal aid, and a helping relationship characterized by a sense of mattering that seemed to buffer against the psychosocial stressors associated with foreclosure.

  16. Optimal Mortgage Refinancing: A Closed Form Solution

    Science.gov (United States)

    Agarwal, Sumit; Driscoll, John C.; Laibson, David I.

    2013-01-01

    We derive the first closed-form optimal refinancing rule: Refinance when the current mortgage interest rate falls below the original rate by at least 1ψ[ϕ+W(−exp(−ϕ))]. In this formula W(.) is the Lambert W-function, ψ=2(ρ+λ)σ,ϕ=1+ψ(ρ+λ)κ∕M(1−τ), ρ is the real discount rate, λ is the expected real rate of exogenous mortgage repayment, σ is the standard deviation of the mortgage rate, κ/M is the ratio of the tax-adjusted refinancing cost and the remaining mortgage value, and τ is the marginal tax rate. This expression is derived by solving a tractable class of refinancing problems. Our quantitative results closely match those reported by researchers using numerical methods. PMID:25843977

  17. Losses on Dutch residential mortgage insurances

    NARCIS (Netherlands)

    Francke, M.K.; Schilder, F.P.W.

    2014-01-01

    Purpose - This paper aims to study the data on losses on mortgage insurance in the Dutch housing market to find the key drivers of the probability of loss. In 2013, 25 per cent of all Dutch homeowners were "under water": selling the property will not cover the outstanding mortgage debt. The

  18. 24 CFR 266.410 - Mortgage provisions.

    Science.gov (United States)

    2010-04-01

    ... HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Mortgage and... than the purpose intended on the day the mortgage was executed. The conversion of a project from rental... requirements apply as long as the HFA retains an interest in the project and final claim settlement has not...

  19. Secondary Market Products in the Mortgage System and Global Practices

    Directory of Open Access Journals (Sweden)

    Erhan Eroğlu

    2010-12-01

    Full Text Available In general terms, the mortgage market has two faces, the primary and the secondary markets. The primary market covers housing mortgage loans. On the other side of the mechanism, these loans are securitized and issued in financial markets with different form of securities in secondary markets. The common name of these instruments is “mortgage backed securities - MBS”. A mortgage backed security is a financial instrument issued in capital markets for investors, derived from either backed by the cash flow of the housing loan repayments (which is called pay-through or backed by directly selling the mortgage pools to the MBS issuers (which is called passthrough. The most trading secondary mortgage market instruments and world practices are explained in this article.

  20. 31 CFR 337.13 - Payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-07-01

    ... insurance premiums. When book-entry debentures are being purchased prior to maturity to pay for mortgage insurance premiums, the difference between the amount of the debentures purchased and the mortgage insurance... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Payment of mortgage insurance...

  1. 78 FR 10367 - Appraisals for Higher-Priced Mortgage Loans

    Science.gov (United States)

    2013-02-13

    ... the current sale. A creditor of a ``higher-risk mortgage'' must also: Provide the applicant, at the... addition, the final rule implements the Act's requirement that the creditor of a ``higher-risk mortgage... provision requiring appraisals for ``higher-risk mortgages'' that was added to TILA by the Dodd-Frank Wall...

  2. Financial Literacy and the Use of Interest-Only Mortgages

    Science.gov (United States)

    Seay, Martin C.; Preece, Gloria L.; Le, Vincent C.

    2017-01-01

    This study explored the relationship between financial literacy and the use of interest-only mortgages using data from the 2009 National Financial Capability Study (NFCS). A series of analyses were conducted to investigate characteristics associated with the use of an interest-only mortgage as a primary mortgage, as compared to fixed-rate mortgage…

  3. Ten myths about subprime mortgages

    OpenAIRE

    Yuliya Demyanyk

    2009-01-01

    On close inspection many of the most popular explanations for the subprime crisis turn out to be myths. Empirical research shows that the causes of the subprime mortgage crisis and its magnitude were more complicated than mortgage interest rate resets, declining underwriting standards, or declining home values. Nor were its causes unlike other crises of the past. The subprime crisis was building for years before showing any signs and was fed by lending, securitization, leveraging, and housing...

  4. Mortgage risks, debt literacy and financial advice

    NARCIS (Netherlands)

    van Ooijen, Raun; van Rooij, Maarten C.J.

    2016-01-01

    A limited understanding of mortgage contracts and the risks involved may have contributed to the outbreak of the 2007–2008 financial crisis. We developed a special questionnaire relating mortgage loan decisions to financial knowledge and financial advice. Our results demonstrate that homeowners

  5. A New Paradigm in Mortgage Loan Advice

    DEFF Research Database (Denmark)

    Otterstedt, Margrét Sesselja; Rasmussen, Kourosh Marjani; Kulahci, Murat

    2013-01-01

    The Danish mortgage market has undergone considerable changes during the last 15 years. New and more complex variations of loan products have been introduced. Nevertheless, mortgage loan advice has remained, by large, unchanged. This paper addresses a study where a number of new refinancing rules...

  6. 17 CFR 210.12-29 - Mortgage loans on real estate. 1

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Mortgage loans on real estate... § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2... amount of the extended mortgages, explain. 7 If any item of mortgage loans on real estate investments has...

  7. Obstacles to the Mortgage Financing of Forest Rights and its Countermeasures

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    Current status of the mortgage financing of forest rights is introduced.Significance of the development of mortgage financing of rural forest rights is analyzed,indicating that the mortgage financing of rural forest rights is an inevitable trend of rural reform development,Mortgage financing of forest rights in rural China is an effective vector for the farmers’ income increase project with financial support,explores the great potential of forest resources,promotes the coordinated development of forestry and financial services.Major obstacles for the mortgage financing of forest rights at present is pointed out,which are the high assessment fees,the complex mortgage valuation,the unsound element market of forestry,and the lack of risk protection mechanism.Countermeasures for the development of mortgage financing of forest rights is out forward.For instance,both government and Forestry Bureau should strengthen the circulation services,establish smooth evaluation mechanism,establish companies for rural assets platform,increase the interest subsidies for forest right mortgage and the risk compensation,strengthen the team construction and improve the service system.

  8. Home-mortgage lending trends in New England in 2010

    OpenAIRE

    Ana Patricia Muñoz

    2012-01-01

    This brief analysis of home-mortgage lending trends in New England is based on data collected under the Home Mortgage Disclosure Act (HMDA). HMDA provides information on mortgage lending trends and includes data by loan purpose, type of loan, income, and the race and ethnicity of borrowers. In this report we focus on home-purchase and refinance loans in New England.

  9. 78 FR 44580 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2013-07-24

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  10. 75 FR 41510 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2010-07-16

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by...). The interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period...

  11. 78 FR 4427 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2013-01-22

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  12. 75 FR 5339 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2010-02-02

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  13. 77 FR 4359 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2012-01-27

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by...). The interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period...

  14. 76 FR 4127 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2011-01-24

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  15. 76 FR 47225 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2011-08-04

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  16. 77 FR 42754 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2012-07-20

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  17. 24 CFR 266.600 - Mortgage insurance premium: Insurance upon completion.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.600 Mortgage insurance premium: Insurance upon completion. (a) Initial premium. For projects insured upon completion, on...

  18. 9 CFR 55.6 - Mortgage against animals.

    Science.gov (United States)

    2010-01-01

    ... 9 Animals and Animal Products 1 2010-01-01 2010-01-01 false Mortgage against animals. 55.6 Section 55.6 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT OF... DISEASE Chronic Wasting Disease Indemnification Program § 55.6 Mortgage against animals. When cervids have...

  19. 24 CFR 3500.21 - Mortgage servicing transfers.

    Science.gov (United States)

    2010-04-01

    ... servicer means a servicer, including a table funding mortgage broker or dealer on a first lien dealer loan..., mortgage broker who anticipates using table funding, or dealer who anticipates a first lien dealer loan... applicants, and material in square brackets is optional or alternative language. The model format may be...

  20. MBS Ratings and the Mortgage Credit Boom

    NARCIS (Netherlands)

    Ashcraft, A.; Goldsmith-Pinkham, P.; Vickery, J.

    2010-01-01

    We study credit ratings on subprime and Alt-A mortgage-backed securities (MBS) deals issued between 2001 and 2007, the period leading up to the subprime crisis. The fraction of highly-rated securities in each deal is decreasing in mortgage credit risk (measured either ex-ante or ex-post), suggesting

  1. 24 CFR 266.606 - Mortgage insurance premium: Duration and method of paying.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium... AFFORDABLE MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.606 Mortgage insurance premium: Duration and method of paying. (a) Duration of payments. Mortgage insurance...

  2. 24 CFR 203.420 - Nature of Mutual Mortgage Insurance Fund.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Nature of Mutual Mortgage Insurance Fund. 203.420 Section 203.420 Housing and Urban Development Regulations Relating to Housing and Urban... and Distributive Shares § 203.420 Nature of Mutual Mortgage Insurance Fund. The Mutual Mortgage...

  3. 24 CFR 266.608 - Mortgage insurance premium: Pro rata refund.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Pro... PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.608 Mortgage insurance premium: Pro rata refund. If the Contract of Insurance is terminated by payment in full or is terminated...

  4. SHORT-TERM FORECASTING OF MORTGAGE LENDING

    Directory of Open Access Journals (Sweden)

    Irina V. Orlova

    2013-01-01

    Full Text Available The article considers the methodological and algorithmic problems arising in modeling and forecasting of time series of mortgage loans. Focuses on the processes of formation of the levels of time series of mortgage loans and the problem of choice and identification of models in the conditions of small samples. For forecasting options are selected and implemented a model of autoregressive and moving average, which allowed to obtain reliable forecasts.

  5. 76 FR 43826 - Mortgage Acts and Practices-Advertising

    Science.gov (United States)

    2011-07-22

    ... commercial communication regarding any term of any mortgage credit product; and imposes certain recordkeeping... misrepresentation in any commercial communication regarding any term of any mortgage credit product, and it imposed... ``making any material misrepresentation * * * in any commercial communication, regarding any term of any...

  6. 78 FR 51046 - Registration of Mortgage Loan Originators

    Science.gov (United States)

    2013-08-20

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 610 RIN 3052-AC78 Registration of Mortgage Loan Originators... residential mortgage loan originators employed by Farm Credit System (FCS or System) institutions. We are... loan originators at banks, savings associations, credit unions, FCS institutions, and their...

  7. 7 CFR 1718.54 - Availability of model mortgage.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Availability of model mortgage. 1718.54 Section 1718.54 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Mortgage for Distribution Borrowers...

  8. The Nuclear Emergency Assistance Team, an Institution for Nuclear Emergency Relief

    Energy Technology Data Exchange (ETDEWEB)

    Boldyreff, P.; Kiefer, H.; Krause, H.; Zuehlke, K. [Gesellschaft fuer Kernforschung mbH, Karlsruhe, Federal Republic of Germany (Germany)

    1969-10-15

    The design of nuclear facilities is to exclude serious damage to the environment, even in case of the MCA (maximum credible accident). Although the likelihood of accidents exceeding the expected consequences of the MCA is extremely small, it is deemed reasonable to take general precautions against such accidents. Precautions of this type are customary also in the conventional field, and in this case they are to be implemented in part through the Nuclear Emergency Assistance Team. If the internal safety provisions of a nuclear facility are unable to prevent an impermissible leakage of radioactivity as the result of a major accident there is, at present, no possibility of decisively curbing the spread of activity throughout the environment in the first few hours after the accident. Hence the measures taken by the authorities as a result of the emission and immediately following upon it will have to be restricted to the protection of the population: analysis of intensity and pattern of distribution of activity, instructions.to seek closed shelters, or prohibition of the consumption of certain foodstuffs, distribution of blocking agents, etc. It is the purpose of the Nuclear Emergency Assistance Team to bring relief in the phase following the end of the emission. This may comprise the following steps: exact investigation of the external scope of the damage, in particular assessment of the contamination of ground, persons, and material; rapid personnel decontamination; securing and shielding radiation sources; fixing contamination and removing it immediately where this is deemed urgent for reasons of traffic or to keep the drinking water free from contamination; external containment of the source of danger; support in limiting the damage within the facility. In addition to these tasks of emergency protection, the Nuclear Emergency Assistance Team can take action also in disturbances within the facility which have no influence on the environment and where the operator

  9. 26 CFR 1.6050H-3T - Information reporting of mortgage insurance premiums (temporary).

    Science.gov (United States)

    2010-04-01

    ... Information reporting of mortgage insurance premiums (temporary). (a) Information reporting requirements. Any... section applies to the receipt of all payments of mortgage insurance premiums, by cash or financing... premiums is determined on a mortgage-by-mortgage basis. A recipient need not aggregate mortgage insurance...

  10. Subprime cities: the political economy of mortgage markets

    NARCIS (Netherlands)

    Aalbers, M.B.

    2012-01-01

    The study of mortgage markets has traditionally been the domain of economists. During historic times of turmoil and change, however, social scientists of various stripes are often called upon to shape our understanding of ways mortgage markets function. We are presently experiencing an episode of

  11. 77 FR 39222 - Consumer Use of Reverse Mortgages

    Science.gov (United States)

    2012-07-02

    ... influence reverse mortgage consumers' decision-making, consumers' use of reverse mortgage loan proceeds.... Sensitive personal information such as account numbers or Social Security numbers should not be included... personal information that could be used to identify an individual consumer or account, nor should they...

  12. Path innovation of rural property mortgage financing in China

    Directory of Open Access Journals (Sweden)

    Wu Yongchao

    2016-01-01

    Full Text Available Rural property mortgage financing, as an important breakthrough to deepen the reform of rural property right system and financial system, is an important approach to increase the farmers’ property income. Besides, rural property mortgage financing is of great significance in implementing the rural land usufructuary right and meeting the demand of medium-and-long-term and large-scale operation of the funds used in agricultural production. Under the existing institutional arrangement, the property mortgage financing in the rural areas of our country still is faced with many obstacles, and it is still at the stage of low level development. In this paper, closely based on the acceptability and the difficulty in the mortgaged property involving in legal disposal, the author puts forward important methods: clearly define the ownership, unify the urban and rural markets, increase the participation enthusiasm of financing bodies, and improve the supporting policies to promote property mortgage financing in rural area. Finally, the government should give farmers more property rights and revitalize the usufructuary right of agricultural land and its derivative right.

  13. Reverse Mortgage Participation in the United States: Evidence from a National Study

    Directory of Open Access Journals (Sweden)

    Swarn Chatterjee

    2016-03-01

    Full Text Available This paper uses the most recent wave of a nationally representative dataset to examine the factors associated with elderly homeowners’ decision to obtain reverse mortgage loans. The findings of this study suggest that very few homeowners participated in the reverse mortgage market, and homeowners younger than 67 were less likely to have reverse mortgage loans. However, homeowners who were risk averse, and homeowners in the two highest quartiles of net worth were more likely to have reverse mortgage loans. Further analyses reveal that among the reverse mortgage participants, homeowners with long-term care insurance coverage were less likely to have reverse mortgage loans. Implications for financial economists, financial planners, policy-makers, and scholars of retirement economics are included.

  14. 24 CFR 203.260 - Amount of mortgage insurance premium (periodic MIP).

    Science.gov (United States)

    2010-04-01

    ... Mortgage Insurance Premiums-Periodic Payment § 203.260 Amount of mortgage insurance premium (periodic MIP... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Amount of mortgage insurance premium (periodic MIP). 203.260 Section 203.260 Housing and Urban Development Regulations Relating to...

  15. Securitization, loan modification and the supply of subprime mortgage credit in the US

    Directory of Open Access Journals (Sweden)

    Anton Theunissen

    2013-10-01

    Full Text Available This paper develops a continuous time, contingent claims model of mortgage valuation with strategic behavior to show that mortgages that are securitized are characterized by significantly higher loan to value ratios than mortgages held on the balance sheet of the originator, if securitized mortgages cannot be renegotiated. Insofar as securitization inhibits loan modification, it serves as a credible threat to the borrower that default will provoke foreclosure. This enhances the value of the lender’s claim on the loan collateral, the home, and she is willing to lend more per dollar of collateral value. An important implication of the analysis is that the higher loan to value ratio for the securitized mortgage does not imply that the securitized mortgage is characterized by looser underwriting standards than the mortgage held on balance sheet. Higher loan to value ratios for securitized mortgages do not necessarily constitute evidence that securitization encourages risky lending.

  16. Mortgage development in Serbia, specialty in Serbian Civil Code from 1844. year

    Directory of Open Access Journals (Sweden)

    Popov Danica

    2012-01-01

    Full Text Available The history of Serbian mortgage law is not too long. The mortgage law began in first half of XIX century. The first Act about mortgage was The Intabulation Law from 1839. year. Mortgage is a right of lien on an immovable which authorizes the creditor to seek satisfaction of his claim for the value of such immovable before of other creditors that do not have mortgage on it, as well as before creditors who have acquired mortgage on such immovable subsequent on him, irrespective of a contingent change of owner of the encumbered immovable. The mortgage was based on some rules. The mortgage is accessory rights. One of the basic features of a security right is its dependence on the claim. The mortgage creditor is entitled to request satisfaction of the claim from the value of immovable encumbered by mortgage, regardless of whether it is still in possession of the mortgage debitor or it has been convened into ownership of a third party. This The Intabulation Law is changed twice. For the first time in 1842 year, and second time in 1853. year. The lack of both changes was missing the principle of speciality. Principle of speciality marks the fact that a guarantee (security, may secure only a definite claim of one creditor and that the guarantee may exist only on a definite set of objects (assets. On one hand speciality of real security interest forbids securing an indefinite number of claims or an indefinite amount of claim, and, on the other, forbids the prospect of indefinite assets, or all assets of the debitor be subject of to such a security interest. This lack are eliminate in the new Intabulation Law from 1854. year, which was incorporated into Serbian Civil Code from 1844. year. The subject of this article is The Intabulation Law from 1854. year.

  17. Oversizing of the subprime mortgage market as the main cause of its fall

    Directory of Open Access Journals (Sweden)

    Živkov Dejan

    2012-01-01

    Full Text Available The U.S. subprime mortgage crisis was one of the first indicators of the great financial crisis that escalated in late 2008. The law deregulation and human greed are considered to be the main causes of the crisis. However, some recent analyses have shown one more cause of the mortgage crisis, that seems to be crucial - oversizing of the subprime mortgage market. Due to the fact that the subprime mortgage market depends on the prime mortgage market, in an attempt to provide its stability and sustainable growth, some kind of the ratio between the number of subprime and the prime mortgages must have been taken into the consideration.

  18. A New Paradigm in Islamic Housing: Non-Bank Islamic Mortgage

    Directory of Open Access Journals (Sweden)

    Egi Arvian Firmansyah

    2018-05-01

    Full Text Available An increasing demand for a sharia-compliant housing has resulted in a new initiative where the mortgage can presently be directly handled by the developer without involving the bank. This is called non-bank Islamic mortgage. This paper is aimed at portraying the consumer’s profile of non-bank Islamic mortgage and the issues of this practice. We disseminated questionnaires to the respondents in several cities in West Java who bought the house-using non-bank Islamic mortgage scheme. Subsequently, we synthesized the answers regarding their profiles and issues of the scheme for the betterment in the future. One of the issues of this scheme is the higher fraud because there is no rigorous credit scoring as conducted by the bank. The research of non-bank Islamic mortgage is still scant so this paper is expected to shed the light by contributing to the literature of Islamic home financing.DOI: 10.15408/aiq.v10i2.7274

  19. Infectious Disease Information Collection System at the Scene of Disaster Relief Based on a Personal Digital Assistant.

    Science.gov (United States)

    Li, Ya-Pin; Gao, Hong-Wei; Fan, Hao-Jun; Wei, Wei; Xu, Bo; Dong, Wen-Long; Li, Qing-Feng; Song, Wen-Jing; Hou, Shi-Ke

    2017-12-01

    The objective of this study was to build a database to collect infectious disease information at the scene of a disaster through the use of 128 epidemiological questionnaires and 47 types of options, with rapid acquisition of information regarding infectious disease and rapid questionnaire customization at the scene of disaster relief by use of a personal digital assistant (PDA). SQL Server 2005 (Microsoft Corp, Redmond, WA) was used to create the option database for the infectious disease investigation, to develop a client application for the PDA, and to deploy the application on the server side. The users accessed the server for data collection and questionnaire customization with the PDA. A database with a set of comprehensive options was created and an application system was developed for the Android operating system (Google Inc, Mountain View, CA). On this basis, an infectious disease information collection system was built for use at the scene of disaster relief. The creation of an infectious disease information collection system and rapid questionnaire customization through the use of a PDA was achieved. This system integrated computer technology and mobile communication technology to develop an infectious disease information collection system and to allow for rapid questionnaire customization at the scene of disaster relief. (Disaster Med Public Health Preparedness. 2017;11:668-673).

  20. ‘Mortgaged lives’: the biopolitics of debt and housing financialisation

    OpenAIRE

    Garcia Lamarca, Melissa; Kaika, Maria

    2016-01-01

    The paper expands the conceptual framework within which we examine mortgage debt by reconceptualising mortgages as a biotechnology: a technology of power over life that forges an intimate relationship between global financial markets, everyday life and human labour. Taking seriously the materiality of mortgage contracts as a means of forging new embodied practices of financialisation, we urge for the need to move beyond a policy? and macroeconomics?based analysis of housing financialisation. ...

  1. IMPROVING THE SYSTEM OF MORTGAGE CREDITING OF RESIDENTIAL REAL ESTATE IN UKRAINE

    Directory of Open Access Journals (Sweden)

    Alexander Goloven

    2015-11-01

    Full Text Available The purpose of the article is to improve the system of mortgage crediting of residential real estate in Ukraine. Mortgage lending appeared in Ukraine in the early XVII century, today the actual problem is a small percentage of the banking book long-term mortgage loans, because banks, on the one hand, tend to rotate without the risk of short-term funds, another potential borrower of these loans, unfortunately, is not creditworthy. However, despite the risks, this banking product is a significant factor in the redistribution and accumulation of funds, the transformation of private savings into investment resources, the problem of housing, but also contributes to the stabilization of the economy in the country as a whole. Functioning and the distribution of mortgage capital, the possible financial risks, the interaction of the mortgage market by the financial, investment and monetary Affairs, leads to a certain complexity of the mechanism of functioning of the mortgage market of Ukraine in general. The relevance of this topic not only in the development of the housing market, but also the feasibility studies for the development of this issue. We present an analysis of the institutional environment of mortgage lending residential real estate, which gave an opportunity to identify and define the environment of modern residential real estate market, its relationship with other markets. Methodology. The survey is based on institutional structure of the mortgage market that has evolved independently of other structures, independently within country under the influence of specific socio-economic environment and economic policy. Results of the survey showed that mortgage lending can be providing the borrower with some free services, such as: long-term deposit on favorable terms, notary services, insurance, discounts on bank services, providing services to the bank and the developer, given appropriate training of the borrower and so forth. Practical

  2. Mortgage Finance and Security of Collateral

    DEFF Research Database (Denmark)

    Haldrup, Karin

    2011-01-01

    Developing economies face a gigantic lack of financing for urbanization due to the absence of formal and transparent property markets. The paper discuss the interference between mortgage finance and collateral security by using the Danish mortgage financing model as an example, because of its 200...... years long history, and because the system is recommended as an option in emerging markets and as a possible model for remedying failures in mature housing finance markets. It is suggested that development policies in land administration need to be revised in order to support a widening of credit...

  3. Denmark; Systemic Issues in Mortgage Loans and Covered Bond Finance: Technical Note

    OpenAIRE

    International Monetary Fund

    2014-01-01

    This technical note analyzes systemic issues in mortgage loans and covered bond finance in Denmark. Mortgage lending has seen significant product innovation in recent years. Loans with adjustable interest rates and/or interest-only periods, which have been introduced since the late 1990s, had grown to 75 percent and 53 percent, respectively, of total outstanding mortgage loans at the end of 2013. The major changes in the characteristics of the underlying mortgage loans have naturally been ref...

  4. Analysis of Tax-deductible Interest Payments for Re-advanceable Canadian Mortgages

    Science.gov (United States)

    Naseem, Almas; Reesor, Mark

    2011-11-01

    According to Canadian tax law the interest on loans used for investment purposes is tax deductible while interest on personal mortgage loans is not. One way of transforming from non-tax deductible to tax deductible interest expenses is to borrow against home equity to make investments. A re-advanceable mortgage is a product specifically designed to take advantage of this tax discrepancy. Using simulation we study the risk associated with the re-advanceable mortgage strategy to provide a better description of the mortgagor's position. We assume that the mortgagor invests the borrowings secured by home equity into a single risky asset (e.g., stock or mutual fund) whose evolution is described by geometric Brownian motion (GBM). With a re-advanceable mortgage we find that the average mortgage payoff time is less than the original mortgage term. However, there is considerable variation in the payoff times with a significant probability of a payoff time exceeding the original mortgage term. Higher income homeowners enjoy a payoff time distribution with both a lower average and a lower standard deviation than low-income homeowners. Thus this strategy is most beneficial to those with the highest income. We also find this strategy protects the homeowner in the event of job loss. This work is important to lenders, financial planners and homeowners to more fully understand the benefits and risk associated with this strategy.

  5. An update to inplace testing of safety/relief valves utilizing lift assist technology

    International Nuclear Information System (INIS)

    Heorman, K.R.

    1992-01-01

    Inplace testing of safety and relief valves with lift-assist devices has received mixed reviews from nuclear power plant testing personnel. While many plants use the technology, most limit its use to testing main steam safety valves (even though both OM-1-1981 and PTC 25.3-1976 allow its use for several different service applications). Test coordinator concerns regarding the technology range from lift set point accuracy and repeatability to the quality of the test result output. In addition, OM-1-1981 and PTC 25.3-1976 differ in their approach to the technology. The reasons for the differences between PTC 25.3-1976 and OM-1-1981 are discussed along with additional considerations applicable to the use of the technology in testing liquid service valves. This paper shows that lift assist technology is capable of determining lift set points within the accuracy requirements of OM-1 and PTC 25.3. It also demonstrates that the technology should not be limited to compressible service systems. Also, improvements in test repeatability and output quality are discussed as a function of the assist device design used and valve characteristics. Lift assist testing is often preferred over inplace testing that uses direct system pressure. It is often more cost efficient than bench testing because it does not require removal of critical systems from service and transportation of components. Also, duplicating system temperatures and other environmental factors is not an issue during inplace testing. Valve testing that once required an outage and maintenance period can now be conducted prior to such periods. This approach minimizes the possibility of failures becoming critical path limiting items

  6. Higher Bank Capital Requirements and Mortgage Pricing: Evidence from the Countercyclical Capital Buffer (CCB)

    OpenAIRE

    Basten, Christhoph; Koch, Cathérine

    2015-01-01

    How has the CCB affected mortgage pricing after Switzerland became the first country to activate this Basel III macroprudential tool? By analyzing a database with several offers per mortgage request, we construct a picture of mortgage supply and demand. We find, first, that the CCB changes the composition of mortgage supply, as relatively capital-constrained and mortgage-specialized banks raise prices more than their competitors do. Second, risk-weighting schemes linked to borrower risk do no...

  7. 31 CFR 337.8 - Payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-07-01

    ... insurance premiums. When certificated debentures are tendered for purchase prior to maturity in order that the proceeds thereof be applied to pay for mortgage insurance premiums, any difference between the amount of the debentures purchased and the amount of the mortgage insurance premium will generally be...

  8. Modeling a Distribution of Mortgage Credit Losses

    Czech Academy of Sciences Publication Activity Database

    Gapko, Petr; Šmíd, Martin

    2010-01-01

    Roč. 23, č. 23 (2010), s. 1-23 R&D Projects: GA ČR GA402/09/0965; GA ČR GD402/09/H045 Grant - others:Univerzita Karlova - GAUK(CZ) 46108 Institutional research plan: CEZ:AV0Z10750506 Keywords : Credit Risk * Mortgage * Delinquency Rate * Generalized Hyperbolic Distribution * Normal Distribution Subject RIV: AH - Economics http://library.utia.cas.cz/separaty/2010/E/gapko-modeling a distribution of mortgage credit losses-ies wp.pdf

  9. 9 CFR 53.9 - Mortgage against animals or materials.

    Science.gov (United States)

    2010-01-01

    ... 9 Animals and Animal Products 1 2010-01-01 2010-01-01 false Mortgage against animals or materials. 53.9 Section 53.9 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT....9 Mortgage against animals or materials. When animals or materials have been destroyed pursuant to...

  10. Multiple Layers of Credit and Mortgage Crises

    OpenAIRE

    Paula Hernandez-Verme

    2011-01-01

    I examine a production economy with a financial sector that contains multiple layers of credit. Such layers are designed to constitute credit chains which are inclusive of a simple mortgage market. The focus is on the nature and contagion properties of credit chains in an economy where the financial sector plays a real allocative role and agents have a nontrivial choice of whether to default on mortgages or not. Multiple equilibria with different rates of default are observed, due to the pres...

  11. Mortgage lenders and loans

    NARCIS (Netherlands)

    Aalbers, M.B.; Smith, S.J.

    2012-01-01

    This article presents a short historical overview of the different types of lenders that are active in the origination of residential mortgage loans. First, a distinction is made between depository and nondepository lenders. Second, there are two major types of depository lenders: commercial banks,

  12. 77 FR 23273 - Proposed Information Collection; Comment Request: Home Equity Conversion Mortgage Counseling...

    Science.gov (United States)

    2012-04-18

    ... Collection; Comment Request: Home Equity Conversion Mortgage Counseling Client Survey AGENCY: Office of the... information: Title of Proposal: Home Equity Conversion Mortgage Counseling Client Survey. OMB Control Number... reverse mortgage counseling. As part of HUD's evaluation of its HECM counseling program, performance...

  13. Prepayment and the Valuation of Danish Mortgage-Backed Bonds

    DEFF Research Database (Denmark)

    Jakobsen, Svend

    Ph.D. thesis on prepayment modelling and valuation of Danish mortgage backed bonds. The thesis discusses several aspects of mortgage backed bonds including after-tax valuation, the special Danish delivery option, rational prepayment behavior, transaction costs and heterogenous borrowers. The thes...... concludes with an empirical analysis of pricing and holding period returns...

  14. An Engineered Resupply System for Humanitarian Assistance and Disaster Relief Operations

    Science.gov (United States)

    2017-09-01

    relevant and timely relief. Conduct Supply refers to the procurement, warehousing, and managing of relief supplies. Conduct Deployment and Distribution ...NAVAL POSTGRADUATE SCHOOL MONTEREY, CALIFORNIA THESIS Approved for public release. Distribution is unlimited. AN ENGINEERED...Approved OMB No. 0704–0188 Public reporting burden for this collection of information is estimated to average 1 hour per response, including the time

  15. 9 CFR 56.7 - Mortgage against poultry or eggs.

    Science.gov (United States)

    2010-01-01

    ... 9 Animals and Animal Products 1 2010-01-01 2010-01-01 false Mortgage against poultry or eggs. 56.7... AGRICULTURE COOPERATIVE CONTROL AND ERADICATION OF LIVESTOCK OR POULTRY DISEASES CONTROL OF H5/H7 LOW PATHOGENIC AVIAN INFLUENZA § 56.7 Mortgage against poultry or eggs. When poultry or eggs have been destroyed...

  16. Transforming the Mortgage System and Challenging the Zombie Economy

    DEFF Research Database (Denmark)

    Wood, James

    2017-01-01

    By developing stable mortgage finance institutions that do not require government bailouts we can break the “doom loop” between the financial sector and the British state.......By developing stable mortgage finance institutions that do not require government bailouts we can break the “doom loop” between the financial sector and the British state....

  17. Maximizing Home Equity or Preventing Home Loss: Reverse Mortgage Decision Making and Racial Inequality.

    Science.gov (United States)

    Keene, Danya E; Sarnak, Ann; Coyle, Caitlin

    2018-03-07

    Reverse mortgages are loans that allow older homeowners to borrow from their home equity with no repayment due until the borrower dies or moves out of the home. We currently know very little about how homeowners evaluate and experience reverse mortgages as solutions to their financial and housing needs in later life. Furthermore, despite an increasingly diverse population of reverse mortgage borrowers, we know little about how social inequalities may contribute to reverse mortgage decisions and their outcomes. In this paper, we examine reverse mortgage decision-making and experiences in a racially and economically diverse sample of older US homeowners. We conducted 44 in-depth interviews with older homeowners who were considering or who had obtained a reverse mortgage loan. We inductively and iteratively developed a thematic coding scheme that was applied to all interview transcripts. Our analysis produced a dichotomous schema of reverse mortgage decision making that was shaped by social and economic opportunities and constraints. For some participants, reverse mortgages represented strategic tools used to maximize home equity and its benefits. For others, it was an option of last resort to which participants turned when faced with the imminent loss of their home. Focusing on reverse mortgages, our analysis suggests way that social inequalities may be reproduced through financial decisions and the unequal landscapes of opportunity in which they are made.

  18. Competition in the Dutch mortgage market: notes on concentration, entry, funding, and margins

    NARCIS (Netherlands)

    Treur, L.; Boonstra, W.W.

    2014-01-01

    This article describes the institutions that shape the Dutch mortgage market, as well as how they affect mortgage funding, and, ultimately, mortgage interest rates. The Dutch housing market is characterized by a very large social housing sector, as well as a relatively large share of owner-occupied

  19. Effect of loan value and collateral on value of mortgage default

    OpenAIRE

    Itoo, R. A.; Selvarasu, A.; Filipe, J.

    2013-01-01

    This study explore the factors influencing mortgage loan default by using the data of mortgage default case from Jammu and Kashmir Bank. To achieve the study objectives sixteen variables are taken. The variables are categorized into three dimensions as borrower’s profile, loan value contents and collateral security. The tools used for analysis of data describing mortgage loan defaulter’s are chi-square, regression, ANOVA, and logistic regression through SPSS 18.0. The results indicate that th...

  20. 12 CFR 201.109 - Eligibility for discount of mortgage company notes.

    Science.gov (United States)

    2010-01-01

    ... directly affect the production or distribution of goods and services. Mortgage banking, on the other hand... inventory of mortgage loans pending their “packaging” for sale to permanent investors that are usually...

  1. Modeling a Distribution of Mortgage Credit Losses

    Czech Academy of Sciences Publication Activity Database

    Gapko, Petr; Šmíd, Martin

    2012-01-01

    Roč. 60, č. 10 (2012), s. 1005-1023 ISSN 0013-3035 R&D Projects: GA ČR GD402/09/H045; GA ČR(CZ) GBP402/12/G097 Grant - others:Univerzita Karlova(CZ) 46108 Institutional research plan: CEZ:AV0Z10750506 Institutional support: RVO:67985556 Keywords : credit risk * mortgage * delinquency rate * generalized hyperbolic distribution * normal distribution Subject RIV: AH - Economics Impact factor: 0.194, year: 2012 http://library.utia.cas.cz/separaty/2013/E/smid-modeling a distribution of mortgage credit losses.pdf

  2. Second Mortgages

    DEFF Research Database (Denmark)

    Miltersen, Kristian R.; Torous, Walter N.

    correlates homeowners' default decisions so that a large drop in house prices can result in almost all of these homeowners defaulting together. In this case, even the most senior tranches of structured financial products collateralized by first-lien mortgages may no longer be protected from default losses...... after the bursting of the U.S. housing bubble. By contrast, our results are not consistent with the argument that the observed downgrades occurred because the severity of the U.S. housing market downturn was underestimated by credit rating agencies....

  3. "Cream-skimming" in subprime mortgage securitizations : which subprime mortgage loans were sold by depository institutions prior to the crisis of 2007?

    OpenAIRE

    Paul S. Calem; Christopher Henderson; Jonathan Liles

    2010-01-01

    Depository institutions may use information advantages along dimensions not observed or considered by outside parties to "cream-skim," meaning to transfer risk to naive, uninformed, or unconcerned investors through the sale or securitization process. This paper examines whether "cream-skimming" behavior was common practice in the subprime mortgage securitization market prior to its collapse in 2007. Using Home Mortgage Disclosure Act data merged with data on subprime loan delinquency by ZIP c...

  4. Allegheny County Mortgage Foreclosure Records

    Data.gov (United States)

    Allegheny County / City of Pittsburgh / Western PA Regional Data Center — This data includes filings related to mortgage foreclosure in Allegheny County. The foreclosure process enables a lender to take possession of a property due to an...

  5. 78 FR 59890 - Qualified Mortgage Definition for HUD Insured and Guaranteed Single Family Mortgages

    Science.gov (United States)

    2013-09-30

    ... construction and policy implications demonstrates that there are sound reasons for adopting either... borrower except for minor adjustments.\\16\\ \\16\\ Handbook 4155.1, Ch. 6, Sec. C (Mortgage Credit Analysis....gov/hudportal/HUD?src=/program_offices/administration/hudclips/handbooks/hsgh/4155.1 . Requiring...

  6. Energy Factors in Commercial Mortgages: Gaps and Opportunities

    Energy Technology Data Exchange (ETDEWEB)

    Mathew, Paul [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Coleman, Philip [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Wallace, Nancy [Univ. of California, Berkeley, CA (United States); Issler, Paulo [Univ. of California, Berkeley, CA (United States); Kolstad, Lenny [Inst. for Market Transformation, Washington, DC (United States); Sahadi, Robert [Inst. for Market Transformation, Washington, DC (United States)

    2016-09-01

    The commercial real estate mortgage market is enormous, with almost half a trillion dollars in deals originated in 2015. Relative to other energy efficiency financing mechanisms, very little attention has been paid to the potential of commercial mortgages as a channel for promoting energy efficiency investments. The valuation and underwriting elements of the business are largely driven by the “net operating income” (NOI) metric – essentially, rents minus expenses. While NOI ostensibly includes all expenses, energy factors are in several ways given short shrift in the underwriting process. This is particularly interesting when juxtaposed upon a not insignificant body of research revealing that there are in fact tangible benefits (such as higher valuations and lower vacancy and default rates) for energy-efficient and “green” commercial buildings. This scoping report characterizes the current status and potential interventions to promote greater inclusion of energy factors in the commercial mortgage process.

  7. 76 FR 40741 - Federal Housing Administration (FHA) Mortgage Insurance Premiums for Multifamily Housing Programs...

    Science.gov (United States)

    2011-07-11

    ... Administration (FHA) Mortgage Insurance Premiums for Multifamily Housing Programs, Health Care Facilities and... mortgage insurance premiums (MIPs) for FHA Multifamily Housing, Health Care Facilities, and Hospital... mortgage insurance regulation at 24 CFR 207.254 provides as follows: Notice of future premium changes will...

  8. 77 FR 21580 - Changes in Certain Multifamily Housing and Health Care Facility Mortgage Insurance Premiums for...

    Science.gov (United States)

    2012-04-10

    ... Multifamily Housing and Health Care Facility Mortgage Insurance Premiums for Fiscal Year (FY) 2013 AGENCY...: In accordance with HUD regulations, this notice announces changes of the mortgage insurance premiums... mortgage. The mortgage insurance premiums to be in effect for FHA firm commitments issued or reissued in FY...

  9. THE ROLE OF MORTGAGE CREDIT IN ENSURING ECONOMIC GROWTH

    Directory of Open Access Journals (Sweden)

    Z. L. Garipova

    2014-04-01

    Full Text Available The decision of the important social task - ensuring the availability of housing for the mass of the population of the country, on the one hand, allowed to launch investment, savings, financial and credit mechanisms for ensuring economic growth of the Russian economy on the other. Despite the high degree of sophistication in the scientific literature of the organization of mortgage lending system, a study of its impact on economic growth factors in the scientific literature clearly insufficient. The original article was the theory of economic growth, which allowed on the basis of research of interaction of demand for residential property, it deals with the housing mortgage credit to justify a conclusion about its importance not only for solution of social tasks, availability of housing, but also a significant impact on the demand and supply on the residential property market. Based on the analysis of statistical data for the period from 2006 to 2012, and their correlation analysis carried out research of factors of development of housing markets and mortgage lending, namely incomes, housing prices, interest rates on loans, «channel lending conditions, the terms of banking mortgage.Purchase on Elibrary.ru > Buy now

  10. Secondary mortgage market (SMM): Is it right for financing housing ...

    African Journals Online (AJOL)

    It notes that the scale of mortgage origination in the primary market is limited; the adjudication process is slow; collateralization is inadequate; and the land title regime is poor. It suggests that it is appropriate for Ghana to concentrate on solving these basic problems before any attempt at implementing a secondary mortgage ...

  11. 24 CFR 213.259a - Premiums-mortgages insured pursuant to section 238(c) of the Act.

    Science.gov (United States)

    2010-04-01

    .... All of the provisions of §§ 213.253 through 213.259 governing mortgage insurance premiums shall apply... mortgage insurance premiums due on such mortgages in accordance with §§ 213.253 through 213.259 shall be... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Premiums-mortgages insured pursuant...

  12. 24 CFR 266.610 - Method of payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 266.610 Section 266.610 Housing and Urban Development Regulations Relating to Housing... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.610 Method of payment of mortgage insurance premiums. In the cases that the Commissioner deems appropriate, the...

  13. Home Truths: Promises and Challenges in Linking Mortgages and Political Influence

    Directory of Open Access Journals (Sweden)

    Deniz Igan

    2016-11-01

    Full Text Available What can “big data” tell us about the dynamics shaping the regulation of and activities in housing and mortgage markets? This paper describes a detailed database of the lobbying activities, campaign contributions, political connections, and mortgage lending activities of the financial industry. A review of the findings of recent research that has utilized this data set suggests that the political influence of the financial industry may have a bearing on the regulation of mortgage markets and, in turn, on risk-taking by lenders. A key challenge is deciphering the motivations behind the politically targeted activities of the financial industry.

  14. 78 FR 59366 - Multifamily, Healthcare Facilities, and Hospital Mortgage Insurance Premiums for Fiscal Year (FY...

    Science.gov (United States)

    2013-09-26

    ... Facilities, and Hospital Mortgage Insurance Premiums for Fiscal Year (FY) 2014 AGENCY: Office of the... with HUD regulations, this Notice announces the mortgage insurance premiums (MIPs) for Federal Housing Administration (FHA) Multifamily, Healthcare Facilities, and Hospital mortgage insurance programs that have...

  15. Dutch mortgage arrears and the role of the global financial crisis

    NARCIS (Netherlands)

    Teye, A.L.; De Haan, J.; Elsinga, M.

    2015-01-01

    As in many countries, the Dutch housing market was severely hit by the recent financial crisis. Following the recession, the average house price in the Netherlands fell by almost 25% and the proportion of homeowners with mortgage payment arrears nearly doubled. In this paper, we study mortgage

  16. Financial literacy, risk aversion and choice of mortgage type by households

    NARCIS (Netherlands)

    Cox, R.; Brounen, Dirk; Neuteboom, P.

    2015-01-01

    This paper analyzes how financial literacy and reported willingness to take financial risk impact a household’s choice of mortgage type. The results show that households reporting higher financial literacy and lower risk aversion are 55 to 97 % more likely to opt for interest-only mortgages. The

  17. Path innovation of rural property mortgage financing in China

    OpenAIRE

    Wu Yongchao

    2016-01-01

    Rural property mortgage financing, as an important breakthrough to deepen the reform of rural property right system and financial system, is an important approach to increase the farmers’ property income. Besides, rural property mortgage financing is of great significance in implementing the rural land usufructuary right and meeting the demand of medium-and-long-term and large-scale operation of the funds used in agricultural production. Under the existing institutional arrangement, the prope...

  18. PSA Duration: Conquering the Prepayment Risk of Mortgage Portfolios

    OpenAIRE

    Boleslav Gulko

    1996-01-01

    Money managers have little control over the values of their individual holdings, but they have considerable control over the risk exposure of their portfolios. This article introduces new tools for the risk management of mortgage portfolios. We extend the traditional duration analysis to two dimensions, interest rates and mortgage prepayments, and develop independent hedging rules for the interest rate risk and the prepayment risk. In particular, we define the PSA duration as a formal measure...

  19. The effect of mortgage origination fees on the housing price dynamics

    Czech Academy of Sciences Publication Activity Database

    Tsharakyan, Ashot

    -, č. 357 (2008), s. 1-36 ISSN 1211-3298 R&D Projects: GA MŠk LC542 Institutional research plan: CEZ:AV0Z70850503 Keywords : mortgage origination fees * housing price * mortgage market deregulation Subject RIV: AH - Economics http://www.cerge-ei.cz/pdf/wp/Wp357.pdf

  20. 78 FR 48547 - Appraisals for Higher-Priced Mortgage Loans-Supplemental Proposal

    Science.gov (United States)

    2013-08-08

    ..., Carolyn B. Engelhardt, Bank Examiner (Risk Specialist--Credit), (202) 649-6404, Charlotte M. Bahin, Senior... 129H prohibits a creditor from extending credit in the form of a ``higher-risk mortgage'' loan to any... rule. The term ``higher-risk mortgage'' encompasses a closed-end consumer credit transaction secured by...

  1. How do mortgage lenders influence neighbourhood dynamics? Redlining and predatory lending

    NARCIS (Netherlands)

    Aalbers, M.B.; van Ham, M.; Manley, D.; Bailey, N.; Simpson, L.; Maclennan, D.

    2013-01-01

    Manuel Aalbers argues that the actions of mortgage lenders can play an important role in understanding the trajectories of some of the most deprived neighbourhoods in Western cities. Mortgage lenders use the notion of the neighbourhood as a means to reduce their risk or to extract profit, and as

  2. Extra-Margins in ACM's Adjusted NMa ‘Mortgage-Rate-Calculation Method

    NARCIS (Netherlands)

    Dijkstra, M.; Schinkel, M.P.

    2013-01-01

    We analyse the development since 2004 of our concept of extra-margins on Dutch mortgages (Dijkstra & Schinkel, 2012), based on funding cost estimations in ACM (2013), which are an update of those in NMa (2011). Neither costs related to increased mortgage-specific risks, nor the inclusion of Basel

  3. 24 CFR 251.6 - Method of payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 251.6 Section 251.6 Housing and Urban Development Regulations Relating to Housing and... HOUSING PROJECTS § 251.6 Method of payment of mortgage insurance premiums. In the cases that the... affected lenders, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...

  4. 24 CFR 252.6 - Method of payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 252.6 Section 252.6 Housing and Urban Development Regulations Relating to Housing and..., AND BOARD AND CARE HOMES § 252.6 Method of payment of mortgage insurance premiums. The provisions of..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT...

  5. 24 CFR 236.252 - First, second, and third mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 236.252 Section 236.252 Housing and Urban Development Regulations Relating to Housing... insurance premiums. All of the provisions of § 207.252 of this chapter governing the first, second, and third mortgage insurance premiums shall apply to mortgages insured under this subpart, except: (a) Where...

  6. 44 CFR 5.59 - Judicial relief available to the public.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Judicial relief available to the public. 5.59 Section 5.59 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY... the complainant resides, or has his principal place of business, or in which the agency records are...

  7. 26 CFR 1.166-6 - Sale of mortgaged or pledged property.

    Science.gov (United States)

    2010-04-01

    ...-6 Sale of mortgaged or pledged property. (a) Deficiency deductible as bad debt—(1) Principal amount... been returned by him) as a bad debt for the taxable year in which it becomes wholly worthless or is... mortgaged or pledged property by certain mutual savings banks, domestic building and loan associations, and...

  8. Credit booms and lending standards : Evidence from the subprime mortgage market

    NARCIS (Netherlands)

    Dell’Ariccia, G.; Igan, D.; Laeven, L.

    2012-01-01

    This paper links the U.S. subprime mortgage crisis to demand-side factors that contributed to the rapid expansion of the U.S. mortgage market. We show that denial rates were relatively lower in areas that experienced faster credit demand growth and that lenders in these high-growth areas attached

  9. 24 CFR 255.6 - Method of payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 255.6 Section 255.6 Housing and Urban Development Regulations Relating to Housing and... PROJECTS § 255.6 Method of payment of mortgage insurance premiums. The provisions of 24 CFR 251.6 shall..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT...

  10. 7 CFR 3565.108 - Responsibility for actions of agents and mortgage brokers.

    Science.gov (United States)

    2010-01-01

    ... brokers. 3565.108 Section 3565.108 Agriculture Regulations of the Department of Agriculture (Continued... Requirements § 3565.108 Responsibility for actions of agents and mortgage brokers. An approved lender is responsible for the actions of its agents and mortgage brokers. ...

  11. The Great Mortgaging: Housing Finance, Crises, and Business Cycles

    OpenAIRE

    Oscar Jorda; Moritz Schularick; Alan M. Taylor

    2014-01-01

    This paper unveils a new resource for macroeconomic research: a long-run dataset covering disaggregated bank credit for 17 advanced economies since 1870. The new data show that the share of mortgages on banks’ balance sheets doubled in the course of the 20th century, driven by a sharp rise of mortgage lending to households. Household debt to asset ratios have risen substantially in many countries. Financial stability risks have been increasingly linked to real estate lending booms which are...

  12. Linking mortgage finance incentives to a voluntary home energy rating system: Insight into consensus building

    International Nuclear Information System (INIS)

    Jenior, M.-M.

    1994-01-01

    A collaborative consensus process was created to implement a program linking voluntary home energy rating systems (HERS) to mortgage incentives. The participants involved many of the stakeholders or interest groups who have a role in implementing and who will be affected by energy efficiency mortgate incentive programs linked to HERS. The participants included representatives from the primary and secondary mortgage market; real estate, home building, and remodeling industries; utilities; state, local, consumer, and environmental organizations; and home energy rating providers. The participants defined the actions required to implement as well as the technical requirements of a program linking home energy ratings and mortgage finance. Building on the recommendations of the collaborative process, members of the collaborative continue to take initiatives to put a Home Energy Rating Systems Council into place, in planning pilot programs for developing and testing ways to link HERS and mortgage programs, and in making home buyers and owners aware of existing mortgage incentives. At the same time, mortgage providers are working to develop uniformity among mortgage incentive programs and with the US Department of Energy to develop procedures to verify the relative accuracy of HERS calculation tools and their application, and with the emerging HERS Council to develop the guidelines for voluntary HERS required under the Energy Policy Act of 1992

  13. A boundary PDE feedback control approach for the stabilization of mortgage price dynamics

    Science.gov (United States)

    Rigatos, G.; Siano, P.; Sarno, D.

    2017-11-01

    Several transactions taking place in financial markets are dependent on the pricing of mortgages (loans for the purchase of residences, land or farms). In this article, a method for stabilization of mortgage price dynamics is developed. It is considered that mortgage prices follow a PDE model which is equivalent to a multi-asset Black-Scholes PDE. Actually it is a diffusion process evolving in a 2D assets space, where the first asset is the house price and the second asset is the interest rate. By applying semi-discretization and a finite differences scheme this multi-asset PDE is transformed into a state-space model consisting of ordinary nonlinear differential equations. For the local subsystems, into which the mortgage PDE is decomposed, it becomes possible to apply boundary-based feedback control. The controller design proceeds by showing that the state-space model of the mortgage price PDE stands for a differentially flat system. Next, for each subsystem which is related to a nonlinear ODE, a virtual control input is computed, that can invert the subsystem's dynamics and can eliminate the subsystem's tracking error. From the last row of the state-space description, the control input (boundary condition) that is actually applied to the multi-factor mortgage price PDE system is found. This control input contains recursively all virtual control inputs which were computed for the individual ODE subsystems associated with the previous rows of the state-space equation. Thus, by tracing the rows of the state-space model backwards, at each iteration of the control algorithm, one can finally obtain the control input that should be applied to the mortgage price PDE system so as to assure that all its state variables will converge to the desirable setpoints. By showing the feasibility of such a control method it is also proven that through selected modification of the PDE boundary conditions the price of the mortgage can be made to converge and stabilize at specific

  14. Effective International Medical Disaster Relief: A Qualitative Descriptive Study.

    Science.gov (United States)

    Broby, Nicolette; Lassetter, Jane H; Williams, Mary; Winters, Blaine A

    2018-04-01

    Purpose The aim of this study was to assist organizations seeking to develop or improve their medical disaster relief effort by identifying fundamental elements and processes that permeate high-quality, international, medical disaster relief organizations and the teams they deploy. A qualitative descriptive design was used. Data were gathered from interviews with key personnel at five international medical response organizations, as well as during field observations conducted at multiple sites in Jordan and Greece, including three refugee camps. Data were then reviewed by the research team and coded to identify patterns, categories, and themes. The results from this qualitative, descriptive design identified three themes which were key characteristics of success found in effective, well-established, international medical disaster relief organizations. These characteristics were first, ensuring an official invitation had been extended and the need for assistance had been identified. Second, the response to that need was done in an effective and sustainable manner. Third, effective organizations strived to obtain high-quality volunteers. By following the three key characteristics outlined in this research, organizations are more likely to improve the efficiency and quality of their work. In addition, they will be less likely to impede the overall recovery process. Broby N , Lassetter JH , Williams M , Winters BA . Effective international medical disaster relief: a qualitative descriptive study. Prehosp Disaster Med. 2018;33(2):119-126.

  15. Higher bank capital requirements and mortgage pricing: evidence from the Counter-Cyclical Capital Buffer

    OpenAIRE

    Basten, Christoph; Koch, Cathérine

    2014-01-01

    We examine mortgage pricing before and after Switzerland was the first country to activate the Counter-Cyclical Capital Buffer of Basel III. Observing multiple mortgage offers per request, we obtain three core findings. First, capitalconstrained and mortgage-specialized banks raise their rates relatively more. Second, risk-weighting schemes supposed to discriminate against more risky borrowers do not amplify the effect of higher capital requirements. Third, CCB-subjected banks and CCB-exempt ...

  16. Mortgage Risk and the Yield Curve

    DEFF Research Database (Denmark)

    Malkhozov, Aytek; Mueller, Philippe; Vedolin, Andrea

    2016-01-01

    We study feedback from the risk of outstanding mortgage-backed securities (MBS) on the level and volatility of interest rates. We incorporate supply shocks resulting from changes in MBS duration into a parsimonious equilibrium dynamic term structure model and derive three predictions...

  17. 26 CFR 6a.103A-1 - Interest on mortgage subsidy bonds.

    Science.gov (United States)

    2010-04-01

    ... interest on a mortgage subsidy bond is includable in gross income and subject to Federal income taxation... the regulations thereunder. (4) Advance refunding. On or after December 5, 1980, no tax-exempt obligation may be issued for the advance refunding of a mortgage subsidy bond (determined without regard to...

  18. 24 CFR 207.252e - Method of payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 207.252e Section 207.252e Housing and Urban Development Regulations Relating to Housing... Premiums § 207.252e Method of payment of mortgage insurance premiums. In the cases that the Commissioner... mortgagees, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...

  19. 25 CFR 152.34 - Approval of mortgages and deeds of trust.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Approval of mortgages and deeds of trust. 152.34 Section 152.34 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR LAND AND WATER ISSUANCE OF PATENTS IN FEE, CERTIFICATES OF COMPETENCY, REMOVAL OF RESTRICTIONS, AND SALE OF CERTAIN INDIAN LANDS Mortgages and Deeds of Trust to Secure Loans to...

  20. The impact of possession on legality of mortgage registered on a building under construction: With case law

    Directory of Open Access Journals (Sweden)

    Vicković Tanja

    2016-01-01

    Full Text Available The expansion of the subject of a mortgage to buildings under construction is a considerable step forward in regulating mortgages. It is not possible to register ownership rights on buildings under construction. A person acquiring ownership does not have the possibility to protect his rights. Acquiring ownership rights to a building under construction is tied to possession. This is detrimental to the principle of publicity which in turn erodes the principle of reliance. Validity of the mortgage is tied to the possession over the mortgaged real estate at the time of its registration. Such position of the courts challenges the very essence of mortgage.

  1. Servicemembers Civil Relief Act: Information on Mortgage Protections and Related Education Efforts

    Science.gov (United States)

    2014-01-01

    activities; legal assistance attorneys provide counseling; and a number of outreach media , such as publications and websites, are aimed at informing...to servicemembers. DOD and the Consumer Federation of America also conduct the Military Saves Campaign every year, a social marketing campaign to...theft, and insurance scams targeted at servicemembers and their families. DOD established its financial education partnerships by signing memorandums

  2. 12 CFR 615.5570 - Book-entry procedures for Federal Agricultural Mortgage Corporation Securities.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Book-entry procedures for Federal Agricultural Mortgage Corporation Securities. 615.5570 Section 615.5570 Banks and Banking FARM CREDIT ADMINISTRATION... Federal Agricultural Mortgage Corporation Securities § 615.5570 Book-entry procedures for Federal...

  3. 75 FR 60352 - Notice of Proposed Rulemaking: Mortgage Acts and Practices - Advertising Rule

    Science.gov (United States)

    2010-09-30

    ... Acts and Practices - Advertising Rule AGENCY: Federal Trade Commission (FTC or Commission). ACTION...) relating to unfair or deceptive acts and practices that may occur with regard to mortgage advertising, the Mortgage Acts and Practices (MAP) - Advertising Rule (proposed rule). The proposed rule published for...

  4. 'Cognitive closure' in the Netherlands: mortgage securitization in a hybrid European political economy

    NARCIS (Netherlands)

    Aalbers, M.B.; Engelen, E.; Glasmacher, A.

    2011-01-01

    There is a strong case that mortgage-backed securities were at the root of the 2007 - 09 financial crisis. Even though geographers have convincingly demonstrated that loan origination is strongly locally rooted and that the fallout from the subprime mortgage crisis clearly had spatially

  5. 24 CFR 207.252c - Premiums-mortgages insured pursuant to section 238(c) of the Act.

    Science.gov (United States)

    2010-04-01

    .... All of the provisions of §§ 207.252 and 207.252a governing mortgage insurance premiums shall apply to... insurance premiums due on such mortgages in accordance with §§ 207.252 and 207.252a shall be calculated on... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Premiums-mortgages insured pursuant...

  6. Financial and estimating indicators for assessment of mortgage lending value

    Directory of Open Access Journals (Sweden)

    Antonio Benvenuti

    2013-08-01

    Full Text Available The article proposes a calculation criteria for the determination of the mortgage lending value which originates from the application of the financial method (direct capitalisation, by adopting a capitalisation rate calculated by means of the Debt Coverage Ratio (DCR, taking into consideration the criteria set out by the mortgage lending value, that is (i prudent appreciation of the future marketability, (ii normal and local market conditions, (iii current use and (iv long-term sustainability of the property.

  7. 26 CFR 1.162-19 - Capital contributions to Federal National Mortgage Association.

    Science.gov (United States)

    2010-04-01

    ... issuance price (the amount of capital contributions evidenced by a share of stock) over the fair market... sale to FNMA of mortgage paper gives rise to the issuance of a share of FNMA stock during a taxable... gain or loss from the sale to FNMA of mortgage paper, with respect to which a share of FNMA stock is...

  8. Varieties of indebtedness: Financialization and mortgage market institutions in Europe.

    Science.gov (United States)

    Van Gunten, Tod; Navot, Edo

    2018-02-01

    During the global housing boom that preceded the 2007-9 financial crisis, household debt increased substantially in many European countries, posing a challenge for literature on financialization and the institutional heterogeneity of mortgage markets. This paper examines recent institutional shifts in European mortgage markets and specifies three analytically distinct models of debt accumulation: inclusion, extension and intensity. While existing research has emphasized inclusion (access to homeownership), we show that financial intensification is an important determinant of cross-national variation in debt. We assess the variation in financial intensity in six European countries (France, Germany, Italy, the Netherlands, Portugal and Spain) using household-level survey data. Our results show that inclusion and expansion explain only part of the cross-national variation in mortgage debt to income ratios. Furthermore, household financial behavior is consistent with the financial intensity model, and variation in the degree of financial intensification explains a substantial portion of the cross-national difference in debt levels. Copyright © 2017 Elsevier Inc. All rights reserved.

  9. International and Russian practice of banking risk-management. Mortgage risks

    Directory of Open Access Journals (Sweden)

    A. V. Nikolaeva

    2016-01-01

    Full Text Available The goal of the work is to compare Russian norms and standards of risk management of mortgage lending with international standards of risk management based on the documents of the Basel Committee. The article also aims to analyze new banking tools of risk management of mortgage lending, that arise in connection with the application of international norms and standards of risk management.Materials and Methods: The main documents considered in the article are the agreements on capital, issued by the Basel Committee on Banking Supervision: Basel-I (1988, Basel-II (2004 and Basel-III (2010, as well as instructions and standing orders issued by the Central Bank of Russia, including: Instruction № 139-I "Ob obiazatel'nykh normativakh bankov", instruction № 1 "O poriadke regulirovaniia deiatel'nosti kommercheskikh bankov", the standing order number 215-P "O metodike opredeleniia sobstvennykh sredstv (kapitala kreditnykh organizatsii", the standing order № 395-P "O metodike opredeleniia velichiny sobstvennykh sredstv (kapitala kreditnykh organizatsii («BAZEL III»" and others. On the basis of these documents the work examines and summarizes the main methods of risk management of mortgage lending, such as: comparison and analysis of risk management techniques, study of the basic documents regulating risk management in banks and generalization of risk management methods in the segment of mortgage lending.Results: The article analyzes the legal and methodological basis of risk management and provides practical methods that can be used in practice for managerial decisions in a constantly changing external economic environment. It also analyses international and native risk management. Russian standards of risk-management are compared with international. The work conducts a critical review of the effects of introduction of international standards in Russia. Special attention is paid to the practice of mortgage risk

  10. The pre-positioning of warehouses at regional and local levels for a humanitarian relief organisation

    OpenAIRE

    Roh, Saeyeon; Pettit, Stephen John; Harris, Irina; Beresford, Anthony Kenneth Charles

    2015-01-01

    Using pre-positioned warehouses at strategic locations around the world is an approach commonly taken by some humanitarian relief organisations to improve their capacities to deliver sufficient relief aid within a relatively short time frame, and to provide shelter and assistance to disaster victims. Although research into the facility location problem is extensive in both theory and application, such approaches have received little attention from the humanitarian relief perspective. In this ...

  11. Liquidity Constraints and the Centralized Home Mortgage Policy in China

    DEFF Research Database (Denmark)

    Gao, Cixiu

    2017-01-01

    This paper investigates China's centralized mortgage policy in general, and evaluates the policy change in 2011: the minimum down payment was dramatically raised to 60% of the home price. Using our previously developed structural model, we recover the unobserved liquidity wealth levels of individ......This paper investigates China's centralized mortgage policy in general, and evaluates the policy change in 2011: the minimum down payment was dramatically raised to 60% of the home price. Using our previously developed structural model, we recover the unobserved liquidity wealth levels...

  12. Does Homeownership Counseling Affect the Prepayment and Default Behavior of Affordable Mortgage Borrowers?

    Science.gov (United States)

    Quercia, Roberto; Spader, Jonathan

    2008-01-01

    The lack of industry wide data on homeownership education and counseling (HEC) programs has severely limited evaluation. In particular, very little evidence exists on the relationship between HEC completion and loan prepayment, an outcome of interest to both mortgage lenders and consumer advocates. Where mortgage prepayment directly influences the…

  13. Mortgages, seniors and the common law contractual doctrine of mental incapacity in Australia.

    Science.gov (United States)

    Burns, Fiona

    2011-01-01

    Seniors in Australia are being called upon to mortgage their most precious economic asset, the family home. They may be asked to guarantee the liabilities of other family members by providing a mortgage-based guarantee or they may decide to enter into a reverse mortgage to supplement financially their savings and pensions. As the family home is the single most valuable asset for most older Australians, the creation of any obligations in regard to it ought to be undertaken with care and vigilance. While seniors are free to create mortgage, they may lack the capacity to understand the legal ramifications of these complex transactions or be unable to protect their interests when entering into them. It is not suggested that older Australians necessarily suffer a lack of contractual capacity. Many seniors are more than able to take care of their interests and assets. However, some seniors do suffer cognitive impairment which adversely affects their capacity to act in their best interests and to navigate the complexities of contractual relations. In contract and mortgage law, this raises the issue of mental incapacity. For centuries, the common law has recognized not only that mentally incapacitated people exist, but that they may enter into contracts such as mortgage and may later wish to have the mortgage set aside. The present formulation of the contractual doctrine of mental incapacity is the product of 19th century jurisprudence in which the courts framed the doctrine to accommodate commercial dealing rather than the interests of persons who lacked the necessary mental capacity. Accordingly, the doctrine has been very difficult to rely on successfully when challenging mortgages made by persons lacking capacity. Therefore, Australian litigators and courts alike have sought to deal with mental incapacity issues in the contractual context by using and modifying other doctrines (such as non est factum, undue influence and unconscionable dealing) in which the issue of

  14. 78 FR 64143 - 30-Day Notice of Proposed Information Collection: Contractor's Requisition-Project Mortgages

    Science.gov (United States)

    2013-10-25

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5683-N-88] 30-Day Notice of Proposed Information Collection: Contractor's Requisition--Project Mortgages AGENCY: Office of the Chief Information... Title of Information Collection: Contractor's Requisition--Project Mortgages. OMB Approval Number: 2502...

  15. 24 CFR 207.259a - Waiver of title objection; mortgages formerly Commissioner-held.

    Science.gov (United States)

    2010-04-01

    ... UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MULTIFAMILY HOUSING MORTGAGE INSURANCE Contract Rights and Obligations Rights and Duties of Mortgagee Under the Contract of Insurance § 207.259a Waiver of... any lien or other adverse interest that was senior to the mortgage on the date of the original sale of...

  16. Mortgage loans: an analysis of the portfolios of the largest banks in Brazil

    Directory of Open Access Journals (Sweden)

    Bruno Vinícius Ramos Fernandes

    2013-05-01

    Full Text Available Given the current macroeconomic environment experienced in Brazil, where inflation has stabilized and the basic interest rate of the economy is in one of their historical lows, demand for mortgages is increasing. In this context, the mortgage is presented with great emphasis to meet the demand for purchasing housing in addition to being a catalyst for the reduction of the high housing deficit. From a descriptive and empirical-analytic was analyzed the mortgage loan portfolio of the largest banks of the country between the years 2001 and 2010 through Quarterly Financial Information (IFT available on the Central Bank website. It was settled a comparative relationship between the data in order to check the development of mortgage portfolios over the years and the factors that influenced this evolution, and evaluate the timeliness and quality of those loans. For the evolution of the portfolio there was an economic context in which Brazil was included in the period, and observed that for most of these operations are long term the banks are more exposed to market risk. With regard to credit risk parse that, over the years, Brazilian banks are presenting a mortgage loan portfolio with lower risk, and it is found that institutions with real estate credits with higher levels of portfolio risk are subject to have higher losses on such operations in the possibility of default.

  17. 75 FR 29877 - Affordable Housing Program Amendments: Federal Home Loan Bank Mortgage Refinancing Authority

    Science.gov (United States)

    2010-05-28

    ...: Federal Home Loan Bank Mortgage Refinancing Authority AGENCY: Federal Housing Finance Agency. ACTION... Federal Housing Finance Agency (FHFA) to permit the Federal Home Loan Banks (Banks) until July 30, 2010... Mae), Federal Home Loan Mortgage Corporation (Freddie Mac) (collectively, Enterprises), the Banks, and...

  18. Administrative Relief for Grantees impacted by Hurricanes Harvey, Irma, and Maria

    Science.gov (United States)

    On October 26, 2017, the Office of Management and Budget issued the attached memorandum, Administrative Relief for Grantees impacted by Hurricanes, to provide Federal agencies with flexibility to assist their grant applicants and recipients.

  19. "When you're in a crisis like that, you don't want people to know": mortgage strain, stigma, and mental health.

    Science.gov (United States)

    Keene, Danya E; Cowan, Sarah K; Baker, Amy Castro

    2015-05-01

    We analyzed experiences of stigmatization, concealment, and isolation among African American homeowners who were experiencing mortgage strain. We conducted semistructured interviews between March 2012 and May 2013 with 28 African American homeowners in a northeastern US city who were experiencing mortgage strain. We coded all of the transcripts and reviewed data for codes relating to stigma, sharing information, social support, social isolation, and the meaning of homeownership. Our data showed that mortgage strain can be a concealable stigma. Participants internalized this stigma, expressing shame about their mortgage situation. Additionally, some participants anticipated that others would view them as less worthy given their mortgage trouble. In an effort to avoid stigmatization, many concealed their mortgage trouble, which often led to isolation. This stigmatization, concealment, and isolation seemed to contribute to participants' depression, anxiety, and emotional distress. Stigma may exacerbate stress associated with mortgage strain and contribute to poor mental health, particularly among upwardly mobile African Americans who have overcome significant structural barriers to home ownership. Reducing stigma associated with mortgage strain may help to reduce the health consequences of this stressful life event.

  20. Dissaving of the Past via Reverse Mortgages

    Directory of Open Access Journals (Sweden)

    Ana Luiza Champloni

    Full Text Available We build a simple two-period general equilibrium model with incomplete markets which incorporates reverse market mortgages without appealing to the complicated framework required by the infinite horizon models. Two types of agents are considered: elderly agents and investors. The former are owners of physical assets (for instance housing who will want to sell them to investors. For that end the elderly agents, who are assumed to not have any bequest motive, issue claims against physical assets they own. One of the claims issued will be interpreted as reverse mortgage (loan for seniors and the other one as a call option written on the value of housing equity. By assuming that both the elderly agents and the investors are price takers, and by applying the generalized game approach, we show that the equilibrium in this economy always exists, providing the usual conditions on utilities and initial endowments are satisfied. We end with a remark on efficiency of the quilibrium.

  1. Policy Incentives and the Extension of Mortgage Credit: Increasing Market Discipline for Subprime Lending

    Science.gov (United States)

    An, Xudong; Bostic, Raphael W.

    2009-01-01

    The lax underwriting in non-prime mortgage markets is widely perceived as one cause of the recent difficulties in the housing market. Policymakers are currently considering moves such as enforcing more careful underwriting to provide additional discipline to mortgage markets. This research explores the possibility of another approach to supplement…

  2. 24 CFR 206.51 - Eligibility of mortgages involving a dwelling unit in a condominium.

    Science.gov (United States)

    2010-04-01

    ... a dwelling unit in a condominium. 206.51 Section 206.51 Housing and Urban Development Regulations...; Endorsement Eligible Properties § 206.51 Eligibility of mortgages involving a dwelling unit in a condominium. If the mortgage involves a dwelling unit in a condominium, the project in which the unit is located...

  3. 12 CFR 226.35 - Prohibited acts or practices in connection with higher-priced mortgage loans.

    Science.gov (United States)

    2010-01-01

    ..., and other loan pricing terms currently offered to consumers by a representative sample of creditors for mortgage transactions that have low-risk pricing characteristics. The Board publishes average... and premiums for mortgage-related insurance required by the creditor, such as insurance against loss...

  4. 76 FR 71797 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Investments and...

    Science.gov (United States)

    2011-11-18

    ... diligence procedures that are required for investments, but we do not intend to change the fundamental... Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Investments and Liquidity... Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Investments and Liquidity Management AGENCY...

  5. The Exposure of Mortgage Borrowers to Interest Rate Risk, Income Risk and House Price Risk – Evidence from Swiss Loan Application Data

    OpenAIRE

    Guin, Benjamin; Brown, Martin

    2015-01-01

    We study the exposure of mortgage borrowers in Switzerland to interest rate, income and house price risks and examine how the households’ choice of risky mortgages is related to individual interest rate expectations and risk-aversion. Our analysis is based on a unique data set of household mortgage applications from September 2012 until January 2014. Our assessment of risk exposure among mortgage borrowers in Switzerland is highly sensitive to the underlying assumptions on mortgage costs, hou...

  6. MODEL PEMBAYARAN GRADUATED PAYMENT MORTGAGE (GPM SEBAGAI SALAH SATU ALTERNATIF PEMBAYARAN KREDIT RUMAH

    Directory of Open Access Journals (Sweden)

    Njo Anastasia

    2003-01-01

    Full Text Available The Graduated Payment Mortgage (GPM has a unique stair-step payment schedule that often enhances borrower qualification for young, first-time home buyers who are anticipated to have increasing incomes. The determination of the initial payment on a GPM mortgage is often regarded as complex; therefore, textbook authors especially financial real estate normally disregard its theoretical development and substitute instead GPM interest factor tables. This study develops a general equation for finding the initial payment on a GPM and programmable computer spreadsheets (Microsoft Excel routines for implementing the general equation. This approach enhances the technical understanding of the GPM, and its offer more flexible. Abstract in Bahasa Indonesia : Model Graduated Payment Mortgage (GPM memiliki keunikan dalam pembayaran pinjaman yang dapat membantu peminjam usia muda, pembeli rumah pertama yang dapat diantisipasi pertambahan pendapatannya. Pembayaran cicilan pertama GPM sangat kompleks, sehingga pada umumnya buku-buku tentang keuangan real estat menetapkan pola pembayaran GPM menggunakan tabel suku bunga. Penelitian ini mengembangkan pola pembayaran cicilan pertama GPM menggunakan program komputer (Microsoft Excel untuk lebih fleksibel dalam penerapannya. Kata kunci: graduated payment mortgage, cicilan pertama, tabel suku bunga, komputer.

  7. 12 CFR 226.39 - Mortgage transfer disclosures.

    Science.gov (United States)

    2010-01-01

    ... to the loan or it is assigned to the servicer solely for the administrative convenience of the servicer in servicing the obligation. (2) A “mortgage loan” means any consumer credit transaction that is secured by the principal dwelling of a consumer. (b) Disclosure required. Except as provided in paragraph...

  8. Measured Maritime Responses to Disaster Relief Scenarios in the Pacific

    Science.gov (United States)

    2012-12-01

    command center. USS TORTUGA assisted the Japanese Ground Self Defense Force (JGSDF) by moving nearly 100 vehicles and 300 SDF personnel from Hokkaido to...northern Honshu and thus facilitated faster relief. Subsequently, TORTUGA became the flagship for Task Group 776.36, a port clearance group that

  9. Energy-efficient mortgages and home energy rating systems: A report on the nation`s progress

    Energy Technology Data Exchange (ETDEWEB)

    Farhar, B.C.; Eckert, J.

    1993-09-01

    This report summarizes progress throughout the nation in establishing voluntary programs linking home energy rating systems (HERS) and energy-efficient mortgages (EEMs). These programs use methods for rating the energy efficiency of new and existing homes and predicting energy cost savings so lenders can factor in energy cost savings when underwriting mortgages. The programs also encourage lenders to finance cost-effective energy-efficiency improvements to existing homes with low-interest mortgages or other instruments. The money saved on utility bills over the long term can more than offset the cost of such energy-efficiency improvements. The National Collaborative on HERS and EEMs recommended that this report be prepared.

  10. Education Levels and Mortgage Application Outcomes: Evidence of Financial Literacy. Discussion Paper No. 1369-09

    Science.gov (United States)

    Collins, J. Michael

    2009-01-01

    This paper uses 2005 Home Mortgage Disclosure Act data aggregated by census tract to measure the relationship between census tract-level college completion rates and the rates at which first lien refinance mortgage applicants submit incomplete loan applications, withdraw loan applications before they are reviewed, and reject lender approved loan…

  11. Contagion in International Stock Markets during the Sub Prime Mortgage Crisis

    Directory of Open Access Journals (Sweden)

    Hsien-Yi Lee

    2012-01-01

    Full Text Available The sub prime mortgages crises took place in July, 2007 in US which causes the large scare in the global financial markets, and the international stock and foreign market suffer heavy shock. Using twenty international stock indexes, this study examines whether any contagion effect occurred across international markets after the sub-prime financial mortgage crisis in US. Using the heteroscedasticity biases based on correlation coefficients to examine the existence of the contagion effect, this study shows that stock markets of some countries (namely Hong Kong, Taiwan, Australia and New Zealand did suffer from the contagion effect.

  12. FEATURES OF PRICING OF THE MORTGAGE MARKET IN THE RUSSIAN FEDERATION AND THE REPUBLIC OF MOLDOVA (Part 1

    Directory of Open Access Journals (Sweden)

    Tatiana KASYANENKO

    2016-07-01

    Full Text Available The relevance of the study is determined by the importance of the market of mortgage loans as the main instrument of social policy. The aim of the article is to identify the relationship between the volume of mortgage loans and the value of residential real estate on both the primary and secondary markets. The article consists of two parts. The main objective of the first part of this article is to clarify the concepts and features of mortgage loans, and identification of peculiarities of mortgage loans in the Russian Federation and the Republic of Moldova. The methodological basis of the work is made up of methods of analysis and synthesis, the combination of logical and historical approaches, methods of economic comparison and statistical analysis. The result of the study of the first part of the article is to identify the stages of development of mortgage loans in the Russian Federation, an analysis of prices in the primary and secondary markets of residential property on the basis of aggregate statistical indicators that reflect the status and characteristics of the housing market. The Russian experience is correlated with the peculiarities of the development of the mortgage market in the Republic of Moldova.

  13. 24 CFR 203.390 - Waiver of title-mortgages or property formerly held by the Secretary.

    Science.gov (United States)

    2010-04-01

    ... UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and... conveyed to him, he will not object to title by reason of any lien or other adverse interest that was... mortgage is later conveyed to the Secretary, the Secretary will not object to title by reason of any lien...

  14. Preliminary development of an advanced modular pressure relief cushion: Testing and user evaluation.

    Science.gov (United States)

    Freeto, Tyler; Mitchell, Steven J; Bogie, Kath M

    2018-02-01

    Effective pressure relief cushions are identified as a core assistive technology need by the World Health Organization Global Cooperation on Assistive Technology. High quality affordable wheelchair cushions could provide effective pressure relief for many individuals with limited access to advanced assistive technology. Value driven engineering (VdE) principles were employed to develop a prototype modular cushion. Low cost dynamically responsive gel balls were arranged in a close packed array and seated in bilayer foam for containment and support. Two modular cushions, one with high compliance balls and one with moderate compliance balls were compared with High Profile and Low Profile Roho ® and Jay ® Medical 2 cushions. ISO 16480-2 biomechanical standardized tests were applied to assess cushion performance. A preliminary materials cost analysis was carried out. A prototype modular cushion was evaluated by 12 participants who reported satisfaction using a questionnaire based on the Quebec User Evaluation of Satisfaction with Assistive Technology (QUEST 2.0) instrument. Overall the modular cushions performed better than, or on par with, the most widely prescribed commercially available cushions under ISO 16480-2 testing. Users rated the modular cushion highly for overall appearance, size and dimensions, comfort, safety, stability, ease of adjustment and general ease of use. Cost-analysis indicated that every modular cushion component a could be replaced several times and still maintain cost-efficacy over the complete cushion lifecycle. A VdE modular cushion has the potential provide effective pressure relief for many users at a low lifetime cost. Copyright © 2017. Published by Elsevier Ltd.

  15. 12 CFR 226.33 - Requirements for reverse mortgages.

    Science.gov (United States)

    2010-01-01

    ... dwelling; and (2) Any principal, interest, or shared appreciation or equity is due and payable (other than... terms, charges, the age of the youngest borrower and the appraised property value. (4) Explanation of... part of the reverse mortgage transaction. (3) Additional creditor compensation. Any shared appreciation...

  16. Digitally-Assisted Stone Carving of a Relief Sculpture for the Parliament Buildings National Historic Site of Canada

    Science.gov (United States)

    Hayes, J.; Fai, S.; Kretz, S.; Ouimet, C.; White, P.

    2015-08-01

    The emerging field of digital fabrication is a process where three-dimensional datasets can be directly transferred to fabrication equipment to create models or even 1:1 building elements. In this paper, we will discuss the results of a collaboration between the Carleton Immersive Media Studio (CIMS), the Dominion Sculptor of Canada, and the Heritage Conservation Directorate (HCD) of Public Works and Government Services Canada (PWGSC), that utilizes digital fabrication technologies in the development of a digitally-assisted stone carving process. The collaboration couples the distinguished skill of the Dominion Sculptor with the latest digital acquisition and digital fabrication technologies for the reconstruction of a deteriorated stone bas-relief on the façade of the East Block building of the Parliament Buildings National Historic Site of Canada. The intention of the research is to establish a workflow of hybrid digital/analogue methodologies from acquisition through rehabilitation and ultimately to the fabrication of stone elements.

  17. 38 CFR 21.5290 - Educational Assistance Pilot Program.

    Science.gov (United States)

    2010-07-01

    ... Pilot Program. 21.5290 Section 21.5290 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS... Assistance Under 38 U.S.C. Chapter 32 Educational Assistance Pilot Program § 21.5290 Educational Assistance Pilot Program. (a) Purpose. The Educational Assistance Pilot Program is designed to encourage...

  18. 75 FR 51623 - Registration of Mortgage Loan Originators

    Science.gov (United States)

    2010-08-23

    ... online registration system, the Nationwide Mortgage Licensing System and Registry (Registry). \\1\\ The S.A... benefit only small institutions. \\24\\ 12 U.S.C. 2801 et seq. \\25\\ See 12 CFR 203.2 (Regulation C). Other... limit--rendering gaming opportunities essentially unrealistic. Many commenters noted the complexity of...

  19. 77 FR 56857 - Notice of Proposed Information Collection for Public Comment; Public Housing Mortgage Program and...

    Science.gov (United States)

    2012-09-14

    ... of the loan resulting from the mortgage or security interest are used for low-income housing uses... mortgage or security interest in any public housing real estate or other assets, a proposal must be submitted to HUD. After approval and execution of any legal documents associated with the loan and related...

  20. 77 FR 70175 - Notice of Submission of Proposed Information Collection to OMB; Public Housing Mortgage Program...

    Science.gov (United States)

    2012-11-23

    ... public housing real property or grant a security interest in other tangible forms of personal property if the proceeds of the loan resulting from the mortgage or security interest are used for low- income..., October 21, 1998) added Section 30, Public Housing Mortgages and Security Interest, to the United States...

  1. Housing Finance in Ghana: Can Community Mortgage Cooperatives ...

    African Journals Online (AJOL)

    There is insufficient housing in Ghana. Available houses are mostly poorly developed and lack the basic amenities required to make them habitable. The growth of households is in excess of housing growth resulting in housing deficit in the country. The formal finance institutions have supplied very little mortgages to ...

  2. The Informal Sector and Mortgage Financing in Ghana

    African Journals Online (AJOL)

    with some increment prior to first payment completion and flexible collateral ... it presupposes that any policy intervention may be a failure once the informal ... While inflation had remained slightly stable keeping interest rates also slightly firm, the ..... discussed earlier, the mortgage system as pertains in Ghana is very formal ...

  3. Minimizing predatory lending: Designing a long-term compensation structure to minimize the actions of opportunistic mortgage brokers

    Directory of Open Access Journals (Sweden)

    Patrick Payne

    2013-07-01

    Full Text Available This paper addresses the inadequacies in the current compensation structure for mortgage brokers, and asserts that the resulting opportunistic behavior by brokers played a major role in the 2008 collapse of the mortgage market. We utilize agency theory as an underpinning to suggest that increased regulation will have only a limited impact on self-serving behavior due to the complex information asymmetries possessed by brokers. We posit that a restructured long-term compensation package would be effective in aligning the interests of borrowers and brokers, ultimately reducing the level of mortgage defaults and foreclosures.

  4. The financialization of home and the mortgage market crisis

    NARCIS (Netherlands)

    Aalbers, M.B.

    2008-01-01

    Financialization can be characterized as capital switching from the primary, secondary or tertiary circuit to the quaternary circuit of capital. Housing is a central aspect of financialization. The financialization of mortgage markets demands that not just homes but also homeowners become viewed as

  5. Survey data on factors affecting negotiation of professional fees between Estate Valuers and their clients when the mortgage is financed by bank loan: A case study of mortgage valuations in Ikeja, Lagos State, Nigeria.

    Science.gov (United States)

    Iroham, Chukwuemeka O; Okagbue, Hilary I; Ogunkoya, Olalekan A; Owolabi, James D

    2017-06-01

    In this article, two sets of questionnaires were administered to professionals and clients (commercial banks) on their willingness to negotiate the professional fees charged by the Estate Valuers assuming that the mortgage in valuation was financed by bank loan. A range of fees options were provided. Other factors such as the business environment and mortgage valuation can influence the negotiated fees when the data obtained from the survey data is analyzed.

  6. SPILLOVER EFFECTS OF THE SUB-PRIME MORTGAGE CRISIS TO THE ASIAN STOCK MARKETS

    Directory of Open Access Journals (Sweden)

    Esta Lestari

    2014-10-01

    Full Text Available AbstractThis paper aims to analyze the effects of the sub-prime mortgage crisis on several Asian stock markets. An Exponential Generalized Autoregressive Conditional Heteroscedasticity (EGARCH model is employed to provide an empirical evidence of the direct spillover. The indirect effect is measured through the spillover effects from the increased volatility in the U.S. stock markets to the Asian stock markets. The results showed that the market integration occurs within Asian stock markets. Meanwhile the asymmetric effects are evident for all the Asian countries stock markets, indicating that financial markets in Asia are suffered more from negative news (shocks lead to more volatilities compared to positive news. Keywords: Stock market, sub-prime mortgage crisis, volatility, spillover effectJEL classification numbers: C22, F36, G15AbstrakPaper ini bertujuan untuk menganalisis pengaruh krisis sub-prime mortgage pada beberapa pasar saham Asia. Model Exponential Generalized Autoregressive Conditional Heteroscedasticity (EGARCH digunakan untuk mendapatkan bukti empiris dari kenaikan volatilitas dalam pasar saham Amerika pada pasar-pasar saham Asia. Hasil analisis memperlihatkan bahwa integrasi pasar terjadi di dalam pasar saham Asia. Sementara itu, pengaruh asimetris terbukti terjadi di pasar-pasar saham Asia, mengindikasikan bahwa pasar-pasar keuangan di Asia menderita lebih parah sebagai akibat dari kejutan negatif dibandingkan dengan dampak dari kejutan positif.Kata kunci: Pasar saham, krisis sub-prime mortgage, volatilitas, pengaruh spillover JEL classification numbers: C22, F36, G15

  7. Food provision among food relief agencies in rural Australia, and perceived barriers and enablers to provide healthy food.

    Science.gov (United States)

    Bortolin, Natalia; Priestly, Jaqueline; Sangster, Janice

    2018-04-01

    Food insecurity affects 4-14% of Australians, and up to 82% of vulnerable groups. Food relief agencies commonly provide food parcels or food vouchers. Little research has been undertaken on food relief agencies within rural Australia. This study determined the type of food assistance provided by rural food relief agencies, and barriers and enablers to provide healthy food. Cross-sectional study, using telephone questionnaires with qualitative and quantitative aspects. Data were analysed using descriptive statistics and thematic analysis. Rural New South Wales, Australia. Representatives of 10 food relief agencies. Types of food assistance and food provided, and the barriers and enablers to provide healthy food to clients. Most agencies provided food hampers and perishable and non-perishable food. Rural food relief agencies had a greater capacity to provide non-perishable compared to perishable food. Grains, breads and cereals, and canned fruit and vegetables were most popular. Nine key themes emerged including 'Ability to purchase and provide healthy food', 'Ability to regulate food purchased or chosen by clients', 'Financial constraints of the agency' and 'Lack of storage'. There are many variables to consider in order to understand the capacity of rural food relief agencies to provide healthy food. There are also opportunities for food relief agencies to appraise current practices and make changes. Initiatives to improve storage facilities and food availability are key and include networking with local businesses, community organisations and government. Rural food relief agency clients could benefit from accessing food literacy and health programs like FoodREDi, OzHarvest NEST and SecondBite Fresh NED. © 2017 National Rural Health Alliance Inc.

  8. Institutional racism and pregnancy health: using Home Mortgage Disclosure act data to develop an index for Mortgage discrimination at the community level.

    Science.gov (United States)

    Mendez, Dara D; Hogan, Vijaya K; Culhane, Jennifer

    2011-01-01

    We used Home Mortgage Disclosure Act (HMDA) data to demonstrate a method for constructing a residential redlining index to measure institutional racism at the community level. We examined the application of the index to understand the social context of health inequities by applying the residential redlining index among a cohort of pregnant women in Philadelphia. We used HMDA data from 1999-2004 to create residential redlining indices for each census tract in Philadelphia County, Pennsylvania. We linked the redlining indices to data from a pregnancy cohort study and the 2000 Census. We spatially mapped the levels of redlining for each census tract for this pregnancy cohort and tested the association between residential redlining and other community-level measures of segregation and individual health. From 1999-2004, loan applicants in Philadelphia County, Pennsylvania, of black race/ethnicity were almost two times as likely to be denied a mortgage loan compared with applicants who were white (e.g., 1999 odds ratio [OR] = 2.00, 95% confidence interval [CI] 1.63, 2.28; and 2004 OR=2.26, 95% CI 1.98, 2.58). The majority (77.5%) of the pregnancy cohort resided in redlined neighborhoods, and there were significant differences in residence in redlined areas by race/ethnicity (pracism may contribute to our understanding of health disparities. Residential redlining and mortgage discrimination against communities may be a major factor influencing neighborhood structure, composition, development, and wealth attainment. This residential redlining index as a measure for institutional racism can be applied in health research to understand the unique social and neighborhood contexts that contribute to health inequities.

  9. Survey data on factors affecting negotiation of professional fees between Estate Valuers and their clients when the mortgage is financed by bank loan: A case study of mortgage valuations in Ikeja, Lagos State, Nigeria

    Directory of Open Access Journals (Sweden)

    Chukwuemeka O. Iroham

    2017-06-01

    Full Text Available In this article, two sets of questionnaires were administered to professionals and clients (commercial banks on their willingness to negotiate the professional fees charged by the Estate Valuers assuming that the mortgage in valuation was financed by bank loan. A range of fees options were provided. Other factors such as the business environment and mortgage valuation can influence the negotiated fees when the data obtained from the survey data is analyzed.

  10. Alternative medicine - pain relief

    Science.gov (United States)

    Acupuncture - pain relief; Hypnosis - pain relief; Guided imagery - pain relief ... neck, shoulder, knee, or elbow) Osteoarthritis Rheumatoid arthritis Hypnosis is a focused state of concentration. With self- ...

  11. Mortgage Loan Portfolio Optimization Using Multi-Stage Stochastic Programming

    DEFF Research Database (Denmark)

    Rasmussen, Kourosh Marjani; Clausen, Jens

    2007-01-01

    We consider the dynamics of the Danish mortgage loan system and propose several models to reflect the choices of a mortgagor as well as his attitude towards risk. The models are formulated as multi stage stochastic integer programs, which are difficult to solve for more than 10 stages. Scenario...

  12. Stochastic optimization of subprime residential mortgage loan funding and its risks / by B. de Waal

    OpenAIRE

    De Waal, Bernadine

    2010-01-01

    The subprime mortgage crisis (SMC) is an ongoing housing and nancial crisis that was triggered by a marked increase in mortgage delinquencies and foreclosures in the U.S. It has had major adverse consequences for banks and nancial markets around the globe since it became apparent in 2007. In our research, we examine an originator's (OR's) nonlinear stochastic optimal control problem related to choices regarding deposit inflow rates and marketable securities allocation. Here, ...

  13. 78 FR 78519 - Appraisals for Higher-Priced Mortgage Loans

    Science.gov (United States)

    2013-12-26

    ... where the holder of the credit risk of the existing obligation remains the same on the refinancing. The....'' Specifically, new TILA section 129H prohibits a creditor from extending credit in the form of a ``higher-risk... rule.\\8\\ The term ``higher-risk mortgage'' generally encompasses a closed-end consumer credit...

  14. 26 CFR 1.25-3T - Qualified mortgage credit certificate (Temporary).

    Science.gov (United States)

    2010-04-01

    ... providing the mortgage or to the issuer of the certificate containing a material misstatement and such misstatement is due to fraud. In determining whether any misstatement is due to fraud, the rules generally...

  15. 75 FR 9247 - Single Family Mortgage Insurance Premium, Single Family

    Science.gov (United States)

    2010-03-01

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-13] Single Family Mortgage Insurance Premium, Single Family AGENCY: Office of the Chief Information Officer, HUD. ACTION: Notice... is soliciting public comments on the subject proposal. Lenders use the Single Family Premium...

  16. New Impetus for Several General Assistance Programs.

    Science.gov (United States)

    Reeder, Rick

    1999-01-01

    Describes 1999 federal funding to large general-assistance programs affecting small towns and rural areas (including Housing and Urban Development, federal disaster relief, rural extension activities, and Bureau of Indian Affairs assistance programs); increased funding for Empowerment Zones/Enterprise Communities; reauthorization of the Economic…

  17. 26 CFR 20.2053-7 - Deduction for unpaid mortgages.

    Science.gov (United States)

    2010-04-01

    ... valuation method under section 2032 is selected. In any case where real property situated outside the United... amount of a mortgage upon, or of any other indebtedness in respect of, any property of the gross estate, including interest which had accrued thereon to the date of death, provided the value of the property...

  18. 38 CFR 3.714 - Improved pension elections-public assistance beneficiaries.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Improved pension elections-public assistance beneficiaries. 3.714 Section 3.714 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS ADJUDICATION Pension, Compensation, and Dependency and Indemnity Compensation...

  19. [Disaster relief through inter-professional collaboration --from the standpoint of a dietitian].

    Science.gov (United States)

    Inamura, Yukiko

    2013-01-01

    The present study examined disaster relief efforts by registered and other dietitians following the Great East Japan Earthquake to identify related problems. Based on this, the study discussed what is required to develop a "disaster relief system through inter-professional collaboration" to cope with unanticipated disasters. On March 15, 2011, the Japan Dietetic Association (JDA) independently established the "Great East Japan Earthquake relief emergency headquarters". The association along with these volunteers was committed to the establishment of a system for disaster relief activities with the support of Iwate, Miyagi, and Fukushima Prefectures: the number of registered volunteers was 978; a total of 1,588 dietitians were dispatched; and 602 became involved in relief work in the disaster-stricken areas. Registered and other dietitians dispatched for disaster relief provided support and home care for evacuation centers, elderly facilities, and temporary housing, including dietary and nutrition advice and consultation, in cooperation and collaboration with administrative dietitians in disaster areas, registered and other dietitians of disaster headquarters in disaster-stricken prefectures, the Primary Care for All Teams (PCAT) of the Japan Primary Care Association, disaster medical assistance teams (DMATs), and volunteer groups. Through the course of the relief activities, the following problems were identified: difficulties in responding to varying needs in different phases, nutritional measures (population-based and high-risk approaches), nutritional disparities among evacuation centers, necessity of a section to collect ever-changing information on disaster areas in a comprehensive manner, importance of working cooperatively to establish a support system, and differences in volunteers' support skills. To facilitate disaster relief through inter-professional collaboration, it is necessary for many different organizations to understand each other's capabilities

  20. Mortgage finance in Central and Eastern Europe : Opportunity or burden?

    NARCIS (Netherlands)

    Beck, T.H.L.; Kibuuja, K.; Tiongson, E.; Cull, R.; Demirguc-Kunt, A.; Murdoch, J.

    2012-01-01

    Household credit, especially for mortgages, has doubled over the past years in the new European Union member countries, raising concerns about the economic and social consequences of household indebtedness in the event of a macroeconomic crisis. Using household survey data for 2005, 2006, and 2007

  1. The role of government and financial institutions during a housing market crisis : a case study of the Netherlands

    NARCIS (Netherlands)

    Boelhouwer, P.J.

    2017-01-01

    The generous mortgage tax relief enjoyed in the Netherlands and the possible existence of a house price bubble cannot explain the sharp decrease of house prices in the Netherlands in the period from 2011–2013. This sharp decline can, however, be explained by the rigorous adjustments to mortgage

  2. 24 CFR 221.795 - Displacement-below market interest rate mortgages.

    Science.gov (United States)

    2010-04-01

    ... Rights and Obligations-Moderate Income Projects § 221.795 Displacement—below market interest rate... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Displacement-below market interest rate mortgages. 221.795 Section 221.795 Housing and Urban Development Regulations Relating to Housing...

  3. The efficacy of online communication platforms for plastic surgeons providing extended disaster relief.

    Science.gov (United States)

    Fan, Kenneth L; Avashia, Yash J; Dayicioglu, Deniz; DeGennaro, Vincent A; Thaller, Seth R

    2014-04-01

    Immediately after the January 2010 earthquake in Haiti, plastic surgeons provided disaster relief services through the University of Miami Miller School of Medicine for 5 months. To improve surgical care and promote awareness of plastic surgery's role in humanitarian assistance, an online communication platform (OCP) was initiated. An OCP is a Web-based application combining Web blogging, picture uploading, news posting, and private messaging systems into a single platform. The purpose of this study was to analyze the use of OCP during disaster relief. Surgeries performed during the period from January 13 to May 28, 2010, were documented. The OCP was established with 4 priorities: ease of use, multimedia integration, organization capabilities, and security. Web traffic was documented. A 17-question survey was administered to 18 plastic surgeons who used the OCP after 1 year to assess their attitudes and perceptions. From January 13 to May 28, 2010, 413 operations were performed at the field hospital. Of the overall number of procedures, 46.9% were performed by plastic surgery teams. In a year, beginning from January 12, 2011, the OCP had 1117 visits with 530 absolute unique visitors. Of 17 plastic surgeons, 71% responded that the OCP improved follow-up and continuity of care by debriefing rotating plastic surgery teams. One hundred percent claimed that the OCP conveyed the role of plastic surgeons with the public. Results demonstrate the necessity of OCP during disaster relief. Online communication platform permitted secure exchange of surgical management details, follow-up, photos, and miscellaneous necessary recommendations. Posted experiences and field hospital progress assisted in generating substantial awareness regarding the significant role and contribution played by plastic surgeons in disaster relief.

  4. INFLUENCE OF MORTGAGE RATES PRICE FORMATION ON THE PRIMARY HOUSING MARKET

    Directory of Open Access Journals (Sweden)

    Nikolay I. Kornilov

    2015-01-01

    Full Text Available The article considers relationship of pricesin the primary market, depending on theregional origin and type of home, with thevalue of mortgage rates. Assesses thestrength of such a relationship and thepossible effects of changes in such rates.

  5. The Impact of Financial Sophistication on Adjustable Rate Mortgage Ownership

    Science.gov (United States)

    Smith, Hyrum; Finke, Michael S.; Huston, Sandra J.

    2011-01-01

    The influence of a financial sophistication scale on adjustable-rate mortgage (ARM) borrowing is explored. Descriptive statistics and regression analysis using recent data from the Survey of Consumer Finances reveal that ARM borrowing is driven by both the least and most financially sophisticated households but for different reasons. Less…

  6. 75 FR 35030 - Home Mortgage Disclosure Act; Notice of Hearings

    Science.gov (United States)

    2010-06-21

    ..., ethnicity, sex, and annual income of the loan applicant; action taken on the loan application (approved... Required lenders to ask applicants their ethnicity, race, and sex in applications taken by telephone. In... requirements to the definition of ``higher-priced mortgage loan'' adopted by the Board under Regulation Z...

  7. Carrington Real Estate Services, LLC and Carrington Mortgage Services, LLC Information Sheet

    Science.gov (United States)

    Carrington Real Estate Services, LLC and Carrington Mortgage Services, LLC (the Company) is located in Anaheim, California. The settlement involves the sale of properties constructed prior to 1978, located in Bakersfield and Ridgecrest, California.

  8. Getting sick and falling behind: health and the risk of mortgage default and home foreclosure.

    Science.gov (United States)

    Houle, Jason N; Keene, Danya E

    2015-04-01

    An emerging literature shows that mortgage strain can lead to poor health outcomes, but less work has focused on whether and how health shocks influence mortgage distress. We examine the link between changes in health status and default/foreclosure risk among older middle-aged adults. We used National Longitudinal Study of Youth 1979 data and multivariate logistic regression models to examine the relationship between changes in health limitations and chronic conditions across survey waves and risk of mortgage default and foreclosure. We found that changes in health limitations and chronic conditions increased the risk of default and foreclosure between 2007 and 2010. These associations were partially mediated by changes in family income and loss of health insurance. From a policy perspective, the strong link between the onset of illness and foreclosure suggests a need to re-examine the safety-nets that are available to individuals who become ill or disabled. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://group.bmj.com/group/rights-licensing/permissions.

  9. 75 FR 41875 - Technical Processing Requirements for Multifamily Project Mortgage Insurance

    Science.gov (United States)

    2010-07-19

    ... is used to determine if key principals are acceptable and have the ability to manage the development... principals are acceptable and have the ability to manage the development, construction, completion, and... Requirements for Multifamily Project Mortgage Insurance AGENCY: Office of the Chief Information Officer, HUD...

  10. The role of mortgages and consumer credit in the business cycle

    NARCIS (Netherlands)

    Sterk, V.

    2011-01-01

    Many households rely on mortgages and consumer credit to finance their expenditures. Lenders usually impose certain conditions on loans, such as limits on the amounts that can be borrowed. Conventional intuition suggests that such conditions are important for our understanding of the business cycle,

  11. Animal-Assisted Stress Reduction Programs in Higher Education

    Science.gov (United States)

    Haggerty, Julie M.; Mueller, Megan Kiely

    2017-01-01

    This study investigated the prevalence of increasingly popular animal-assisted stress relief programs at higher education institutions across the United States. Although research on animal-assisted programs is increasing, there is still a lack of information documenting implementation of these programs. Therefore, the purpose of this study was to…

  12. Ameliorating Local Impacts with Architectural Research: Subprime Mortgages & Housing Quality

    Directory of Open Access Journals (Sweden)

    Lynne M. Dearborn

    2012-10-01

    Full Text Available Shock waves from the current housing crisis that still echo through Wall Street’s largest financial firms, not only have threatened to topple financial markets and drive the country into a depression, but have also undermined the all-time high home ownership rate in the United States. The most attention-grabbing dimensions and headlines of the current crisis seem to be the staggering losses incurred by the likes of Bear Sterns and Citigroup, and the demise of some of the large corporations such as Washington Mutual. However, the real crisis is not on Wall Street or in the banking sector, but in low- and moderate-income and minority homes and neighborhoods throughout the country. At least ten years before the present subprime foreclosure crisis became mainstream news, these marginalized communities were feeling the negative effects of mortgage fraud and predatory lending practices occurring with regularity in the subprime market. This paper discusses an ongoing study of Subprime Lending, Mortgage Fraud and Housing Quality in process since 2002. This four-part study has employed foreclosure data with statistical and mapping analysis, detailed interviews with victims of predatory lending, systematic documentation of the resulting housing environments, and documentation of property improvements in light of victims’ legal settlements. While subprime lending has supported the expansion of homeownership in the United States, this on-going study suggests that this expansion has sometimes been at the expense of safe, code-compliant living environments forlow-income, minority and elderly homeowners. Some of the victims of predatory lending and mortgage fraud have sought legal redress through the courts but many have suffered personal financial, health, emotional, and family crises as well. The current broad-scale discussion of the topic has given attention to the lack of regulation facilitating these unethical practices, but it is unclear that current

  13. Asset Depletion, Chronic Financial Stress, and Mortgage Trouble Among Older Female Homeowners.

    Science.gov (United States)

    Castro Baker, Amy; West, Stacia; Wood, Anna

    2017-09-08

    The Great Recession disproportionately impacted older adults and women of color, suggesting that women may be entering retirement without adequate assets. However, the current literature lacks a detailed account of women's experiences of mortgage trouble and foreclosure, as well as a longitudinal view of how these experiences impacted their overall financial assets. Grounded in cumulative inequality theory, this mixed methods study employed a QUAL→quan approach to gather qualitative data from a sample of 21 older adult women regarding their experiences of mortgage trouble. Quantitative longitudinal data was gathered for a subsample of the Early Baby Boomer Cohort using the Health and Retirement Study. Qualitative findings indicated women approaching retirement experienced chronic underemployment, wage stagnation, and financial volatility as contributors to asset depletion and eventual mortgage default or foreclosure. Quantitative results indicated asset depletion both during and post-Recession was considerably more pronounced among older adult women of color compared to older adult White men. These findings suggest that a lifetime of financial disadvantage coupled with macroeconomic instability situates older adult women, particularly women of color, in a financially vulnerable position for retirement. The ways in which 2017 attacks on the Consumer Financial Protection Bureau, Dodd-Frank, and the Fiduciary rule carry potential to further destabilize this population are also discussed. © The Author 2017. Published by Oxford University Press on behalf of The Gerontological Society of America. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

  14. 76 FR 38463 - SAFE Mortgage Licensing Act: Minimum Licensing Standards and Oversight Responsibilities

    Science.gov (United States)

    2011-06-30

    ... housing laws that address the dramatic rise in mortgage delinquencies and foreclosures in the residential... regarding the status and employment history of all state-licensed and federally loan originators, as well as...

  15. 26 CFR 1.6050H-1 - Information reporting of mortgage interest received in a trade or business from an individual.

    Science.gov (United States)

    2010-04-01

    ... of record. A payor of record on a mortgage is the person carried on the books and records of the interest recipient as the principal borrower on the mortgage. If the books and records of the interest... from the payor of record is secured by the payor of record's principal residence. An intention by the...

  16. A two-factor, stochastic programming model of Danish mortgage-backed securities

    DEFF Research Database (Denmark)

    Nielsen, Søren S.; Poulsen, Rolf

    2004-01-01

    -trivial, both in terms of deciding on an initial mortgage, and in terms of managing (rebalancing) it optimally.We propose a two-factor, arbitrage-free interest-rate model, calibrated to observable security prices, and implement on top of it a multi-stage, stochastic optimization program with the purpose...

  17. Credit Booms and Lending Standards : Evidence from the Subprime Mortgage Market

    NARCIS (Netherlands)

    Dell’Ariccia, G.; Igan, D.; Laeven, L.

    2009-01-01

    This paper links the current subprime mortgage crisis to a decline in lending standards associated with the rapid expansion and changes in the structure of this market. We show that lending standards declined more in areas that experienced faster credit growth. We also find that the entry of new

  18. 24 CFR 242.23 - Maximum mortgage amounts and cash equity requirements.

    Science.gov (United States)

    2010-04-01

    ... addition to the value of plant, property, and equipment and other values recognized as loan security in the commitment process. Exercise of this discretion shall never cause a loan to exceed 90 percent of estimated... COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL...

  19. Contagion of us subprime mortgage crisis to Colombian economy: measured by financial market data

    Directory of Open Access Journals (Sweden)

    Chu V. Nguyen

    2011-06-01

    Full Text Available The long-horizon event study methodology is used to document the severe impact of the US subprime mortgage crisis on the Colombian economy. The estimated parameter of a constantmean return model is used to derive the “abnormal return” on the market portfolios of Colombia over its selected event window. Analyses of the results reveal that the US subprime mortgage crisis negatively affected both the Colombian and the US equity markets almost identically in terms of cumulative percentage reductions and timing. Statistic testing results seem to support the qualitative observation. This phenomenon can be attributable to the recent multilateral and regional trade agreements that increase the flow of trade and foreign direct investment to Colombia.

  20. Danish Mortgage Finance, Property Rights Protection and Economic Development

    DEFF Research Database (Denmark)

    Haldrup, Karin

    of screening methods for assessing the readiness for such transplantation depends on a deeper understanding of three large domains: A) Mortgage Finance, B) Cadastre and Land Registration; and C) Economic Development; and the interrelations between these three areas. In particular the thesis has focused...... formal property rights regimes and real credit with implications for development strategies. The PhD was co-sponsored by VP Securities A/S, www.vp.dk...

  1. Dåser uden pant: Cans without a mortgage

    OpenAIRE

    Rostrup, Emil; Mouritzen, Jeppe; Wagner, Sara; Skovlund, Kristian; Rein, Jakob; Engholm, Simon

    2013-01-01

    This research aims to investigate the possibility of changing people’s recycle behaviour, with a focus on cans without a mortgage, through a design. In order to investigate this possibility, a needs assessment was carried out, where the specific demands of waste plants, consumers, retail trade and environment were taken into consideration. The demands of the waste plants as well as the demand of the retail trade were found by collecting empiricism from various websites. The needs of the consu...

  2. Root cause evaluation of pressurizer relief valve leakage

    International Nuclear Information System (INIS)

    Olson, D.E.; Voll, B.J.

    1996-01-01

    Pressurizer relief valves at two pressurized water reactor units experienced unacceptable leakage during plant heatup. The leakage was suspected to be caused by excessive pipe loads on the valves. This paper describes how monitoring via hard-wired transducers and a digital data acquisition system was used to quantify the pipe loads on the valves, and assist in determining the root cause of the pipe loads and appropriate corrective actions. The selection of the parameters monitored, how the monitoring was accomplished and interpretation of the results is discussed. The corrective actions implemented based on the monitoring results are also discussed

  3. 28 CFR 36.504 - Relief.

    Science.gov (United States)

    2010-07-01

    ... COMMERCIAL FACILITIES Enforcement § 36.504 Relief. (a) Authority of court. In a civil action under § 36.503, the court— (1) May grant any equitable relief that such court considers to be appropriate, including... disabilities; (2) May award other relief as the court considers to be appropriate, including monetary damages...

  4. Fiscally Unsustainable Social Welfare, Untenable Housing Solutions and the Mortgage Default Ratio in South Africa

    Directory of Open Access Journals (Sweden)

    Vuyisani Vuyisani Moss

    2013-10-01

    Full Text Available This article reflects on social welfare system and governance of housingmarkets from an end-user perspective. The article critically analyses the wayin which social welfare has correlated to unsustainable development and createdself entitlement behaviours and attitudes in the South African low incomehousing market.  The phenomenon wasdemonstrable by empirical research whose findings confirmed an existence of anassociation between a fully subsidized social housing model (as underpinned bySouth Africa’s social welfare and propensity to default on mortgages.  The study found that the risk of default byhomeowners in the low income housing market in South Africa is influenced bygovernment’s housing grant model. In other words, the research established thatthe principle of servicing a mortgaged starter property (that is almost similarto a government free house by both structure and design is not universallyaccepted by homeowners of these mortgaged houses.  The unintended consequences are that thesystem has created indefinite expectations that potentially could; (i erodethe country’s balance sheet; (ii add to non-payment behaviour; (iii pressurizethe economic and credit systems; (iv propagate entitlement attitudes andmindsets; (v create social instability and (v widened the country’s balanceof payment deficits.

  5. On a class of adjustable rate mortgage loans subject to a strict balance principle

    DEFF Research Database (Denmark)

    Astrup Jensen, Bjarne

    We describe the background and the basic funding mechanisms for the type of adjustable rate mortgageloans that were introduced in the Danish market in 1996. Each loan is funded separately by tap issuingpass-through mortgage bonds (`strict balance principle'). The novelty is a funding mechanism...... that usesa roll-over strategy, where long term loans are funded by sequentially issuing short term pass-throughbonds, and the first issuer of these loans obtained a patent on the funding principles in 1999. Publiclyavailable descriptions of the principles leave an impression of very complicated numerical...... algorithms.The algorithms described here show that the essentials can be reduced to a `back of an envelope' complexity.Keywords: Adjustable rate mortgages, balance principle, patent, yield curve riding...

  6. The Psychology and Economics of Reverse Mortgage Attitudes : Evidence from the Netherlands

    NARCIS (Netherlands)

    Dillingh, W.F.; Prast, Henriette; Rossi, M.; Urzi Brancati, C.

    2015-01-01

    We find that among Dutch homeowners there is substantial potential interest in reverse mortgages, especially for the purpose of being able to live more comfortably and not worry about money until death, or to make a significant expenditure— on e.g. home improvements or traveling. Our regression

  7. Risk and resilience factors affecting the psychological wellbeing of individuals deployed in humanitarian relief roles after a disaster.

    Science.gov (United States)

    Brooks, Samantha K; Dunn, Rebecca; Sage, Clara A M; Amlôt, Richard; Greenberg, Neil; Rubin, G James

    2015-12-01

    When disasters occur, humanitarian relief workers frequently deploy to assist in rescue/recovery efforts. To conduct a systematic review of factors affecting the psychological wellbeing of disaster relief workers and identify recommendations for interventions. We searched MEDLINE®, Embase, PsycINFO® and Web of Science for relevant studies, supplemented by hand searches. We performed thematic analysis on their results to identify factors predicting wellbeing. Sixty-one publications were included. Key themes were: pre-deployment factors (preparedness/training); peri-deployment factors (deployment length/timing; traumatic exposure; emotional involvement; leadership; inter-agency cooperation; support; role; demands and workload; safety/equipment; self-doubt/guilt; coping strategies) and post-deployment factors (support; media; personal and professional growth). As well as role-specific stressors, many occupational stressors not specific to humanitarian relief (e.g. poor leadership, poor support) present a significant health hazard to relief workers. Humanitarian organisations should prioritise strengthening relationships between team members and supervisors, and dealing effectively with non-role-specific stressors, to improve the psychological resilience of their workforce.

  8. Multi-Period Structural Model of a Mortgage Portfolio with Cointegrated Factors

    Czech Academy of Sciences Publication Activity Database

    Gapko, Petr; Šmíd, Martin

    2016-01-01

    Roč. 66, č. 6 (2016), s. 565-574 ISSN 0015-1920 R&D Projects: GA ČR GA15-10331S Institutional support: RVO:67985556 Keywords : credit risk * mortgage * loan portfolio * dynamic model * estimation Subject RIV: AH - Economics Impact factor: 0.604, year: 2016 http://library.utia.cas.cz/separaty/2016/E/smid-0467176.pdf

  9. Mortgage market maturity and homeownership inequality among young households: a five-country perspective

    Czech Academy of Sciences Publication Activity Database

    Bičáková, Alena; Sierminska, E.

    -, č. 90 (2008), s. 1-58 ISSN 1864-6689 Institutional research plan: CEZ:AV0Z70850503 Keywords : home ownership * credit constraints * mortgage market Subject RIV: AH - Economics http://www.diw-berlin.de/documents/publikationen/73/79474/diw_sp0090.pdf

  10. Mortgage market maturity and homeownership inequality among young households: a five-country perspective

    Czech Academy of Sciences Publication Activity Database

    Bičáková, Alena; Sierminska, E.

    -, č. 778 (2008), s. 1-51 ISSN 1619-4535 Institutional research plan: CEZ:AV0Z70850503 Keywords : home ownership * credit constraints * mortgage market Subject RIV: AH - Economics http://www.diw-berlin.de/documents/publikationen/73/81771/dp778.pdf

  11. Evaluation of long-term community recovery from Hurricane Andrew: sources of assistance received by population sub-groups.

    Science.gov (United States)

    McDonnell, S; Troiano, R P; Barker, N; Noji, E; Hlady, W G; Hopkins, R

    1995-12-01

    Two three-stage cluster surveys were conducted in South Dade County, Florida, 14 months apart, to assess recovery following Hurricane Andrew. Response rates were 75 per cent and 84 per cent. Sources of assistance used in recovery from Hurricane Andrew differed according to race, per capita income, ethnicity, and education. Reports of improved living situation post-hurricane were not associated with receiving relief assistance, but reports of a worse situation were associated with loss of income, being exploited, or job loss. The number of households reporting problems with crime and community violence doubled between the two surveys. Disaster relief efforts had less impact on subjective long-term recovery than did job or income loss or housing repair difficulties. Existing sources of assistance were used more often than specific post-hurricane relief resources. The demographic make-up of a community may determine which are the most effective means to inform them after a disaster and what sources of assistance may be useful.

  12. Purchasing complex services on the Internet; An analysis of mortgage loan acquisitions

    NARCIS (Netherlands)

    B.L.K. Vroomen (Björn); A.C.D. Donkers (Bas); P.C. Verhoef (Peter); Ph.H.B.F. Franses (Philip Hans)

    2003-01-01

    textabstractIn contrast to, for example, books and compact discs, the number of complex services offered on the Internet is still small. A good example of such a service concerns mortgage loans. The decision-making process differs for complex services in that they have an extra intermediate step of

  13. 77 FR 57317 - 2012 Truth in Lending Act (Regulation Z) Mortgage Servicing

    Science.gov (United States)

    2012-09-17

    ... servicers under a variety of business models. In some cases, creditors service mortgage loans that they... disbursement, and cross-marketing other products and services to borrowers. Under this business model...), available at: http://digital.law.washington.edu/dspace-law/bitstream/handle/1773.1/1074/86WLR755.pdf . These...

  14. The economic impact of the Troubled Assets Relief Programme ...

    African Journals Online (AJOL)

    Through TARP funds, the US government buys illiquid mortgage-backed ... of ensuring financial stability in the United States, there are also groups that are ..... macro-economic, market and liquidity risks), financial instability will increase.

  15. PROSPECTS OF MORTGAGE ARE IN UKRAINE IN THE CONTEXT OF REFORMATION OF THE TAXATION OF PROPERTY: ESTIMATION OF RISKS

    Directory of Open Access Journals (Sweden)

    L. Hudzynska

    2014-12-01

    Full Text Available This article explores the possible risks of taxation introduction of real estate owned by the people, for the system of bank mortgage lending in Ukraine. The current state of the mortgage market in Ukraine is reviewed. The influence of the Institute property taxation in general increase of the fiscal burden on citizens is investigated. A possible state in the contingents of households in terms of pay, including in the investment sphere is reviewed. Approaches of model property taxation, which is owned by citizens, are suggested. Proposed not to tax property (household used by a person as a primary residence. This approach is seen as prevention for loss of real estate that is used as the basis of residence by citizens, in case of loss of solvency over objective, independent reasons, and as a tool to ensure the proper fulfillment of obligations by mortgage according to real contracts.

  16. The impact of concentration and regulation on competition in the Dutch mortgage market

    NARCIS (Netherlands)

    Mulder, Machiel

    2014-01-01

    This article investigates the effects of industry structure and regulatory pricing constraints on competition in the Dutch mortgage market during the global financial crisis that began in 2008. This highly concentrated market became even more concentrated following the financial crisis, when some

  17. 26 CFR 301.7701(i)-1 - Definition of a taxable mortgage pool.

    Science.gov (United States)

    2010-04-01

    ... pool of real estate mortgages from escaping Federal income taxation when the pool is used to issue... other third party agrees to make advances (regardless of whether, under the terms of the agreement, the payor is obligated, or merely permitted, to make those advances). An agreement by a debt servicer to...

  18. TIAA's Commercial Mortgage and Real Estate Investments: The Case for Financial Disclosure.

    Science.gov (United States)

    Garrigan, Richard T.; Jones, Thomas W.

    1992-01-01

    The Teachers Insurance and Annuities Association (TIAA) is criticized for inadequate financial disclosure of its mortgage and real estate investments, especially in the current market. A TIAA vice president responds that the company has not been remiss in reporting changes to its constituents and outlines its present financial status. (MSE)

  19. UV-assisted selective chemical etching of relief gratings in Er/Yb-codoped IOG1 phosphate glass

    Energy Technology Data Exchange (ETDEWEB)

    Pappas, C; Pissadakis, S [Foundation for Research and Technology-Hellas, Institute of Electronic Structure and Laser, Vasilika Vouton, PO Box 1527, Heraklion 71 110, GREECE (Greece)

    2007-04-15

    The patterning of sub-micron periodicity Bragg reflectors in Er/Yb-codoped IOG1, phosphate glass is demonstrated. A high yield patterning technique is presented, wherein high volume damage is induced into the glass matrix by exposure to intense UV radiation, and subsequently a chemical development in a strong acid selectively etches the exposed areas. The grating reflectors were fabricated by employing an elliptical Talbot interferometer and the output of a 213nm, 150ps frequency quintupled Nd:YAG laser. The grating depth of the etched relief pattern in time was measured at fixed time intervals and the dependence is presented in upon the etching time and exposure conditions. The gratings fabricated are examined by atomic and scanning electron microscopy for revealing the topology of the relief structure. Gratings with period of the order of 500nm were fabricated, having a maximum depth of 60nm.

  20. 24 CFR 203.437 - Mortgages involving a dwelling unit in a cooperative housing development.

    Science.gov (United States)

    2010-04-01

    ... Corporate Certificate Transfer Book that such book currently shows that the Secretary is the owner of the... mortgage has announced an intention to foreclose. [42 FR 40432, Aug. 10, 1977; 42 FR 57435, Nov. 2, 1977...

  1. 78 FR 26711 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Liquidity...

    Science.gov (United States)

    2013-05-08

    ... Funding and Fiscal Affairs; Farmer Mac Liquidity Management ACTION: Proposed rule; reopening of comment... proposed rule that would amend its liquidity management regulations for the Federal Agricultural Mortgage... comment on the proposed liquidity regulations. [[Page 26712

  2. 78 FR 36562 - 30-Day Notice of Proposed Information Collection: Home Equity Conversion Mortgage (HECM...

    Science.gov (United States)

    2013-06-18

    ... with hearing or speech impairments may access this number through TTY by calling the toll-free Federal... analysis, underwriting analysis, and collection of mortgage insurance premiums for loans that meet...

  3. Consultative selling in financial services : An observational study of the mortgage mediation process

    NARCIS (Netherlands)

    Verhallen, Theo M.m.; Greve, Harriette; Frambach, Ruud Th

    1997-01-01

    Notes that the literature on personal selling and advising on services stresses the importance of analysing the actual client-adviser interaction process. Explores this process of interaction in a mortgage setting by observing 42 conversations between advisers and 26 clients. The exact content and

  4. Analysis of inservice inspection relief requests

    International Nuclear Information System (INIS)

    Aldrich, D.A.; Cook, J.F.

    1989-08-01

    Nuclear Regulatory Commission (NRC) regulations require inspection (ISI) of boiling or pressurized water-cooled nuclear power plants be performed in accordance with a referenced edition and addenda of Section XI, ''Rules for Inservice Inspection of Nuclear Power Plant components,'' of the American Society of Mechanical Engineers (ASME) Boiler and Pressure Vessel Code. The regulations permit licensees to request relief from the NRC from specific ASME Code requirements that are determined to be impractical for the specific licensee. The NRC evaluates these requests and may grant such relief, but the NRC may also impose alternative or augmented inspections to assure structural reliability. The purpose,of this task was to evaluate the basis for ISI nondestructive examination (NDE) relief requests and to evaluate the effect of proposed ASME Code changes that would reduce the need for such requests or provide for more complete information in relief requests. This report contains the results of an analysis of an ISI relief request data base that has been expanded to include 1195 ISI relief requests versus the 296 relief requests covered in the first report in April 1987, EGG-SD-7430. Also relief requests were added to the data base which came from both first and second 10-year inspection intervals for several facilities. This provided the means to analyze the effect of recently approved ASME Code cases and updated Code requirements, some of which have been published as a result of earlier work on this task

  5. Laparoscopic Adhesiolysis and Relief of Chronic Pelvic Pain

    OpenAIRE

    Nezhat, Farr R.; Crystal, Ruth Ann; Nezhat, Ceana H.; Nezhat, Camran R.

    2000-01-01

    Objective: To evaluate the short- and long-term results of laparoscopic enterolysis in patients with chronic pelvic pain following hysterectomy. Methods: Forty-eight patients were evaluated at time intervals from 2 weeks to 5 years after laparoscopic enterolysis. Patients were asked to rate postoperative relief of their pelvic pain as complete/near complete relief (80-100% pain relief), significant relief (50-80% pain relief), or less than 50% or no pain relief. Results: We found that after 2...

  6. 77 FR 71445 - Regulatory and Administrative Waivers Granted for Multifamily Housing Programs To Assist With...

    Science.gov (United States)

    2012-11-30

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. 5677-N-01] Regulatory and Administrative Waivers Granted for Multifamily Housing Programs To Assist With Recovery and Relief in Sandy Disaster... in the disaster areas is widespread, and the need for regulatory relief in many areas pertaining to...

  7. 12 CFR Appendix B to Part 1720 - Policy Guidance; Non-Mortgage Liquidity Investments

    Science.gov (United States)

    2010-01-01

    ... investment activities. The Board of Directors and management must evaluate the effectiveness of non-mortgage... Board in terms of why they occurred (e.g., changes in portfolio composition, changes in funding costs... reviewed annually, for: i. Credit threshold guidelines: Credit quality is a compelling factor for liquidity...

  8. Impact of Tax Relief on Public Finance

    Directory of Open Access Journals (Sweden)

    Bikas Egidijus

    2016-12-01

    Full Text Available Tax reliefs are optional, but a very important element of the taxation system. This element is used for different purposes by a country’s government institutions. Tax reliefs are a form of tax expenditure that helps to reduce budget revenues. Tax reliefs influence individual and corporate financial behaviour and can have positive or negative effects on the economic and social factors. In the last few years, expansion of tax relief has attracted worldwide attention because of the fact that, after the global financial crisis, many countries are still suffering from fiscal deficits, and expansion of tax relief has not contributed to solving this problem. Tax reliefs are presupposed to be a fiscal policy tool of significance in various subsystems of public finances. The main aim of this article is to examine the impact of personal income tax reliefs on Lithuanian public finances. To achieve this aim, statistical information was systemized; Monte Carlo method was used to group data by horizontal rows and logical links analysed, which helped to evaluate the influence of tax reliefs on public finances. In the simulations, the Monte Carlo method helped to simulate random samples, which were then examined by adapting the conclusions of the theory of probability and mathematical statistics methods.

  9. 24 CFR 203.29 - Eligible mortgages in Alaska, Guam, Hawaii, or the Virgin Islands.

    Science.gov (United States)

    2010-04-01

    ... construct dwellings without sacrificing sound standards of construction, design or livability, the party may submit documentation in support of an alternative mortgage limit. This documentation should include actual or estimated costs of such items as design, construction, materials, and labor. In addition...

  10. Optimizing Transportation of Disaster Relief Material to Support U.S. Pacific Command Foreign Humanitarian Assistance Operations

    Science.gov (United States)

    2013-03-01

    Approved by: W. Matthew Carlyle, Professor Thesis Advisor Walter DeGrange, CDR, SC, USN Second Reader Robert F. Dell Chair...x THIS PAGE INTENTIONALLY LEFT BLANK xi LIST OF TABLES Table 1.  Disaster Relief Airlift Planner results for Malaysia cyclone scenario with...Planner results for Malaysia cyclone scenario with aircraft allocation varying

  11. Mortgage lending and house prices in Albania - a co-integrated analysis based on VECM

    Directory of Open Access Journals (Sweden)

    Erjona REBI

    2014-06-01

    Full Text Available The general view that the banks’ lending plays a crucial role in the real estate market was again confirmed during the recent financial crisis. During the precrisis period, house prices in Albania increased rapidly, supported also by a fast expansion of mortgage lending. This study aims to empirically analyse the relation between housing prices and banks’ financing in the long run, referring to a VECM model. The estimated results confirm the important role of mortgage to house prices. Meanwhile, the relation between house prices and interest rates resulted statistically insignificant. Unlike the previous literature, exchange rate has been included as an endogenous variable. Results show positive correlation and statistical significance between house prices and exchange rate. Finally, this paper is expected to contribute to the literature as there are very few studies that elaborate on the macroeconomic factors’ influence on the housing prices in Albania.

  12. State Mortgage Foreclosure Policies and Lender Interventions: Impacts on Borrower Behavior in Default

    Science.gov (United States)

    Collins, J. Michael; Lam, Ken; Herbert, Christopher E.

    2011-01-01

    Due to the rise in foreclosure filings, policymakers are increasingly concerned with helping families in financial distress keep their homes. This paper tests the extent to which distressed mortgage borrowers benefit from three types of state foreclosure polices: (1) judicial foreclosure proceedings, (2) statutory rights of redemption, and (3)…

  13. 75 FR 50801 - Reverse Mortgage Products: Guidance for Managing Compliance and Reputation Risks

    Science.gov (United States)

    2010-08-17

    ... recommended in this guidance when advertising reverse mortgages through certain forms of media, such as radio... organization commenter urged that loan originators should ensure that brokers do not advertise reverse... borrower was 73 years old, had a home valued at $261,500, and had financial assets of less than $33,000...

  14. 76 FR 78483 - S.A.F.E. Mortgage Licensing Act (Regulations G & H)

    Science.gov (United States)

    2011-12-19

    ... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1007 and 1008 [Docket No. CFPB-2011-0023] RIN 3170-AA06 S.A.F.E. Mortgage Licensing Act (Regulations G & H) AGENCY: Bureau of Consumer Financial... number of consumer financial protection laws from seven Federal agencies to the Bureau of Consumer...

  15. Analysis of United States Marine Corps Operations in Support of Humanitarian Assistance and Disaster Relief

    Science.gov (United States)

    2013-12-01

    water and waste resulting from the storm surge (GoB, 2008). The MEU was criticized for a lack of organic relief supplies, and appropriately...equipping personnel with waste bags and sanitation equipment prior to debarkation from the ships (CO, SCMAGTF, APS-10, 2010). 39 As a result of...clearance are always greatly demanded during the emergency response (Carafano, 2011). Rice and bread was provided for victims to provide basic

  16. 77 FR 57199 - 2012 Real Estate Settlement Procedures Act (Regulation X) Mortgage Servicing Proposal

    Science.gov (United States)

    2012-09-17

    ... servicers under a variety of business models. In some cases, creditors service mortgage loans that they... business model, servicers act primarily as payment collectors and processors, and provide minimal customer... (2011) (Thompson), available at http://digital.law.washington.edu/dspace-law/bitstream/handle/1773.1...

  17. 78 FR 41339 - Federal Housing Administration (FHA) Multifamily Mortgage Insurance; Capturing Excess Claim Proceeds

    Science.gov (United States)

    2013-07-10

    ... mortgage insurance eligibility requirements and contract rights and obligations can be found at 24 CFR part... contract rights and obligations of mortgagees participating in FHA multifamily insurance programs and using...: Proposed rule. SUMMARY: This proposed rule would amend HUD's regulations covering the contract rights and...

  18. Pain relief by Cyberknife radiosurgery for spinal metastasis.

    Science.gov (United States)

    Lee, Sunyoung; Chun, Mison

    2012-01-01

    To report pain relief effect in patients with spinal metastases treated with Cyberknife® and to analyze the factors associated with pain relapse after initial pain relief. We retrospectively analyzed patients with spinal metastasis treated with stereotactic body radiosurgery between April 2007 and June 2009. A total of 57 patients with 73 lesions were available for analysis with a median follow-up of 6.8 months (range, 1-30). Pain was assessed by a verbal/visual analogue scale at each visit: from 0 to 10. Pain relief was defined as a decrease of at least three levels of the pain score without an increase in analgesic use. Complete relief was defined as no analgesics or a score 0 or 1. Pain relief was achieved in 88% of the lesions, with complete relief in 51% within 7 days from the start of radiosurgery. The median duration of pain relief was 3.2 months (range, 1-30). Pain reappeared in 16 patients (27%). Spinal cord compression (P = 0.001) and performance status (P = 0.01) were predictive of pain relapse by multivariate Cox analysis. All 6 patients treated with solitary spinal metastasis experienced pain relief; 5 of them were alive without evidence of disease at a median of 16 months (range, 7-30). As previous studies have shown, our study confirms that pain relief with spinal radiosurgery is around 90%. In particular, long-term pain relief and disease control was observed in patients with solitary spinal metastasis.

  19. Housing policy and the granting of mortgage loans in the city of Cúcuta

    Directory of Open Access Journals (Sweden)

    Jhon Antuny Pabón-León

    2017-02-01

    Full Text Available This reflection article focuses on housing policy and the granting of mortgage loans in the city of Cúcuta from promulgation of housing policy. It is a descriptive study of quantitative approach, non-experimental, transectional supported in document review addressing three thematic areas: housing policies of the Government, the housing market and housing finance. The House today on day one of the problems that most affect society due among other factors to the growth of cities and next to it is tenure and housing needs. The crisis of housing in Colombia has been one of the most crippling economic problems in recent years and as a result new instruments are designed to provide effective access to housing and care for the potential beneficiaries. Thus arises the concern about what was the impact on the allocation of mortgage loans in the city of Cúcuta from promulgation of housing policy? It is concluded that although opinions differ on the effectiveness of housing policy clearly program presented a positive balance in the city of Cúcuta.

  20. 48 CFR 252.229-7001 - Tax relief.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 3 2010-10-01 2010-10-01 false Tax relief. 252.229-7001... Clauses 252.229-7001 Tax relief. As prescribed in 229.402-70(a), use the following clause: Tax Relief (JUN 1997) (a) Prices set forth in this contract are exclusive of all taxes and duties from which the United...

  1. 78 FR 10901 - Mortgage Servicing Rules Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-02-14

    ... who's actually going to be punished by the mortgage fraud settlement, Bloomberg News, February 10... Unsound Foreclosure Practices (Apr. 13, 2011), available at http://www.occ.gov/news-issuances/news...), available at http://www.occ.treas.gov/news-issuances/news-releases/2011/nr-occ-2011-47.html . \\30\\ See Fed...

  2. 26 CFR 1.6709-1T - Penalties with respect to mortgage credit certificates (temporary).

    Science.gov (United States)

    2010-04-01

    ... THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Additions to the Tax, Additional Amounts... affidavit or other statement under a penalty of perjury made with respect to the issuance of a mortgage credit certificate and such misstatement is due to the negligence of that person, that person shall pay a...

  3. Performance of balanced bellows safety relief valves

    International Nuclear Information System (INIS)

    Lai, Y.S.

    1992-01-01

    By the nature of its design, the set point and lift of a conventional spring loaded safety relief valve are sensitive to back pressure. One way to reduce the adverse effects of the back pressure on the safety relief valve function is to install a balanced bellows in a safety relief valve. The metallic bellows has a rather wide range of manufacturing tolerance which makes the design of the bellows safety relief valve very complicated. The state-of-the-art balanced bellows safety relief valve can only substantially minimize, but cannot totally eliminate the back pressure effects on its set point and relieving capacity. Set point change is a linear function of the back pressure to the set pressure ratio. Depending on the valve design, the set point correction factor can be either greater or smaller than unity. There exists an allowable back pressure and critical back pressure for each safety relief valve. When total back pressure exceeds the R a , the relieving capacity will be reduced mainly resulting from the valve lift being reduced by the back pressure and the capacity reduction factor should be applied in valve sizing. Once the R c is exceeded, the safety relief valve becomes unstable and loses its over pressure protection capability. The capacity reduction factor is a function of system overpressure, but their relationship is non-linear in nature. (orig.)

  4. Effectiveness of Property Tax Relief in Oregon.

    Science.gov (United States)

    Hartman, William T.; Hwang, C. S.

    This study examines the effects of the 1979 Oregon Property Tax Relief Plan on 1980-81 school district budget decisions by comparing the available tax relief, the school expenditures, and the tax levies in the state for the years 1975-81. The history of direct and indirect property tax relief in Oregon is sketched for the years prior to 1979; the…

  5. Miraculous financial engineering or toxic finance? The genesis of the U.S. subprime mortgage loans crisis and its consequences on the global financial markets and real economy

    Directory of Open Access Journals (Sweden)

    Ivo Pezzuto

    2012-09-01

    Full Text Available In the fall of 2008, the U.S. subprime mortgage loans defaults have turned into Wall Street’s biggest crisis since the Great Depression. As hundreds of billions in mortgage-related investments went bad, banks became suspicious of one another’s potential undisclosed credit losses and preferred to reduce their exposure in the interbank markets, thus causing interbank interest rates and credit default swaps increases, a liquidity shortage problem and a worsened credit crunch condition to consumers and businesses. Massive cash injections into money markets and interest rates reductions have been assured by central banks in an attempt to shore up banks and to restore confidence within the financial system. Even Governments have promoted bail-out deal agreements, protections from bankruptcies, recapitalizations and bank nationalizations in order to rescue banks from disastrous bankruptcies. The credit crisis originated in the previous years when the Federal Reserve sharply lowered interest rates (Fed Funds at 1% to limit the economic damage of the stock market decline due to the 2000 dot.com companies’ crisis. Lower interest rates made mortgage payments cheaper, and the demand for homes began to rise, sending prices up. In addition, millions of homeowners took advantage of the rate drop to refinance their existing mortgages. As the industry ramped up, the quality of the mortgages went down due to poor credit origination and credit risk assessment. Delinquency and default rates began to rise in 2006 as interest rates rose (Fed Funds at 5,25% and poor households across the US struggled to pay off their mortgages. Many of them went bankrupt and lost their homes but the pace of lending did not slow. Banks have transformed much of the high-risk mortgage debt (securitizations into mortgage-backed securities (MBS and collateralised debt obligations (CDO, and have sold these assets on the financial markets to investment firms and insurance companies

  6. An Investigation into the Fundamental Drivers of Pricing of Residential Mortgage Products – A Risk Pricing Viewpoint

    Directory of Open Access Journals (Sweden)

    Harry M Karamujic

    2010-12-01

    Full Text Available Residential mortgage products (also known as home loans pricing has been long understood to be something of a ‘dark art’, requiring judgment and experience, rather than being an exact science. In the last decade, a lot has changed in this field and more and more lenders, primarily the larger lenders, are increasingly looking to make their pricing as exact as possible. Even so, inadequate pricing of residential mortgage products (in particular its substandard risk pricing has been seen as one of major causes of the global financial crisis (GFC and subsequent spectacular banking collapses. The underlying theme of the paper is to exhibit how contemporary lenders, in practice, price their residential mortgage products. While discussing elements of the pricing calculation particular attention was given to the exposition of how contemporary lenders price risks involved in providing home loans. Because of the importance of Basel capital accords to how financial institutions assess and quantify their risks, the paper provides an overview of Basel capital accords. The author envisages that the paper will (i help enhance comprehension of the underlying elements of the pricing calculation and the ways in which these elements relate to each other, (ii scrutinize how contemporary lenders identify and quantify risks and (iii improve consciousness of future changes in interest rates

  7. Advances in automated valuation modeling AVM after the non-agency mortgage crisis

    CERN Document Server

    Kauko, Tom

    2017-01-01

    This book addresses several problems related to automated valuation methodologies (AVM). Following the non-agency mortgage crisis, it offers a variety of approaches to improve the efficiency and quality of an automated valuation methodology (AVM) dealing with emerging problems and different contexts. Spatial issue, evolution of AVM standards, multilevel models, fuzzy and rough set applications and quantitative methods to define comparables are just some of the topics discussed.

  8. Herbert Hoover and the Organization of the American Relief Effort in Poland (1919-1923

    Directory of Open Access Journals (Sweden)

    Matthew Lloyd Adams

    2009-09-01

    Full Text Available Poland, recreated after the armistice of 1918, was confronted at its rebirth with four very severe challenges: welding together the separate sections of the dissected country, which for many decades had been under the rule of Prussia-Germany, Austria and Russia; creating a functioning administration and military force for the country; ensuring the recovery of agriculture, which, during World War I, had seriously declined; and restarting industries destroyed or closed during foreign military occupation. Even under the valuable leadership of the first Prime Minister of the new Polish Republic Ignacy Paderewski and Marshal Jozef Pilsudski, the Poles could not accomplish the goal of rebuilding a strong Poland without outside help. The American Relief Administration (ARA, founded and led by Herbert Hoover, offered their help. The ARA, with its food aid and provision of economic assistance and expertise, played an important role in bringing about stability in the newly independent state of Poland. This paper examines the many steps Herbert Hoover had to take to arrange food relief in Poland and will outline the organization of the ARA, including the establishment of the Polish relief organization and the introduction of young Polish-American women, called the Grey Samaritans, into the field.

  9. Relief valve testing study

    International Nuclear Information System (INIS)

    BROMM, R.D.

    2001-01-01

    Reclosing pressure-actuated valves, commonly called relief valves, are designed to relieve system pressure once it reaches the set point of the valve. They generally operate either proportional to the differential between their set pressure and the system pressure (gradual lift) or by rapidly opening fully when the set pressure is reached (pop action). A pop action valve allows the maximum fluid flow through the valve when the set pressure is reached. A gradual lift valve allows fluid flow in proportion to how much the system pressure has exceeded the set pressure of the valve (in the case of pressure relief) or has decreased below the set pressure (vacuum relief). These valves are used to protect systems from over and under pressurization. They are used on boilers, pressure vessels, piping systems and vacuum systems to prevent catastrophic failures of these systems, which can happen if they are under or over pressurized beyond the material tolerances. The construction of these valves ranges from extreme precision of less than a psi tolerance and a very short lifetime to extremely robust construction such as those used on historic railroad steam engines that are designed operate many times a day without changing their set pressure when the engines are operating. Relief valves can be designed to be immune to the effects of back pressure or to be vulnerable to it. Which type of valve to use depends upon the design requirements of the system

  10. 38 CFR 21.8072 - Authorizing training, services, and assistance beyond the initial individualized written plan of...

    Science.gov (United States)

    2010-07-01

    ... Authorizing training, services, and assistance beyond the initial individualized written plan of vocational... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Authorizing training, services, and assistance beyond the initial individualized written plan of vocational rehabilitation. 21...

  11. 19 CFR 210.52 - Motions for temporary relief.

    Science.gov (United States)

    2010-04-01

    ....52 Customs Duties UNITED STATES INTERNATIONAL TRADE COMMISSION INVESTIGATIONS OF UNFAIR PRACTICES IN IMPORT TRADE ADJUDICATION AND ENFORCEMENT Temporary Relief § 210.52 Motions for temporary relief... issuance of temporary relief, the Commission will be guided by practice under Rule 65 of the Federal Rules...

  12. Department of Defense Road Ahead for Humanitarian Assistance / Disaster Relief

    Science.gov (United States)

    2011-03-25

    response to the flood in Pakistan: "According to the [National Disaster Management Authority] NDMA , unusually heavy rainfall and flooding in late July...Widespread flooding affected 82 ofPakistan’s 122 districts, according to the NDMA . As a result, more than 12 million people required humanitarian...MAGTF Marine Air Ground Task Force MEDCAPS Medical Civic Assistance Programs MEU Marine Expeditionary Unit NDMA National Disaster Management

  13. 26 CFR 1.163-11T - Allocation of certain prepaid qualified mortgage insurance premiums (temporary).

    Science.gov (United States)

    2010-04-01

    ... insurance premiums (temporary). 1.163-11T Section 1.163-11T Internal Revenue INTERNAL REVENUE SERVICE... insurance premiums (temporary). (a) Allocation—(1) In general. As provided in section 163(h)(3)(E), premiums... section applies whether the qualified mortgage insurance premiums are paid in cash or are financed...

  14. 24 CFR 206.131 - Contract rights and obligations for mortgages on individual dwelling units in a condominium.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Contract rights and obligations for... MORTGAGE INSURANCE Contract Rights and Obligations Condominiums § 206.131 Contract rights and obligations...] Termination of Insurance Contract ...

  15. Crisis Communication Practices at an International Relief Agency

    Science.gov (United States)

    Genova, Gina L.

    2006-01-01

    When a disaster strikes, the affected population relies upon the swift response and aid rendered by relief organizations such as the California-based Direct Relief International. Since 1948, Direct Relief's mission has been to provide essential material resources to locally run health programs in areas affected by natural disasters, wars, and…

  16. Brain Circuits Encoding Reward from Pain Relief.

    Science.gov (United States)

    Navratilova, Edita; Atcherley, Christopher W; Porreca, Frank

    2015-11-01

    Relief from pain in humans is rewarding and pleasurable. Primary rewards, or reward-predictive cues, are encoded in brain reward/motivational circuits. While considerable advances have been made in our understanding of reward circuits underlying positive reinforcement, less is known about the circuits underlying the hedonic and reinforcing actions of pain relief. We review findings from electrophysiological, neuroimaging, and behavioral studies supporting the concept that the rewarding effect of pain relief requires opioid signaling in the anterior cingulate cortex (ACC), activation of midbrain dopamine neurons, and the release of dopamine in the nucleus accumbens (NAc). Understanding of circuits that govern the reward of pain relief may allow the discovery of more effective and satisfying therapies for patients with acute or chronic pain.

  17. Relief memory consolidation requires protein synthesis within the nucleus accumbens.

    Science.gov (United States)

    Bruning, Johann E A; Breitfeld, Tino; Kahl, Evelyn; Bergado-Acosta, Jorge R; Fendt, Markus

    2016-06-01

    Relief learning refers to the association of a stimulus with the relief from an aversive event. The thus-learned relief stimulus then can induce, e.g., an attenuation of the startle response or approach behavior, indicating positive valence. Previous studies revealed that the nucleus accumbens is essential for the acquisition and retrieval of relief memory. Here, we ask whether the nucleus accumbens is also the brain site for consolidation of relief memory into a long-term form. In rats, we blocked local protein synthesis within the nucleus accumbens by local infusions of anisomycin at different time points during a relief conditioning experiment. Accumbal anisomycin injections immediately after the relief conditioning session, but not 4 h later, prevented the consolidation into long-term relief memory. The retention of already consolidated relief memory was not affected by anisomycin injections. This identifies a time window and site for relief memory consolidation. These findings should complement our understanding of the full range of effects of adverse experiences, including cases of their distortion in humans such as post-traumatic stress disorder and/or phobias. Copyright © 2016 Elsevier Ltd. All rights reserved.

  18. Bas-Relief Modeling from Normal Images with Intuitive Styles.

    Science.gov (United States)

    Ji, Zhongping; Ma, Weiyin; Sun, Xianfang

    2014-05-01

    Traditional 3D model-based bas-relief modeling methods are often limited to model-dependent and monotonic relief styles. This paper presents a novel method for digital bas-relief modeling with intuitive style control. Given a composite normal image, the problem discussed in this paper involves generating a discontinuity-free depth field with high compression of depth data while preserving or even enhancing fine details. In our framework, several layers of normal images are composed into a single normal image. The original normal image on each layer is usually generated from 3D models or through other techniques as described in this paper. The bas-relief style is controlled by choosing a parameter and setting a targeted height for them. Bas-relief modeling and stylization are achieved simultaneously by solving a sparse linear system. Different from previous work, our method can be used to freely design bas-reliefs in normal image space instead of in object space, which makes it possible to use any popular image editing tools for bas-relief modeling. Experiments with a wide range of 3D models and scenes show that our method can effectively generate digital bas-reliefs.

  19. Retrospection-Simulation-Revision: Approach to the Analysis of the Composition and Characteristics of Medical Waste at a Disaster Relief Site.

    Science.gov (United States)

    Zhang, Li; Wu, Lihua; Tian, Feng; Wang, Zheng

    2016-01-01

    A large amount of medical waste is produced during disaster relief, posing a potential hazard to the habitat and the environment. A comprehensive understanding of the composition and characteristics of medical waste that requires management is one of the most basic steps in the development of a plan for medical waste management. Unfortunately, limited reliable information is available in the open literature on the characteristics of the medical waste that is generated at disaster relief sites. This paper discusses the analysis of the composition and characteristics of medical waste at a disaster relief site using the retrospection-simulation-revision method. For this study, we obtained 35 medical relief records of the Wenchuan Earthquake, Sichuan, May 2008 from a field cabin hospital. We first present a retrospective analysis of the relief medical records, and then, we simulate the medical waste generated in the affected areas. We ultimately determine the composition and characteristics of medical waste in the affected areas using untreated medical waste to revise the composition of the simulated medical waste. The results from 35 cases showed that the medical waste generated from disaster relief consists of the following: plastic (43.2%), biomass (26.3%), synthetic fiber (15.3%), rubber (6.6%), liquid (6.6%), inorganic salts (0.3%) and metals (1.7%). The bulk density of medical relief waste is 249 kg/m3, and the moisture content is 44.75%. The data should be provided to assist the collection, segregation, storage, transportation, disposal and contamination control of medical waste in affected areas. In this paper, we wish to introduce this research method of restoring the medical waste generated in disaster relief to readers and researchers. In addition, we hope more disaster relief agencies will become aware of the significance of medical case recording and storing. This may be very important for the environmental evaluation of medical waste in disaster areas, as

  20. 7 CFR 1980.333 - Promissory notes and security instruments.

    Science.gov (United States)

    2010-01-01

    ... promissory notes, real estate mortgages, including deeds of trust and similar instruments, and security... Interest Assistance Agreement, assure that the closing agent properly records a junior mortgage or deed of...

  1. Reward, motivation and emotion of pain and its relief

    Science.gov (United States)

    Porreca, Frank; Navratilova, Edita

    2016-01-01

    The experience of pain depends on interpretation of context and past experience that guide the choice of an immediate behavioral response and influence future decisions of actions to avoid harm. The aversive qualities of pain underlie its physiological role in learning and motivation. In this review, we highlight findings from human and animal investigations that suggest that both pain, and the relief of pain, are complex emotions that are comprised of feelings and their motivational consequences. Relief of aversive states, including pain, is rewarding. How relief of pain aversiveness occurs is not well understood. Termination of aversive states can directly provide relief as well as reinforce behaviors that result in avoidance of pain. Emerging preclinical data also suggests that relief may elicit a positive hedonic value that results from activation of neural cortical and mesolimbic brain circuits that may also motivate behavior. Brain circuits mediating the reward of pain relief, as well as relief-induced motivation are significantly impacted as pain becomes chronic. In chronic pain states, the negative motivational value of nociception may be increased while the value of the reward of pain relief may decrease. As a consequence, the impact of pain on these ancient, and conserved brain limbic circuits suggest a path forward for discovery of new pain therapies. PMID:28106670

  2. Mutual emergency assistance for radiation accidents

    International Nuclear Information System (INIS)

    1983-03-01

    A revised document on ''Mutual Emergency Assistance for Radiation Accidents'' jointly prepared by the Agency with the participation of the World Health Organization (WHO), the Food and Agricultural Organization of the United Nations (FAO), the International Labour Organisation (ILO) and the Office of the United Nations Disaster Relief Co-ordinator (UNDRO) was issued in 1980 as TECDOC-237. The present document lists the additional information received after publication of the 1980 edition and is issued as a Supplement to TECDOC-237 (1980 Edition). Some useful information contained in TECDOC-237 such as the IAEA arrangement and the WHO Collaborating Centres for Radiation Emergency Assistance are reprinted for ready reference

  3. Does Immediate Pain Relief After an Injection into the Sacroiliac Joint with Anesthetic and Corticosteroid Predict Subsequent Pain Relief?

    Science.gov (United States)

    Schneider, Byron J; Huynh, Lisa; Levin, Josh; Rinkaekan, Pranathip; Kordi, Ramin; Kennedy, David J

    2018-02-01

    To determine if immediate pain response following an injection with local anesthetic and corticosteroid predicts subsequent relief. Prospective observational cohort. An institutional review board-approved prospective study from a single academic medical center. Patients with clinical diagnosis of sacroiliac (SIJ) pain and referred for SIJ injection were enrolled; 1 cc of 2% lidocaine and 1 cc of triamcinolone 40 mg/mL were injected into the SIJ. Pain score on 0-10 numeric rating scale (NRS) during provocation maneuvers was recorded immediately before injection, immediately after injection, and at two and four weeks of follow-up. Oswestry Disability Index (ODI) was also recorded. Various cutoffs were identified to establish positive anesthetic response and successful outcomes at follow-up. These were used to calculated likelihood ratios. Of those with 100% anesthetic response, six of 11 (54.5%, 95% confidence interval [CI]+/-29.4%, +LR 2.6, 95% CI = 1.1-5.9) demonstrated 50% or greater pain relief at follow-up, and four of 11 (36.5%, 95% CI+/-28.4%, +LR 3.00, 95% CI = 1.4-5.1) had 100% relief at two to four weeks. Fourteen of 14 (100%, 95% CI+/-21.5%, -LR 0.0, 95% CI = 0.0-2.1) with an initial negative block failed to achieve 100% relief at follow-up. Patients who fail to achieve initial relief after SIJ injection with anesthetic and steroid are very unlikely to achieve significant pain relief at follow-up; negative likelihood ratios (LR) in this study, based on how success is defined, range between 0 and 0.9. Clinically significant positive likelihood ratios of anesthetic response to SIJ injection are more limited and less robust, but are valuable in predicting 50% relief or 100% relief at two to four weeks. © 2017 American Academy of Pain Medicine. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com

  4. Geography of opportunity and residential mortgage foreclosure: A spatial analysis of a U.S. housing market

    Directory of Open Access Journals (Sweden)

    Yanmei LI

    2011-12-01

    Full Text Available South Florida has been among the top foreclosure markets in the United States, but little research has explored whether this market presents different dynamics compared to other metropolitan areas. This research chooses Broward County to explore whether socioeconomic characteristics and certain public policy instruments relate to subprime lending and mortgage foreclosure patterns. Results indicate areas bounded by linear highways and railroads have a concentration of low-income black population and subprime loans. The spatial distribution of subprime loans is mostly explained by a higher percentage of minority and/or Hispanic population in a neighborhood. Yet, racial minorities, instead of Hispanic origin, contributes mostly to the concentration of subprime loans. The spatial pattern of foreclosures is more complex, determined not only by subprime loans but also possibly other factors associated with the mortgage crisis. This suggests that disadvantaged neighborhoods are disproportionally lacking favorable opportunities due to institutional and sub- cultural forces shaping the geography of subprime and foreclosure.

  5. Late-Cenozoic relief evolution under evolving climate: A review

    OpenAIRE

    Champagnac Jean Daniel; Valla Pierre G.; Herman Frédéric

    2014-01-01

    The present review paper is an attempt to summarize quantitative evidence of Late Cenozoic changes in topographic relief. Different meanings of the word "relief" as it is commonly used and detail the metrics used to quantify it. We then specify methodological tools used to quantify relief change (primarily low temperature thermochronometry and terrestrial cosmogenic nuclides) and analyze published evidence for different regions.Our review first shows that relief changes and rates of changes a...

  6. Active-duty physicians' perceptions and satisfaction with humanitarian assistance and disaster relief missions: implications for the field.

    Directory of Open Access Journals (Sweden)

    Geoffrey J Oravec

    Full Text Available BACKGROUND: The United States Department of Defense participates in more than 500 missions every year, including humanitarian assistance and disaster relief, as part of medical stability operations. This study assessed perceptions of active-duty physicians regarding these activities and related these findings to the retention and overall satisfaction of healthcare professionals. METHODS AND FINDINGS: An Internet-based survey was developed and validated. Of the 667 physicians who responded to the survey, 47% had participated in at least one mission. On a 7-point, Likert-type response scale, physicians reported favorable overall satisfaction with their participation in these missions (mean = 5.74. Perceived benefit was greatest for the United States (mean = 5.56 and self (mean = 5.39 compared to the target population (mean = 4.82. These perceptions were related to participants' intentions to extend their military medical service (total model R (2 = .37, with the strongest predictors being perceived benefit to self (β = .21, p<.01, the U.S. (β = .19, p<.01, and satisfaction (β = .18, p<.05. In addition, Air Force physicians reported higher levels of satisfaction (mean = 6.10 than either Army (mean = 5.27, Cohen's d = 0.75, p<.001 or Navy (mean = 5.60, Cohen's d = 0.46, p<.01 physicians. CONCLUSIONS: Military physicians are largely satisfied with humanitarian missions, reporting the greatest benefit of such activities for themselves and the United States. Elucidation of factors that may increase the perceived benefit to the target populations is warranted. Satisfaction and perceived benefits of humanitarian missions were positively correlated with intentions to extend time in service. These findings could inform the larger humanitarian community as well as military medical practices for both recruiting and retaining medical professionals.

  7. A sigh of relief or a sigh to relieve: The psychological and physiological relief effect of deep breaths.

    Science.gov (United States)

    Vlemincx, Elke; Van Diest, Ilse; Van den Bergh, Omer

    2016-10-15

    Both animal and human research have revealed important associations between sighs and relief. Previously we argued to conceive of sighs as resetters which temporarily induce relief. The present study aimed to investigate the psychological and physiological relief effect of sighs by instructed deep breaths and spontaneous sighs compared to a control breathing maneuver. Participants completed three blocks of 40 trials during which uncertainty cues were followed by either safety cues followed by a positive picture, or danger cues followed by a negative picture. One block was presented without breathing instructions, two subsequent blocks with breathing instructions. During the presentation of the safety and danger cues, an instruction was given to either 'take a deep breath' or 'postpone the next inhalation for 2 s (breath hold). Continuously, participants rated relief and Frontalis electromyography was recorded. Trait anxiety sensitivity was assessed by the Anxiety Sensitivity Index. Self-reported relief and physiological tension were compared 5s before and after instructed deep breaths and breath holds, and before and after spontaneous deep breaths and breath holds in the respective blocks. Results show that self-reported relief following an instructed deep breath was higher than before. Physiological tension decreased following a spontaneous sigh in high anxiety sensitive persons and following a spontaneous breath hold in low anxiety sensitive persons. These results are the first to show that a deep breath relieves and, in anxiety sensitive persons, reduces physiological tension. These findings support the hypothesis that sighs are psychological and physiological resetters. Copyright © 2016 Elsevier Inc. All rights reserved.

  8. Doubling Your Payoff: Winning Pain Relief Engages Endogenous Pain Inhibition

    Science.gov (United States)

    Becker, Susanne; Gandhi, Wiebke; Kwan, Saskia; Ahmed, Alysha-Karima; Schweinhardt, Petra

    2015-01-01

    When in pain, pain relief is much sought after, particularly for individuals with chronic pain. In analogy to augmentation of the hedonic experience ("liking") of a reward by the motivation to obtain a reward ("wanting"), the seeking of pain relief in a motivated state might increase the experience of pain relief when obtained. We tested this hypothesis in a psychophysical experiment in healthy human subjects, by assessing potential pain-inhibitory effects of pain relief "won" in a wheel of fortune game compared with pain relief without winning, exploiting the fact that the mere chance of winning induces a motivated state. The results show pain-inhibitory effects of pain relief obtained by winning in behaviorally assessed pain perception and ratings of pain intensity. Further, the higher participants scored on the personality trait novelty seeking, the more pain inhibition was induced. These results provide evidence that pain relief, when obtained in a motivated state, engages endogenous pain-inhibitory systems beyond the pain reduction that underlies the relief in the first place. Consequently, such pain relief might be used to improve behavioral pain therapy, inducing a positive, perhaps self-amplifying feedback loop of reduced pain and improved functionality.

  9. [Historical succour of poverty and medical assistance in rural China.].

    Science.gov (United States)

    Chen, Wen-Xian; Li, Ning-Xiu; Ren, Xiao-Hui

    2009-11-01

    There was considerable attention paid to the succour of poverty with widespread practice in China's history. Succour of poverty and medical assistance in rural areas were closely connected with famine relief carried out by the rulers. The mutual assistance of emotional and moral support long-term in rural communities is the most important form of medical assistance. A succour of poverty and medical assistance system in the modern sense should inherit and learn from the past consideration of poverty assistance and bring in the fine tradition of multiple forces to participate, in order to establish a succour of poverty and medical assistance system compatible with economic and social development. This is not only an important component of anti-poverty strategy in rural areas but also an inevitable requirement of historical development.

  10. UJI INTEGRASI DAN CONTAGION EFFECT PASAR MODAL PADA LIMA NEGARA ASEAN (RISET EMPIRIS PASCA TERJADINYA KRISIS SUBPRIME MORTGAGE DAN KRISIS YUNANI

    Directory of Open Access Journals (Sweden)

    Tarsisius Renald Suganda

    2016-10-01

    Full Text Available Financial market comovement in ASEAN main member countries is still attractive to scrunitized, because this area is vulnerable to the impact on a global economic event. This study examined capital market integration of five ASEAN main members (Indonesia, Singapore, Malaysia, Philippines, and Thailand by using September 2008—30 April 2013 data period. This period will divided into the post 2008 Subprime Mortgage crisis period and the post 2010 Greece crisis period. Vector Autoregressive (VAR was used to test the comovement occurance among these capital markets and Granger Causality Test was used to analyze the contagion effect among these capital markets. The finding shows that the comovement was occurred among Indonesia, Malay-sia, Singapore and Thailand’s capital market during September 2008 to 30 April 2013 period. The comovement was still occured after 2008 Subpime Mortgage crisis period and 2010 Greece crisis period, although there is country namely Philippines which did not have the comovement at all against the other countries. Further-more, the finding shows that Indonesia capital market gives contagion effect to other ASEAN countries after 2008 Subprime Mortgage crisis and Greece financial crisis.

  11. Pilot States Program report: Home energy ratings systems and energy-efficient mortgages

    Energy Technology Data Exchange (ETDEWEB)

    Farhar, B.

    2000-04-04

    This report covers the accomplishments of the home energy ratings systems/energy-efficient mortgages (HERS/EEMs) pilot states from 1993 through 1998, including such indicators as funding, ratings and EEMs achieved, active raters, and training and marketing activities. A brief description of each HERS program's evolution is included, as well as their directors' views of the programs' future prospects. Finally, an analysis is provided of successful HERS program characteristics and factors that appear to contribute to HERS program success.

  12. Glovebox pressure relief and check valve

    Energy Technology Data Exchange (ETDEWEB)

    Blaedel, K.L.

    1986-03-17

    This device is a combined pressure relief valve and check valve providing overpressure protection and preventing back flow into an inert atmosphere enclosure. The pressure relief is embodied by a submerged vent line in a mercury reservior, the releif pressure being a function of the submerged depth. The pressure relief can be vented into an exhaust system and the relieving pressure is only slightly influenced by the varying pressure in the exhaust system. The check valve is embodied by a ball which floats on the mercury column and contacts a seat whenever vacuum exists within the glovebox enclosure. Alternatively, the check valve is embodied by a vertical column of mercury, the maximum back pressure being a function of the height of the column of mercury.

  13. Glovebox pressure relief and check valve

    International Nuclear Information System (INIS)

    Blaedel, K.L.

    1986-01-01

    This device is a combined pressure relief valve and check valve providing overpressure protection and preventing back flow into an inert atmosphere enclosure. The pressure relief is embodied by a submerged vent line in a mercury reservior, the releif pressure being a function of the submerged depth. The pressure relief can be vented into an exhaust system and the relieving pressure is only slightly influenced by the varying pressure in the exhaust system. The check valve is embodied by a ball which floats on the mercury column and contacts a seat whenever vacuum exists within the glovebox enclosure. Alternatively, the check valve is embodied by a vertical column of mercury, the maximum back pressure being a function of the height of the column of mercury

  14. Transposition of the Mortgage Credit Directive into Hungarian and Czech law – The Problem of Credit Intermediaries

    Czech Academy of Sciences Publication Activity Database

    Simon, Rita

    2017-01-01

    Roč. 6, č. 3 (2017), s. 106-112 ISSN 2364-4710 Institutional support: RVO:68378122 Keywords : mortgage credit directive * consumer protection * credit intermediaries Subject RIV: AG - Legal Sciences OBOR OECD: Law https://www.kluwerlawonline.com/abstract.php?area=Journals&id=EuCML2017025

  15. 47 CFR 52.19 - Area code relief.

    Science.gov (United States)

    2010-10-01

    ... meetings to which the telecommunications industry and the public are invited on area code relief for a... 47 Telecommunication 3 2010-10-01 2010-10-01 false Area code relief. 52.19 Section 52.19 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) COMMON CARRIER SERVICES (CONTINUED) NUMBERING...

  16. Humanitarian power : Canadian electrical techies help hurricane relief in Honduras

    International Nuclear Information System (INIS)

    Mallett, N.

    1999-01-01

    A review of the emergency assistance provided to Honduras by Canada following Hurricane Mitch that struck the country with a ferocity not seen in 200 years, was described. Thousands of Hondurans were killed and three million were left homeless as vast regions of the country were literally washed away. The secondary effects of the storm - famine and disease - set in to claim even more lives. The Canadian Forces' Disaster Response Team (DART) was dispatched to conduct emergency relief operations for up to 40 days in order to bridge the gap until members of the international community arrive to provide long-term help. DART focused on providing medical care, clean drinking water, an engineering capability, and reliable communications. The medical team consisting of a small field hospital with a staff of 45 provided care for up to 500 outpatients and 30 inpatients daily, depending on the severity of injuries. The engineering team of about 40 provided a wide range of services, such as water purification, using a reverse osmosis water purification unit, fresh water distribution and power generation. The communications unit provided contact with headquarters in Honduras, and communicated with bases back in Canada. The operation was a great success, and well received by the Honduran people. This was the first deployment of DART, a team initially conceived after the Canadian Forces participated in relief efforts in Rwanda in 1994 and 1995

  17. Transcanalicular laser-assisted dacryocystorhinostomy.

    Science.gov (United States)

    Rosen, N; Barak, A; Rosner, M

    1997-09-01

    Current techniques of laser-assisted dacryocystorhinostomy are mostly endonasal. In this report, the authors describe their technique of laser-assisted dacryocystorhinostomy performed through the canaliculi and the surgical results they achieved. Fourteen patients with nasolacrimal duct obstruction underwent transcanalicular laser-assisted dacryocystorhinostomy. The bony ostium was perforated using a fiber optic-transmitting, giant-pulse Nd:YAG laser, with an energy of 0.5 to 4 J per pulse. The total energy used to create an ostium was 18 to 34 J. A silicone tube was inserted through the canaliculi and the ostium into the nasal cavity and kept in place for 5 to 7 months. Patients were observed for 18 to 22 months. Nine of the 14 patients (64%) reported the disappearance of epiphora following surgery. In 3 patients, no relief of epiphora was obtained. In 1 patient the operation was not completed because of severe nasal bleeding. In another, tearing began 12 months after surgery (6 months after tube removal). Transcanalicular laser-assisted dacryocystorhinostomy is a potentially useful method for performing dacryocystorhinostomy. Technical modifications and improvements are needed to increase the success rate.

  18. Paper relief architecture

    NARCIS (Netherlands)

    Latka, J.F.

    2014-01-01

    The article presents two contemporary projects of paper structures relief architecture designed and built by Shigeru Ban Architects and Voluntary Architect Network. Author of the article took part in design and construction process of one of the projects. The project of Yaan Nursery School, which

  19. Digital Shaded-Relief Image of Alaska

    Science.gov (United States)

    Riehle, J.R.; Fleming, Michael D.; Molnia, B.F.; Dover, J.H.; Kelley, J.S.; Miller, M.L.; Nokleberg, W.J.; Plafker, George; Till, A.B.

    1997-01-01

    Introduction One of the most spectacular physiographic images of the conterminous United States, and the first to have been produced digitally, is that by Thelin and Pike (USGS I-2206, 1991). The image is remarkable for its crispness of detail and for the natural appearance of the artificial land surface. Our goal has been to produce a shaded-relief image of Alaska that has the same look and feel as the Thelin and Pike image. The Alaskan image could have been produced at the same scale as its lower 48 counterpart (1:3,500,000). But by insetting the Aleutian Islands into the Gulf of Alaska, we were able to print the Alaska map at a larger scale (1:2,500,000) and about the same physical size as the Thelin and Pike image. Benefits of the 1:2,500,000 scale are (1) greater resolution of topographic features and (2) ease of reference to the U.S. Geological Survey (USGS) (1987) Alaska Map E and the statewide geologic map (Beikman, 1980), which are both 1:2,500,000 scale. Manually drawn, shaded-relief images of Alaska's land surface have long been available (for example, Department of the Interior, 1909; Raisz, 1948). The topography depicted on these early maps is mainly schematic. Maps showing topographic contours were first available for the entire State in 1953 (USGS, 1:250,000) (J.H. Wittmann, USGS, written commun., 1996). The Alaska Map E was initially released in 1954 in both planimetric (revised in 1973 and 1987) and shaded-relief versions (revised in 1973, 1987, and 1996); topography depicted on the shaded-relief version is based on the 1:250,000-scale USGS topographic maps. Alaska Map E was later modified to include hypsometric tinting by Raven Maps and Images (1989, revised 1993) as copyrighted versions. Other shaded-relief images were produced for The National Geographic Magazine (LaGorce, 1956; 1:3,000,000) or drawn by Harrison (1970; 1:7,500,000) for The National Atlas of the United States. Recently, the State of Alaska digitally produced a shaded-relief image

  20. Iraq's Debt Relief: Procedure and Potential Implications for International Debt Relief

    National Research Council Canada - National Science Library

    Weiss, Martin A

    2009-01-01

    .... Reducing this debt to a sustainable level has been a priority of the U.S. government. Since 2003, debt relief negotiations have taken place in a variety of fora and led to the cancellation of a significant amount of Iraq's external debt...

  1. The relief operation in puno district, peru, after the 1986 floods of lake titicaca.

    Science.gov (United States)

    Sztorch, L; Gicquel, V; Desenclos, J C

    1989-03-01

    The 1985-86 rainy season in Peru was disastrous due to very high precipitation. Because of the unusual level of floods in the Lake Titicaca area and the increasing number of affected people, the Peruvian Government established an emergency relief plan and appealed for international aid. At that time the situation was already very critical. The lack of preparedness made the implementation of the relief operation difficult. Our paper describes the intervention of a French N.G.O. (Médecins Sans Trontières), requested by the Peruvian authorities. The early phase of the relief programme and its methodology are described. Problems within this relief programme and the further long-term development action that should be undertaken are discussed. Au Pérou, la saison des pluies 85-86 a été catastrophique par l'importance des précipitations. Au cours des premiers mois de l'année 1986, devant l'ampleur inhabituelle des inondations dans la région du lac Titicaca et le nombre sans cesse croissant de sinistrés, le gouvernement pbruvien décide de mettre en route un plan national de secours d'urgence enfaisant appel à l'aide internationale. Mais la réponse est déjá tardive et le manque de mesures préventives fait que l'organisation des secours se heurte à un grand nombre de difficultés. Notre étude se situe dans le cadre de l'intervention d'une organisation non gouvernementale européenne, sollicitée par le gouvernement péruvien pour une collaboration dans la phase des premiers secours à cette population. Les problémes posés lors de cette opération et la suite à donner à l'assistance a moyen et a long terme sont discutés.

  2. Increasing the Useful Life of Quench Reliefs with Inconel Bellows

    Energy Technology Data Exchange (ETDEWEB)

    Soyars, W. M. [Fermilab

    1999-01-01

    Reliable quench relief valves are an important part of superconducting magnet systems. Fermilab developed bellows-actuated cryogenic quench reliefs which have been in use since the early l 980's. The original design uses a stainless steel bellows. A high frequency, low amplitude vibration during relieving events has resulted in fatigue failures in the original design. To take advantage of the improved resistance to fatigue of Inconel, a nickel-chromium alloy, reliefs using Inconel 625 bellows were made. Design, development, and testing of the new version reliefs will be discussed. Tests show that relief valve lifetimes using Inconel bellows are more than five times greater than when using the original stainless steel bellows. Inconel bellows show great promise in increasing the lifetime of quench relief valves, and thus the reliability of accelerator cryogenic systems.

  3. Local Authority Residential Mortgage Credit: A Source of Non-Market Sub-Prime Homeloans for Low-Income households

    Directory of Open Access Journals (Sweden)

    Dermot Coates

    2008-01-01

    Full Text Available As the volume of mortgage credit has risen in tandem with house price inflation, the sub-prime homeloan sector of this market has begun to expand in order to meet demand from those not serviced by the mainstream financial service providers. This article examines the role of local authorities in providing residential mortgages and assesses whether those who have traditionally borrowed from non-market (or public sector lenders would be considered to be sub-prime borrowers by the private sector. It concludes that, in view of the relatively low average incomes of this cohort of borrowers, they represent a higher probability of homeloan default and as a consequence, would be subject to a higher cost of credit in the private sector. However, this paper highlights the favourable terms offered by local authorities and argues that their failure to price according to the risk profile of borrowers exposes the Exchequer to higher – and often unquantified – costs in pursuit of promoting home-ownership.

  4. Long range dependency and forecasting of housing price index and mortgage market rate: evidence of subprime crisis

    Directory of Open Access Journals (Sweden)

    Nadhem Selmi

    2015-05-01

    Full Text Available In this paper, we examine and forecast the House Price Index (HPI and mortgage market rate in terms of the description of the subprime crisis. We use a semi-parametric local polynomial Whittle estimator proposed by Shimotsu et al. (2005 [Shimotsu, K., & Phillips, P.C.B. (2005, Exact local Whittle estimation of fractional integration. The Annals of Statistics, 33(4, 1890-1933.] in a long memory parameter time series. Empirical investigation of HPI and mortgage market rate shows that these variables are more persistent when the d estimates are found on the Shimotsu method than on the one of Künsch (1987 [Künsch, H.R. (1987. Statistical aspects of self-similar processes. In Y. Prokhorov and V.V. Sazanov (eds., Proceedings of the First World Congress of the Bernoulli Society, VNU Science Press, Utrecht, 67-74.]. The estimating forecast values are more realistic and they strongly reflect the present US economy actuality in the two series as indicated by the forecast evaluation topics.

  5. Current Situation of Household Income as a Factor, Having Impact on Mortgage Lending in Mongolia

    Directory of Open Access Journals (Sweden)

    Khuselchimeg Batbileg

    2012-04-01

    Full Text Available Amount of household income is the most important factor for housing loan. The article studies mortgage lending in Ulaanbaatar in 2007–2009, the factor, having great impact on the current economy of Mongolia, carries out the comparative analysis of capital’s medium and low income households and presents methods, which will help to solve these problems.

  6. Optimal Laser Phototherapy Parameters for Pain Relief.

    Science.gov (United States)

    Kate, Rohit J; Rubatt, Sarah; Enwemeka, Chukuka S; Huddleston, Wendy E

    2018-03-27

    Studies on laser phototherapy for pain relief have used parameters that vary widely and have reported varying outcomes. The purpose of this study was to determine the optimal parameter ranges of laser phototherapy for pain relief by analyzing data aggregated from existing primary literature. Original studies were gathered from available sources and were screened to meet the pre-established inclusion criteria. The included articles were then subjected to meta-analysis using Cohen's d statistic for determining treatment effect size. From these studies, ranges of the reported parameters that always resulted into large effect sizes were determined. These optimal ranges were evaluated for their accuracy using leave-one-article-out cross-validation procedure. A total of 96 articles met the inclusion criteria for meta-analysis and yielded 232 effect sizes. The average effect size was highly significant: d = +1.36 (confidence interval [95% CI] = 1.04-1.68). Among all the parameters, total energy was found to have the greatest effect on pain relief and had the most prominent optimal ranges of 120-162 and 15.36-20.16 J, which always resulted in large effect sizes. The cross-validation accuracy of the optimal ranges for total energy was 68.57% (95% CI = 53.19-83.97). Fewer and less-prominent optimal ranges were obtained for the energy density and duration parameters. None of the remaining parameters was found to be independently related to pain relief outcomes. The findings of meta-analysis indicate that laser phototherapy is highly effective for pain relief. Based on the analysis of parameters, total energy can be optimized to yield the largest effect on pain relief.

  7. Race, gender, and statistical representation: predatory mortgage lending and the US community reinvestment movement

    OpenAIRE

    Elvin K Wyly; Mona Atia; Elizabeth Lee; Pablo Mendez

    2007-01-01

    American mortgage markets, once arenas of discrimination by exclusion, now operate as venues of segmentation and discrimination by inclusion: credit is widely available, but its terms vary enormously. One market segment involves sophisticated predatory practices in which certain groups of borrowers are targeted for high-cost credit that strips out home equity and worsens the risks of delinquency, default, and foreclosure. Unfortunately, it has become more difficult to measure inequalities of ...

  8. Medications for Pain Relief during Labor and Delivery

    Science.gov (United States)

    ... FAQ086 LABOR, DELIVERY, AND POSTPARTUM CARE Medications for Pain Relief During Labor and Delivery • What types of medications for pain relief are used during labor and delivery? • What are ...

  9. 12 CFR Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

    Science.gov (United States)

    2010-01-01

    ... Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions (a... loan cost rate for various transactions, as well as instructions, explanations, and examples for.... (2) Term of the transaction. For purposes of total annual loan cost disclosures, the term of a...

  10. 76 FR 15309 - Privacy Act of 1974, as Amended; System of Records; Nationwide Mortgage Licensing System and...

    Science.gov (United States)

    2011-03-21

    ... regulated by a Federal banking agency or the Farm Credit Administration who acts as a residential mortgage... information online into the NMLSR Web site. Once collected, the information will be maintained in the NMLSR.... FINRA operates similar systems in the securities industry. More information about this system is...

  11. Information and Communications Technology (ICT) Assessment Teams for First Responders in Humanitarian Assistance/Disaster Relief (HA/DR) Missions

    Science.gov (United States)

    2012-03-01

    Assessment, Disaster Relief, Disaster Zone Access 15. NUMBER OF PAGES 123 16. PRICE CODE 17. SECURITY CLASSIFICATION OF REPORT Unclassified 18...local cellular carrier- pricing schedule as many offer data plans that have restrictions to the amount of traffic allowed before being bandwidth...Sanitizer Razor & spare blades Sewing kit Water bottle (2+, filled) PowerBar/CliffBar/other snacks Baby Wipes Insect repellent Sunglasses Spare

  12. Pain relief at the end of life: nurses' experiences regarding end-of-life pain relief in patients with dementia.

    Science.gov (United States)

    Brorson, Hanna; Plymoth, Henrietta; Örmon, Karin; Bolmsjö, Ingrid

    2014-03-01

    Patients with dementia receive suboptimal palliative care, and this patient group is at risk to have pain at the end of life. Because communicative impairments are common in this patient group, nurses play an important caregiver role in identifying, assessing, and relieving patients' pain. This study aimed to describe nurses' experiences regarding end-of-life pain relief in patients with dementia. This descriptive exploratory qualitative study was based on seven semistructured interviews. Burnard's content analysis inspired the data analysis. Two main categories were identified: (1) nurses' experience of difficulties concerning pain relief and (2) nurses' experience of resources concerning pain relief. Nurses experienced difficulties, such as feeling of powerlessness because of difficulties in obtaining adequate prescriptions for analgesics, ethical dilemmas, feeling of inadequacy because analgesia did not have the desired effect, and a feeling of not being able to connect with the patient. Factors, including knowledge about the patient, professional experience, utilization of pain assessment tools, interpersonal relationships, and interprofessional cooperation, served as resources and enabled end-of-life pain relief. The results of this study highlight the complexity of pain relief in patients with dementia at the end of life from a nursing perspective. The inability of patients with dementia to verbally communicate their pain makes them a vulnerable patient group, dependent on their caregivers. Knowing the life story of the patient, professional experience, teamwork based on good communication, and use of a pain assessment tool were reported by the nurses to improve pain relief at the end of life for patients with dementia. Copyright © 2014 American Society for Pain Management Nursing. Published by Elsevier Inc. All rights reserved.

  13. 30 CFR 204.201 - Who may obtain accounting and auditing relief?

    Science.gov (United States)

    2010-07-01

    ... 30 Mineral Resources 2 2010-07-01 2010-07-01 false Who may obtain accounting and auditing relief... MINERALS REVENUE MANAGEMENT ALTERNATIVES FOR MARGINAL PROPERTIES Accounting and Auditing Relief § 204.201 Who may obtain accounting and auditing relief? (a) You may obtain accounting and auditing relief under...

  14. Assisted Reproduction Techniques (Art): The State of the Art in Nigeria

    African Journals Online (AJOL)

    Background: Infertility has become a social stigma in our environment because of the erroneous belief that a childless marriage is a failed marriage. This has placed a lot of marriages under pressure. Therefore any solution to infertility is a welcome relief. This is where Assisted Reproduction Techniques (ART) belongs.

  15. 46 CFR 154.801 - Pressure relief systems.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Pressure relief systems. 154.801 Section 154.801 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS CARGOES SAFETY... Vent Systems § 154.801 Pressure relief systems. (a) Each cargo tank that has a volume of 20m3 (706 ft.3...

  16. Geographic assistance of decontamination strategy elaboration

    International Nuclear Information System (INIS)

    Davydchuk, V.; Arapis, G.

    1996-01-01

    Those who elaborates the strategy of decontamination of vast territories is to take into consideration the heterogeneity of such elements of landscape as relief, lithology, humidity and types of soils and, vegetation, both on local and regional level. Geographic assistance includes evaluation of efficacy of decontamination technologies in different natural conditions, identification of areas of their effective application and definition of ecological damage, estimation of balances of the radionuclides in the landscapes to create background of the decontamination strategy

  17. Miraculous financial engineering or toxic finance? The genesis of the U.S. subprime mortgage loans crisis and its consequences on the global financial markets and real economy

    OpenAIRE

    Ivo Pezzuto

    2012-01-01

    In the fall of 2008, the U.S. subprime mortgage loans defaults have turned into Wall Street’s biggest crisis since the Great Depression. As hundreds of billions in mortgage-related investments went bad, banks became suspicious of one another’s potential undisclosed credit losses and preferred to reduce their exposure in the interbank markets, thus causing interbank interest rates and credit default swaps increases, a liquidity shortage problem and a worsened credit crunch condition to consume...

  18. Ear acupuncture or local anaesthetics as pain relief during postpartum surgical repair: a randomised controlled trial

    DEFF Research Database (Denmark)

    Kindberg, S; Klünder, L; Strøm, J

    2009-01-01

    -hour hands-on training in the use of ear acupuncture. All midwives (n= 36) in the department had previous experience in using acupuncture for obstetric pain relief. Pain and wound healing were evaluated using validated scores. Data collection was performed by research assistants blinded towards...... treatment allocation. Randomisation was computer assisted. A total of 207 women were randomised to receive ear acupuncture (105) and local anaesthetics (102), respectively. Main outcome measures The primary outcome was pain during surgical repair. Secondary outcomes were wound healing at 24-48 hours and 14...... days postpartum, participant satisfaction, revision of wound or dyspareunia reported 6 months postpartum. Results Pain during surgical repair was more frequently reported by participants allocated to ear acupuncture compared with participants receiving local anaesthetics (89 versus 54%, P

  19. The control of tonic pain by active relief learning

    Science.gov (United States)

    Mano, Hiroaki; Lee, Michael; Yoshida, Wako; Kawato, Mitsuo; Robbins, Trevor W

    2018-01-01

    Tonic pain after injury characterises a behavioural state that prioritises recovery. Although generally suppressing cognition and attention, tonic pain needs to allow effective relief learning to reduce the cause of the pain. Here, we describe a central learning circuit that supports learning of relief and concurrently suppresses the level of ongoing pain. We used computational modelling of behavioural, physiological and neuroimaging data in two experiments in which subjects learned to terminate tonic pain in static and dynamic escape-learning paradigms. In both studies, we show that active relief-seeking involves a reinforcement learning process manifest by error signals observed in the dorsal putamen. Critically, this system uses an uncertainty (‘associability’) signal detected in pregenual anterior cingulate cortex that both controls the relief learning rate, and endogenously and parametrically modulates the level of tonic pain. The results define a self-organising learning circuit that reduces ongoing pain when learning about potential relief. PMID:29482716

  20. The control of tonic pain by active relief learning.

    Science.gov (United States)

    Zhang, Suyi; Mano, Hiroaki; Lee, Michael; Yoshida, Wako; Kawato, Mitsuo; Robbins, Trevor W; Seymour, Ben

    2018-02-27

    Tonic pain after injury characterises a behavioural state that prioritises recovery. Although generally suppressing cognition and attention, tonic pain needs to allow effective relief learning to reduce the cause of the pain. Here, we describe a central learning circuit that supports learning of relief and concurrently suppresses the level of ongoing pain. We used computational modelling of behavioural, physiological and neuroimaging data in two experiments in which subjects learned to terminate tonic pain in static and dynamic escape-learning paradigms. In both studies, we show that active relief-seeking involves a reinforcement learning process manifest by error signals observed in the dorsal putamen. Critically, this system uses an uncertainty ('associability') signal detected in pregenual anterior cingulate cortex that both controls the relief learning rate, and endogenously and parametrically modulates the level of tonic pain. The results define a self-organising learning circuit that reduces ongoing pain when learning about potential relief. © 2018, Zhang et al.

  1. 78 FR 6407 - Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-01-30

    ..., and child support; (7) the monthly debt-to-income ratio or residual income; and (8) credit history... concerns were heightened as mortgage delinquencies and foreclosure rates increased dramatically, caused in... to repay.\\6\\ Subprime products were sold primarily to consumers with poor or no credit history...

  2. 24 CFR 232.515 - Refund of fees.

    Science.gov (United States)

    2010-04-01

    ... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED LIVING FACILITIES Eligibility Requirements-Supplemental Loans To Finance Purchase and Installation of Fire Safety...

  3. 24 CFR 232.591 - Smoke detectors.

    Science.gov (United States)

    2010-04-01

    ... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED LIVING FACILITIES Eligibility Requirements-Supplemental Loans To Finance Purchase and Installation of Fire Safety...

  4. 24 CFR 232.625 - Discrimination prohibited.

    Science.gov (United States)

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED... Fire Safety Equipment Special Requirements § 232.625 Discrimination prohibited. Any contract or...

  5. 24 CFR 232.600 - Title evidence.

    Science.gov (United States)

    2010-04-01

    ... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED LIVING FACILITIES Eligibility Requirements-Supplemental Loans To Finance Purchase and Installation of Fire Safety...

  6. 24 CFR 232.522 - Inspection fee.

    Science.gov (United States)

    2010-04-01

    ... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED LIVING FACILITIES Eligibility Requirements-Supplemental Loans To Finance Purchase and Installation of Fire Safety...

  7. Refuge alternatives relief valve testing and design with updated test stand.

    Science.gov (United States)

    Lutz, T J; Bissert, P T; Homce, G T; Yonkey, J A

    2018-03-01

    Underground refuge alternatives require an air source to supply breathable air to the occupants. This requires pressure relief valves to prevent unsafe pressures from building up within the refuge alternative. The U.S. Mine Safety and Health Administration (MSHA) mandates that pressure relief valves prevent pressure from exceeding 1.25 kPa (0.18 psi), or as specified by the manufacturer, above mine atmospheric pressure when a fan or compressor is used for the air supply. The U.S. National Institute for Occupational Safety and Health (NIOSH) tested a variety of pressure relief valves using an instrumented test fixture consisting of data acquisition equipment, a centrifugal blower, ductwork and various sensors to determine if the subject pressure relief valves meet the MSHA requirement. Relief pressures and flow characteristics, including opening pressure and flow rate, were measured for five different pressure relief valves under a variety of conditions. The subject pressure relief valves included two off-the-shelf modified check valves, two check valves used in MSHA-approved built-in-place refuge alternatives, and a commercially available valve that was designed for a steel refuge alternative and is currently being used in some built-in-place refuge alternatives. The test results showed relief pressures ranging from 0.20 to 1.53 kPa (0.03 to 0.22 psi) and flow rates up to 19.3 m 3 /min (683 scfm). As tested, some of the pressure relief valves did not meet the 1.25 kPa (0.18 psi) relief specification.

  8. Risks of Mortgage Loans in the Czech Republic

    Directory of Open Access Journals (Sweden)

    Jaroslav Tichý

    2015-10-01

    Full Text Available Indebtedness through mortgage loans is dominant of household debt in the Czech Republic. The gradual increase in the household debt level may also entail increasing credit risk assumed by banks in connection with their credit exposure to this sector. The objective of the paper is to verify the risk and identify factors that affect the credit risk development in the Czech Republic. We look for correlation between the risk development and the interest rate development. Furthermore, we verify links between the risk and the development of real estate collateral value. The paper does confirm that there are real risks associated with the potential increase in interest rates. No significant risks have been confirmed with regard to the current development of the residential property value. The paper also strives to provide an identification and verification of risks stemming from individual banks’ internal processes. It features a detailed analysis of the internal factors (aspects comprising revenue, competition, as well as distribution.

  9. Does pain relief by CT-guided indirect cervical nerve root injection with local anesthetics and steroids predict pain relief after decompression surgery for cervical nerve root compression?

    Science.gov (United States)

    Antoniadis, Alexander; Dietrich, Tobias J; Farshad, Mazda

    2016-10-01

    The relationship of pain relief from a recently presented CT-guided indirect cervical nerve root injection with local anesthetics and steroids to surgical decompression as a treatment for single-level cervical radiculopathy is not clear. This retrospective study aimed to compare the immediate and 6-week post-injection effects to the short- and long-term outcomes after surgical decompression, specifically in regard to pain relief. Patients (n = 39, age 47 ± 10 years) who had undergone CT-guided indirect injection with local anesthetics and steroids as an initial treatment for single cervical nerve root radiculopathy and who subsequently needed surgical decompression were included retrospectively. Pain levels (VAS scores) were monitored before, immediately after, and 6 weeks after injection (n = 34), as well as 6 weeks (n = 38) and a mean of 25 months (SD ± 12) after surgical decompression (n = 36). Correlation analysis was performed to find potential associations of pain relief after injection and after surgery to investigate the predictive value of post-injection pain relief. There was no correlation between immediate pain relief after injection (-32 ± 27 %) and 6 weeks later (-7 ± 19 %), (r = -0.023, p = 0.900). There was an association by tendency between immediate pain relief after injection and post-surgical pain relief at 6 weeks (-82 ± 27 %), (r = 0.28, p = 0.08). Pain relief at follow-up remained high at -70 ± 21 % and was correlated with the immediate pain amelioration effect of the injection (r = 0.37, p = 0.032). Five out of seven patients who reported no pain relief from injection had a pain relief from surgery in excess of 50 %. The amount of immediate radiculopathic pain relief after indirect cervical nerve root injection is associated with the amount of pain relief achieved at long-term follow-up after surgical decompression of single-level cervical radiculopathy

  10. 30 CFR 204.205 - How do I obtain accounting and auditing relief?

    Science.gov (United States)

    2010-07-01

    ... 30 Mineral Resources 2 2010-07-01 2010-07-01 false How do I obtain accounting and auditing relief... MINERALS REVENUE MANAGEMENT ALTERNATIVES FOR MARGINAL PROPERTIES Accounting and Auditing Relief § 204.205 How do I obtain accounting and auditing relief? (a) To take cumulative reports and payments relief...

  11. 24 CFR 232.630 - Assurance of completion.

    Science.gov (United States)

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED... Fire Safety Equipment Special Requirements § 232.630 Assurance of completion. If the property upon...

  12. 24 CFR 232.565 - Maximum loan amount.

    Science.gov (United States)

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED... Fire Safety Equipment Eligible Security Instruments § 232.565 Maximum loan amount. The principal amount...

  13. 24 CFR 232.545 - Covenant against liens.

    Science.gov (United States)

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED... Fire Safety Equipment Eligible Security Instruments § 232.545 Covenant against liens. (a) The security...

  14. 24 CFR 232.615 - Eligible borrowers.

    Science.gov (United States)

    2010-04-01

    ... fire safety equipment. Until the termination of all obligations of the Commissioner under an insurance... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED LIVING...

  15. 77 FR 42505 - Notice of Proposed Information Collection: Comment Request Notice of Application for Designation...

    Science.gov (United States)

    2012-07-19

    ... nonjudicial Power of Sale of single family HUD-held mortgages and may appoint Foreclsoure Commissioners to do... Information Collection: Comment Request Notice of Application for Designation as a Single Family Foreclosure... INFORMATION CONTACT: Sherece Tolbert, Deputy Assistant General Counsel, Single Family Mortgage Division...

  16. How absent negativity relates to affect and motivation: an integrative relief model.

    Science.gov (United States)

    Deutsch, Roland; Smith, Kevin J M; Kordts-Freudinger, Robert; Reichardt, Regina

    2015-01-01

    The present paper concerns the motivational underpinnings and behavioral correlates of the prevention or stopping of negative stimulation - a situation referred to as relief. Relief is of great theoretical and applied interest. Theoretically, it is tied to theories linking affect, emotion, and motivational systems. Importantly, these theories make different predictions regarding the association between relief and motivational systems. Moreover, relief is a prototypical antecedent of counterfactual emotions, which involve specific cognitive processes compared to factual or mere anticipatory emotions. Practically, relief may be an important motivator of addictive and phobic behaviors, self destructive behaviors, and social influence. In the present paper, we will first provide a review of conflicting conceptualizations of relief. We will then present an integrative relief model (IRMO) that aims at resolving existing theoretical conflicts. We then review evidence relevant to distinctive predictions regarding the moderating role of various procedural features of relief situations. We conclude that our integrated model results in a better understanding of existing evidence on the affective and motivational underpinnings of relief, but that further evidence is needed to come to a more comprehensive evaluation of the viability of IRMO.

  17. How absent negativity relates to affect and motivation: an integrative relief model

    Science.gov (United States)

    Deutsch, Roland; Smith, Kevin J. M.; Kordts-Freudinger, Robert; Reichardt, Regina

    2015-01-01

    The present paper concerns the motivational underpinnings and behavioral correlates of the prevention or stopping of negative stimulation – a situation referred to as relief. Relief is of great theoretical and applied interest. Theoretically, it is tied to theories linking affect, emotion, and motivational systems. Importantly, these theories make different predictions regarding the association between relief and motivational systems. Moreover, relief is a prototypical antecedent of counterfactual emotions, which involve specific cognitive processes compared to factual or mere anticipatory emotions. Practically, relief may be an important motivator of addictive and phobic behaviors, self destructive behaviors, and social influence. In the present paper, we will first provide a review of conflicting conceptualizations of relief. We will then present an integrative relief model (IRMO) that aims at resolving existing theoretical conflicts. We then review evidence relevant to distinctive predictions regarding the moderating role of various procedural features of relief situations. We conclude that our integrated model results in a better understanding of existing evidence on the affective and motivational underpinnings of relief, but that further evidence is needed to come to a more comprehensive evaluation of the viability of IRMO. PMID:25806008

  18. ANALISIS FLUKTUASI DOLLAR AMERIKA SERIKAT TERHADAP RUPIAH DI SAAT DAN SETELAH KRISIS SUBPRIME MORTGAGE 2007 - 2013

    Directory of Open Access Journals (Sweden)

    Gustiyan Taufik Mahardika

    2015-10-01

    Full Text Available In a floating system, exchange rates fluctuate due to macroeconomic conditions that occur. Due to the uncertainty caused by economic shocks or financial crises such as subprime mortgage crisis, fluctuation analysis can be used to minimize the risks that arise in business that involve exchange rates such as export/import or hedge funds. This study aims to analyze the fluctuations in the exchange rate during and after the subprime mortgage crisis 2007 – 2013 in order to give a better understanding on the dynamics of the exchange rate. By analyzing the dynamics, individuals or companies that make the currency as a component in its business can then decide the right policy to implement. Analyses were performed using an error correction model (ECM for nominal (NER and real exchange rate (RER. The variables that are proven significant for NER are money supply (JUB, current account (CAB, economic growth (EGROW, and the nominal central bank rate (NBIRATE. The dummy crisis variable did not have a significant effect on the NER, while the CAB affect NER in the short run only, and EGROW affect NER in the long run only.DOI: 10.15408/sjie.v3i2.2060

  19. 78 FR 35429 - Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-06-12

    ... other evidence of repayment ability.\\3\\ \\2\\ Inside Mortg. Fin., The 2011 Mortgage Market Statistical..., refinancing became more difficult and delinquency rates on subprime and Alt-A products increased dramatically... peaked at 2.5 percent in late 2007.\\5\\ As the economy worsened, the rates of serious delinquency (90 or...

  20. 30 CFR 204.211 - When may MMS rescind relief for a property?

    Science.gov (United States)

    2010-07-01

    ... 30 Mineral Resources 2 2010-07-01 2010-07-01 false When may MMS rescind relief for a property? 204... MMS rescind relief for a property? (a) MMS may retroactively rescind the relief for your property if MMS determines that your property was not eligible for the relief obtained under this subpart because...

  1. 24 CFR 232.590 - Eligibility of property.

    Science.gov (United States)

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED... Fire Safety Equipment Property Requirements § 232.590 Eligibility of property. (a) A loan to be...

  2. 24 CFR 232.525 - Note and security form.

    Science.gov (United States)

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED... Fire Safety Equipment Eligible Security Instruments § 232.525 Note and security form. The lender shall...

  3. 24 CFR 232.500 - Definitions.

    Science.gov (United States)

    2010-04-01

    ... Commissioner in consideration of the contract of insurance. (c)(1) Fire safety equipment means equipment that... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED LIVING...

  4. 24 CFR 232.605 - Contract requirements.

    Science.gov (United States)

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED... Fire Safety Equipment Form of Contract § 232.605 Contract requirements. (a) The contract between the...

  5. 21 CFR 882.5840 - Implanted intracerebral/subcortical stimulator for pain relief.

    Science.gov (United States)

    2010-04-01

    ... pain relief. 882.5840 Section 882.5840 Food and Drugs FOOD AND DRUG ADMINISTRATION, DEPARTMENT OF... Devices § 882.5840 Implanted intracerebral/subcortical stimulator for pain relief. (a) Identification. An implanted intracerebral/subcortical stimulator for pain relief is a device that applies electrical current...

  6. A neurogenetic dissociation between punishment-, reward- and relief-learning in Drosophila

    Directory of Open Access Journals (Sweden)

    ayse Yarali

    2010-12-01

    Full Text Available What is particularly worth remembering about a traumatic experience is what brought it about, and what made it cease. For example, fruit flies avoid an odour which during training had preceded electric shock punishment; on the other hand, if the odour had followed shock during training, it is later on approached as a signal for the relieving end of shock. We provide a neurogenetic analysis of such relief learning. Blocking, using UAS-shibirets1, the output from a particular set of dopaminergic neurons defined by the TH-Gal4 driver partially impaired punishment learning, but left relief learning intact. Thus, with respect to these particular neurons, relief learning differs from punishment learning. Targeting another set of dopaminergic/ serotonergic neurons defined by the DDC-Gal4 driver on the other hand affected neither punishment nor relief learning. As for the octopaminergic system, the tbhM18 mutation, compromising octopamine biosynthesis, partially impaired sugar-reward learning, but not relief learning. Thus, with respect to this particular mutation, relief learning and reward learning are dissociated. Finally, blocking output from the set of octopaminergic/ tyraminergic neurons defined by the TDC2-Gal4 driver affected neither reward, nor relief learning. We conclude that regarding the used genetic tools, relief learning is neurogenetically dissociated from both punishment and reward learning.

  7. Analysis of preservice inspection relief requests and recommendations for ASME code changes

    International Nuclear Information System (INIS)

    Cook, J.F.

    1985-05-01

    NRC regulations require that preservice inspection (PSI) of nuclear plants be performed in accordance with referenced editions and addenda of Division 1 rules of Section XI, ''Rules for Inservice Inspection of Nuclear Power Plant Components'', of the ASME Boiler and Pressure Vessel Code (ASME Code). The regulations permit applicants to request and obtain relief from the NRC from specific ASME Code requirements that are determined to be impractical. Applicant requests for relief from preservice inspection (PSI) requirements were compiled and analyzed. From this data, covering a total of 178 relief requests, common problems with examination requirements were identified. Changes to examination requirements to solve selected problems are proposed. By following later ASME Code requirements, 46 out of the 178 relief requests can be eliminated. Implementing proposed Code changes would eliminate another 25 relief requests, leaving 107 relief requests out of the original 178 relief requests covered by this survey

  8. 21 CFR 882.5890 - Transcutaneous electrical nerve stimulator for pain relief.

    Science.gov (United States)

    2010-04-01

    ... pain relief. 882.5890 Section 882.5890 Food and Drugs FOOD AND DRUG ADMINISTRATION, DEPARTMENT OF... Devices § 882.5890 Transcutaneous electrical nerve stimulator for pain relief. (a) Identification. A transcutaneous electrical nerve stimulator for pain relief is a device used to apply an electrical current to...

  9. Building relations with women's organisations in relief work.

    Science.gov (United States)

    Gell, F

    1997-02-01

    An Oxfam Emergency Team arrived in Ingushetia in the Northern Caucasus region of the former Soviet Union in August 1996 to set up a program of shelter, rehabilitation, and relief in response to the large influx of people displaced by conflicts in the neighboring republics of Chechnya and North Ossetia. The team was also tasked with contacting community organizations such as women's groups and developing a relationship with them through joint relief work. The Chechen population was comprised of mainly women, children, and the elderly. The internally displaced population of 100,000 people is now scattered throughout the republic in collective centers and host families. Small committees of women were formed to help identify the most vulnerable residents and to distribute winter clothing. It was found during the relief work that fledgling women's groups are establishing themselves as vehicles for change, increasingly open to work with and learn from international organizations such as Oxfam. The Chechen branch of the Union of North Caucasian Women and the Ingushetian ALMOS played leading roles in peacemaking, human rights observance, and humanitarian relief.

  10. American Nurses Association. position statement on assisted suicide.

    Science.gov (United States)

    1995-01-01

    Nurses, individually and collectively, have an obligation to provide comprehensive and compassionate end-of-life care which includes the promotion of comfort and the relief of pain and, at times, forgoing life-sustaining treatments. The American Nurses Association (ANA) believes that the nurse should not participate in assisted suicide. Such an act is in violation of the Code for Nurses with Interpretive Statements (Code for Nurses) and the ethical traditions of the profession.

  11. From Tulip Bulbs to Sub-Prime Mortgages Examining the Sub-Prime Crisis: The Case for a Systemic Approach

    Science.gov (United States)

    Stephens, Alan A.; Atwater, J. Brian; Kannan, Vijay R.

    2013-01-01

    Purpose: The collapse of the sub-prime mortgage market parallels several earlier failures within the financial services sector, begging the question why the lessons of past failures were not learned. Throughout history from the tulip bulb crisis of the 1600s to the most recent economic crisis, decision-makers keep making the same mistakes. This…

  12. How Absent Negativity Relates to Affect and Motivation: An Integrative Relief Model

    Directory of Open Access Journals (Sweden)

    Roland eDeutsch

    2015-03-01

    Full Text Available The present paper concerns the motivational underpinnings and behavioral correlates of the prevention or stopping of negative stimulation – a situation referred to as relief. Relief is of great theoretical and applied interest. Theoretically, it is tied to theories linking affect, emotion and motivational systems (Carver & Scheier, 1990; Gray & McNaughton, 2000; Higgins, 1997; Lang, Bradley, & Cuthbert, 1990. Importantly, these theories make different predictions regarding the association between relief and motivational systems. Moreover, relief is a prototypical antecedent of counterfactual emotions, which involve specific cognitive processes compared to factual or mere anticipatory emotions. Practically, relief may be an important motivator of addictive and phobic behaviors (Mowrer, 1951; Ostafin & Brooks, 2011, self destructive behaviors (Favazza, 1998; Franklin, Lee, Hanna, & Prinstein, 2013, and social influence (Dolinski & Nawrat, 1998. In the present paper, we will first provide a review of conflicting conceptualizations of relief. We will then present an integrative relief model (IRMO that aims at resolving existing theoretical conflicts. We then review evidence relevant to distinctive predictions regarding the moderating role of various procedural features of relief situations. We conclude that our integrated model results in a better understanding of existing evidence on the affective and motivational underpinnings of relief, but that further evidence is needed to come to a more comprehensive evaluation of the viability of IRMO.

  13. 24 CFR 232.595 - Eligibility of title.

    Science.gov (United States)

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED... Fire Safety Equipment Title § 232.595 Eligibility of title. In order for the property which is to be...

  14. 75 FR 69454 - Emergency Homeowners' Loan Program: Notice of Allocation of Funding for Substantially Similar...

    Science.gov (United States)

    2010-11-12

    ... assistance and provide security for such repayment by recordation of a HUD mortgage as a junior lien on the... current first lien mortgage loan payments for which the homeowner remains responsible. IV. Submission of.... Nondiscrimination and Civil Rights Requirements States operating existing programs that provide substantially...

  15. 21 CFR 882.5880 - Implanted spinal cord stimulator for pain relief.

    Science.gov (United States)

    2010-04-01

    ... 21 Food and Drugs 8 2010-04-01 2010-04-01 false Implanted spinal cord stimulator for pain relief... Implanted spinal cord stimulator for pain relief. (a) Identification. An implanted spinal cord stimulator for pain relief is a device that is used to stimulate electrically a patient's spinal cord to relieve...

  16. Southern Alaska Coastal Relief Model

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — NOAA's National Geophysical Data Center (NGDC) is building coastal-relief models (CRM) for select U.S. coastal regions. Bathymetric, topographic, and shoreline data...

  17. Non-Drug Pain Relief: Imagery

    Science.gov (United States)

    PATIENT EDUCATION patienteducation.osumc.edu Non-Drug Pain Relief: Imagery Relaxation helps lessen tension. One way to help decrease pain is to use imagery. Imagery is using your imagination to create a ...

  18. Intra-articular hip injection: does pain relief correlate with radiographic severity of osteoarthritis?

    International Nuclear Information System (INIS)

    Deshmukh, Ajit J.; Rodriguez, Jose A.; Panagopoulos, Georgia; Alizadeh, Ahmadreza; Klein, Devon A.

    2011-01-01

    Intra-articular injection is being used widely for both diagnostic and therapeutic purposes in the hip. However, its efficacy is not always predictable in patients with hip osteoarthritis (OA). The purpose of this study was to determine whether the degree of radiographic severity of OA was predictive of the response to intra-articular injection of local anesthetic with corticosteroid and to determine the relationship between immediate pain relief resulting from the anesthetic and delayed pain relief resulting from corticosteroid administration. This retrospective study included 217 patients (220 injections) with diagnosis of hip OA who underwent a fluoroscopically guided therapeutic hip injection of local anesthetic and corticosteroid. Hip radiographs were scored using the Kellgren-Lawrence scale. Immediate and delayed pain relief was documented using a visual analog scale. Logistic regression analysis was performed to investigate whether age, gender or radiographic severity of OA were independent predictors of pain relief. Degree of agreement between immediate and delayed response was assessed with the kappa coefficient. Immediate pain relief was reported in 68.2% of hips and delayed relief in 71.4% of hips. A high level of agreement was observed between immediate and delayed pain relief (kappa = 0.80, p < 0.001). 94% of patients reporting immediate relief also reported relief 2 weeks later. Univariate and multivariate analysis revealed that neither gender nor age was related to immediate or delayed pain relief. Only severity of OA (based on radiographic analysis) was observed to be predictive of pain relief. Pain relief following intra-articular hip injection correlated with radiographic severity of OA. This intervention may be of therapeutic and prognostic value in patients awaiting hip arthroplasty. (orig.)

  19. Allergy Relief for Your Child

    Science.gov (United States)

    ... Products For Consumers Home For Consumers Consumer Updates Allergy Relief for Your Child Share Tweet Linkedin Pin ... at the FDA. Avoid Pollen, Mold and Other Allergy Triggers If your child has seasonal allergies, pay ...

  20. Survivor needs or logistical convenience? Factors shaping decisions to deliver relief to earthquake-affected communities, Pakistan 2005-06.

    Science.gov (United States)

    Benini, Aldo; Conley, Charles; Dittemore, Brody; Waksman, Zachary

    2009-03-01

    In Bureaucratizing the Good Samaritan, Waters (2001) argues that bureaucratic rationality distracts humanitarian agencies from the needs of the people they are supposed to assist, in favour of other values that their institutional frameworks dictate. We test his claim by investigating the response to the Pakistan 2005 earthquake. One of us (Dittemore) worked with the United Nations Joint Logistics Centre in the theatre, managing a relief cargo shipment database. The response, known as 'Operation Winter Race', was hampered by extreme logistical challenges, but ultimately succeeded in averting a second disaster resulting from cold and starvation. We use statistical models to probe whether survivor needs significantly guided decisions to deliver relief to affected communities. Needs assessments remained incomplete and incoherent. We measure needs through proxy indicators and integrate them, on a Geographic Information System (GIS) platform, with logistics and relief delivery data. We find that, despite strong logistics effects, needs orientations were significant. However, the strength of decision factors varies between commodity types (food versus clothing and shelter versus reconstruction materials) as well as over the different phases of the response. This study confirms Thomas's observation that logistics databases are rich 'repositories of data that can be analyzed to provide post-event learning' (Thomas, 2003, p. 4). This article is an invitation for others to engage in creative humanitarian data management.

  1. The French governmental organisation and relief in France planning in case of a nuclear accident

    International Nuclear Information System (INIS)

    Guizard, C.

    1992-01-01

    Despite of the unlikeliness of a nuclear accident, emergency planning is a must. It has several aspects: Internal Emergency PLan, Specific Intervention Plan, Post Accident and Relief specialized Plan. As a whole, the organisation is similar to the one used for others industrial risks. In a 'Department', the supervisor for overall emergency action is the 'Prefet', a high civil servant appointed by the Cabinet and responsible for nuclear security; all the other civil servants are under the Prefet's command and assist him. A national post-accident plan is being worked out; it will cover all the fields of intervention: control, administration of stable iodine, sheltering or evacuation. (author)

  2. U.S. Coastal Relief Model

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — NGDC's U.S. Coastal Relief Model (CRM) provides the first comprehensive view of the U.S. coastal zone integrating offshore bathymetry with land topography into a...

  3. The dynamic implications of debt relief for low-income countries

    Directory of Open Access Journals (Sweden)

    Alma Lucía Romero-Barrutieta

    2015-06-01

    Full Text Available Debt relief provides low-income countries with an incentive to accumulate debt, boost consumption, and reduce investment over time. We quantify this incentive effect employing a dynamic stochastic general equilibrium model, calibrated to 1982–2006 Ugandan data, and find that long-run debt and consumption-to-GDP ratios are about twice as high with debt relief than without it, while the investment-to-GDP ratio is sixty percent lower. Our simulations show that debt-relief episodes are likely to have only a temporary impact on debt levels but may have a lasting effect over the size of the economy, lowering GDP growth up to twenty percent over time. These results fill a gap in the debt relief literature since, to the best of our knowledge, the quantification of incentive effects is rather scarce. The paper further contributes to the literature by constructing a tractable structural model that is able to replicate the data well and captures key features of low-income countries facing the possibility of debt relief.

  4. 77 FR 13366 - Compliance Assistance Resources and Points of Contact Available to Small Businesses

    Science.gov (United States)

    2012-03-06

    ... compliance assistance resources available to small businesses. This list is available today on the following... Small Businesses AGENCY: Office of Management and Budget, Executive Office of the President. ACTION: Notice. SUMMARY: In accordance with the Small Business Paperwork Relief Act of 2002 (44 U.S.C. 3520), the...

  5. Studies on the visualization of the fine relief of the colon

    International Nuclear Information System (INIS)

    Persigehl, M.; Niemann, G.; Klose, K.C.

    1983-01-01

    The possibility of visualizing the fine relief of the colon was examined by studying human intestinal segments removed post mortem. The visualization depends, among other things, on the extent of expansion of the colon wall. The visualization of the fine relief structure becomes progressively poorer, the greater the extension of the wall. This might indicate that fold formation of the mucosa through a state of contraction of the tunica mucosa is done of the responsible factors for the visualization of the fine relief structures. The article discusses, apart from this factor, the course of the vessels as an anatomical basic pattern determining the manifestation of the fine relief structure; for this purpose, the course of the vessels in the intestine of the dog was visualized by intra-arterial contrast medium injection and then compared with the human fine relief. (orig.) [de

  6. Spontaneous formation of optically induced surface relief gratings

    International Nuclear Information System (INIS)

    Leblond, H; Barille, R; Ahmadi-Kandjani, S; Nunzi, J-M; Ortyl, E; Kucharski, S

    2009-01-01

    We develop a model based on Fick's law of diffusion as a phenomenological description of the molecular motion, and on the coupled mode theory, to describe single-beam surface relief grating formation in azopolymer thin films. The model allows us to explain the mechanism of spontaneous patterning, and self-organization. It allows us to compute the surface relief profile and its evolution, with good agreement with experiments.

  7. Integration of real-time mapping technology in disaster relief distribution.

    Science.gov (United States)

    2013-02-01

    Vehicle routing for disaster relief distribution involves many challenges that distinguish this problem from those in commercial settings, given the time sensitive and resource constrained nature of relief activities. While operations research approa...

  8. Doubling Your Payoff: Winning Pain Relief Engages Endogenous Pain Inhibition1,2,3

    Science.gov (United States)

    Kwan, Saskia; Schweinhardt, Petra

    2015-01-01

    Abstract When in pain, pain relief is much sought after, particularly for individuals with chronic pain. In analogy to augmentation of the hedonic experience (“liking”) of a reward by the motivation to obtain a reward (“wanting”), the seeking of pain relief in a motivated state might increase the experience of pain relief when obtained. We tested this hypothesis in a psychophysical experiment in healthy human subjects, by assessing potential pain-inhibitory effects of pain relief “won” in a wheel of fortune game compared with pain relief without winning, exploiting the fact that the mere chance of winning induces a motivated state. The results show pain-inhibitory effects of pain relief obtained by winning in behaviorally assessed pain perception and ratings of pain intensity. Further, the higher participants scored on the personality trait novelty seeking, the more pain inhibition was induced. These results provide evidence that pain relief, when obtained in a motivated state, engages endogenous pain-inhibitory systems beyond the pain reduction that underlies the relief in the first place. Consequently, such pain relief might be used to improve behavioral pain therapy, inducing a positive, perhaps self-amplifying feedback loop of reduced pain and improved functionality. PMID:26464995

  9. Elevation-relief ratio, hypsometric integral, and geomorphic area-altitude analysis.

    Science.gov (United States)

    Pike, R. J.; Wilson, S. E.

    1971-01-01

    Mathematical proof establishes identity of hypsometric integral and elevation-relief ratio, two quantitative topographic descriptors developed independently of one another for entirely different purposes. Operationally, values of both measures are in excellent agreement for arbitrarily bounded topographic samples, as well as for low-order fluvial watersheds. By using a point-sampling technique rather than planimetry, elevation-relief ratio (defined as mean elevation minus minimum elevation divided by relief) is calculated manually in about a third of the time required for the hypsometric integral.

  10. Decongestants: OTC Relief for Congestion

    Science.gov (United States)

    ... CorrectlyPain Relievers: Understanding Your OTC OptionsAntacids and Acid Reducers: OTC Relief for Heartburn and Acid RefluxOTC Cough ... Loss and Diet Plans Nutrients and Nutritional Info Sugar and Sugar Substitutes Exercise and Fitness Exercise Basics ...

  11. Synapsin determines memory strength after punishment- and relief-learning.

    Science.gov (United States)

    Niewalda, Thomas; Michels, Birgit; Jungnickel, Roswitha; Diegelmann, Sören; Kleber, Jörg; Kähne, Thilo; Gerber, Bertram

    2015-05-13

    Adverse life events can induce two kinds of memory with opposite valence, dependent on timing: "negative" memories for stimuli preceding them and "positive" memories for stimuli experienced at the moment of "relief." Such punishment memory and relief memory are found in insects, rats, and man. For example, fruit flies (Drosophila melanogaster) avoid an odor after odor-shock training ("forward conditioning" of the odor), whereas after shock-odor training ("backward conditioning" of the odor) they approach it. Do these timing-dependent associative processes share molecular determinants? We focus on the role of Synapsin, a conserved presynaptic phosphoprotein regulating the balance between the reserve pool and the readily releasable pool of synaptic vesicles. We find that a lack of Synapsin leaves task-relevant sensory and motor faculties unaffected. In contrast, both punishment memory and relief memory scores are reduced. These defects reflect a true lessening of associative memory strength, as distortions in nonassociative processing (e.g., susceptibility to handling, adaptation, habituation, sensitization), discrimination ability, and changes in the time course of coincidence detection can be ruled out as alternative explanations. Reductions in punishment- and relief-memory strength are also observed upon an RNAi-mediated knock-down of Synapsin, and are rescued both by acutely restoring Synapsin and by locally restoring it in the mushroom bodies of mutant flies. Thus, both punishment memory and relief memory require the Synapsin protein and in this sense share genetic and molecular determinants. We note that corresponding molecular commonalities between punishment memory and relief memory in humans would constrain pharmacological attempts to selectively interfere with excessive associative punishment memories, e.g., after traumatic experiences. Copyright © 2015 Niewalda et al.

  12. Synapsin Determines Memory Strength after Punishment- and Relief-Learning

    Science.gov (United States)

    Niewalda, Thomas; Michels, Birgit; Jungnickel, Roswitha; Diegelmann, Sören; Kleber, Jörg; Kähne, Thilo

    2015-01-01

    Adverse life events can induce two kinds of memory with opposite valence, dependent on timing: “negative” memories for stimuli preceding them and “positive” memories for stimuli experienced at the moment of “relief.” Such punishment memory and relief memory are found in insects, rats, and man. For example, fruit flies (Drosophila melanogaster) avoid an odor after odor-shock training (“forward conditioning” of the odor), whereas after shock-odor training (“backward conditioning” of the odor) they approach it. Do these timing-dependent associative processes share molecular determinants? We focus on the role of Synapsin, a conserved presynaptic phosphoprotein regulating the balance between the reserve pool and the readily releasable pool of synaptic vesicles. We find that a lack of Synapsin leaves task-relevant sensory and motor faculties unaffected. In contrast, both punishment memory and relief memory scores are reduced. These defects reflect a true lessening of associative memory strength, as distortions in nonassociative processing (e.g., susceptibility to handling, adaptation, habituation, sensitization), discrimination ability, and changes in the time course of coincidence detection can be ruled out as alternative explanations. Reductions in punishment- and relief-memory strength are also observed upon an RNAi-mediated knock-down of Synapsin, and are rescued both by acutely restoring Synapsin and by locally restoring it in the mushroom bodies of mutant flies. Thus, both punishment memory and relief memory require the Synapsin protein and in this sense share genetic and molecular determinants. We note that corresponding molecular commonalities between punishment memory and relief memory in humans would constrain pharmacological attempts to selectively interfere with excessive associative punishment memories, e.g., after traumatic experiences. PMID:25972175

  13. Groundbreaking approach to disaster relief

    OpenAIRE

    2008-01-01

    The humanitarian response to Cyclone Nargis, which struck Myanmar on 2 and 3 May, heralds a fundamentally new approach to relief coordination. As a result, a unique survey showed what really happened to the survivors. Sarah Cumberland reports.

  14. 30 CFR 203.53 - What relief will MMS grant?

    Science.gov (United States)

    2010-07-01

    ... 30 Mineral Resources 2 2010-07-01 2010-07-01 false What relief will MMS grant? 203.53 Section 203.53 Mineral Resources MINERALS MANAGEMENT SERVICE, DEPARTMENT OF THE INTERIOR MINERALS REVENUE...-Life Leases § 203.53 What relief will MMS grant? (a) If we approve your application and you meet...

  15. Spontaneous formation of optically induced surface relief gratings

    Energy Technology Data Exchange (ETDEWEB)

    Leblond, H; Barille, R; Ahmadi-Kandjani, S; Nunzi, J-M [Laboratoire POMA, Universite d' Angers, CNRS FRE 2988, 2, Bd Lavoisier, 49045 Angers (France); Ortyl, E; Kucharski, S, E-mail: herve.leblond@univ-angers.f [Wroclaw University of Technology, Faculty of Chemistry, Department of Polymer Engineering and Technology, 50-370 Wroclaw (Poland)

    2009-10-28

    We develop a model based on Fick's law of diffusion as a phenomenological description of the molecular motion, and on the coupled mode theory, to describe single-beam surface relief grating formation in azopolymer thin films. The model allows us to explain the mechanism of spontaneous patterning, and self-organization. It allows us to compute the surface relief profile and its evolution, with good agreement with experiments.

  16. RELIEF JENIS-JENIS FAUNA DAN SETTING LINGKUNGANNYA PADA PAHATAN DINDING CANDI BOROBUDUR (Fauna and Environmental Setting Reliefs on Sculptured Wall of the Borobudur Temple

    Directory of Open Access Journals (Sweden)

    Bambang Agus Suripto

    2001-04-01

    Full Text Available ABSTRAK Dalam perkembangan kebudayaannya, manusia selalu akrab dengan fauna yang hidup di sekitar lingkungannya. Pada dinding gua yang pernah dihuni oleh manusia, bangunan candi, piramid, sphinx dsb. dijumpai gambaran tentang fauna. Pada dinding Candi Borobudur banyak dijumpai relief berbagai kelompok fauna tetapi belum diketahui apakah fauna itu semuanya berasal dari India atau terdapat pula kelompok yang ada atau pernah ada di Pulau Jawa. Tujuan penelitian ini adalah untuk mengetahui relief jenis-jenis fauna yang dipahat pada dinding candi Borobudur, dan mengetahui asal-usul jenis yang tergarnbar pada relief itu dari Pulau Jawa atau dari India. Informasi itu diharapkan dapat diungkapkan ada tidaknya gambaran setting lingkungan Pulau Jawa tercermin pada pahatan di dinding Candi itu. Relief fauna pada pahatan dinding langkan, dinding utama bagian atas-bawah di tingkatan Rupadhatu dipotret dan nama kelompok fauna diindentifikasi dengan buku-buku kunci identifikasi bergambar, kemudian penyebaran alami masing-masing kelompok fauna diketahui melalui kajian pustaka. Data yang diperoleh dianalisis secara deskriptif untuk mengungkap ada atau tidaknya gambaran setting lingkungan Pulau Jawa yang tercermin pada pahatan di dinding Candi Borsbudur. Pada dinding Candi Borobudur terdapat relief paling sedikit 25 jenis anggota Osteichthyes, Reptilia, Aves dan Mammalia yang dipahat secara natural, dan terdapat paling sedikit 5 jenis hewan yang dipahat secara setilir. Semua jenis fauna itu terdapat di Asia Selatan, dan beberapa di anlaranya secara alami tidak pernah hidup di Pulau Jawa, misalnya singa Pantera leo. Setting lingkungan India Abad VII tervisualisasi dengan baik pada relief pahatan dinding Candi Borobudur, tetapi setting lingkungan Pulau Jawa sampai sebelum masa penjajahan Belanda tidak tergambar dengan baik.   ABSTRACT In the cource of culture development, human was always close to fauna in their surrounding areas. Pictures of fauna are found in

  17. 2008 Emlak Krizinin İller Bazında Etkileri(The Effects of 2008 Subprime Mortgage Crisis On The Cities

    Directory of Open Access Journals (Sweden)

    Burhan KABADAYI

    2013-12-01

    Full Text Available The aim of the study is to examine the effects of 2008 Mortgage Crisis started at USA on the cities of Turkey. The effects of the crisis were analyzed by current bank credit per capita and external trade structure. As a consequence, relatively less developed cities were affected by crisis less than developed cities of Turkey.

  18. Analysis of residual stress relief mechanisms in post-weld heat treatment

    International Nuclear Information System (INIS)

    Dong, Pingsha; Song, Shaopin; Zhang, Jinmiao

    2014-01-01

    This paper presents a recent study on weld residual stress relief mechanisms associated with furnace-based uniform post-weld heat treatment (PWHT). Both finite element and analytical methods are used to quantitatively examine how plastic deformation and creep relaxation contribute to residual stress relief process at different stages of PWHT process. The key contribution of this work to an improved understanding of furnace based uniform PWHT can be summarized as follows: (1)Plastic deformation induced stress relief during PWHT can be analytically expressed by the change in material elastic deformation capacity (or elastic deformation limit) measured in terms of material yield strength to Young's modulus ratio, which has a rather limited role in overall residual stress relief during furnace based uniform PWHT. (2)The most dominant stress relief mechanism is creep strain induced stress relaxation, as expected. However, a rapid creep strain development accompanied by a rapid residual stress reduction during heating stage before reaching PWHT temperature is shown to contribute to most of the stress relief seen in overall PWHT process, suggesting PWHT hold time can be significantly reduced as far as residual stress relief is concerned. (3)A simple engineering scheme for estimating residual stress reduction is proposed based on this study by relating material type, PWHT temperature, and component wall thickness. - Highlights: • The paper clarified effects of plastic deformation and creep relaxation on weld residual stress relief during uniform PWHT. • Creep strain development is far more important than plastic strain, mostly completed even before hold time starts. • Plastic strain development is insignificant and be analytically described by a material elastic deformation capacity parameter. • An engineering estimation scheme is proposed for determining residual stress reduction resulted from furnace based PWHT

  19. 38 CFR 21.382 - Training and staff development for personnel providing assistance under Chapter 31.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Training and staff....382 Training and staff development for personnel providing assistance under Chapter 31. (a) General. VA shall provide a program of ongoing professional training and development for staff of the VR&E...

  20. Music for pain relief.

    Science.gov (United States)

    Cepeda, M S; Carr, D B; Lau, J; Alvarez, H

    2006-04-19

    The efficacy of music for the treatment of pain has not been established. To evaluate the effect of music on acute, chronic or cancer pain intensity, pain relief, and analgesic requirements. We searched The Cochrane Library, MEDLINE, EMBASE, PsycINFO, LILACS and the references in retrieved manuscripts. There was no language restriction. We included randomized controlled trials that evaluated the effect of music on any type of pain in children or adults. We excluded trials that reported results of concurrent non-pharmacological therapies. Data was extracted by two independent review authors. We calculated the mean difference in pain intensity levels, percentage of patients with at least 50% pain relief, and opioid requirements. We converted opioid consumption to morphine equivalents. To explore heterogeneity, studies that evaluated adults, children, acute, chronic, malignant, labor, procedural, or experimental pain were evaluated separately, as well as those studies in which patients chose the type of music. Fifty-one studies involving 1867 subjects exposed to music and 1796 controls met inclusion criteria. In the 31 studies evaluating mean pain intensity there was a considerable variation in the effect of music, indicating statistical heterogeneity ( I(2) = 85.3%). After grouping the studies according to the pain model, this heterogeneity remained, with the exception of the studies that evaluated acute postoperative pain. In this last group, patients exposed to music had pain intensity that was 0.5 units lower on a zero to ten scale than unexposed subjects (95% CI: -0.9 to -0.2). Studies that permitted patients to select the music did not reveal a benefit from music; the decline in pain intensity was 0.2 units, 95% CI (-0.7 to 0.2). Four studies reported the proportion of subjects with at least 50% pain relief; subjects exposed to music had a 70% higher likelihood of having pain relief than unexposed subjects (95% CI: 1.21 to 2.37). NNT = 5 (95% CI: 4 to 13). Three

  1. Experiences from tsunami relief activity: implications for medical education.

    Science.gov (United States)

    Balasubramaniam, Sudharsanam Manni; Mohan, Yogesh; Roy, Gautam

    2012-01-01

    A tsunami struck the coast of Tamilnadu and Pondicherry on 26 December 2004. Jawaharlal Institute of Postgraduate Medical Education & Research, (JIPMER) in Pondicherry played a vital role in providing medical relief. The experiences from the relief activities revealed areas of deficiency in medical education in regards to disaster preparedness. A qualitative study using focus group discussion was employed to find the lacunae in skills in managing medical relief measures. Many skills were identified; the most important of which was addressing the psychological impact of the tsunami on the victims. Limited coordination and leadership skills were also identified. It is recommended that activity-based learning can be included in the curriculum to improve these skills.

  2. Patient expectations predict greater pain relief with joint arthroplasty.

    Science.gov (United States)

    Gandhi, Rajiv; Davey, John Roderick; Mahomed, Nizar

    2009-08-01

    We examined the relationship between patient expectations of total joint arthroplasty and functional outcomes. We surveyed 1799 patients undergoing primary hip or knee arthroplasty for demographic data and Western Ontario McMaster University Osteoarthritis Index scores at baseline, 3 months, and 1 year of follow-up. Patient expectations were determined with 3 survey questions. The patients with the greatest expectations of surgery were younger, male, and had a lower body mass index. Linear regression modeling showed that a greater expectation of pain relief with surgery independently predicted greater reported pain relief at 1 year of follow-up, adjusted for all relevant covariates (P relief after joint arthroplasty is an important predictor of outcomes at 1 year.

  3. Mechanical Designs for Relief Valves for Cryogenic Apparatuses and Installations

    CERN Multimedia

    CERN. Geneva

    2016-01-01

    There are also pressure relief valves with warm seat available on which the set pressure is based on an adjustment of forces by permanent magnets. Pressure vessel rules allows also the choice for an active triggered pressure relief valve (Cont...

  4. Pictorial relief for equiluminant images

    NARCIS (Netherlands)

    Van Doorn, A.J.; De Ridder, H.; Koenderink, J.J.

    2005-01-01

    Pictorial relief depends strongly on “cues” in the image. For isoluminant renderings some cues are missing, namely all information that is related to luminance contrast (e.g., shading, atmospheric perspective). It has been suggested that spatial discrimination and especially pictorial space suffer

  5. Service Learning Through Disaster Relief

    Directory of Open Access Journals (Sweden)

    Donna J. Duerst

    2010-06-01

    Full Text Available The Rock County 4-H Disaster Relief Committee raised $1,550 to aid tsunami victims in Sri Lanka and then turned its attention to Hurricane Katrina relief efforts. Thirty-one 4-H youth participated in a service learning trip to the South with the objectives of helping hurricane victims, learning about new cultures and achieving personal growth during three days of service projects in Louisiana and Mississippi. Their written reflections and other evaluative measures revealed they learned about southern culture, gained a greater appreciation for their lives, gained self confidence and developed a desire to help others more often. The trip was a valuable developmental experience for the youth, and information from the trip could be utilized to create similar experiences based on service learning. This article provides an overview of the trip and describes the evaluation methods used to measure learning and assess personal growth.

  6. The science behind animal-assisted therapy.

    Science.gov (United States)

    Marcus, Dawn A

    2013-04-01

    Animal-assisted therapy is a complementary medicine intervention, typically utilizing dogs trained to be obedient, calm, and comforting. Several studies have reported significant pain relief after participating in therapy dog visits. Objective reports of reduced pain and pain-related symptoms are supported by studies measuring decreased catecholamines and increased endorphins in humans receiving friendly dog visits. Mirror neuron activity and disease-perception through olfactory ability in dogs may also play important roles in helping dogs connect with humans during therapeutic encounters. This review will explore a variety of possible theories that may explain the therapeutic benefits that occur during therapy dog visits.

  7. Epidural morphine for postoperative pain relief in children

    DEFF Research Database (Denmark)

    Henneberg, S W; Hole, P; Haas, Inge Madsen De

    1993-01-01

    Epidural morphine for postoperative pain relief is in general use, and has proved to be very efficient in adults. The epidural technique and the use of epidural morphine are much less frequent in children. For 2 years we have prospectively followed 76 children who had epidural morphine...... for postoperative pain relief after major abdominal surgery. The age distribution was from newborn to 13 years, with a median age of 12 months. It was estimated that 94% of the patients had good analgesia for the first 24 postoperative hours and no other opioids were given. The side effects were few, but one case...... the investigation. We observed a change in the sleeping pattern with an increased number of sleep-induced myoclonia during the administration of epidural morphine. In conclusion, the use of epidural morphine in children for postoperative pain relief is very efficient. The minimal effective dose has not been...

  8. Multinarasi Relief Yeh Pulu Basis Penciptaan Seni Lukis Kontemporer

    Directory of Open Access Journals (Sweden)

    I Wayan Adnyana

    2018-05-01

    Full Text Available Kajian ini merupakan skema penelitian terapan, yang bertujuan untuk mengungkap konsep multinarasi relief Yeh Pulu, Bedulu, Gianyar, Bali, sebagai basis penciptaan seni lukis kontemporer. Secara metodologis penelitian ini dilakukan dalam dua tahapan: penelitian lapangan (kajian atas narasi relief berdasar perspektif ikonologi Panofsky (1971, dan berikutnya penelitian eksperimen terkait penciptaan seni lukis kontemporer berdasar perspektif ‘art practice as a research’ (Sullivan, 2005 yang menunjuk pada tiga tahapan: eksperimen medium, bahasa visual, dan penyusunan konteks yang relevan. Berdasar kajian ikonologi, terutama tahap analisis ikonografi, ditemukan bahwa narasi relief Yeh Pulu bersifat multinarasi, yakni pahatan relief yang memiliki beragam jenis tema cerita, seperti praktik pertanian, berburu, meditasi, pesta, asmara, dan lain-lain. Kemudian konsep multinarasi dalam penciptaan seni lukis kontemporer, menjadi: (a secara medium menggunakan multiteknik dan medium; (b bahasa visual, menghadirkan berbagai adegan secara berulang, terpadu dan bahkan terkesan saling berlawanan; (c konteks yang relevan, dengan memasukan ikon tokok-toko pahlawan dunia pop, seperti superman, superwomen, dan lain-lain. Secara ikonologis, bangunan visual yang mempertemukan adegan multinarasi relief Yeh Pulu dengan narasi kepahlawanan dunia pop, menjadi semakin menguatkan konsep multinarasi dalam membangun pesan kepahlawanan dunia sehari-hari dalam karya seni lukis kontemporer semakin berhasil. Penelitian ini melibatkan: Anak Agung Rai Remawa (pengumpul data, dan  Ni Luh Desi In Diana Sari (fotografi dan layout. This paper serves as an applied research scheme which aims to reveal the concept of multiple narratives of Yeh Pulu Relief, located in Bedulu, Bali, as the basis for the creation of contemporary painting. Methodologically speaking, this study was conducted in two stages: a field research (a field study on the relief narratives based on Panofsky

  9. An Analysis of United States Naval Participation in Operation Tomodachi: Humanitarian and Disaster Relief in the Tsunami-Stricken Japanese Mainland

    Science.gov (United States)

    2012-06-01

    X X X X X X X X X X X X X X X X X X O USNS TORTUGA LSD U U U X X X X X X X X X X X X X X X X X X X X X X X X X O USNS BLUE RIDGE LCC U U U U U U U X...and the time needed to load relief supplies. The Essex Amphibious Ready Group’s remaining element, USS Tortuga (LSD 46), began assistance efforts

  10. Donation to disaster relief campaigns: underlying social cognitive factors exposed

    NARCIS (Netherlands)

    Oosterhof, Liesbeth; Heuvelman, A.; Peters, O.

    2009-01-01

    number of very serious natural disasters have put an enormous pressure on relief organizations in the last few years. The present study exposes underlying social cognitive factors for donation to relief campaigns. A causal model was constructed, based on social cognitive theory, research on

  11. Ultrasonic evaluation of heat treatment for stress relief in steel

    International Nuclear Information System (INIS)

    Bittencourt, Marcelo de S.Q.; Lamy, Carlos A.; Goncalves Filho, Orlando J.A.; Payao Filho, Joao da C.

    2000-01-01

    Residual stresses in materials arise due to the manufacturing processes. As a consequence, in the nuclear area some components must suffer a stress relief treatment according to strict criteria. Although these treatments are carefully carried on, concern with nuclear safety is constantly growing. This work proposes a nondestructive ultrasonic method to guarantee the efficiency of the heat treatment. It was used a short peened steel plate with tensile and compressive stresses which was submitted to a stress relief treatment. The results show that the proposed ultrasonic method could be used to confirm the efficiency of the stress relief heat treatment. (author)

  12. 19 CFR 210.69 - Approval of complainant's temporary relief bond.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 3 2010-04-01 2010-04-01 false Approval of complainant's temporary relief bond. 210.69 Section 210.69 Customs Duties UNITED STATES INTERNATIONAL TRADE COMMISSION INVESTIGATIONS OF UNFAIR PRACTICES IN IMPORT TRADE ADJUDICATION AND ENFORCEMENT Temporary Relief § 210.69 Approval of...

  13. ASSESSMENT OF SURFACE QUALITY FOR CHOSEN MILLING STRATEGIES WHEN PRODUCING RELIEF SURFACES

    OpenAIRE

    Jan Varga; Jozef Stahovec; Jozef Beno; Marek Vrabeľ

    2014-01-01

    The paper deals with design and modeling of the relief surfaces that are produced in milling. Modeled and real surface quality is presented for the chosen fragments of the relief surfaces. Fragmentation of the relief surfaces has been made by the surface sampling. Milling strategies are compared with regard to surface formation. Surface quality was checked with regard to applied cutting conditions.

  14. Modeling the onset and offset of dental pain relief by ibuprofen.

    Science.gov (United States)

    Li, Hanbin; Mandema, Jaap; Wada, Russell; Jayawardena, Shyamalie; Desjardins, Paul; Doyle, Geraldine; Kellstein, David

    2012-01-01

    Onset and offset of dental pain relief by ibuprofen following third molar extraction were modeled in a randomized, double-blind, placebo-controlled, parallel-group, 8-hour study of patients receiving either a novel effervescent ibuprofen tablet (400 mg; N = 30), standard ibuprofen tablets (Nurofen(®) 2 × 200 mg; N = 22), or placebo (N = 37). An Emax model was fit to pain relief scores. Linear hazard models were used to analyze the time to first perceptible relief (TFPR), the time to meaningful pain relief (TMPR), and time to remedication (REMD). Nomograms were created to correlate TFPR, TMPR, and REMD with different ibuprofen pharmacokinetic profiles. Effervescent ibuprofen was absorbed rapidly with 95% completion within 15 minutes. Maximum pain relief score by ibuprofen was 1.8 units greater than placebo, with an EC50 (effect-site) for ibuprofen concentration of 10.2 µg·mL(-1). The likelihood to achieve TFPR and TMPR was doubled for every 10 µg·mL(-1) increase in ibuprofen plasma concentration. REMD risk decreased 40-fold as the categorical pain relief score increased from 0 to 3. Rapid absorption of ibuprofen effervescent resulted in an earlier TFPR and TMPR, and a lower REMD rate than standard ibuprofen. The nomograms may be useful in predicting the onset and offset of new faster acting ibuprofen formulations, based on pharmacokinetic profiles.

  15. 26 CFR 1.6050H-1T - Information reporting of mortgage interest received in a trade or business from individuals after...

    Science.gov (United States)

    2010-04-01

    ... commercial loan because the proceeds were used to finance the payor's trade or business, the obligation is... is a mortgage shall be made without regard to the interest recipient's classification of that... classifies the obligation as a commercial loan because the proceeds are to be used to finance the payor's...

  16. Estimation of Erosion Dissection of North-Eastern Caucasus Relief for Recreational Land Use

    Directory of Open Access Journals (Sweden)

    Zagir V. Ataev

    2012-02-01

    Full Text Available The digital model of the relief (DMR of North-East Caucasus relief was used for an estimation of an erosive partition of territory. The card of usages of erosive forms and density of an erosive partition of a relief was made on basis of GIS-technology. The analysis of these parameters has allowed to estimate the potential of a relief of studied territory for such kinds of touristic and recreational activity, as foot and a cycle tourism

  17. Lake Bathymetric DEM Shaded Relief Image

    Data.gov (United States)

    Minnesota Department of Natural Resources — Geo-referenced, shaded relief image of lake bathymetry classified at 5-foot depth intervals. This dataset has a cell resolution of 5 meters (occasionally 10m) as...

  18. Asthma Patients in US Overuse Quick-Relief Inhalers, Underuse Control Medications

    Science.gov (United States)

    ... quick-relief inhalers, underuse control medications Share | Asthma patients in US overuse quick-relief inhalers, underuse control ... and uncontrolled asthma result in poor health outcomes. Patients with well-controlled asthma are at lower risk ...

  19. The Team Approach to Pain Relief

    Science.gov (United States)

    ... Navigation Bar Home Current Issue Past Issues The Team Approach to Pain Relief Past Issues / Fall 2007 ... Roberts is seen here with some of the team members, (left to right) Dr. Berger, Jacques Bolle, ...

  20. 30 CFR 204.204 - What accounting and auditing relief will MMS not allow?

    Science.gov (United States)

    2010-07-01

    ... 30 Mineral Resources 2 2010-07-01 2010-07-01 false What accounting and auditing relief will MMS... INTERIOR MINERALS REVENUE MANAGEMENT ALTERNATIVES FOR MARGINAL PROPERTIES Accounting and Auditing Relief § 204.204 What accounting and auditing relief will MMS not allow? MMS will not approve your request for...

  1. Direct Magnetic Relief Recording Using As40S60: Mn-Se Nanocomposite Multilayer Structures.

    Science.gov (United States)

    Stronski, A; Achimova, E; Paiuk, O; Meshalkin, A; Prisacar, A; Triduh, G; Oleksenko, P; Lytvyn, P

    2017-12-01

    Processes of holographic recording of surface relief structures using As 2 S 3 :Mn-Se multilayer nanostructures as registering media were studied in this paper. Optical properties of As 2 S 3 :Mn, Se layers, and As 2 S 3 :Mn-Se multilayer nanostructures were investigated. Values of optical bandgaps were obtained from Tauc dependencies. Surface relief diffraction gratings were recorded. Direct one-stage formation of surface relief using multilayer nanostructures is considered. For the first time, possibility of direct formation of magnetic relief simultaneous with surface relief formation under optical recording using As 2 S 3 :Mn-Se multilayer nanostructures is shown.

  2. U.S. Coastal Relief Model - Hawaii

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — NGDC's U.S. Coastal Relief Model (CRM) provides the first comprehensive view of the U.S. coastal zone integrating offshore bathymetry with land topography into a...

  3. Inventory slack routing application in emergency logistics and relief distributions.

    Science.gov (United States)

    Yang, Xianfeng; Hao, Wei; Lu, Yang

    2018-01-01

    Various natural and manmade disasters during last decades have highlighted the need of further improving on governmental preparedness to emergency events, and a relief supplies distribution problem named Inventory Slack Routing Problem (ISRP) has received increasing attentions. In an ISRP, inventory slack is defined as the duration between reliefs arriving time and estimated inventory stock-out time. Hence, a larger inventory slack could grant more responsive time in facing of various factors (e.g., traffic congestion) that may lead to delivery lateness. In this study, the relief distribution problem is formulated as an optimization model that maximize the minimum slack among all dispensing sites. To efficiently solve this problem, we propose a two-stage approach to tackle the vehicle routing and relief allocation sub-problems. By analyzing the inter-relations between these two sub-problems, a new objective function considering both delivery durations and dispensing rates of demand sites is applied in the first stage to design the vehicle routes. A hierarchical routing approach and a sweep approach are also proposed in this stage. Given the vehicle routing plan, the relief allocation could be easily solved in the second stage. Numerical experiment with a comparison of multi-vehicle Traveling Salesman Problem (TSP) has demonstrated the need of ISRP and the capability of the proposed solution approaches.

  4. Measuring Paleolandscape Relief in Alluvial River Systems from the Stratigraphic Record

    Science.gov (United States)

    Hajek, E. A.; Trampush, S. M.; Chamberlin, E.; Greenberg, E.

    2017-12-01

    Aggradational alluvial river systems sometimes generate relief in the vicinity of their channel belts (i.e. alluvial ridges) and it has been proposed that this process may define important thresholds in river avulsion. The compensation scale can be used to estimate the maximum relief across a landscape and can be connected to the maximum scale of autogenic organization in experimental and numerical systems. Here we use the compensation scale - measured from outcrops of Upper Cretaceous and Paleogene fluvial deposits - to estimate the maximum relief that characterized ancient fluvial landscapes. In some cases, the compensation scale significantly exceeds the maximum channel depth observed in a deposit, suggesting that aggradational alluvial systems organize to sustain more relief than might be expected by looking only in the immediate vicinity of the active channel belt. Instead, these results indicate that in some systems, positive topographic relief generated by multiple alluvial ridge complexes and/or large-scale fan features may be associated with landscape-scale autogenic organization of channel networks that spans multiple cycles of channel avulsion. We compare channel and floodplain sedimentation patterns among the studied ancient fluvial systems in an effort to determine whether avulsion style, channel migration, or floodplain conditions influenced the maximum autogenic relief of ancient landscapes. Our results emphasize that alluvial channel networks may be organized at much larger spatial and temporal scales than previously realized and provide an avenue for understanding which types of river systems are likely to exhibit the largest range of autogenic dynamics.

  5. Adequacy of Flood Relief Shelters: A Case Study in Perak, Malaysia

    Science.gov (United States)

    Zawani Zahari, Nur; Mustafa Hashim, Ahmad

    2018-03-01

    The recent flood event occurred in 2014 had caused disastrous effects in Peninsular Malaysia in states of Kelantan, Pahang, Terengganu, Perak, Johor and Perlis. Perak state was reported with 12,115 victims from 2,896 families registered at 77 relief shelters. There are several issues encountered by the victims and related agencies which caused inconveniences and interruptions during the flooding period. Besides, the usage of public buildings as relief shelters contributes to deterioration of the infrastructures whereby their suitability, convenient, capacity and safety might not be optimum for longer period of time. This paper focuses on the assessment of relief shelters established in Perak Tengah district, Perak. Standards and guidelines for relief shelters were reviewed according to the most relevant agreed principles for humanitarian response. Data and information in this study were obtained from survey activities, interview sessions and observations. In Perak Tengah, more than 50% of the previous relief shelters were public buildings with low capacity areas. Strategic location of shelters with proper design standards should be established to ensure safe and healthy environment for the victims. Findings from this paper provide important outcomes to serve as better preparation in handling future disaster.

  6. Numerical investigation on cavitation in pressure relief valve for coal liquefaction

    International Nuclear Information System (INIS)

    Ou, G F; Li, W Z; Xiao, D H; Zheng, Z J; Dou, H S; Wang, C

    2015-01-01

    The pressure relief valve for regulating the level of the high-pressure separator works under a pressure difference up to 15 MPa in the temperature of 415 °C. Severe cavitation erosion and particle impact lead to the valve disc's mass loss. In this paper, three-dimensional turbulent cavitating flows in the pressure relief valve are numerically simulated to reveal the mechanism of mass loss at valve disc. The RNG k-ε turbulence model and the mixture model with a mass transfer for cavitation are employed to simulate the cavitating flow in the pressure relief valve. The result shows that there is phase change in the pressure relief process and cavitation bubbles would be transported by high-velocity backflow to the head of valve disc. For the local pressure higher than the saturated vapor pressure, the bubbles collapse at the head of disc and cavitation erosion is formed at the head of the disc. By comparing the cases of opening of 40%, 50%, and 60%, backflow velocity and cavitation region in front of the disc decrease with the opening increase. Therefore, during the actual operation, the pressure relief valve should be kept to a relatively large opening

  7. Shaded Relief of Minnesota Elevation - Color

    Data.gov (United States)

    Minnesota Department of Natural Resources — This file is a product of a shaded relief process on the 30 meter resolution Digital Elevation Model data (dem30im3). This image was created using a custom AML...

  8. Suicide Prevention for Local Public and Volunteer Relief Workers in Disaster-Affected Areas.

    Science.gov (United States)

    Wang, Xiao Lu; Yip, Paul S F; Chan, Cecilia L W

    2016-01-01

    Local workforces play a critical role in disaster relief and reconstruction. However, the mental health of local relief workers might be affected by disasters, threatening the sustainability of local workforces. In this study, we tried to address this concern by investigating the well-being of local relief workers and its association with suicidal ideation. A retrospective study was conducted. Surveys were designed to collect data from a purposive sample of local disaster relief workers who survived a disaster. Binary logistic regression analysis was performed to test hypotheses. The study sample was from a population of local relief workers in the worst quake-hit regions in China in 2008. The respondents were local relief workers from a town in these regions. All of the 83 local relief workers were invited 11 months after the earthquake, and 70 joined the study, resulting in a response rate of 84.3%. The dependent variable was postdisaster suicidal ideation. The independent variables were bereavement, depression and posttraumatic stress, daily work hours, job burnout, work-family conflict, and work engagement. Approximately 21.4% of participants reported suicidal ideation after the earthquake in comparison with 7.1% before the earthquake. One potential risk factor was an interaction effect of job burnout and work-family conflict (odds ratio [OR] = 3.738; 95% confidence interval [CI], 1.086-12.868). Potential protective factors included daily work hours (OR = 0.317; 95% CI, 0.106-0.952) and work engagement (OR = 0.297; 95% CI, 0.091-0.969). Findings suggest that for local relief workers who are also disaster survivors, meaningful engagement such as participation in disaster relief could be salutary to their mental health, but overwork and interference with personal life could be harmful and increase the risk of suicidal ideation. Discretion is needed in managing local workforces, particularly with long work hours and work-family balance.

  9. Eksplorasi Pose dalam Pemotretan Model Melalui Kajian Visual Relief Karmawibhangga

    Directory of Open Access Journals (Sweden)

    Noor Latif CM

    2015-10-01

    Full Text Available Karmawibhangga Relief panel located at the foot of Borobudur is a relic of the visual artifacts that contains fragments of past life with a very high historical value. 160 Karmawibhangga panels tell the reality of people's lives at the time wrapped with a moral message plight. The relief provides a lot of visual references to be excavated and reconstructed again for the benefit of the creative industries today. This research digged one small part of the masterpieces of the past through photography. Understanding visual artists who create these reliefs will be beauty in the show gestures in building a very interesting story to be re-examined. Visual communication through gestures in relief Karmawibhangga enables new assumptions about body language dialect differences to current conditions. Through model genre photography, it is very useful in connection with the development of local nuanced scientific photography. Efforts to develop the traditions and culture through new media are expected to be creative commodity with a very strong product differentiation. 

  10. Relief Evolution in Tectonically Active Mountain Ranges

    Science.gov (United States)

    Whipple, Kelin X.

    2004-01-01

    The overall aims of this 3-yr project, as originally proposed were to: (1) investigate quantitatively the roles of fluvial and glacial erosion in the evolution of relief in mountainous regions, and (2) test rigorously the quality and accuracy of SRTM topographic data in areas of rugged relief - both the most challenging and of greatest interest to geomorphic, neotectonic, and hazards applications. Natural laboratories in both the western US and the Southern Alps of New Zealand were identified as most promising. The project has been both successful and productive, despite the fact that no SRTM data for our primary field sites in New Zealand were released on the time frame of the work effort. Given the delayed release of SRTM data, we pursued the scientific questions of the roles of fluvial and, especially, glacial erosion in the evolution of relief in mountainous regions using available digital elevation models (DEMs) for the Southern Alps of New Zealand (available at both 25m and 50m pixel sizes), and USGS 10m and 30m DEMs within the Western US. As emphasized in the original proposal, we chose the emphasis on the role of glacial modification of topographic relief because there has been little quantitative investigation of glacial erosion processes at landscape scale. This is particularly surprising considering the dramatic sculpting of most mid- and high-latitude mountain ranges, the prodigious quantities of glacially-derived sediment in terrestrial and marine basins, and the current cross-disciplinary interest in the role of denudational processes in orogenesis and the evolution of topography in general. Moreover, the evolution of glaciated landscapes is not only a fundamental problem in geomorphology in its own right, but also is at the heart of the debate over Late Cenozoic linkages between climate and tectonics.

  11. The Chicago Fire of 1871: A Bottom Up Approach to Disaster Relief

    OpenAIRE

    Skarbek, Emily C.

    2014-01-01

    Can bottom-up relief efforts lead to recovery after disasters? Conventional wisdom and contemporary public policy suggest that major crises require centralized authority to provide disaster relief goods. Using a novel set of comprehensive donation and expenditure data collected from archival records, this paper examines a bottom-up relief effort following one of the most devastating natural disasters of the nineteenth century: the Chicago Fire of 1871. Findings show that while there was no ce...

  12. Lessons from DoD Disaster Relief Efforts in the Asia-Pacific Region

    Science.gov (United States)

    2013-01-01

    Orientation & Review,” USARPAC briefing, undated; “USARPAC OSInt Support to Cyclone nargis Relief Efforts in Burma 2008,” USARPAC briefing, undated; phone...all organizations relied, to a large extent, on the staff and national partners they already had 71 “USARPAC OSINT Support to Cyclone Nargis Relief...undated. As of September 8, 2012: http://www.kadena.af.mil/shared/media/document/AFD-120426-002.pdf “USARPAC OSINT Support to Cyclone Nargis Relief

  13. 31 CFR 309.12 - Relief on account of loss, theft or destruction, etc.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Relief on account of loss, theft or... BILLS § 309.12 Relief on account of loss, theft or destruction, etc. (a) Relief on account of the loss, theft, destruction, mutilation or defacement of Treasury bills may be given only under the authority of...

  14. Evaluation of an International Disaster Relief Team After Participation in an ASEAN Regional Forum Disaster Relief Exercise.

    Science.gov (United States)

    Lee, Jeong Il; Lee, Kang Hyun; Kim, Oh Hyun; Cha, Yong Sung; Hwang, Sung Oh; Kim, Hyun; Cha, Kyung Chul

    2016-10-01

    Devastating disasters around the world directly contribute to significant increases in human mortality and economic costs. The objective of this study was to examine the current state of the Korea Disaster Relief Team that participated in an international training module. The whole training period was videotaped in order to observe and evaluate the respondents. The survey was carried out after completion of the 3-day training, and the scores were reported by use of a 5-point Likert scale. A total of 43 respondents were interviewed for the survey, and the results showed that the overall preparedness score for international disasters was 3.4±1.6 (mean±SD). The awareness of the Incident Command System for international disasters was shown to be low (3.5±1.1). Higher scores were given to personnel who took on leadership roles in the team and who answered "I knew my duty" (4.4±0.6) in the survey, as well as to the training participants who answered "I clearly knew my duty" (4.5±0.5). The preparedness level of the Korea Disaster Relief Team was shown to be insufficient, whereas understanding of the roles of leaders and training participants in the rescue team was found to be high. It is assumed that the preparedness level for disaster relief must be improved through continued training. (Disaster Med Public Health Preparedness. 2016;1-5).

  15. Optimization and Simulation Modeling of Disaster Relief Supply Chain: A Literature Review

    OpenAIRE

    Feng, Keli; Bizimana, Emmanuel; Agu, Deedee D.; Issac, Tana T.

    2012-01-01

    Recent natural and man-made disasters underscore the need of a resilient and agile disaster relief supply chain to mitigate the damages and save people’s lives. Optimization and simulation modeling have become powerful and useful tools to help decision makers tackle problems related to disaster relief supply chain. This paper reviews optimization and simulation models used in the field of disaster relief supply chain. We review the literature of the facility location optimization problems of ...

  16. Feeling worse to feel better: pain-offset relief simultaneously stimulates positive affect and reduces negative affect.

    Science.gov (United States)

    Franklin, Joseph C; Lee, Kent M; Hanna, Eleanor K; Prinstein, Mitchell J

    2013-04-01

    Although pain itself induces negative affect, the removal (or offset) of pain induces a powerful state of relief. Despite being implicated in a wide range of psychological and behavioral phenomena, relief remains a poorly understood emotion. In particular, some theorists associate relief with increased positive affect, whereas others associate relief with diminished negative affect. In the present study, we examined the affective nature of relief in a pain-offset paradigm with psychophysiological measures that were specific to negative valence (startle eyeblink reactivity) and positive valence (startle postauricular reactivity). Results revealed that pain offset simultaneously stimulates positive affect and diminishes negative affect for at least several seconds. Results also indicated that pain intensity differentially affects the positive and negative valence aspects of relief. These findings clarify the affective nature of relief and provide insight into why people engage in both normal and abnormal behaviors associated with relief.

  17. Fraktalnist deformational relief polycrystalline aluminum

    Directory of Open Access Journals (Sweden)

    М.В. Карускевич

    2006-02-01

    Full Text Available  The possibility of the fractal geometry method application for the analisys of surface deformation structures under cyclic loading is presented.It is shown, that deformation relief of the alclad aluminium alloyes meets the criteria of the fractality. For the fractal demention estimation the method of  “box-counting”can be applied.

  18. Unmanned Aerial Vehicle Systems for Disaster Relief: Tornado Alley

    Science.gov (United States)

    DeBusk, Wesley M.

    2009-01-01

    Unmanned aerial vehicle systems are currently in limited use for public service missions worldwide. Development of civil unmanned technology in the United States currently lags behind military unmanned technology development in part because of unresolved regulatory and technological issues. Civil unmanned aerial vehicle systems have potential to augment disaster relief and emergency response efforts. Optimal design of aerial systems for such applications will lead to unmanned vehicles which provide maximum potentiality for relief and emergency response while accounting for public safety concerns and regulatory requirements. A case study is presented that demonstrates application of a civil unmanned system to a disaster relief mission with the intent on saving lives. The concept utilizes unmanned aircraft to obtain advanced warning and damage assessments for tornados and severe thunderstorms. Overview of a tornado watch mission architecture as well as commentary on risk, cost, need for, and design tradeoffs for unmanned aerial systems are provided.

  19. Paracetamol for pain relief after surgical removal of lower wisdom teeth

    NARCIS (Netherlands)

    Weil, K.; Hooper, L.; Afzal, Z.; Esposito, M.; Worthington, H.V.; van Wijk, A.J.; Coulthard, P.

    2008-01-01

    Background: Paracetamol has been commonly used for the relief of postoperative pain following oral surgery. In this review we investigated the optimal dose of paracetamol and the optimal time for drug administration to provide pain relief, taking into account the side effects of different doses of

  20. 21 CFR 882.5870 - Implanted peripheral nerve stimulator for pain relief.

    Science.gov (United States)

    2010-04-01

    ....5870 Implanted peripheral nerve stimulator for pain relief. (a) Identification. An implanted peripheral nerve stimulator for pain relief is a device that is used to stimulate electrically a peripheral nerve... 21 Food and Drugs 8 2010-04-01 2010-04-01 false Implanted peripheral nerve stimulator for pain...

  1. 32 CFR 516.19 - Injunctive relief.

    Science.gov (United States)

    2010-07-01

    ... Defense Department of Defense (Continued) DEPARTMENT OF THE ARMY AID OF CIVIL AUTHORITIES AND PUBLIC RELATIONS LITIGATION Reporting Legal Proceedings to HQDA § 516.19 Injunctive relief. (a) General. Plaintiffs...). Because these actions can quickly impede military functions, immediate and decisive action must be taken...

  2. Mental health risks in the local workforce engaged in disaster relief and reconstruction.

    Science.gov (United States)

    Wang, Xiao L; Chan, Cecilia L W; Shi, Zhan B; Wang, Bin

    2013-02-01

    To build a sustainable workforce for long-term disaster relief and reconstruction, more effort must be made to promote local relief workers' mental health. We conducted 25 semistructured interviews with local relief officials 10 months after the 2008 earthquake in China to investigate the stress and coping experiences in their personal lives as survivors. We conducted thematic analysis of interview transcripts. Traumatic bereavement and grief, housing and financial difficulties, and work-family conflict were the three main sources of stress in the respondents' personal lives. The coping themes were finding meaning and purpose in life through relief work, colleagues' support and understanding, suppression or avoidance of grief, appreciation for life, hardiness, optimism, letting nature take its course, and making up for loss. We suggest that relief work has a double-edged-sword effect on workers' coping abilities. We discuss the implications of this effect for work-life balance measures and trauma and grief counseling services.

  3. Bridging the sanitation gap between disaster relief and development.

    Science.gov (United States)

    Lai, Ka-Man; Ramirez, Claudia; Liu, Weilong; Kirilova, Darina; Vick, David; Mari, Joe; Smith, Rachel; Lam, Ho-Yin; Ostovari, Afshin; Shibakawa, Akifumi; Liu, Yang; Samant, Sidharth; Osaro, Lucky

    2015-10-01

    By interpreting disasters as opportunities to initiate the fulfilment of development needs, realise the vulnerability of the affected community and environment, and extend the legacy of relief funds and effort, this paper builds upon the concept linking relief, rehabilitation and development (LRRD) in the sanitation sector. It aims to use a composite of case studies to devise a framework for a semi-hypothetical scenario to identify critical components and generic processes for a LRRD action plan. The scenario is based on a latrine wetland sanitation system in a Muslim community. Several sub-frameworks are developed: (i) latrine design; (ii) assessment of human waste treatment; (iii) connective sanitation promotion strategy; and (iv) ecological systems and environmental services for sanitation and development. This scenario illustrates the complex issues involved in LRRD in sanitation work and provides technical notes and references for a legacy plan for disaster relief and development. © 2015 The Author(s). Disasters © Overseas Development Institute, 2015.

  4. Stress relief of transition zones

    International Nuclear Information System (INIS)

    Woodward, J.; van Rooyen, D.

    1984-01-01

    This paper considers the problem of intergranular stress corrosion cracking, initiated on the primary side, in the expansion transition region of roller expanded Alloy 600 tubing. In general it is believed that residual stresses, arising from the expansion process, are the cause of the problem. The work reported here concentrated on the identification of an optimal, in-situ stress relief treatment

  5. Oscillatory neural representations in the sensory thalamus predict neuropathic pain relief by deep brain stimulation.

    Science.gov (United States)

    Huang, Yongzhi; Green, Alexander L; Hyam, Jonathan; Fitzgerald, James; Aziz, Tipu Z; Wang, Shouyan

    2018-01-01

    Understanding the function of sensory thalamic neural activity is essential for developing and improving interventions for neuropathic pain. However, there is a lack of investigation of the relationship between sensory thalamic oscillations and pain relief in patients with neuropathic pain. This study aims to identify the oscillatory neural characteristics correlated with pain relief induced by deep brain stimulation (DBS), and develop a quantitative model to predict pain relief by integrating characteristic measures of the neural oscillations. Measures of sensory thalamic local field potentials (LFPs) in thirteen patients with neuropathic pain were screened in three dimensional feature space according to the rhythm, balancing, and coupling neural behaviours, and correlated with pain relief. An integrated approach based on principal component analysis (PCA) and multiple regression analysis is proposed to integrate the multiple measures and provide a predictive model. This study reveals distinct thalamic rhythms of theta, alpha, high beta and high gamma oscillations correlating with pain relief. The balancing and coupling measures between these neural oscillations were also significantly correlated with pain relief. The study enriches the series research on the function of thalamic neural oscillations in neuropathic pain and relief, and provides a quantitative approach for predicting pain relief by DBS using thalamic neural oscillations. Copyright © 2017 Elsevier Inc. All rights reserved.

  6. Evaluation of radiation therapy for bone metastases: pain relief and quality of life

    International Nuclear Information System (INIS)

    Gilbert, H.A.; Kagan, A.R.; Nussbaum, H.; Rao, A.R.; Satzman, J.; Chan, P.; Allen, B.; Forsythe, A.

    1977-01-01

    The records of 158 patients irradiated for bone metastases were reviewed to evaluate the effectiveness of pain relief and to judge the effect of treatment on overall quality of life. Within 3 months 73% of the sites treated had pain relief, with 55 to 65% having sustained relief up to 1 year or death. Of patients surviving more than 3 months, 63% maintained a satisfactory quality of life and were able to take care of most personal needs. The median survival of all patients was 1 year from initial treatment for bone metastasis. Radiation dose and the primary tumor site do not seem to be significant prognostic factors for initial pain relief or quality of life

  7. Evaluating acute pain intensity relief: challenges when using an 11-point numerical rating scale.

    Science.gov (United States)

    Chauny, Jean-Marc; Paquet, Jean; Lavigne, Gilles; Marquis, Martin; Daoust, Raoul

    2016-02-01

    Percentage of pain intensity difference (PercentPID) is a recognized way of evaluating pain relief with an 11-point numerical rating scale (NRS) but is not without flaws. A new metric, the slope of relative pain intensity difference (SlopePID), which consists in dividing PercentPID by the time between 2 pain measurements, is proposed. This study aims to validate SlopePID with 3 measures of subjective pain relief: a 5-category relief scale (not, a little, moderate, very, complete), a 2-category relief question ("I'm relieved," "I'm not relieved"), and a single-item question, "Wanting other medication to treat pain?" (Yes/No). This prospective cohort study included 361 patients in the emergency department who had an initial acute pain NRS > 3 and a pain intensity assessment within 90 minutes after analgesic administration. Mean age was 50.2 years (SD = 19.3) and 59% were women. Area under the curves of receiver operating characteristic curves analyses revealed similar discriminative power for PercentPID (0.83; 95% confidence interval [CI], 0.79-0.88) and SlopePID (0.82; 95% CI, 0.77-0.86). Considering the "very" category from the 5-category relief scale as a substantial relief, the average cutoff for substantial relief was a decrease of 64% (95% CI, 59-69) for PercentPID and of 49% per hour (95% CI, 44-54) for SlopePID. However, when a cutoff criterion of 50% was used as a measure of pain relief for an individual patient, PercentPID underestimated pain-relieved patients by 12.1% (P pain intensity at baseline was an odd number compared with an even number (32.9% vs 45.0%, respectively). SlopePID should be used instead of PercentPID as a metric to evaluate acute pain relief on a 0 to 10 NRS.

  8. Can Jane Get a Mortgage Loan? Depends on When and Where

    Directory of Open Access Journals (Sweden)

    Alexis Antoniades

    2017-04-01

    Full Text Available By analyzing data from 102 million mortgage loan applications in the US between 2004–2012 (about 90% of all applications across 3,141 counties and 8,000 financial institutions, we investigate whether applicants’ gender matters in the bank's lending decision. We find evidence that female applicants face a higher rejection rate than males, holding all else constant. Similar results are obtained for Hispanic applicants compared to non-Hispanics, and minorities compared to non-minorities. Moreover, we document that this discrimination is pro-cyclical (i.e. peaks in recessions and that it varies substantially across states. Most importantly, we show that non-economic factors help explain the variation in discrimination across states while economic factors do not. Specifically, we find that gender discrimination in lending is higher in states with (i high level of conservatism, (ii low support for gay rights, and (iii low female representation in the state legislature (JEL E32, G21, J16.

  9. The Unintended Consequences of Property Tax Relief: New York's STAR Program

    Science.gov (United States)

    Eom, Tae Ho; Duncombe, William; Nguyen-Hoang, Phuong; Yinger, John

    2014-01-01

    New York's School Tax Relief Program, STAR, provides state-funded property tax relief for homeowners. Like a matching grant, STAR changes the price of education, thereby altering the incentives of voters and school officials and leading to unintended consequences. Using data for New York State school districts before and after STAR was…

  10. Supply Chain Management in Humanitarian Relief Logistics

    National Research Council Canada - National Science Library

    Rodman, William

    2004-01-01

    Hundreds of millions of people are affected by disasters each year. This thesis explores the use of supply chain management techniques to overcome the barriers encountered by logistics managers during humanitarian relief operations...

  11. 24 CFR 965.508 - Individual relief.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Individual relief. 965.508 Section 965.508 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued... PHA-OWNED OR LEASED PROJECTS-GENERAL PROVISIONS Resident Allowances for Utilities § 965.508 Individual...

  12. Anaesthetic injection versus ischemic compression for the pain relief of abdominal wall trigger points in women with chronic pelvic pain.

    Science.gov (United States)

    Montenegro, Mary L L S; Braz, Carolina A; Rosa-e-Silva, Julio C; Candido-dos-Reis, Francisco J; Nogueira, Antonio A; Poli-Neto, Omero B

    2015-12-01

    Chronic pelvic pain is a common condition among women, and 10 to 30 % of causes originate from the abdominal wall, and are associated with trigger points. Although little is known about their pathophysiology, variable methods have been practiced clinically. The purpose of this study was to evaluate the efficacy of local anaesthetic injections versus ischemic compression via physical therapy for pain relief of abdominal wall trigger points in women with chronic pelvic pain. We conducted a parallel group randomized trial including 30 women with chronic pelvic pain with abdominal wall trigger points. Subjects were randomly assigned to one of two intervention groups. One group received an injection of 2 mL 0.5 % lidocaine without a vasoconstrictor into a trigger point. In the other group, ischemic compression via physical therapy was administered at the trigger points three times, with each session lasting for 60 s, and a rest period of 30 s between applications. Both treatments were administered during one weekly session for four weeks. Our primary outcomes were satisfactory clinical response rates and percentages of pain relief. Our secondary outcomes are pain threshold and tolerance at the trigger points. All subjects were evaluated at baseline and 1, 4, and 12 weeks after the interventions. The study was conducted at a tertiary hospital that was associated with a university providing assistance predominantly to working class women who were treated by the public health system. Clinical response rates and pain relief were significantly better at 1, 4, and 12 weeks for those receiving local anaesthetic injections than ischemic compression via physical therapy. The pain relief of women treated with local anaesthetic injections progressively improved at 1, 4, and 12 weeks after intervention. In contrast, women treated with ischemic compression did not show considerable changes in pain relief after intervention. In the local anaesthetic injection group, pain threshold

  13. 30 CFR 204.202 - What is the cumulative royalty reports and payments relief option?

    Science.gov (United States)

    2010-07-01

    ... Auditing Relief § 204.202 What is the cumulative royalty reports and payments relief option? (a) The... information on Form MMS-2014 for the calendar year, the same as if it were a monthly report; and (5) Report... section until the date MMS receives it. (d) If you take relief you are not qualified for, you may be...

  14. Anticipation and choice heuristics in the dynamic consumption of pain relief.

    Science.gov (United States)

    Story, Giles W; Vlaev, Ivo; Dayan, Peter; Seymour, Ben; Darzi, Ara; Dolan, Raymond J

    2015-03-01

    Humans frequently need to allocate resources across multiple time-steps. Economic theory proposes that subjects do so according to a stable set of intertemporal preferences, but the computational demands of such decisions encourage the use of formally less competent heuristics. Few empirical studies have examined dynamic resource allocation decisions systematically. Here we conducted an experiment involving the dynamic consumption over approximately 15 minutes of a limited budget of relief from moderately painful stimuli. We had previously elicited the participants' time preferences for the same painful stimuli in one-off choices, allowing us to assess self-consistency. Participants exhibited three characteristic behaviors: saving relief until the end, spreading relief across time, and early spending, of which the last was markedly less prominent. The likelihood that behavior was heuristic rather than normative is suggested by the weak correspondence between one-off and dynamic choices. We show that the consumption choices are consistent with a combination of simple heuristics involving early-spending, spreading or saving of relief until the end, with subjects predominantly exhibiting the last two.

  15. Anticipation and Choice Heuristics in the Dynamic Consumption of Pain Relief

    Science.gov (United States)

    Story, Giles W.; Vlaev, Ivo; Dayan, Peter; Seymour, Ben; Darzi, Ara; Dolan, Raymond J.

    2015-01-01

    Humans frequently need to allocate resources across multiple time-steps. Economic theory proposes that subjects do so according to a stable set of intertemporal preferences, but the computational demands of such decisions encourage the use of formally less competent heuristics. Few empirical studies have examined dynamic resource allocation decisions systematically. Here we conducted an experiment involving the dynamic consumption over approximately 15 minutes of a limited budget of relief from moderately painful stimuli. We had previously elicited the participants’ time preferences for the same painful stimuli in one-off choices, allowing us to assess self-consistency. Participants exhibited three characteristic behaviors: saving relief until the end, spreading relief across time, and early spending, of which the last was markedly less prominent. The likelihood that behavior was heuristic rather than normative is suggested by the weak correspondence between one-off and dynamic choices. We show that the consumption choices are consistent with a combination of simple heuristics involving early-spending, spreading or saving of relief until the end, with subjects predominantly exhibiting the last two. PMID:25793302

  16. Barriers to spousal contribution to childbirth pain relief in Nigeria.

    Science.gov (United States)

    Emelonye, A U; Pitkäaho, T; Aregbesola, A; Vehviläinen-Julkunen, K

    2017-12-01

    The aim of this study was to investigate the barriers inhibiting the use of spousal presence for childbirth pain relief in health facilities and recommendations from three perspectives: the midwife, the woman, and the spouse. Spousal presence is a non-invasive, participatory and inexpensive technique used in pain management during childbirth. Although it contributes to a large extent in relieving childbirth pain, it is underutilized in Nigerian hospitals. Overcoming the challenges impeding spousal presence and participation during childbirth will improve maternal outcome, satisfaction and midwifery care practices. A cross-sectional survey conducted in four hospitals in Nigeria involving midwives (n = 100), women (n = 142) and their spouses (n = 142) from June to December 2014 using pretested questionnaires. Five themes were identified: poor infrastructural facility, lack of adequate pain management policy, lack of midwife pain management practices, midwives' attitudes towards spousal presence during childbirth and feelings about spousal presence during childbirth pain relief. Infrastructural defects in the health facilities resulting in the lack of privacy in maternity units for both spouses and partners negatively influence the presence of a spouse during childbirth and pain relief. Adopting effective strategies such as good infrastructural facilities, staff training and spouse-friendly hospital policies will encourage spouses to fully participate in and contribute to childbirth pain relief. This study identified poor staff attitudes towards pain relief and spousal presence during childbirth as barriers. Providing adequate policies on pain management, continuous staff education and orientation on spousal relationship will improve active spousal participation and maternal satisfaction during childbirth. © 2016 International Council of Nurses.

  17. U.S. Coastal Relief Model - Northwest Pacific

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — NGDC's U.S. Coastal Relief Model (CRM) provides the first comprehensive view of the U.S. coastal zone integrating offshore bathymetry with land topography into a...

  18. U.S. Coastal Relief Model - Southeast Atlantic

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — NGDC's U.S. Coastal Relief Model (CRM) provides the first comprehensive view of the U.S. coastal zone integrating offshore bathymetry with land topography into a...

  19. U.S. Coastal Relief Model - Central Pacific

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — NGDC's U.S. Coastal Relief Model (CRM) provides the first comprehensive view of the U.S. coastal zone integrating offshore bathymetry with land topography into a...

  20. U.S. Coastal Relief Model - Southern California

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — NGDC's U.S. Coastal Relief Model (CRM) provides the first comprehensive view of the U.S. coastal zone integrating offshore bathymetry with land topography into a...

  1. U.S. Coastal Relief Model - Northeast Atlantic

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — NGDC's U.S. Coastal Relief Model (CRM) provides the first comprehensive view of the U.S. coastal zone integrating offshore bathymetry with land topography into a...

  2. U.S. Coastal Relief Model - Puerto Rico

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — NGDC's U.S. Coastal Relief Model (CRM) provides the first comprehensive view of the U.S. coastal zone integrating offshore bathymetry with land topography into a...

  3. knowledge, attitude and use of pain relief in labour among women

    African Journals Online (AJOL)

    2014-07-01

    Jul 1, 2014 ... Objective: To find out the knowledge, attitude and practice of pain relief methods during labour among ... all of which could adversely affect uterine blood flow. Pain relief in ... knowledge was low among women who did not use any form of ... Niven et al found that memories of labour pains can evoke intense ...

  4. Anti-Seizure Medications: Relief from Nerve Pain

    Science.gov (United States)

    Anti-seizure medications: Relief from nerve pain Anti-seizure drugs often are used to help control the type of ... by damaged nerves. By Mayo Clinic Staff Anti-seizure medications were originally designed to treat people with ...

  5. Mutual emergency assistance for radiation accidents

    International Nuclear Information System (INIS)

    1980-11-01

    In 1963 the International Atomic Energy Agency (IAEA) issued a document, WP.35, dated 23 November 1963, based on information provided by a number of its Member States on the type of radiological assistance that they might be able to make available in the event of a radiation emergency in another country at the request of that country. The document was subsequently revised in 1968 and 1971 with the participation of the World Health Organization (WHO), the Food and Agriculture Organization of the United Nations (FAO) and the International Labour Organisation (ILO). In 1979, an expanded questionnaire to ascertain what could be required by the State in the event of a major radiation accident, was sent jointly by these organizations with the participation of the Office of the United Nations Disaster Relief Co-ordinator (UNDRO), to all their Member States. The text of the expanded questionnaire is reproduced. The present document lists all the information, received up to mid 1980, that contains offers of assistance made by a State. It also lists information on the assistance that might be required by the State. In general, the replies have been reproduced in the form in which they were received, although a few changes in presentation have been introduced in the interest of brevity and clarity. Some countries have pointed out that their replies are necessarily of a general character and that the full extent of the assistance they would be capable of providing could be determined only after a specific request had been received. The information given in this document should therefore be regarded only as a guide to the type of radiological assistance that might be available and/or needed. Other available international assistance includes that provided by the Agency through the IAEA Radiation (Emergency) Assistance Procedures, by WHO through its system of Collaborating Centres on human radiation pathology, and by various States via regional or inter-countries' agreements on

  6. Modeling attitude towards drug treament: the role of internal motivation, external pressure, and dramatic relief.

    Science.gov (United States)

    Conner, Bradley T; Longshore, Douglas; Anglin, M Douglas

    2009-04-01

    Motivation for change has historically been viewed as the crucial element affecting responsiveness to drug treatment. Various external pressures, such as legal coercion, may engender motivation in an individual previously resistant to change. Dramatic relief may be the change process that is most salient as individuals internalize such external pressures. Results of structural equation modeling on data from 465 drug users (58.9% male; 21.3% Black, 34.2% Hispanic/Latino, and 35.1% White) entering drug treatment indicated that internal motivation and external pressure significantly and positively predicted dramatic relief and that dramatic relief significantly predicted attitudes towards drug treatment: chi (2) = 142.20, df = 100, p relief is also likely to be high. When dramatic relief is high, attitudes towards drug treatment are likely to be positive. The findings indicate that interventions to get individuals into drug treatment should include processes that promote Dramatic Relief. Implications for addictions health services are discussed.

  7. Effects of surface relief on the high-dose sputtering of amorphous silicon and graphite by Ar ions

    International Nuclear Information System (INIS)

    Shulga, V.I.

    2014-01-01

    The effects of ion-induced surface relief on high-dose sputtering of amorphous silicon and graphite targets have been studied using binary-collision computer simulation. The relief was modeled as a wavelike surface along two mutually perpendicular surface axes (a 3D hillock-and-valley relief). Most simulations were carried out for normally-incident 30-keV Ar ions. It was shown that the surface relief can both increase and decrease the sputtering yield compared to that for a flat surface. The results of simulations suggest that stabilization of the surface relief is possible even in the absence of any smoothing processes such as surface diffusion of atoms. Effects of a surface relief on the experimentally measurable angular and energy distributions of sputtered atoms are also considered. The fitting parameters of these distributions are shown to be non-monotonic functions of the relief aspect ratio. The angular distribution of atoms sputtered from a relief surface is modulated to a great extent by the shape of the relief. For a rough surface, azimuthal isotropy of the angular distribution of sputtered atoms was found, but at high bombarding energies only

  8. Shaded Relief of Minnesota Elevation - Black & White

    Data.gov (United States)

    Minnesota Department of Natural Resources — This file is a product of a shaded relief process on the 30 meter resolution Digital Elevation Model data (dem30im3). This image was created using a custom AML...

  9. Double Dividend Taxation Relief: A New View From The Corporate Income Tax Perspective

    OpenAIRE

    Sebastian Lazar

    2010-01-01

    Double taxation of dividends is a matter of great interest in the actual context of globalization and free movement of capital and persons. As the classical system is more and more abandoned, new solutions for the relief of double taxation are put into practice as a mean to reduce the fiscal burden on shareholders. With few exceptions, all these solutions are based on dividend tax relief. The paper aims at providing alternative solutions for double dividend taxation relief by taking some acti...

  10. 19 CFR 210.70 - Forfeiture or return of complainant's temporary relief bond.

    Science.gov (United States)

    2010-04-01

    ... relief bond. 210.70 Section 210.70 Customs Duties UNITED STATES INTERNATIONAL TRADE COMMISSION INVESTIGATIONS OF UNFAIR PRACTICES IN IMPORT TRADE ADJUDICATION AND ENFORCEMENT Temporary Relief § 210.70... and the Commission will be guided by practice under Rule 65 of the Federal Rules of Civil Procedure...

  11. Sharing Information among Various Organizations in Relief Efforts

    National Research Council Canada - National Science Library

    Costur, Gurkan

    2005-01-01

    .... An analysis is presented of the December 2004 Indian Ocean tsunami relief effort; specifically, how different organizations such as the military, United Nations, and non-governmental organizations...

  12. 48 CFR 252.229-7010 - Relief from customs duty on fuel (United Kingdom).

    Science.gov (United States)

    2010-10-01

    ..., February 1973, entitled “Relief from Customs Duty and/or Value Added Tax on United States Government... Office. (b) Specific information should be included in the request for tax relief, such as the number of...

  13. Fluid-structure interaction dynamic simulation of spring-loaded pressure relief valves under seismic wave

    Science.gov (United States)

    Lv, Dongwei; Zhang, Jian; Yu, Xinhai

    2018-05-01

    In this paper, a fluid-structure interaction dynamic simulation method of spring-loaded pressure relief valve was established. The dynamic performances of the fluid regions and the stress and strain of the structure regions were calculated at the same time by accurately setting up the contact pairs between the solid parts and the coupling surfaces between the fluid regions and the structure regions. A two way fluid-structure interaction dynamic simulation of a simplified pressure relief valve model was carried out. The influence of vertical sinusoidal seismic waves on the performance of the pressure relief valve was preliminarily investigated by loading sine waves. Under vertical seismic waves, the pressure relief valve will flutter, and the reseating pressure was affected by the amplitude and frequency of the seismic waves. This simulation method of the pressure relief valve under vertical seismic waves can provide effective means for investigating the seismic performances of the valves, and make up for the shortcomings of the experiment.

  14. Improved SURF Algorithm and Its Application in Seabed Relief Image Matching

    Directory of Open Access Journals (Sweden)

    Zhang Hong-Mei

    2017-01-01

    Full Text Available The matching based on seabed relief image is widely used in underwater relief matching navigation and target recognition, etc. However, being influenced by various factors, some conventional matching algorithms are difficult to obtain an ideal result in the matching of seabed relief image. SURF(Speeded Up Robust Features algorithm is based on feature points pair to achieve matching, and can get good results in the seabed relief image matching. However, in practical applications, the traditional SURF algorithm is easy to get false matching, especially when the area’s features are similar or not obvious, the problem is more seriously. In order to improve the robustness of the algorithm, this paper proposes an improved matching algorithm, which combines the SURF, and RANSAC (Random Sample Consensus algorithms. The new algorithm integrates the two algorithms advantages, firstly, the SURF algorithm is applied to detect and extract the feature points then to pre-match. Secondly, RANSAC algorithm is utilized to eliminate mismatching points, and then the accurate matching is accomplished with the correct matching points. The experimental results show that the improved algorithm overcomes the mismatching problem effectively and have better precision and faster speed than the traditional SURF algorithm.

  15. Japanese women's experiences of pharmacological pain relief in New Zealand.

    Science.gov (United States)

    Doering, Keiko; Patterson, Jean; Griffiths, Christine R

    2014-06-01

    In Japan, most women manage labour pain without pharmacological interventions. However, New Zealand statistics show a high percentage of epidural use amongst Asian women. Entonox (a gas mixture of nitrous oxide and oxygen) and pethidine are also available to women in New Zealand. This article investigates how Japanese women in New Zealand respond to the use of pharmacological pain relief in labour. The study was guided by two research questions: (1) How do Japanese women experience and manage labour pain in New Zealand? (2) How do they feel about the use of pharmacological pain relief? Thirteen Japanese women who had given birth in New Zealand were interviewed individually or in a focus group. The conversations were analysed using thematic analysis. Although in Japan very few women use pain relief, nine women received epidural and/or Entonox out of 11 women who experienced labour pain. The contrast between their Japanese cultural expectations and their birth experiences caused some of the women subsequent personal conflict. Japanese women's cultural perspectives and passive attitudes were demonstrated to influence the decision-making process concerning pain relief. It was concluded that understanding Japanese cultural worldviews and approaches to the role of pain in labour would help maternity providers in their provision of appropriate care for Japanese women. Copyright © 2013 Australian College of Midwives. Published by Elsevier Ltd. All rights reserved.

  16. 78 FR 19136 - Emergency Relief Program

    Science.gov (United States)

    2013-03-29

    ... issuing this interim final rule in order to comply with the Disaster Relief Appropriations Act of 2013... FTA-2013-0004. All electronic submissions must be made to the U.S. Government electronic site at http... operating costs in the event of a catastrophic event, such as a natural disaster, that affects a wide area...

  17. 29 CFR 1601.23 - Preliminary or temporary relief.

    Science.gov (United States)

    2010-07-01

    ..., or political subdivision. (b) In a case involving a government, governmental agency, or political... private individuals from exercising their rights to seek temporary or preliminary relief on their own...

  18. Simulation of durability the evaluation of relief-dot Braille images

    Directory of Open Access Journals (Sweden)

    Svitlana Havenko

    2016-07-01

    Full Text Available The paper presents a model of factors that influence on the quality of relief-dot Braille inscriptions in their intensive use by blind people. It was constructed matrix of depending and distancing by using a directed graph. It allowed establish a hierarchy between studied criteria’s of impact the on durability of relief prints. It was developed a basic structure of digital system of assessment the conformity of Braille symbols to applicable international standards and definition of operational stability.

  19. Revisiting Stock Market Integration Pre-Post Subprime Mortgage Crisis: Insight From BRIC Countries

    Directory of Open Access Journals (Sweden)

    Chin-Hong Puah

    2015-07-01

    Full Text Available This study revisits the long-run relationships and short-run dynamic causal linkages among BRIC stock market, with the particular attention to the 2008 subprime mortgage crisis. Extending related empirical studies, comparative analyses of pre-crisis, and post-crisis periods were conducted to comprehensively evaluate how stock market integration was affected by financial crises. In general, after employing cointegration test and VAR test, the results reveal the increase of stock market integration in BRICs after the subprime crisis. The evidence also found that China stock market is the most influential among the BRICs, in which China stock market has the ability to Granger cause the other three BRICs member countries. An important implication of our findings is that the degree of integration among countries tends to change over time, especially around periods marked by financial crises.

  20. Exploring the Association of Deliberate Self-Harm With Emotional Relief Using a Novel Implicit Association Test

    Science.gov (United States)

    Gratz, Kim L.; Chapman, Alexander L.; Dixon-Gordon, Katherine L.; Tull, Matthew T.

    2017-01-01

    Despite the growing consensus that negative reinforcement in the form of emotional relief plays a key role in the maintenance of deliberate self-harm (DSH), most of the research in this area has relied exclusively on self-report measures of the perceived motives for and emotional consequences of DSH. Thus, the primary aim of this study was to extend extant research on the role of emotional relief in DSH by examining the strength of the association of DSH with emotional relief using a novel version of the Implicit Association Test (IAT). The strength of the DSH-relief association among both participants with (vs. without) DSH and self-harming participants with (vs. without) BPD, as well as its associations with relevant clinical constructs (including DSH characteristics, self-reported motives for DSH, BPD pathology, and emotion dysregulation and avoidance) were examined in a community sample of young adults (113 with recent recurrent DSH; 135 without DSH). As hypothesized, results revealed stronger associations between DSH and relief among participants with versus without DSH, as well as among DSH participants with versus without BPD. Moreover, the strength of the DSH-relief association was positively associated with DSH frequency and versatility (both lifetime and at 6-month follow-up), BPD pathology, emotion dysregulation, experiential avoidance, and self-reported emotion relief motives for DSH. Findings provide support for theories emphasizing the role of emotional relief in DSH (particularly among individuals with BPD), as well as the construct validity, predictive utility, and incremental validity (relative to self-reported emotion relief motives) of this IAT. PMID:26147069

  1. Topology-optimized broadband surface relief transmission grating

    DEFF Research Database (Denmark)

    Andkjær, Jacob; Ryder, Christian P.; Nielsen, Peter C.

    2014-01-01

    We propose a design methodology for systematic design of surface relief transmission gratings with optimized diffraction efficiency. The methodology is based on a gradient-based topology optimization formulation along with 2D frequency domain finite element simulations for TE and TM polarized plane...

  2. An audit of aspects of informed consent and pain relief in general ...

    African Journals Online (AJOL)

    They were asked what they knew or had been informed about their diagnosis, operation and complications of surgery. On pain relief, patients were asked about their experiences on the first post-operative day and what relief they had from analgesics. Twenty four did not know the diagnosis and 36 were not told what ...

  3. Spatially Uniform ReliefF (SURF for computationally-efficient filtering of gene-gene interactions

    Directory of Open Access Journals (Sweden)

    Greene Casey S

    2009-09-01

    Full Text Available Abstract Background Genome-wide association studies are becoming the de facto standard in the genetic analysis of common human diseases. Given the complexity and robustness of biological networks such diseases are unlikely to be the result of single points of failure but instead likely arise from the joint failure of two or more interacting components. The hope in genome-wide screens is that these points of failure can be linked to single nucleotide polymorphisms (SNPs which confer disease susceptibility. Detecting interacting variants that lead to disease in the absence of single-gene effects is difficult however, and methods to exhaustively analyze sets of these variants for interactions are combinatorial in nature thus making them computationally infeasible. Efficient algorithms which can detect interacting SNPs are needed. ReliefF is one such promising algorithm, although it has low success rate for noisy datasets when the interaction effect is small. ReliefF has been paired with an iterative approach, Tuned ReliefF (TuRF, which improves the estimation of weights in noisy data but does not fundamentally change the underlying ReliefF algorithm. To improve the sensitivity of studies using these methods to detect small effects we introduce Spatially Uniform ReliefF (SURF. Results SURF's ability to detect interactions in this domain is significantly greater than that of ReliefF. Similarly SURF, in combination with the TuRF strategy significantly outperforms TuRF alone for SNP selection under an epistasis model. It is important to note that this success rate increase does not require an increase in algorithmic complexity and allows for increased success rate, even with the removal of a nuisance parameter from the algorithm. Conclusion Researchers performing genetic association studies and aiming to discover gene-gene interactions associated with increased disease susceptibility should use SURF in place of ReliefF. For instance, SURF should be

  4. Prolonged knee pain relief by saphenous block (new technique

    Directory of Open Access Journals (Sweden)

    Rajeev Harshe

    2013-01-01

    Full Text Available Pain in the knee joint can be from a variety of reasons. It can be either from the joint itself, it can be myofascial or it can be neuropathy, radicular pain. The myofascial component can be in different forms, namely, collateral ligament pain, bursitis, tendinitis, and so on. This responds well to local injections of steroids. Pain from the joint can be because of osteoarthritis (OA, rheumatoid arthritis or any other variety of arthritis. Among these osteoarthritis is the most common and naturally occurring pain. There are several modalities used for managing pain in the knee joint. They include medicines and physiotherapy, intra-articular steroid injection, intra-articular Hyalgan, Synvisc injection, prolotherapy, genicular nerve block, ablation, intra-articular pulsed radio frequency (PRF ablation, acupuncture, injection of platelet-rich plasma in the joint, total knee replacement, high tibial osteotomy, arthroscopy and lavage, and so on. All these modalities have their pros and cons. Literature and experience state that the pain relief provided may last for a few months with these modalities except in surgical interventions in advanced OA. The saphenous nerve is termination of femoral nerve and it is essentially sensory nerve. It supplies the medial compartment and some part of the anterior compartment of the knee joint. This nerve has been blocked near the knee joint by way of infiltration by surgeons and anesthetists, for relief of pain after knee surgery, with varying pain relief of postoperative pain. When we block the saphenous in the mid thigh in the sartorial canal, the fluid tends to block the medial branch of the anterior femoral cutaneous nerve also. It is hypothesized that this may give complete medial and anterior knee pain relief and as most of the knee OA patients have medial and anterior knee pain, this may prove useful. Use of ultrasonography helps to locate the nerve better, ensuring perfection. An effort has been made to

  5. Emergency networking: famine relief in ant colonies

    NARCIS (Netherlands)

    Sendova-Franks, A.B.; Hayward, R.; Wulf, B.; Klimek, T.; James, R.; Planque, R.; Britton, N.F.; Franks, N.R.

    2009-01-01

    Resource distribution is fundamental to social organization, but it poses a dilemma. How to facilitate the spread of useful resources but restrict harmful substances? This dilemma reaches a zenith in famine relief. Survival depends on distributing food fast but that could increase vulnerability to

  6. Women's preferences and received pain relief in childbirth - A prospective longitudinal study in a northern region of Sweden.

    Science.gov (United States)

    Lindholm, Annika; Hildingsson, Ingegerd

    2015-06-01

    A range of alternatives in pain management during childbirth are available in the western countries. Women's preferences for and use of pain relief methods during labour is not fully investigated. The aim of this study was to describe what pain relief methods pregnant women preferred when asked in late pregnancy and to identify factors associated with preferred and received pain relief methods. A prospective longitudinal study in a northern region of Sweden (n = 936). Data were collected by three questionnaires. Odds ratios with a 95% confidence interval were calculated between preferred and received pain relief methods for several explanatory variables. The most preferred pain relief methods were also the most common received pain relief methods; nitrous oxide, bathing, breathing techniques, epidural analgesia and massage. The strongest factors for using different pain relief methods were primiparity and preferences. Women who used epidural analgesia, regardless of preference, were two to four times more likely to have a less positive birth experience. Women's preferences for a certain pain relief method were largely met. Greater differences were seen between background factors and preferences than the received pain relief methods. Preferences and primiparity were the most important factors for actually using pain relief. Epidural analgesia was associated with a less positive birth experience. Copyright © 2014 Elsevier B.V. All rights reserved.

  7. Strain relief InGaN/GaN MQW micro-pillars for high brightness LEDs

    KAUST Repository

    Shen, Chao

    2013-01-01

    Micro-structured group-III-nitrides are considered as promising strain relief structures for high efficiency solid state lighting. In this work, the strain field in InGaN/GaN multi-quantum wells (MQWs) micro-pillars is investigated using micro-Raman spectroscopy and the design of micro-pillars were studied experimentally. We distinguished the strained and strain-relieved signatures of the GaN layer from the E2 phonon peak split from the Raman scattering signatures at 572 cm-1 and 568 cm-1, respectively. The extent of strain relief is examined considering the height and size of micro-pillars fabricated using focused ion beam (FIB) micro-machining technique. A significant strain relief can be achieved when one micro-machined through the entire epi-layers, 3 μm in our study. The dependence of strain relief on micro-pillar diameter (D) suggested that micro-pillar with D < 3 μm showed high degree of strain relief. Our results shed new insights into designing strain-relieved InGaN/GaN microstructures for high brightness light emitting diode arrays. © 2013 IEEE.

  8. Experimental investigation of processes in primary circuit relief system

    International Nuclear Information System (INIS)

    Tomas, Z.; Simo, T.; Konecny, A.

    1989-01-01

    The protective condenser (direct contact condenser) is one of the basic components of the primary circuit relief system of WWER power plants. The steam flowing from the surge tank through relief valves into the subcooled water condensates in the protective condenser vessel. Two simple physical models were designed and constructed for investigation of bubbling through (contact condensation). An experimental program was performed with the aim of determining the distribution of temperatures in the axis of the steam jet and its vicinity, determining the velocity field of water into vicinity of steam jets, observing the geometrical shape of jets and their interaction and determining important values for mathematical model. (orig.)

  9. The psychological and physiological stress relief effect of the green roof

    Energy Technology Data Exchange (ETDEWEB)

    Lee, H.; Koshimizu, H. [Meiji Univ., Tokyo (Japan). Dept. of Agriculture

    2007-07-01

    The visual sense influences human psychology and physiology. As such, green gardens in urban environments are touted as being healing gardens that lead to stress relief and improved work efficiency. This paper focused on the visual aspects of such rehabilitation sites. Psychological and physiological experiments were conducted on human response to green roofs in order to quantify the stress relief effect of the green roof scenery. In addition, different green roof designs were tested to determine whether they change the stress relief effect. A 360 degrees panorama photograph of green roofs was shown to 3 male and 3 female students in Meiji University. The experiment was followed by a questionnaire survey based on the semantic differential (SD) method as a psychological evaluation. The SD method is a representative psychological measurement to quantify an image of people for a scene. The changes in heart rate were studied along with blood pressure, and stress degree as a physiological evaluation. The relation between the results of the SD method-based psychological evaluation and the physiological experiment was determined using multiple regression analysis. It was concluded that the stress relief effect can be improved by changing linear scenery to a more curvy one. 15 refs., 4 tabs., 20 figs.

  10. Euthanasia and physician-assisted suicide in dementia: A qualitative study of the views of former dementia carers.

    Science.gov (United States)

    Tomlinson, Emily; Spector, Aimee; Nurock, Shirley; Stott, Joshua

    2015-09-01

    Despite media and academic interest on assisted dying in dementia, little is known of the views of those directly affected. This study explored the views of former carers on assisted dying in dementia. This was a qualitative study using thematic analysis. A total of 16 former carers of people with dementia were recruited through national dementia charities and participated in semi-structured interviews. While many supported the individual's right to die, the complexity of assisted dying in dementia was emphasized. Existential, physical, psychological and psychosocial aspects of suffering were identified as potential reasons to desire an assisted death. Most believed it would help to talk with a trained health professional if contemplating an assisted death. Health workers should be mindful of the holistic experience of dementia at the end of life. The psychological and existential aspects of suffering should be addressed, as well as relief of physical pain. Further research is required. © The Author(s) 2015.

  11. Proactive pressure relief system management of life cycle and ageing in nuclear power plants

    International Nuclear Information System (INIS)

    Kolenc, J.; Ferrar, S.

    2011-01-01

    The last major power nuclear station built in North America was built when the Altair Company introduced the first microcomputer sparking the PC frenzy. It is safe to assume that there have been a great many changes since 1977 on both accounts. As the world's aging nuclear plants continue to be challenged with maintenance and replacement issues (obsolescence), as well making improvements within their facilities, proper pressure relief system management looms as a growing concern. This problem grows more acute as new engineering best practices are promulgated across industries and regulatory standards become more rigorous with much stricter enforcements. Unlike most pieces of operating equipment in a nuclear facility, pressure relief devices demand an extra level of consideration; as they form the 'last line of defense'. Combine the on-going obsolescence issue, with today's ever increasing demands for overall plant and public safety; pressure relief safety management will require increasing 'proactive' efforts to ensure safe facilities. This paper has been written to address some global pressure relief system management issues with respect the worlds aging nuclear facilities. This paper reflects findings we have discovered while conducting engineering pressure relief system audits on various nuclear power stations. It should be noted that these finding are not atypical of similar findings in pressure relief systems in the hydrocarbon processing world. (author)

  12. CCF analysis of high redundancy systems safety/relief valve data analysis and reference BWR application

    International Nuclear Information System (INIS)

    Mankamo, T.; Bjoere, S.; Olsson, Lena

    1992-12-01

    Dependent failure analysis and modeling were developed for high redundancy systems. The study included a comprehensive data analysis of safety and relief valves at the Finnish and Swedish BWR plants, resulting in improved understanding of Common Cause Failure mechanisms in these components. The reference application on the Forsmark 1/2 reactor relief system, constituting of twelve safety/relief lines and two regulating relief lines, covered different safety criteria cases of reactor depressurization and overpressure protection function, and failure to re close sequences. For the quantification of dependencies, the Alpha Factor Model, the Binomial Probability Model and the Common Load Model were compared for applicability in high redundancy systems

  13. Ubiquitous Creation of Bas-Relief Surfaces with Depth-of-Field Effects Using Smartphones

    Directory of Open Access Journals (Sweden)

    Bong-Soo Sohn

    2017-03-01

    Full Text Available This paper describes a new method to automatically generate digital bas-reliefs with depth-of-field effects from general scenes. Most previous methods for bas-relief generation take input in the form of 3D models. However, obtaining 3D models of real scenes or objects is often difficult, inaccurate, and time-consuming. From this motivation, we developed a method that takes as input a set of photographs that can be quickly and ubiquitously captured by ordinary smartphone cameras. A depth map is computed from the input photographs. The value range of the depth map is compressed and used as a base map representing the overall shape of the bas-relief. However, the resulting base map contains little information on details of the scene. Thus, we construct a detail map using pixel values of the input image to express the details. The base and detail maps are blended to generate a new depth map that reflects both overall depth and scene detail information. This map is selectively blurred to simulate the depth-of-field effects. The final depth map is converted to a bas-relief surface mesh. Experimental results show that our method generates a realistic bas-relief surface of general scenes with no expensive manual processing.

  14. Prediction of renal functional recovery after relief of upper urinary tract obstruction

    International Nuclear Information System (INIS)

    Kalika, V.; Bard, R.H.; Iloreta, A.; Freeman, L.M.; Heller, S.; Blaufox, M.D.

    1981-01-01

    Renal cortical regions of interest were used prospectively to predict recoverability of renal function in 27 patients with unilateral or bilateral urinary tract obstruction. In these 27 patients 36 kidneys with short-term or long-term obstruction were studied. The 131iodine radiohippuran renogram curves were generated from areas of interest from the renal cortex and from the whole kidney. Curves generated during obstruction were evaluated qualitatively to determine if regional cortical renograms exhibited a more normal appearance than total kidney curves. After relief of obstruction renograms generated from the whole kidney were evaluated for evidence of renal functional recovery. Cortical curves obtained before relief obstruction were judged normal, with an abnormal whole kidney renogram in 20 of 36 kidneys. The whole kidney renogram improved after relief of obstruction in all 20 cases. Cortical curves for the remaining 16 kidneys before relief of obstruction had the same abnormal appearance as the whole kidney renogram. After relief of obstruction no evidence of kidney function improvement as measured by the renogram was evident in 14 kidneys. The over-all accuracy of this test of renal functional recoverability was 94 per cent. These data support the hypothesis that when cortical curves appear more normal than total kidney curves there is a strong likelihood of postoperative improvement in renal function when the obstruction is relieved. Abnormal cortical curves are associated with a poor prognosis for renal functional improvement

  15. Pain relief and clinical outcome: from opioids to balanced analgesia

    DEFF Research Database (Denmark)

    Kehlet, H

    1996-01-01

    If it is generally accepted that adequate postoperative pain relief will improve outcome from surgery, several controlled trials demonstrated this only for lower body surgical procedures with epidural and spinal anesthetics. Important effects on outcome were not shown when postoperative opioids...... were administered with patient controlled (PCA) or epidural techniques. However, the most optimal pain relief seems to be best achieved with balanced analgesia techniques using combinations of epidural opioids and local anesthetics and systemic non-steroidal antiinflammatory drugs. Future efforts...... should aim at including physical rehabilitation programs in the pain treatment regimen....

  16. The Application of Electroanalgesia Current for the Relief of Orofacial Pain.

    Science.gov (United States)

    1981-09-01

    A-A124 939 THE APPLICATION OF ELECTRORNALGESIA CURRENT FOR THE i/1 RELIEF OF OROFACIAL PAIN (U) OREGON UNIV HEALTH SCIENCES CENTER PORTLAND BIOPHYSICS...COVERED THE APPLICATION OF ELECTROANALGESIA CURRENT FOR Fnl-Fbur 90 and evelpmen Conand September 198 THE RELIEF OF OROFACIAL PAIN Spebr18 27. PERFORMING...of a suitable animal preparation. An excellent site to initiate orofacial pain is found in the tissue vhich also has o - timal relevance, the tooth

  17. Photobiomodulation: Implications for Anesthesia and Pain Relief.

    Science.gov (United States)

    Chow, Roberta T; Armati, Patricia J

    2016-12-01

    This review examines the evidence of neural inhibition as a mechanism underlying pain relief and anesthetic effect of photobiomodulation (PBM). PBM for pain relief has also been used for more than 30 years; however, the mechanism of its effectiveness has not been well understood. We review electrophysiological studies in humans and animal models and cell culture studies to examine neural responses to PBM. Evidence shows that PBM can inhibit nerve function in vivo, in situ, ex vivo, and in culture. Animal studies using noxious stimuli indicate nociceptor-specific inhibition with other studies providing direct evidence of local conduction block, leading to inhibited translation of pain centrally. Evidence of PBM-disrupted neuronal physiology affecting axonal flow, cytoskeleton organization, and decreased ATP is also presented. PBM changes are reversible with no side effects or nerve damage. This review provides strong evidence in neuroscience identifying inhibition of neural function as a mechanism for the clinical application of PBM in pain and anesthesia.

  18. Safety and relief valves in light water reactors

    International Nuclear Information System (INIS)

    Singh, A.

    1985-12-01

    Information is presented to: provide an introduction to and descriptions of various types of safety and relief valves in both PWR and BWR plants; describe anticipated operating conditions for these valves; describe the test facilities, procedures, and major results for both types of valves; present an extensive discussion of modeling and analysis of safety and relief valve performance, including the prediction of flow capacity and stability during operation; deal with the analyses related to the prediction of thermal-hydraulic loads on discharge piping and comparison against test data; discuss results of small-scale valve tests and flow visualization studies through transparent valve models; and describe an EPRI study for optimizing a typical PWR over-pressure protection system to enhance the availability and reliability of plant operation and thus reduce operation costs

  19. 78 FR 2319 - Relocation of Regulations

    Science.gov (United States)

    2013-01-11

    ...) operations; and Bank assistance for the Resolution Funding Corporation (RefCorp). This final rule relocates... Board Part 996/FHFA Part 1271--Subpart E (Authority for Bank Assistance of the Resolution Funding... National Mortgage Association and any affiliate thereof, and any Federal Home Loan Bank. Resolution Funding...

  20. Rotorcraft Use in Disaster Relief and Mass Casualty Incidents - Case Studies

    Science.gov (United States)

    1990-06-01

    Disaster Relief and Mass 6. Performing Organization Code C asuallty Incidents- C ase Studies 8._P rfo minOr ani ati nR porNo 7. Author (s) 8...disaster planning process; and 3) produce a color video tape promoting the need for and the use of rotorcraft and heliports in disaster relief. 17...disaster prepaLedness ageicies for use in the integration of local helicopter assets into the disaster planning process; and 3) produce a color video tape

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