WorldWideScience

Sample records for program highlights financial

  1. Laser Programs Highlights 1998

    Energy Technology Data Exchange (ETDEWEB)

    Lowdermilk, H.; Cassady, C.

    1999-12-01

    This report covers the following topics: Commentary; Laser Programs; Inertial Confinement Fusion/National Ignition Facility (ICF/NIF); Atomic Vapor Laser Isotope Separation (AVLIS); Laser Science and Technology (LS&T); Information Science and Technology Program (IS&T); Strategic Materials Applications Program (SMAP); Medical Technology Program (MTP) and Awards.

  2. Practical C++ financial programming

    CERN Document Server

    Oliveira, Carlos

    2015-01-01

    Practical C++ Financial Programming is a hands-on book for programmers wanting to apply C++ to programming problems in the financial industry. The book explains those aspects of the language that are more frequently used in writing financial software, including the STL, templates, and various numerical libraries. The book also describes many of the important problems in financial engineering that are part of the day-to-day work of financial programmers in large investment banks and hedge funds. The author has extensive experience in the New York City financial industry that is now distilled in

  3. Integrated Financial Management Program

    Science.gov (United States)

    Pho, Susan

    2004-01-01

    Having worked in the Employees and Commercial Payments Branch of the Financial Management Division for the past 3 summers, I have seen the many changes that have occurred within the NASA organization. As I return each summer, I find that new programs and systems have been adapted to better serve the needs of the Center and of the Agency. The NASA Agency has transformed itself the past couple years with the implementation of the Integrated Financial Management Program (IFMP). IFMP is designed to allow the Agency to improve its management of its Financial, Physical, and Human Resources through the use of multiple enterprise module applications. With my mentor, Joseph Kan, being the branch chief of the Employees and Commercial Payments Branch, I have been exposed to several modules, such as Travel Manager, WebTads, and Core Financial/SAP, which were implemented in the last couple of years under the IFMP. The implementation of these agency-wide systems has sometimes proven to be troublesome. Prior to IFMP, each NASA Center utilizes their own systems for Payroll, Travel, Accounts Payable, etc. But with the implementation of the Integrated Financial Management Program, all the "legacy" systems had to be eliminated. As a result, a great deal of enhancement and preparation work is necessary to ease the transformation from the old systems to the new. All this work occurs simultaneously; for example, e-Payroll will "go live" in several months, but a system like Travel Manager will need to have information upgraded within the system to meet the requirements set by Headquarters. My assignments this summer have given me the opportunity to become involved with such work. So far, I have been given the opportunity to participate in projects resulting from a congressional request, several bankcard reconciliations, updating routing lists for Travel Manager, updating the majordomo list for Travel Manager approvers and point of contacts, and a NASA Headquarters project involving

  4. Mars geologic mapping program: Review and highlights

    Science.gov (United States)

    Scott, David H.

    1991-06-01

    The Mars Geologic Mapping (MGM) Program was introduced by NASA in 1987 as a new initiative in the Planetary Geology and Geophysics (PGG) Program. The overall purpose of the program is to support research on topical science problems that address specific questions. Among the objectives of the project are: (1) to produce highly detailed geologic maps that will greatly increase the knowledge of the materials and processes that have contributed to the evolutionary history of Mars; (2) to define areas of special interest for possible future investigation by planned missions (Mars Observer, Mars Sample Return); and (3) to maintain the interest of the planetary community in the development of new concepts and the re-evaluation of Martian geology as new data in usable form become available. Some interesting highlights of the geologic mapping indicate that multiple flood episodes occurred at different times during the Hesperian Period in both Kasei and Maja Valles. Studies of small channels in the Memnonia, Mangala, and Tharsis regions show that fluvial events appear to have occurred during the Amazonian Period at equatorial latitudes. Flood waters occurred during the Amazonian Period at equatorial latitudes. Flood waters from Mangala Valles may have seeped into surficial materials with the subsequent development of numerous sapping channels and debris flows; this suggests that the ancient highland terrain consists of relatively unconsolidated materials. Multiple layers were observed for the first time in the ridged plains lava flows covering large areas of Lunae Planum; some wrinkle ridges in this area are associated with grabens and collapse volcanic units at Hadriaca and Tyrrhena Paterae indicates that the units may have been emplaced by gravity-driven pyroclastic flows. Unlike the north polar layered deposits, those in the south polar region show no angular unconformities or evidence of faulting and folding. Water ice in the south polar layered deposits may be protected

  5. Wind Power Today: Federal Wind Program Highlights

    Energy Technology Data Exchange (ETDEWEB)

    2005-04-01

    Wind Power Today is an annual publication that provides an overview of the wind research conducted under the U.S. Department of Energy's Wind and Hydropower Technologies Program. The purpose of Wind Power Today is to show how DOE supports wind turbine research and deployment in hopes of furthering the advancement of wind technologies that produce clean, low-cost, reliable energy. Content objectives include: educate readers about the advantages and potential for widespread deployment of wind energy; explain the program's objectives and goals; describe the program's accomplishments in research and application; examine the barriers to widespread deployment; describe the benefits of continued research and development; facilitate technology transfer; and attract cooperative wind energy projects with industry.

  6. Highlights of the NASA particle astrophysics program

    Energy Technology Data Exchange (ETDEWEB)

    Jones, William Vernon, E-mail: w.vernon.jones@nasa.gov [Astrophysics Division DH000, Science Mission Directorate, NASA Headquarters, Washington DC (United States)

    2014-07-01

    The NASA Particle Astrophysics Program covers Origin of the Elements, Nearest Sources of Cosmic Rays, How Cosmic Particle Accelerators Work, The Nature of Dark Matter, and Neutrino Astrophysics. Progress in each of these topics has come from sophisticated instrumentation flown on long duration balloon (LDB) flights around Antarctica over the past two decades. New opportunities including Super Pressure Balloons (SPB) and International Space Station (ISS) platforms are emerging for the next major step. Stable altitudes and long durations enabled by SPB flights ensure ultra-long duration balloon (ULDB) missions that can open doors to new science opportunities. The Alpha Magnetic Spectrometer (AMS) has been operating on the ISS since May 2011. The CALorimetric Electron Telescope (CALET) and Cosmic Ray Energetics And Mass (CREAM) experiments are being developed for launch to the Japanese Experiment Module Exposed Facility (JEM-EF) in 2015. And, the Extreme Universe Space Observatory (EUSO) is planned for launch to the ISS JEM-EF after 2017. Collectively, these four complementary ISS missions covering a large portion of the cosmic ray energy spectrum serve as a cosmic ray observatory. (author)

  7. Highlights from STAR heavy ion program

    Science.gov (United States)

    Okorokov, Vitalii

    2017-10-01

    Recent experimental results obtained in STAR experiment at the Relativistic heavy-ion collider (RHIC) with ion beams will be discussed. Investigations of different nuclear collisions in some recent years focus on two main tasks, namely, detail study of quark-gluon matter properties and exploration of the quantum chromodynamics (QCD) phase diagram. Results at top RHIC energy show clearly the collective behavior of heavy quarks in nucleus-nucleus interactions. Jet and heavy hadron measurements lead to new constraints for energy loss models for various flavors. Heavy-ion collisions are unique tool for the study of topological properties of theory as well as the magneto-hydrodynamics of strongly interacting matter. Experimental results obtained for discrete QCD symmetries at finite temperatures confirm indirectly the topologically non-trivial structure of QCD vacuum. Finite global vorticity observed in non-central Au+Au collisions can be considered as important signature for presence of various chiral effects in sQGP. Most results obtained during stage I of the RHIC beam energy scan (BES) program show smooth behavior vs initial energy. However certain results suggest the transition in the domain of dominance of hadronic degrees of freedom at center-of-mass energies between 10-20 GeV. The stage II of the BES at RHIC will occur in 2019-2020 and will explore with precision measurements in the domain of the QCD phase diagram with high baryon densities. Future developments and more precise studies of features of QCD phase diagram in the framework of stage II of RHIC BES will be briefly discussed.

  8. LMSS SERVICES FINANCIAL REPORT PROGRAM

    Science.gov (United States)

    Chamberlain, R. G.

    1994-01-01

    The objective of this Services Finance Report program is to provide a means for comparing alternative designs of LMSS systems or other services systems. This program is actually a Multiplan worksheet. The labels used in the worksheet were chosen for a satellite-based cellular communication service (LMSS - Land Mobile Satellite System) but the analysis is not restricted to such cases. A comprehensive financial model is used to calculate a 'figure of merit' which can be used to compare effects of equipment and operating costs, pricing strategy, and customer demand for different systems. The program also calculates the price that a company would have to charge customers to meet all its expenses and make a specified profit. A price estimate can be obtained for almost any service which is heavily dependent on capital investment and which has operating costs that depend on the amount of service sold. The economic analysis has two main components: supplier finances and customer finances. Supplier finances include amortization, interest, insurance, taxes, and operating and maintenance expenses. Customer finances include usage rate, subscription fees, equipment costs, and estimated traffic. Prices can defined as real or nominal to account for effects of escalation and inflation, and the profits can be regulated or unrestricted This program is written for interactive execution with Multiplan (version 1.2) and has been implemented on an IBM PC series computer operating under DOS (version 2.11). The LMSS worksheet has a space requirement of approximately 38K of 8 bit bytes. This worksheet was developed in 1984.

  9. Geothermal Today: 2003 Geothermal Technologies Program Highlights (Revised)

    Energy Technology Data Exchange (ETDEWEB)

    2004-05-01

    This outreach publication highlights milestones and accomplishments of the DOE Geothermal Technologies Program for 2003. Included in this publication are discussions of geothermal fundamentals, enhanced geothermal systems, direct-use applications, geothermal potential in Idaho, coating technology, energy conversion R&D, and the GeoPowering the West initiative.

  10. FY 1995 research highlights: PNL accomplishments in OER programs

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1995-10-01

    Pacific Northwest Laboratory (PNL) conducts fundamental and applied research in support of the US Department of Energy`s (DOE) core missions in science and technology, environmental quality, energy resources, and national security. Much of this research is funded by the program offices of DOE`s Office of Energy Research (DOE-ER), primarily the Office of Basic Energy Sciences (BES) and the Office of Health and Environmental Research (OHER), and by PNL`s Laboratory Directed Research and Development (LDRD) Program. This document is a collection of research highlights that describe PNL`s accomplishments in DOE-ER funded programs during Fiscal Year 1995. Included are accomplishments in research funded by OHER`s Analytical Technologies, Environmental Research, Health Effects, General Life Sciences, and Carbon Dioxide Research programs; BES`s Materials Science, Chemical Sciences, Engineering and Geoscience, and Applied Mathematical Sciences programs; and PNL`s LDRD Program. Summaries are given for 70 projects.

  11. Federal Financial and Economic Literacy Education Programs, 2009

    Science.gov (United States)

    Hung, Angela A.; Mihaly, Kata; Yoong, Joanne K.

    2010-01-01

    Financial literacy--the ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being--is becoming more and more important as individuals and families become increasingly responsible for their own long-term financial well-being. Financial and economic literacy education programs have been…

  12. Training of Financial Technology Specialists with RTU Bachelor Program in "Financial Engineering"

    OpenAIRE

    Matvejevs, A; Pavļenko, O

    2014-01-01

    The combination of financial theory, mathematics and computer technology has led to the emergence of a new profession: Financial Engineering. Financial engineers apply advanced economics theory, recent mathematical methods and computer technology to financial markets and financial management. The program of professional studies in Financial Engineering has been running at the Faculty of Computer Science and Information Technology, Riga Technical University since 2009/2010 academic year. It is...

  13. Online Financial Education Programs: Theory, Research, and Recommendations

    OpenAIRE

    Jinhee Kim; Mia B. Russell; Allison Schroeder

    2017-01-01

    Technological advances have created unprecedented opportunities for online financial education that can be used to improve financial literacy and money management practices. While online financial education programs have become popular, relevant research and theoretical frameworks have rarely been considered in the development of such programs. This article synthesizes lessons from literature and theories for the development of an effective online financial education program. Drawing from ...

  14. Do Financial Education Programs Work? Working Paper 08-03

    Science.gov (United States)

    Hathaway, Ian; Khatiwada, Sameer

    2008-01-01

    In this paper we provide a comprehensive critical analysis of research that has investigated the impact of financial education programs on consumer financial behavior. In light of the evidence, we recommend that future programs be highly targeted towards a specific audience and area of financial activity (e.g. home-ownership or credit card…

  15. Financial Participation Programs in Polish Public Companies

    Directory of Open Access Journals (Sweden)

    Maciej Kozlowski

    2014-12-01

    Full Text Available The major purpose of this article is to analyze the most important FP programs in Poland in order to increase knowledge on the subject and to show the occurring relations between the programs applied and the socioeconomic results of enterprises. The emphasis has been put on showing the multidimensional relationships between employee financial ownership and economic results, as well as on proving the relationship mechanisms of employee ownership on productivity are complex interactions by nature. Additionally, it has helped to separate crucial characteristic features of the applied forms of FP. This empirical approach concentrates on qualitative research and not quantitative, which although broad based, does not precisely identify the aforementioned relationships too precisely.

  16. DOE Solar Energy Technologies Program: Overview and Highlights

    Energy Technology Data Exchange (ETDEWEB)

    2006-05-01

    A non-technical overview of the U.S. Department of Energy's Solar Energy Technologies Program, including sections on photovoltaics (PV), concentrating solar power, and solar heating and lighting R&D.

  17. Wind Power Today: 2000 Wind Energy Program Highlights

    Energy Technology Data Exchange (ETDEWEB)

    Weis-Taylor, W.

    2001-05-08

    Wind Power Today is an annual publication that provides an overview of the U.S. Department of Energy's Wind Energy Program. The purpose of Wind Power Today is to show how DOE's Wind Energy Program supports wind turbine research and deployment in hopes of furthering the advancement of wind technologies that produce clean, low-cost, reliable energy. Content objectives include: educate readers about the advantages and potential for widespread deployment of wind energy; explain the program's objectives and goals; describe the program's accomplishments in research and application; examine the barriers to widespread deployment; describe the benefits of continued research and development; facilitate technology transfer; and attract cooperative wind energy projects with industry.

  18. Wind power today: 1999 Wind Energy program highlights

    Energy Technology Data Exchange (ETDEWEB)

    Weis-Taylor, Pat

    2000-04-06

    Wind Power Today is an annual publication that provides an overview for the Department of Energy's Wind Energy Program. The purpose of Wind Power Today is to show how DOE's Wind Energy Program supports wind turbine research and deployment in hopes of furthering the advancement of wind technologies that produce clean, low-cost, reliable energy for the 21st century. Content objectives include: Educate readers about the advantages and potential for widespread deployment of wind energy; explain DOE wind energy program objectives and goals; describe program accomplishments in research and application; examine the barriers to widespread deployment; describe benefits of continued research and development; facilitate technology transfer; attract cooperative wind energy projects with industry.

  19. Highlights from the heavy-ion program in STAR

    Directory of Open Access Journals (Sweden)

    Chaloupka Petr

    2017-01-01

    STAR collaboration has successfully completed the Beam Energy Scan, program focused on searching for the onset of the QGP signatures and studying the nature of the phase transition, indicating that the region of interests for critical point and the first-order phase transition is within the reach of RHIC experiments. Moreover, with its two newly installed detector upgrades, STAR has launched a comprehensive heavy-flavor program which allows high precision measurements of the properties of the partonic matter.

  20. Scientist in the Classroom: Highlights of a Plasma Outreach Program

    Science.gov (United States)

    Nagy, A.; Lee, R. L.

    2000-10-01

    The General Atomics education program ``Scientist in the Classroom'' now in its third year, uses scientists and engineers to present ``Plasma the fourth state of matter,'' to students in the classroom. A program goal is to make science an enjoyable experience while showing students how plasma plays an important role in their world. A fusion overview is presented, including topics on energy and environment. Using hands-on equipment, students manipulate a plasma discharge using magnets, observe its spectral properties and observe the plasma in a fluorescent tube. In addition, they observe physical properties of liquid nitrogen, and use an infrared camera to observe radiant heat energy. Several program benefits are; it costs less than facility tours, is more flexible in scheduling, and is adaptable for grades 2--adult. The program has doubled in coverage since last year, with over 2200 students at 20 schools visited by 8 scientists. Increased participation by the DIII-D staff in this program has been achieved by enlisting them to bring the program to their children's school.

  1. Wind Power Today: Wind Energy Program Highlights 2001

    Energy Technology Data Exchange (ETDEWEB)

    2002-05-01

    Wind Power Today is an annual publication that provides an overview of the U.S. Department of Energy's Wind Energy Program accomplishments for the previous year. The purpose of Wind Power Today is to show how DOE's Wind Energy Program supports wind turbine research and deployment in hopes of furthering the advancement of wind technologies that produce clean, low-cost, reliable energy. Content objectives include: educate readers about the advantages and potential for widespread deployment of wind energy; explain the program's objectives and goals; describe the program's accomplishments in research and application; examine the barriers to widespread deployment; describe the benefits of continued research and development; facilitate technology transfer; and attract cooperative wind energy projects with industry. This 2001 edition of Wind Power Today also includes discussions about wind industry growth in 2001, how DOE is taking advantage of low wind speed regions through advancing technology, and distributed applications for small wind turbines.

  2. Recent highlights from the PHENIX heavy ion program

    Directory of Open Access Journals (Sweden)

    Hill J.C.

    2015-01-01

    Full Text Available It is accepted that a QGP can be formed in relativistic collisions of heavy nuclei (A+A. Recently long-range correlations have been observed in p+A collisions at the LHC in high multiplicity events. PHENIX has carried out a series of studies of d+Au collisions at 200 GeV to see if such correlations persist at lower energies compared to those at the LHC. Results of a study of long-range correlations and flow are presented for d+Au collisions. Data from Au+Au collisions collected during the beam energy scan (BES was used to determine both quark and nucleon number scaling. The HBT method was used to determine radii of the fireball at kinetic freezeout. Implications for the nuclear EOS are discussed. Also results of a search for “dark photons” are presented. Recent PHENIX highlights on heavy flavor, electromagnetic probes, spin and plans for PHENIX upgrades were presented in other talks at this conference.

  3. 2003 Biology and Biotechnology Research Program Overview and Highlights

    Energy Technology Data Exchange (ETDEWEB)

    Prange, C

    2003-03-01

    LLNL conducts multidisciplinary bioscience to fill national needs. Our primary roles are to: develop knowledge and tools which enhance national security, including biological, chemical and nuclear capabilities, and energy and environmental security; develop understanding of genetic and biochemical processes to enhance disease prevention, detection and treatment; develop unique biochemical measurement and computational modeling capabilities which enable understanding of biological processes; and develop technology and tools which enhance healthcare. We execute our roles through integrated multidisciplinary programs that apply our competencies in: microbial and mammalian genomics--the characterization of DNA, the genes it encodes, their regulation and function and their role in living systems; protein function and biochemistry - the structure, function, and interaction of proteins and other molecules involved in the integrated biochemical function of the processes of life; computational modeling and understanding of biochemical systems--the application of high-speed computing technology to simulate and visualize complex, integrated biological processes; bioinformatics--databasing, networking, and analysis of biological data; and bioinstrumentation--the application of physical and engineering technologies to novel biological and biochemical measurements, laboratory automation, medical device development, and healthcare technologies. We leverage the Laboratory's exceptional capabilities in the physical, computational, chemical, environmental and engineering sciences. We partner with industry and universities to utilize their state-of-the art technology and science and to make our capabilities and discoveries available to the broader research community.

  4. Canada; Financial Sector Assessment Program-Stress Testing-Technical Note

    OpenAIRE

    International Monetary Fund

    2014-01-01

    This paper examines the stress testing module of the 2013 Financial Sector Assessment Program (FSAP) update for Canada. The IMF report highlights the three major segments of the domestic financial covered during the stress tests. The bank solvency stress tests suggest that while all banks would fall below the Canadian “all-in” Common Equity Tier 1 (CET1) supervisory threshold during severe economic distress, the resulting recapitalization needs are manageable. This IMF report provides recomme...

  5. 24 CFR 242.2 - Program financial self-sufficiency.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Program financial self-sufficiency... self-sufficiency and actuarial soundness; i.e., to avoid mortgage defaults and claims for insurance... AUTHORITIES MORTGAGE INSURANCE FOR HOSPITALS General Eligibility Requirements § 242.2 Program financial self...

  6. January 1978 monthly highlights for Office of Nuclear Regulatory Research Programs at Oak Ridge National Laboratory

    Energy Technology Data Exchange (ETDEWEB)

    Mynatt, F.R. (comp.)

    1978-02-10

    Highlights of technical progress during January 1978 are presented for sixteen separate program activities which comprise the ORNL research program for the Office of Nuclear Regulatory Research's Division of Reactor Safety Research.

  7. Financially Constrained Transportation Planning and Programming Process

    Science.gov (United States)

    1997-03-01

    This case study report is intended to provide metropolitan planning organizations (MPOs), state departments of transportation and transit agencies with a greater understanding of the important role that financial information plays in the planning and...

  8. Weatherization Innovation Pilot Program: Program Overview and Philadelphia Project Highlight (Fact Sheet)

    Energy Technology Data Exchange (ETDEWEB)

    2012-01-01

    Case Study with WIPP program overview, information regarding eligibility, and successes from Pennsylvania's Commission on Economic Opportunity (CEO) that demonstrate innovative approaches that maximize the benefit of the program. The Department of Energy (DOE) Office of Energy Efficiency and Renewable Energy (EERE) recently launched the Weatherization Innovation Pilot Program (WIPP) to accelerate innovations in whole-house weatherization and advance DOE's goal of increasing the energy efficiency and health and safety of homes of low-income families. Since 2010, WIPP has helped weatherization service providers as well as new and nontraditional partners leverage non-federal financial resources to supplement federal grants, saving taxpayer money. WIPP complements the Weatherization Assistance program (WAP), which operates nation-wide, in U.S. territories and in three Native American tribes. 16 grantees are implementing weatherization innovation projects using experimental approaches to find new and better ways to weatherize homes. They are using approaches such as: (1) Financial tools - by understanding a diverse range of financing mechanisms, grantees can maximize the impact of the federal grant dollars while providing high-quality work and benefits to eligible low-income clients; (2) Green and healthy homes - in addition to helping families reduce their energy costs, grantees can protect their health and safety. Two WIPP projects (Connecticut and Maryland) will augment standard weatherization services with a comprehensive green and healthy homes approach; (3) New technologies and techniques - following the model of continuous improvement in weatherization, WIPP grantees will continue to use new and better technologies and techniques to improve the quality of work; (4) Residential energy behavior change - Two grantees are rigorously testing home energy monitors (HEMs) that display energy used in kilowatt-hours, allowing residents to monitor and reduce their

  9. Pilot Feasibility Study of an Oncology Financial Navigation Program.

    Science.gov (United States)

    Shankaran, Veena; Leahy, Tony; Steelquist, Jordan; Watabayashi, Kate; Linden, Hannah; Ramsey, Scott; Schwartz, Naomi; Kreizenbeck, Karma; Nelson, Judy; Balch, Alan; Singleton, Erin; Gallagher, Kathleen; Overstreet, Karen

    2018-02-01

    Few studies have reported on interventions to alleviate financial toxicity in patients with cancer. We developed a financial navigation program in collaboration with our partners, Consumer Education and Training Services (CENTS) and Patient Advocate Foundation (PAF), to improve patient knowledge about treatment costs, provide financial counseling, and to help manage out-of-pocket expenses. We conducted a pilot study to assess the feasibility and impact of this program. Patients with cancer received a financial education course followed by monthly contact with a CENTS financial counselor and a PAF case manager for 6 months. We measured program adherence, self-reported financial burden and anxiety, program satisfaction, and type of assistance provided. Thirty-four patients (median age, 60.5 years) were consented (85% white and 50% commercially insured). Debt, income declines, and loans were reported by 55%, 55%, and 30% of patients, respectively. CENTS counselors assisted most often with budgeting, retirement planning, and medical bill questions. PAF case managers assisted with applications for appropriate insurance coverage, cost of living issues (eg, housing, transportation), and disability applications. High financial burden and anxiety about costs (4 or 5 on a Likert scale) were reported at baseline by 37% and 47% of patients, respectively. Anxiety about costs decreased over time in 33% of patients, whereas self-reported financial burden did not substantially change. Implementing an oncology financial navigation program is feasible, provides concrete assistance in navigating the cost of care, and mitigates anxiety about costs in a subset of patients. Future work will focus on measuring the program's impact on financial and clinical outcomes.

  10. Construction Management Program Builds Financial Development from the Ground up

    Science.gov (United States)

    Nobe, Michael D.; Shuler, Scott; Grosse, Larry

    2007-01-01

    Recent economic and legislative changes have hit higher education hard and threaten the financial viability of many educational programs nationwide. With state support dwindling to less than 10 percent in some cases, institutions across the nation face a financial crisis. Many strategies have been explored and implemented, from campaigns to…

  11. Financial impact of population health management programs: reevaluating the literature.

    Science.gov (United States)

    Grossmeier, Jessica; Terry, Paul E; Anderson, David R; Wright, Steven

    2012-06-01

    Although many employers offer some components of worksite-based population health management (PHM), most do not yet invest in comprehensive programs. This hesitation to invest in comprehensive programs may be attributed to numerous factors, such as other more pressing business priorities, reluctance to intervene in the personal health choices of employees, or insufficient funds for employee health. Many decision makers also remain skeptical about whether investment in comprehensive programs will produce a financial return on investment (ROI). Most peer-reviewed studies assessing the financial impact of PHM were published before 2000 and include a broad array of program and study designs. Many of these studies have also included indirect productivity savings in their assessment of financial outcomes. In contrast, this review includes only peer-reviewed studies of the direct health care cost impact of comprehensive PHM programs that meet rigorous methodological criteria. A systematic search of health sciences databases identified only 5 studies with program designs and study methods meeting these selection criteria published after 2007. This focused review found that comprehensive PHM programs can yield a positive ROI based on their impact on direct health care costs, but the level of ROI achieved was lower than that reported by literature reviews with less focused and restrictive qualifying criteria. To yield substantial short-term health care cost savings, the longer term financial return that can credibly be associated with a comprehensive, prevention-oriented population health program must be augmented by other financial impact strategies.

  12. Quantitative Easing Program and Financial Market Volatility in Indonesia

    Directory of Open Access Journals (Sweden)

    T. Muhd. Redha Vahlevi

    2017-03-01

    Full Text Available This research aims to examine the impact of the USD money supply during and before quantitative easing program towards financial market volatility in Indonesia which is proxied by variance of financial market index such as IHSG, Gold Price in IDR, and Exchange Rate IDR/USD to find out the effect of the excess USD money supply on Indonesia’s financial market volatility. This reseacrh has used monthly time series data of M1 of USD, IHSG, IDR/USD Exchange Rate, and Gold Price from December 2008 to December 2013. TGACRH in this research is used to find out wheter the volatility or variance at previous time affects volatility of these financial market index at present time and assymetric information is exist in the financial market index. The result showed that there’s a difference between the effect of USD money supply to financial market index volatility in Indonesia during QE program and before QE program. Before and during QE program, USD money supply positively affects IDR/USD exchange rate volatiliy and IHSG volatility and negatively affects Gold Price volatility. During QE program, USD money supply negatively affects volatility of IDR/USD exchange rate and IHSG, and positively affects Gold Price volatility.

  13. Development of Financial Support Program for High Risk Pregnant Women.

    Science.gov (United States)

    Jeong, Ihnsook; Kim, Jiyun; Im, Sook Bin

    2016-06-01

    The purpose of this study was to develop a financial support program for high-risk pregnant women based on opinions obtained using a questionnaire survey. The program development involved two steps: (1) developing a questionnaire through reviewing previous financial support programs for maternal care and then validating it via professional consultation; and (2) drafting a financial support program. Sixty professionals, 26 high-risk pregnant women, and 100 program implementers completed the questionnaire between August 2014 and October 2014. Based on the obtained professional consultation and survey investigation, the framework of the financial support program was constructed. The suggested recipients were mothers with early labor pains, mothers who have been hospitalized for > 3 weeks, and mothers who used uterine stimulant Pitocin during hospitalization. All hospitalization, medication, and examination costs needed to be supported considering the income level of the recipient. A basic policy for financially supporting high-risk pregnant women has been developed. The efficacy and feasibility of the policy needs to be carefully examined in future studies.

  14. Program Elimination, Financial Emergency, and Student Rights.

    Science.gov (United States)

    Olswang, Steven Glenn; And Others

    1982-01-01

    The rights of students to complete programs into which they have matriculated and the obligations of colleges and universities to maintain these programs for sufficient periods of time to fulfill any existing contracts with students are discussed. Contract principles are applied in protecting a student's right to complete degree programs. (MLW)

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

    Science.gov (United States)

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

    2013-03-01

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

  16. 34 CFR 74.20 - Purpose of financial and program management.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 1 2010-07-01 2010-07-01 false Purpose of financial and program management. 74.20... Requirements Financial and Program Management § 74.20 Purpose of financial and program management. Sections 74.21 through 74.28 prescribe standards for financial management systems, methods for making payments...

  17. 2 CFR 215.20 - Purpose of financial and program management.

    Science.gov (United States)

    2010-01-01

    ... 2 Grants and Agreements 1 2010-01-01 2010-01-01 false Purpose of financial and program management... Financial and Program Management § 215.20 Purpose of financial and program management. Sections 215.21 through 215.28 prescribe standards for financial management systems, methods for making payments and rules...

  18. 22 CFR 518.20 - Purpose of financial and program management.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 2 2010-04-01 2010-04-01 true Purpose of financial and program management. 518... ORGANIZATIONS Post-Award Requirements Financial and Program Management § 518.20 Purpose of financial and program management. Sections 518.21 through 518.28 prescribe standards for financial management systems, methods for...

  19. 77 FR 43428 - Financial Management Service; Proposed Collection of Information: Minority Bank Deposit Program...

    Science.gov (United States)

    2012-07-24

    ... Fiscal Service Financial Management Service; Proposed Collection of Information: Minority Bank Deposit Program (MBDP) Certification Form for Admission AGENCY: Financial Management Service, Fiscal Service, Treasury. ACTION: Notice and Request for comments. SUMMARY: The Financial Management Service, as part of...

  20. Modular Achievement Program Financial Evaluation, 1972-73.

    Science.gov (United States)

    Cappuzzello, Paul G.; Giardina, Richard C.

    This cost study of the Modular Achievement Program at Bowling Green State University indicates expenditures for the 1972-73 academic year according to the state auditor's budgetary system for state universities of Ohio. Following an overview of the financial situation, emphasis is placed on indirect university contributions, instructional cost,…

  1. Managing Personal Income: Teacher Guide. Family Financial Education Program 1.

    Science.gov (United States)

    Continental Illinois National Bank and Trust Co., Chicago.

    The teacher's guide is for a high school unit on personal income management, part of a family financial education program which also includes a unit on accepting credit responsibility. It can be used by teachers of any subject attempting to develop in students habits and attitudes in the area of earning, saving, and spending. The unit is based on…

  2. Dollars Works 2: The Evolution of a Financial Literacy Program

    Science.gov (United States)

    Petersen, Cindy M.; Heins, Rosemary K.; Katras, Mary Jo

    2013-01-01

    Dollar Works 2 is a comprehensive personal financial education program to help individuals and families strengthen their skills, better manage their personal finances, and make sound decisions about money. This article chronicles the evolution of a curriculum to enhance and modify materials to improve learning and meet the needs of multiple…

  3. How to Integrate International Financial Reporting Standards into Accounting Programs

    Science.gov (United States)

    Singer, Robert A.

    2012-01-01

    It is expected the SEC will require U.S. domestic companies to prepare and file their annual 10Ks in accordance with international financial reporting standards (IFRS) by 2016. Given the probability that the FASB-IASB convergence project (i.e., Norwalk Agreement) will continue subsequent to mandatory adoption, US accounting programs will be…

  4. User's operating procedures. Volume 2: Scout project financial analysis program

    Science.gov (United States)

    Harris, C. G.; Haris, D. K.

    1985-01-01

    A review is presented of the user's operating procedures for the Scout Project Automatic Data system, called SPADS. SPADS is the result of the past seven years of software development on a Prime mini-computer located at the Scout Project Office, NASA Langley Research Center, Hampton, Virginia. SPADS was developed as a single entry, multiple cross-reference data management and information retrieval system for the automation of Project office tasks, including engineering, financial, managerial, and clerical support. This volume, two (2) of three (3), provides the instructions to operate the Scout Project Financial Analysis program in data retrieval and file maintenance via the user friendly menu drivers.

  5. Environmental programs of the Department of Energy and Environment annual highlights

    Energy Technology Data Exchange (ETDEWEB)

    Manowitz, B

    1978-12-01

    Environmental Sciences is one of the four areas comprising the Department of Energy and Environment at Brookhaven National Laboratory. It carries out a wide range of activities in atmospheric sciences, environmental chemistry, oceanographic sciences, and land and freshwater environmental sciences. In general, these programs are concerned with identification and measurement of pollutants introduced into the environment by energy-related activities and the evaluation and prediction of the effects or potential effects of these pollutants on the environment. This highlights report for Environmental Programs covers the year 1978 and describes the objectives and funding levels of each of the programs, major accomplishments during the year, planned future activities, and current publications.

  6. Mathematical programming and financial objectives for scheduling projects

    CERN Document Server

    Kimms, Alf

    2001-01-01

    Mathematical Programming and Financial Objectives for Scheduling Projects focuses on decision problems where the performance is measured in terms of money. As the title suggests, special attention is paid to financial objectives and the relationship of financial objectives to project schedules and scheduling. In addition, how schedules relate to other decisions is treated in detail. The book demonstrates that scheduling must be combined with project selection and financing, and that scheduling helps to give an answer to the planning issue of the amount of resources required for a project. The author makes clear the relevance of scheduling to cutting budget costs. The book is divided into six parts. The first part gives a brief introduction to project management. Part two examines scheduling projects in order to maximize their net present value. Part three considers capital rationing. Many decisions on selecting or rejecting a project cannot be made in isolation and multiple projects must be taken fully into a...

  7. 36 CFR 1210.20 - Purpose of financial and program management.

    Science.gov (United States)

    2010-07-01

    ... Financial and Program Management § 1210.20 Purpose of financial and program management. Sections 1210.21 through 1210.28 prescribe standards for financial management systems, methods for making payments and... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Purpose of financial and...

  8. 10 CFR 600.120 - Purpose of financial and program management.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Purpose of financial and program management. 600.120 Section 600.120 Energy DEPARTMENT OF ENERGY (CONTINUED) ASSISTANCE REGULATIONS FINANCIAL ASSISTANCE RULES... financial and program management. Sections 600.121 through 600.128 prescribe standards for financial...

  9. A Peer-Based Financial Planning & Education Service Program: An Innovative Pedagogic Approach

    Science.gov (United States)

    Goetz, Joseph W.; Durband, Dorothy B.; Halley, Ryan E.; Davis, Kimberlee

    2011-01-01

    This paper presents a peer-based financial planning and education program as a strategy to address the lack of financial literacy among college students and provide an experiential learning opportunity for students majoring in financial planning or other financial services-related disciplines. Benefits of such programs to campus communities are…

  10. Financial Aid and Persistence in Community Colleges: Assessing the Effectiveness of Federal and State Financial Aid Programs in Oklahoma

    Science.gov (United States)

    Mendoza, Pilar; Mendez, Jesse P.; Malcolm, Zaria

    2009-01-01

    Using a longitudinal, state-wide dataset, this study assessed the effect of financial aid on the persistence of full-time students in associate's degree programs at the Oklahoma community colleges. Three financial-aid sources were examined: the Oklahoma Higher Learning Access Program (OHLAP), Pell grants, and Stafford loans. Results indicate that…

  11. Supporting Youth Transitioning out of Foster Care. Issue Brief 2: Financial Literacy and Asset Building Programs. OPRE Report No. 2014-69

    Science.gov (United States)

    Edelstein, Sara; Lowenstein, Christopher

    2014-01-01

    This issue brief is one of three that focus on programs providing services to youth transitioning out of foster care in three common service domains: education, employment, and financial literacy and asset building. This brief highlights why financial literacy and asset building services are important to youth currently or formerly in foster care,…

  12. 20 CFR 435.20 - Purpose of financial and program management.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Purpose of financial and program management... ORGANIZATIONS, AND COMMERCIAL ORGANIZATIONS Post-Award Requirements Financial and Program Management § 435.20 Purpose of financial and program management. Sections 435.21 through 435.28 prescribe standards for...

  13. 24 CFR 84.20 - Purpose of financial and program management.

    Science.gov (United States)

    2010-04-01

    ... and Program Management § 84.20 Purpose of financial and program management. Sections 84.21 through 84.28 prescribe standards for financial management systems, methods for making payments and rules for... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Purpose of financial and program...

  14. 45 CFR 2543.20 - Purpose of financial and program management.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Purpose of financial and program management. 2543... OTHER NON-PROFIT ORGANIZATIONS Post-Award Requirements Financial and Program Management § 2543.20 Purpose of financial and program management. Sections 2543.21 through 2543.25 prescribe standards for...

  15. The influence of financial incentive programs in promoting sustainable forestry on the nation's family forests

    Science.gov (United States)

    Michael A. Kilgore; John L. Greene; Michael G. Jacobson; Thomas J. Straka; Steven E. Daniels

    2007-01-01

    Financial incentive programs were evaluated to assess their contribution to promoting sustainable forestry practices on the nation’s family forests. The evaluation consisted of an extensive review of the literature on financial incentive programs, a mail survey of the lead administrator of financial incentive programs in each state forestry agency, and focus groups...

  16. Influence and effectiveness of financial incentive programs in programs in promoting sustainable forestry in the South

    Science.gov (United States)

    John L. Greene; Thomas J. Straka; Steven E. Daniels; Michael G. Jacobson; Michael A. Kilgore

    2009-01-01

    Selected state agency foresters in each of the 13 southern states were surveyed about the financial incentive programs available to nonindustrial private forest owners. The foresters were asked to name and describe the public and private programs available in their state, to assess forest owners’ awareness of each program, its appeal among the owners aware of it, its...

  17. Financial support of graduate programs in Brazil: quo vadis?

    Directory of Open Access Journals (Sweden)

    A.F. Helene

    2006-07-01

    Full Text Available Graduate programs provide the highest level of formal education and thus are crucial for the development of any country. However, official Brazilian data clearly show a dramatic decrease in the number and values of scholarships available to graduate programs in Brazil over the last few years, despite the importance and growth of such programs. Between 1995 and 2004, investment by the Coordenadoria de Aperfeiçoamento de Pessoal do Ensino Superior (CAPES, subordinate to the Ministry of Education and Culture in funding scholarships, corrected for inflation in the period, actually decreased by 51%. In addition, during the period between 1994 and 2004, there was a loss of about 60% in the purchasing power of the graduate scholarships provided by CAPES and the National Council for Science and Technology (CNPq. To reverse this trend, we propose the development of sectorial funding for Brazilian graduate programs to guarantee the availability and continuity of financial support for this strategic activity.

  18. ESTIMATING FINANCIAL SUPPORT OF REGIONAL PROGRAMS OF SOCIAL ECONOMIC DEVELOPMENT

    Directory of Open Access Journals (Sweden)

    Iryna Kokhan

    2016-03-01

    Full Text Available The given article presents the analysis of the experience of the financial support of the regional programs of social economic development and the areas of usage of internal and external resources of the area. Dynamic and balanced development of regions is one of the most important issues for further establishment of marketing relations and social transformations in Ukraine. The Aim lies in the evaluation of financial support of the approved regional programs and launching the amount of their financing. The assessment of social economic situation in Ivano-Frankivsk region in terms of nationwide tendencies allows asserting that economic growth depends on the amounts and sources provided by the state. To determine close connection between  the amount of financing  for the programs  and  gross domestic product, the coefficient of correlation was calculated according to Pierson. It was proved that the amount of financing regional programs of social economic development influences the growth rate of gross domestic product. During research period the activation of regional authority institutions is being surveyed regarding the adoption and financing target regional programs. It was determined that the dynamic activity of the regional community and its territorial units on realization in terms of defined strategic priorities for programs of social economic development will facilitate disproportion reduction and differences in the development of territory units in the region, as well as positively influences the growth of gross domestic product providing steady increase of social welfare. Keywords: social economic regional development, ecology programs, social programs, gross regional domestic product, Pierson’s correlation coefficient. JEL: R 58

  19. 43 CFR 12.920 - Purpose of financial and program management.

    Science.gov (United States)

    2010-10-01

    ... Organizations Post-Award Requirements § 12.920 Purpose of financial and program management. Sections 12.921 through 12.928 prescribe standards for financial management systems, methods for making payments and rules... 43 Public Lands: Interior 1 2010-10-01 2010-10-01 false Purpose of financial and program...

  20. 10 CFR 600.310 - Purpose of financial and program management.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Purpose of financial and program management. 600.310... Requirements § 600.310 Purpose of financial and program management. Sections 600.311 through 600.318 prescribe standards for financial management systems; methods for making payments; and rules for cost sharing and...

  1. 28 CFR 70.20 - Purpose of financial and program management.

    Science.gov (United States)

    2010-07-01

    ..., HOSPITALS AND OTHER NON-PROFIT ORGANIZATIONS Post-Award Requirements Financial and Program Management § 70.20 Purpose of financial and program management. Sections 70.21 through 70.28 prescribe standards for financial management systems, methods for making payments and rules for: Satisfying cost sharing and...

  2. 14 CFR 1260.120 - Purpose of financial and program management.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Purpose of financial and program management... Requirements § 1260.120 Purpose of financial and program management. Sections 1260.121 through 1260.128 prescribe standards for financial management systems, methods for making payments and rules for: satisfying...

  3. 10 CFR 600.341 - Monitoring and reporting program and financial performance.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Monitoring and reporting program and financial performance. 600.341 Section 600.341 Energy DEPARTMENT OF ENERGY (CONTINUED) ASSISTANCE REGULATIONS FINANCIAL... Organizations Post-Award Requirements § 600.341 Monitoring and reporting program and financial performance. (a...

  4. 32 CFR 34.41 - Monitoring and reporting program and financial performance.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 1 2010-07-01 2010-07-01 false Monitoring and reporting program and financial... ORGANIZATIONS Post-award Requirements Reports and Records § 34.41 Monitoring and reporting program and financial... organizations, or may include equivalent technical and financial reporting requirements that ensure reasonable...

  5. Hanford Site Permanent Isolation Surface Barrier Development Program: Fiscal year 1992 and 1993 highlights

    Energy Technology Data Exchange (ETDEWEB)

    Cadwell, L.L.; Link, S.O.; Gee, G.W. [eds.

    1993-09-01

    The Hanford Site Permanent Isolation Surface Barrier Development Program was jointly developed by the Pacific Northwest Laboratory and Westinghouse Hanford Company to design and test an earthen cover system that can be used to inhibit water infiltration; plant, animal, and human intrusion; and wind and water erosion. Kaiser Engineers Hanford Company provided engineering design support for the program. Work on barrier design has been under way at Hanford for nearly 10 years. The comprehensive development of a long-term barrier, formerly the Hanford Site Protective Barrier Development Program, was initiated in FY 1986, and a general field-tested design is expected to be completed by FY 1998. Highlights of efforts in FY 1992 and FY 1993 included the resumption of field testing, the completion of the prototype barrier design, and the convening of an external peer review panel, which met twice with the barrier development team. The review panel provided helpful guidance on current and future barrier development activities, while commending the program for its significant technical contributions to innovative barrier technology development.

  6. Highlights of Recent Research Activities at the NASA Orbital Debris Program Office

    Science.gov (United States)

    Liou, J - C.

    2017-01-01

    The NASA Orbital Debris Program Office (ODPO) was established at the NASA Johnson Space Center in 1979. The ODPO has initiated and led major orbital debris research activities over the past 38 years, including developing the first set of the NASA orbital debris mitigation requirements in 1995 and supporting the establishment of the U.S. Government Orbital Debris Mitigation Standard Practices in 2001. This paper is an overview of the recent ODPO research activities, ranging from ground-based and in-situ measurements, to laboratory tests, and to engineering and long-term orbital debris environment modeling. These activities highlight the ODPO's commitment to continuously improve the orbital debris environment definition to better protect current and future space missions from the low Earth orbit to the geosynchronous Earth orbit regions.

  7. Financial evaluations of antibiotic stewardship programs-a systematic review.

    Science.gov (United States)

    Dik, Jan-Willem H; Vemer, Pepijn; Friedrich, Alex W; Hendrix, Ron; Lo-Ten-Foe, Jerome R; Sinha, Bhanu; Postma, Maarten J

    2015-01-01

    There is an increasing awareness to counteract problems due to incorrect antimicrobial use. Interventions that are implemented are often part of an Antimicrobial Stewardship Program (ASPs). Studies publishing results from these interventions are increasing, including reports on the economical effects of ASPs. This review will look at the economical sections of these studies and the methods that were used. A systematic review was performed of articles found in the PubMed and EMBASE databases published from 2000 until November 2014. Included studies found were scored for various aspects and the quality of the papers was assessed following an appropriate check list (CHEC criteria list). 1233 studies were found, of which 149 were read completely. Ninety-nine were included in the final review. Of these studies, 57 only mentioned the costs associated with the antimicrobial medication. Others also included operational costs (n = 23), costs for hospital stay (n = 18), and/or other costs (n = 19). Nine studies were further assessed for their quality. These studies scored between 2 and 14 out of a potential total score of 19. This review gives an extensive overview of the current financial evaluation of ASPs and the quality of these economical studies. We show that there is still major potential to improve financial evaluations of ASPs. Studies do not use similar nor consistent methods or outcome measures, making it impossible draw sound conclusions and compare different studies. Finally, we make some recommendations for the future.

  8. 31 CFR 103.176 - Due diligence programs for correspondent accounts for foreign financial institutions.

    Science.gov (United States)

    2010-07-01

    ...) The nature of the foreign financial institution's business and the markets it serves; (ii) The type... correspondent accounts for foreign financial institutions. 103.176 Section 103.176 Money and Finance: Treasury... institutions. (a) In general. A covered financial institution shall establish a due diligence program that...

  9. 75 FR 13329 - Implications of Financial Accounting System (FAS) 166 on SBA Guaranteed Loan Programs

    Science.gov (United States)

    2010-03-19

    ... ADMINISTRATION Implications of Financial Accounting System (FAS) 166 on SBA Guaranteed Loan Programs AGENCY... Administration (SBA) is soliciting information and views from the public on: (1) The effect that the accounting changes mandated by the Financial Accounting Standards Board (FASB) in Financial Accounting Standard (FAS...

  10. Developing a Personal Financial Planning Program: More than Just Courses

    Science.gov (United States)

    Martin, Charles L., Jr.

    2007-01-01

    Personal financial planning is considered one of the major growth professions of the coming decade. Besides providing an opportunity for employment, a major in personal financial planning can open the door to a rewarding and challenging career. Career opportunities in the personal financial planning field include opening a private practice or…

  11. Hanford Site Long-term Surface Barrier Development Program: Fiscal year 1994 highlights

    Energy Technology Data Exchange (ETDEWEB)

    Petersen, K.L.; Link, S.O.; Gee, G.W.

    1995-08-01

    The Hanford Site Surface Barrier Development Program was organized in 1985 to test the effectiveness of various barrier designs in minimizing the effects of water infiltration; plant, animal and human intrusion; and wind and water erosion on buried wastes, plus preventing or minimizing the emanation of noxious gases. A team of scientists from the Pacific Northwest Laboratory (PNL) and engineers from Westinghouse Hanford Company (WHC) direct the barrier development effort. ICF Kaiser Hanford Company, in conjunction with WHC and PNL, developed design drawings and construction specifications for a 5-acre prototype barrier. The highlight of efforts in FY 1994 was the construction of the prototype barrier. The prototype barrier was constructed on the Hanford Site at the 200 BP-1 Operable Unit of the 200 East Area. Construction was completed in August 1994 and monitoring instruments are being installed so experiments on the prototype barrier can begin in FY 1995. The purpose of the prototype barrier is to provide insights and experience with issues regarding barrier design, construction, and performance that have not been possible with individual tests and experiments conducted to date. Additional knowledge and experience was gained in FY 1994 on erosion control, physical stability, water infiltration control, model testing, Resource Conservation and Recovery Act (RCRA) comparisons, biointrusion control, long-term performance, and technology transfer.

  12. Financial history and financial economics

    OpenAIRE

    Turner, John D.

    2014-01-01

    This essay looks at the bidirectional relationship between financial history and financial economics. It begins by giving a brief history of financial economics by outlining the main topics of interest to financial economists. It then documents and explains the increasing influence of financial economics upon financial history, and warns of the dangers of applying financial economics unthinkingly to the study of financial history. The essay proceeds to highlight the many insights that financi...

  13. Financial Inclusion in Malaysia

    OpenAIRE

    World Bank Group

    2017-01-01

    Malaysia has achieved one of the highest levels of financial inclusion among Southeast Asia countries, due in part to policies taking advantage of mobile phones and banking agents to expand access. The report looks at specific actions, programs, and strategies that have contributed to enhance financial inclusion in the country and highlights key learnings to benefit low- and middle-income ...

  14. 77 FR 16319 - Proposed Renewal; Comment Request; Anti-Money Laundering Programs for Various Financial Institutions

    Science.gov (United States)

    2012-03-20

    ... Financial Crimes Enforcement Network Proposed Renewal; Comment Request; Anti-Money Laundering Programs for... develop and implement written anti-money laundering programs reasonably designed to prevent those financial institutions from being used to facilitate money laundering and the financing of terrorist...

  15. 49 CFR Appendix A to Part 604 - Listing of Human Service Federal Financial Assistance Programs

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 7 2010-10-01 2010-10-01 false Listing of Human Service Federal Financial... (Continued) FEDERAL TRANSIT ADMINISTRATION, DEPARTMENT OF TRANSPORTATION CHARTER SERVICE Pt. 604, App. A Appendix A to Part 604—Listing of Human Service Federal Financial Assistance Programs Federal Programs...

  16. Financial services FY 1996 site support program plan, WBS 6.10.4. Revision 1

    Energy Technology Data Exchange (ETDEWEB)

    Schafer, D.D.

    1995-09-01

    This program plan outlines the financial services to be provided to the Hanford reservation by the Westinghouse Hanford Company. The topics of the plan include the Hanford strategic plan, program mission, program strategy, technical requirements baseline, schedule baseline, cost baseline, performance measures, technical objectives, program performance and program funding required.

  17. South African Climates: Highlights From International Ocean Discovery Program Expedition 361

    Science.gov (United States)

    Hemming, S. R.; Hall, I. R.; LeVay, L.

    2016-12-01

    International Ocean Discovery Program Expedition 361 drilled six sites on the southeast African margin and in the Indian-Atlantic ocean gateway, southwest Indian Ocean, from 30 January to 31 March 2016. In total, 5175 m of core was recovered, with an average recovery of 102%, during 29.7 days of on-site operations. The sites, situated in the Mozambique Channel, at locations directly influenced by discharge from the Zambezi and Limpopo River catchments, the Natal Valley, the Agulhas Plateau, and the Cape Basin were targeted to reconstruct the history of the Greater Agulhas Current System over the past 5 Ma. The Agulhas Current transports 70 Sv of warm and saline surface waters from the tropical Indian Ocean along the East African margin to the tip of Africa. Exchanges of heat and moisture with the atmosphere influence southern African rainfall patterns. Recent ocean model and paleoceanographic data further point at a potential role of the Agulhas Current in controlling the strength and mode of the Atlantic Meridional Overturning Circulation (AMOC) during the Late Pleistocene. The main objectives of the expedition were to document the oceanographic properties of the Agulhas Current through tectonic and climatic changes during the Plio-Pleistocene, to determine the dynamics of the Indian-Atlantic gateway circulation during this time, to examine the connection of the Agulhas leakage and AMOC, to address the influence of the Agulhas Current on African terrestrial climates and potential links to Human evolution. Additionally, the Expedition set out to fulfill the needs of the Ancillary Project Letter, consisting of high-resolution interstitial water samples that will, and to constrain the temperature and salinity profiles of the ocean during the Last Glacial Maximum. Here we highlight some of the expedition successes and show how it has made major strides toward fulfilling each of these objectives. The recovered sequences allowed complete spliced stratigraphic sections

  18. Climate and weather of the Sun-Earth system (CAWSES) highlights from a priority program

    CERN Document Server

    Lübken, Franz-Josef

    2012-01-01

    CAWSES (Climate and Weather of the Sun-Earth System) is the most important scientific program of SCOSTEP (Scientific Committee on Solar-Terrestrial Physics). CAWSES has triggered a scientific priority program within the German Research Foundation for a period of 6 years. Approximately 30 scientific institutes and 120 scientists were involved in Germany with strong links to international partners. The priority program focuses on solar influence on climate, atmospheric coupling processes, and space climatology. This book summarizes the most important results from this program covering some impor

  19. Arbitrage and sampling uncertainty in financial stochastic programming models

    NARCIS (Netherlands)

    A.B. Berkelaar (Arjan); H. Hoek (Henk); A. Lucas (André)

    1999-01-01

    textabstractAsset liability management (ALM) is an important and challenging problem for institutional investors and financial intermediaries. The requirement to fulfill its liablilities constrains the institutional investor in its asset allocation possiblilites. We formulate an ALM model for

  20. Russian Federation Financial Sector Assessment Program : Role of State in Financial Services

    OpenAIRE

    World Bank; International Monetary Fund

    2016-01-01

    State-owned financial institutions fall into three main groups: commercial banks, hybrid banks, and development institutions. The larger state-owned commercial banks/ groups include Sberbank, the VTB Bank group, and Gazprombank. Like private commercial banks, these institutions do not have a policy mandate and are profit maximizing, and target similar market segments. The main state hybrid...

  1. Isotope Production and Distribution Program`s Fiscal Year 1997 financial statement audit

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1998-03-27

    The Department of Energy Isotope Production and Distribution Program mission is to serve the national need for a reliable supply of isotope products and services for medicine, industry and research. The program produces and sells hundreds of stable and radioactive isotopes that are widely utilized by domestic and international customers. Isotopes are produced only where there is no U.S. private sector capability or other production capacity is insufficient to meet U.S. needs. The Department encourages private sector investment in new isotope production ventures and will sell or lease its existing facilities and inventories for commercial purposes. The Isotope Program reports to the Director of the Office of Nuclear Energy, Science and Technology. The Isotope Program operates under a revolving fund established by the Fiscal Year (FY) 1990 Energy and Water Appropriations Act and maintains financial viability by earning revenues from the sale of isotopes and services and through annual appropriations. The FY 1995 Energy and Water Appropriations Act modified predecessor acts to allow prices charged for Isotope Program products and services to be based on production costs, market value, the needs of the research community, and other factors. Although the Isotope Program functions as a business, prices set for small-volume, high-cost isotopes that are needed for research purposes may not achieve full-cost recovery. As a result, isotopes produced by the Isotope Program for research and development are priced to provide a reasonable return to the U.S. Government without discouraging their use. Commercial isotopes are sold on a cost-recovery basis. Because of its pricing structure, when selecting isotopes for production, the Isotope Program must constantly balance current isotope demand, market conditions, and societal benefits with its determination to operate at the lowest possible cost to U.S. taxpayers. Thus, this report provides a financial analysis of this situation.

  2. A case study of a workplace wellness program that offers financial incentives for weight loss.

    Science.gov (United States)

    Cawley, John; Price, Joshua A

    2013-09-01

    Employers are increasingly adopting workplace wellness programs designed to improve employee health and decrease employer costs associated with health insurance and job absenteeism. This paper examines the outcomes of 2635 workers across 24 worksites who were offered financial incentives for weight loss that took various forms, including fixed payments and forfeitable bonds. We document extremely high attrition and modest weight loss associated with the financial incentives in this program, which contrasts with the better outcomes associated with pilot programs. We conclude by offering suggestions, motivated by behavioral economics, for increasing the effectiveness of financial incentives for weight loss. Copyright © 2013 Elsevier B.V. All rights reserved.

  3. Monthly highlights for Office of Nuclear Regulatory Research Programs at Oak Ridge National Laboratory, August 1977

    Energy Technology Data Exchange (ETDEWEB)

    Fee, G.G. (comp.)

    1977-09-13

    Technical highlights are presented for the following safety-related studies: heavy section steel technology, fission product beta and gamma energy release, fission product release from LWR fuel, fission product transport tests, multirod burst tests, Nuclear Safety Information Center, PWR blowdown heat transfer-separate effects, zircaloy fuel cladding collapse studies, zirconium metal-water oxidation kinetics, aerosol release and transport from LMFBR fuel, HTGR safety analysis and research, design criteria for piping and nozzles, and noise diagnostics for safety assessment.

  4. Annual highlights, Environmental Programs of the Department of Energy and Environment

    Energy Technology Data Exchange (ETDEWEB)

    None

    1977-12-01

    Brief summaries are presented of some 35 individual programs covering a wide range of activities in the atmospheric, oceanographic, and terrestrial ecology areas. In general, these programs are involved with the study of pollutants resulting from the production of energy and their effects or potential effects on the environment. Programs include meteorology and plume dispersion, with emphasis on tracing plumes from the tall stacks of fossil-fuel burning power plants, and implementation of MAP3S (the Multistate Atmospheric Power Production Pollution Study), including both field and modeling studies related to atmospheric pollutants in the Northeastern United States, the meteorology of the coastal land-sea interface, the development of long-distance tracer systems for following movements of air masses, the measurement of a series of pollutants at ambient levels in real time, and laboratory and field studies on the collection and behavior of aerosol particulates, including work on the speciation and quantification of sulfate particulates. The objective of programs in oceanographic sciences is to assess the potential impact of energy-related activities (reactor releases, oil spills, etc.) on the Northeast coastal zone and its biota. A capability for the study of environmental virology has been established. Another major program is the study of the effects of acid rain on forest ecosystems and on selected crops.

  5. Geothermal today: 1999 Geothermal Energy Program highlights (Clean energy for the 21st century booklet)

    Energy Technology Data Exchange (ETDEWEB)

    Green, B.; Waggoner, T.

    2000-05-10

    The purpose of this publication is to educate and inform readers about research activities being carried out by the federal Geothermal Energy Program, and its achievements and future goals. This publication should help raise the visibility and awareness of geothermal energy contributions and potential, especially as part of the nation's clean energy technologies portfolio. The message of the publication is that program resources are being well spent and the results are real and tangible. A secondary message is that geothermal energy is a viable generation option with environmental, economic, and other benefits.

  6. Status of the Tau-Charm Facility and highlights of its physics program

    Energy Technology Data Exchange (ETDEWEB)

    Schindler, R.H.

    1990-02-01

    In this paper I will first discuss the history and current status of the Tau-Charm Facility. I will then focus on the unique aspects of the heavy meson and tau physics program of such a facility, which motivates its construction and operation in the mid-1090's.

  7. Shared financial management of Community programs and its implementation in the EU area

    OpenAIRE

    Jedličková, Vladislava

    2008-01-01

    The issue of migration within the European Union has grown in member countries to considerable size. Management representatives of EU institutions have decided to address this situation. They established community program Solidarity and management of migration flows. The European Commission has decided that for the financial management of this program will be used the principle of shared management. The principle of shared financial management is the delegation of powers and responsibilities ...

  8. Administrator Responses to Financial Incentives: Insights from a TIF Program

    Science.gov (United States)

    King Rice, Jennifer; Malen, Betty; Jackson, Cara; Hoyer, Kathleen Mulvaney

    2017-01-01

    This article provides evidence and generates insights about the power of financial rewards to motivate school administrators and the design features that influence their motivational potency. The multi-year mixed-methods study is grounded in expectancy and goal setting theories that suggest (a) awards must be salient and sizable enough to appeal…

  9. Summary Analysis of Financial Strategies for Postdoctoral General Dentistry Programs.

    Science.gov (United States)

    Jolly, Daniel E.; And Others

    1991-01-01

    The financial strategies used by five dental schools to support postdoctoral general dentistry education include increasing patient care income by residents, increasing income by faculty and other providers, enhancing extramural patient income, using management economics and efficiency, and developing innovative ways of generating income. (MSE)

  10. e-Learning Programs as Loyalty Investments for Financial Corporations

    Science.gov (United States)

    Arvanitis, Spyridon

    2010-01-01

    Although e-learning has been thoroughly presented and analysed in recent years, this paper aims to present a new concept, about web-based learning used as a tool to provide "products' education" for customers, and the ways enterprises of the financial sector, may use it in order to promote their brand name and services by affecting crucial factors…

  11. Recent Highlights from the PHENIX Heavy-Ion Program at RHIC

    CERN Document Server

    Sahlmueller, Baldo

    2014-01-01

    Over the last decade it has been established that a quark-gluon plasma (QGP) is formed in ultrarelativistic A+A collisions at RHIC energies. In recent years, detector upgrades have enabled the detailed study of this hot and dense matter. Important probes, among others, are direct photons and heavy flavor observables. Although the RHIC d+Au program was originally undertaken to study initial state and cold nuclear matter effects, recent measurements at both RHIC (d+Au) and the LHC (p+Pb) have found evidence for collective phenomena in these small systems.

  12. Financial Resources for Conducting Athletic Training Programs in the Collegiate and High School Settings

    OpenAIRE

    Rankin, James M.

    1992-01-01

    The distribution of resources to athletic training programs varies greatly, depending on the size and scope of the athletic program. No research has been found that assesses the differences in dollars allocated within various athletic training settings or assesses whether the different program levels allocate similar proportions of their resources to like categories of expenditures. In this study, I assessed the financial resources available to athletic training programs at major football NCA...

  13. U.S. Climate Change Science Program. Vision for the Program and Highlights of the Scientific Strategic Plan

    Science.gov (United States)

    2003-01-01

    The vision document provides an overview of the Climate Change Science Program (CCSP) long-term strategic plan to enhance scientific understanding of global climate change.This document is a companion to the comprehensive Strategic Plan for the Climate Change Science Program. The report responds to the Presidents direction that climate change research activities be accelerated to provide the best possible scientific information to support public discussion and decisionmaking on climate-related issues.The plan also responds to Section 104 of the Global Change Research Act of 1990, which mandates the development and periodic updating of a long-term national global change research plan coordinated through the National Science and Technology Council.This is the first comprehensive update of a strategic plan for U.S. global change and climate change research since the origal plan for the U.S. Global Change Research Program was adopted at the inception of the program in 1989.

  14. Report of the State Auditor. State Colleges in Colorado. Financial, State-Funded Student Financial Assistance Programs, and NCAA Audits. Fiscal Year Ended June 30, 1995.

    Science.gov (United States)

    Barba, J. David

    The results of a Colorado State audit of the consolidated financial statements are reported, along with the statements of appropriations, expenditures, transfers and reversions for state-funded Student Financial Assistance Programs for the four State Colleges in Colorado for the year ended June 30, 1995. Specific recommendations are given for each…

  15. Understanding the Long-Term Benefits of a Latino Financial Literacy Education Program

    Science.gov (United States)

    Meraz, Antonio Alba; Petersen, Cindy M.; Marczak, Mary S.; Brown, Arthur; Rajasekar, Neeraj

    2013-01-01

    The long-term impact of a Latino financial literacy program was evaluated with a sample of relatively recent immigrant populations in southern Minnesota. Telephone and face-to-face interviews were conducted with participants 6 months post program completion. Results indicate that improvements in knowledge and skills were retained and that these…

  16. Effect of Financial Incentive on Productivity in a Postgraduate General Dentistry Program.

    Science.gov (United States)

    Jensen, Oivind E.; And Others

    1990-01-01

    The advanced education in general dentistry program at the Eastman Dental Center (Rochester, NY) operates an after-hours clinic simulating private practice. With an optional financial incentive program for students in lieu of a fixed stipend, the clinic's fee income has increased substantially. Advantages and potential abuses are discussed. (MSE)

  17. Effectiveness of financial incentive programs in promoting sustainable forestry in the west

    Science.gov (United States)

    John L. Greene; Steven E. Daniels; Michael A. Kilgore; Thomas J. Straka; Michael G. Jacobson

    2011-01-01

    Selected forestry officials in each of the 13 western states were surveyed in 2005 concerning their opinions on the public and private financial incentive programs available to nonindustrial private forest owners in their state. The officials were asked to name and describe the programs and to assess forest owners’ awareness of each one, its appeal among owners aware...

  18. Financial incentive programs' influence in promoting sustainable forestry in the northern region

    Science.gov (United States)

    Michael G. Jacobson; Thomas J. Straka; John L. Greene; Michael A. Kilgore; Steven E. Daniels

    2009-01-01

    Selected forestry officials in each of the 20 northern states were surveyed concerning their opinions on the public and private financial incentive programs available to nonindustrial private forest owners in their state. The officials were asked to name and describe the programs and to assess forest owners' awareness of each one, its appeal among the owners aware...

  19. Financial, performance, and organizational outcomes of a nurse extern program.

    Science.gov (United States)

    Oja, Kenneth John

    2013-01-01

    Nurse externships help prepare nursing students for practice, but the organizational costs are high. To decrease costs, nurse educators collaborated to revise their existing nurse extern program. Nursing professional development educators who want to implement a nurse extern program within an organization will benefit by learning about the planning, implementation, and evaluation of a nurse extern program designed to decrease costs while producing well-prepared new graduate nurses.

  20. Financial evaluations of antibiotic stewardship programs : a systematic review

    NARCIS (Netherlands)

    Dik, J.W.H.; Vemer, P.; Friedrich, A.W.; Hendrix, R.; Lo-Ten-Foe, J.R.; Sinha, B.; Postma, M.J.

    2015-01-01

    Introduction: There is an increasing awareness to counteract problems due to incorrect antimicrobial use. Interventions that are implemented are often part of an Antimicrobial Stewardship Program (ASPs). Studies publishing results from these interventions are increasing, including reports on the

  1. Financial Implications of Residency Programs for Sponsoring Organizations.

    Science.gov (United States)

    Heiberger, Michael H.

    1997-01-01

    Explores cost implications of residency programs within the Veterans Administration health care system, particularly the costs and benefits of residencies in family medicine, osteopathic medicine, and general dentistry, because they resemble optometric residencies most closely. Costs of an existing vision therapy residency are examined, and…

  2. BBG Highlights

    Data.gov (United States)

    Broadcasting Board of Governors — BBG Highlights is a monthly summary of the BBG's accomplishments and news and developments affecting the Agency's work. Now, for the first time, this monthly update...

  3. Influence and effectiveness of financial incentive programs in promoting sustainable forestry in the south

    Science.gov (United States)

    Michael G. Jacobson; John L. Greene; Thomas J. Straka; Steven E. Daniels; Michael A. Kilgore

    2009-01-01

    State forestry officials responsible for forestry incentive programs in each of the 13 southern states were surveyed concerning their opinions on financial incentiveprograms available to nonindustrial private forest owners. The forestry officials were asked to name and describe the public and...

  4. 12 CFR 7.1021 - National bank participation in financial literacy programs.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false National bank participation in financial literacy programs. 7.1021 Section 7.1021 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE... personal economics or the benefits of saving for the future, and is not designed for the purpose of profit...

  5. Return on Investment: Evaluating the Evidence Regarding Financial Outcomes of Workplace Wellness Programs.

    Science.gov (United States)

    Astrella, Julie A

    Workplace wellness programs are expected to reduce employee healthcare costs, increase productivity, and provide a positive return on investment. A review of the literature from 2000 to 2016 was conducted to determine whether workplace wellness programs deliver a positive economic impact. Individual financial metrics and results varied; 6 of 7 studies reported a positive economic impact. Additional study is recommended because of the high-degree variability and lack of longitudinal data.

  6. Survey of academic pediatric hospitalist programs in the US: organizational, administrative, and financial factors.

    Science.gov (United States)

    Gosdin, Craig; Simmons, Jeffrey; Yau, Connie; Sucharew, Heidi; Carlson, Douglas; Paciorkowski, Natalia

    2013-06-01

    Many pediatric academic centers have hospital medicine programs. Anecdotal data suggest that variability exists in program structure. To provide a description of the organizational, administrative, and financial structures of academic pediatric hospital medicine (PHM). This online survey focused on the organizational, administrative, and financial aspects of academic PHM programs, which were defined as hospitalist programs at US institutions associated with accredited pediatric residency program (n = 246) and identified using the Accreditation Council for Graduate Medical Education (ACGME) Fellowship and Residency Electronic Interactive Database. PHM directors and/or residency directors were targeted by both mail and the American Academy of Pediatrics Section on Hospital Medicine LISTSERV. The overall response rate was 48.8% (120/246). 81.7% (98/120) of hospitals reported having an academic PHM program, and 9.1% (2/22) of hospitals without a program reported plans to start a program in the next 3 years. Over a quarter of programs provide coverage at multiple sites. Variability was identified in many program factors, including hospitalist workload and in-house coverage provided. Respondents reported planning increased in-house hospitalist coverage coinciding with the 2011 ACGME work-hour restrictions. Few programs reported having revenues greater than expenses (26% single site, 4% multiple site). PHM programs exist in the majority of academic centers, and there appears to be variability in many program factors. This study provides the most comprehensive data on academic PHM programs and can be used for benchmarking as well as program development. Copyright © 2013 Society of Hospital Medicine.

  7. Review of financial incentive, low-income, elderly and multifamily residential conservation programs

    Energy Technology Data Exchange (ETDEWEB)

    Berry, L.; Hubbard, M.; White, D.

    1986-09-01

    This report describes thirty-nine utility-sponsored residential conservation programs for four types of markets. The program types considered are: (1) financial incentive programs for the general residential market, (2) programs for low-income households, (3) programs for the elderly, and (4) programs for the multifamily market. Each program description contains information on incentive terms, eligibility, conservation measures, program history, design and marketing, and the utility/agency motivation for operating the program. The names, addresses and phone numbers of contact persons also are included. Two methods were used to select the programs to be described. First, nominations of successful programs of each type were solicited from experts on residential energy conservation. Second, managers of the programs on this initial list were asked to describe their programs and to suggest other successful programs that should be included in the sample. Because of the selection process used, this report covers mainly the best known and most frequently studied programs that are aimed at the four market types.

  8. Addressing maternal healthcare through demand side financial incentives: experience of Janani Suraksha Yojana program in India

    Directory of Open Access Journals (Sweden)

    Gopalan Saji S

    2012-09-01

    Full Text Available Abstract Background Demand side financing (DSF is a widely employed strategy to enhance utilization of healthcare. The impact of DSF on health care seeking in general and that of maternal care in particular is already known. Yet, its effect on financial access to care, out-of-pocket spending (OOPS and provider motivations is not considerably established. Without such evidence, DSFs may not be recommendable to build up any sustainable healthcare delivery approach. This study explores the above aspects on India’s Janani Suraksha Yojana (JSY program. Methods This study employed design and was conducted in three districts of Orissa, selected through a three-stage stratified sampling. The quantitative method was used to review the Health Management Information System (HMIS. The qualitative methods included focus groups discussions with beneficiaries (n = 19 and community intermediaries (n = 9, and interviews (n = 7 with Ministry of Health officials. HMIS data enabled to review maternal healthcare utilization. Group discussions and interviews explored the perceived impact of JSY on in-facility delivery, OOPS, healthcare costs, quality of care and performance motivation of community health workers. Results The number of institutional deliveries, ante-and post-natal care visits increased after the introduction of JSY with an annual net growth of 18.1%, 3.6% and 5% respectively. The financial incentive provided partial financial risk-protection as it could cover only 25.5% of the maternal healthcare cost of the beneficiaries in rural areas and 14.3% in urban areas. The incentive induced fresh out-of-pocket spending for some mothers and it could not address maternal care requirements comprehensively. An activity-based community worker model was encouraging to augment maternal healthcare consumption. However, the existing level of financial incentives and systemic support were inadequate to motivate the volunteers optimally on their

  9. Addressing maternal healthcare through demand side financial incentives: experience of Janani Suraksha Yojana program in India.

    Science.gov (United States)

    Gopalan, Saji S; Durairaj, Varatharajan

    2012-09-15

    Demand side financing (DSF) is a widely employed strategy to enhance utilization of healthcare. The impact of DSF on health care seeking in general and that of maternal care in particular is already known. Yet, its effect on financial access to care, out-of-pocket spending (OOPS) and provider motivations is not considerably established. Without such evidence, DSFs may not be recommendable to build up any sustainable healthcare delivery approach. This study explores the above aspects on India's Janani Suraksha Yojana (JSY) program. This study employed design and was conducted in three districts of Orissa, selected through a three-stage stratified sampling. The quantitative method was used to review the Health Management Information System (HMIS). The qualitative methods included focus groups discussions with beneficiaries (n = 19) and community intermediaries (n = 9), and interviews (n = 7) with Ministry of Health officials. HMIS data enabled to review maternal healthcare utilization. Group discussions and interviews explored the perceived impact of JSY on in-facility delivery, OOPS, healthcare costs, quality of care and performance motivation of community health workers. The number of institutional deliveries, ante-and post-natal care visits increased after the introduction of JSY with an annual net growth of 18.1%, 3.6% and 5% respectively. The financial incentive provided partial financial risk-protection as it could cover only 25.5% of the maternal healthcare cost of the beneficiaries in rural areas and 14.3% in urban areas. The incentive induced fresh out-of-pocket spending for some mothers and it could not address maternal care requirements comprehensively. An activity-based community worker model was encouraging to augment maternal healthcare consumption. However, the existing level of financial incentives and systemic support were inadequate to motivate the volunteers optimally on their performance. Demand side financial incentive could enhance financial

  10. Impact of financial incentives on behavior change program participation and risk reduction in worksite health promotion.

    Science.gov (United States)

    Gingerich, Stefan B; Anderson, David R; Koland, Heidi

    2012-01-01

    To examine the impact of financial incentives on behavior change program registration, completion, and risk improvement rates. Retrospective cohort study conducted to observe the relationship between financial incentives and behavior change program registration, completion, and risk improvement rates. Large public- or private-sector employers. Twenty-four organizations (n = 511,060 eligible employees) that offered comprehensive worksite health promotion (WHP) programs. Financial incentives offered for completion of a behavior change program as part of a WHP program. Behavior change program registration and completion data were obtained from standard reports. Company-level risk change was calculated from the average per-person number of risks on baseline and follow-up health risk assessments. Incentive design was determined from questionnaires completed by WHP program managers. Average registration rates, program completion rates, and risk improvement rates were compared using t-tests for companies that did versus did not offer incentives. Comparisons were also made between companies with incentives of less than $100 and those with incentives of $100 or more. Correlations between incentive value and outcome variables were assessed using Pearson correlations. Companies that offered incentives had significantly higher health coaching completion rates than companies not offering an incentive (82.9% vs. 76.4%, respectively, p = .017) but there was no significant association with registration (p = .384) or risk improvement rates (p = .242). Incentive values were not significantly associated with risk improvement rates (p = .240). Offering incentives for completing behavior change programs may increase completion rates, but increased health improvement does not necessarily follow.

  11. Together - a couples' program to improve communication, coping, and financial management skills: development and initial pilot-testing.

    Science.gov (United States)

    Falconier, Mariana K

    2015-04-01

    The accumulated knowledge about the negative impact of financial strain on couple's relationship functioning and the magnitude of the latest economic downturn have brought together the fields of financial counseling and couples' therapy. This article describes the development of a new interdisciplinary program that aims at helping couples under financial strain improve their financial management, communication, and dyadic coping skills. The article also reports the results from its initial pilot-testing with data collected from 18 financially distressed couples before and after participation in the program and 3 months later. Results from repeated measures ANOVAs suggest that the program may help reduce both partners' financial strain and the male negative communication and improve both partners' financial management skills and strategies to cope together with financial strain, and the male relationship satisfaction. These findings together with the high satisfaction reported by participants regarding the structure and content of the sessions and homework suggest that this program may be a promising approach to help couples experiencing financial strain. Gender differences, clinical implications, and possibilities for further research are also discussed. © 2014 American Association for Marriage and Family Therapy.

  12. Physician practice responses to financial incentive programs: exploring the concept of implementation mechanisms.

    Science.gov (United States)

    Cohen, Genna R; Erb, Natalie; Lemak, Christy Harris

    2012-01-01

    To develop a framework for studying financial incentive program implementation mechanisms, the means by which physician practices and physicians translate incentive program goals into their specific office setting. Understanding how new financial incentives fit with the structure of physician practices and individual providers' work may shed some insight on the variable effects of physician incentives documented in numerous reviews and meta-analyses. Reviewing select articles on pay-for-performance evaluations to identify and characterize the presence of implementation mechanisms for designing, communicating, implementing, and maintaining financial incentive programs as well as recognizing participants' success and effects on patient care. Although uncommonly included in evaluations, evidence from 26 articles reveals financial incentive program sponsors and participants utilized a variety of strategies to facilitate communication about program goals and intentions, to provide feedback about participants' progress, and to assist-practices in providing recommended services. Despite diversity in programs' geographic locations, clinical targets, scope, and market context, sponsors and participants deployed common strategies. While these methods largely pertained to communication between program sponsors and participants and the provision of information about performance through reports and registries, they also included other activities such as efforts to engage patients and ways to change staff roles. This review covers a limited body of research to develop a conceptual framework for future research; it did not exhaustively search for new articles and cannot definitively link particular implementation mechanisms to outcomes. Our results underscore the effects implementation mechanisms may have on how practices incorporate new programs into existing systems of care which implicates both the potential rewards from small changes as well as the resources which may be

  13. Defense Health Program Financial Reporting of General Property, Plant, and Equipment

    National Research Council Canada - National Science Library

    Lane, F

    2000-01-01

    .... The DoD Agency Wide financial statements include financial statements for a reporting entity called "Other Defense Organizations," a consolidation of financial information from various Defense...

  14. Isotope Production and Distribution Program. Financial statements, September 30, 1994 and 1993

    Energy Technology Data Exchange (ETDEWEB)

    Marwick, P.

    1994-11-30

    The attached report presents the results of the independent certified public accountants` audit of the Isotope Production and Distribution (IP&D) Program`s financial statements as of September 30, 1994. The auditors have expressed an unqualified opinion on IP&D`s 1994 statements. Their reports on IP&D`s internal control structure and on compliance with laws,and regulations are also provided. The charter of the Isotope Program covers the production and sale of radioactive and stable isotopes, byproducts, and related isotope services. Prior to October 1, 1989, the Program was subsidized by the Department of Energy through a combination of appropriated funds and isotope sales revenue. The Fiscal Year 1990 Appropriations Act, Public Law 101-101, authorized a separate Isotope Revolving Fund account for the Program, which was to support itself solely from the proceeds of isotope sales. The initial capitalization was about $16 million plus the value of the isotope assets in inventory or on loan for research and the unexpended appropriation available at the close of FY 1989. During late FY 1994, Public Law 103--316 restructured the Program to provide for supplemental appropriations to cover costs which are impractical to incorporate into the selling price of isotopes. Additional information about the Program is provided in the notes to the financial statements.

  15. Do heart failure disease management programs make financial sense under a bundled payment system?

    Science.gov (United States)

    Eapen, Zubin J; Reed, Shelby D; Curtis, Lesley H; Hernandez, Adrian F; Peterson, Eric D

    2011-05-01

    Policy makers have proposed bundling payments for all heart failure (HF) care within 30 days of an HF hospitalization in an effort to reduce costs. Disease management (DM) programs can reduce costly HF readmissions but have not been economically attractive for caregivers under existing fee-for-service payment. Whether a bundled payment approach can address the negative financial impact of DM programs is unknown. Our study determined the cost-neutral point for the typical DM program and examined whether published HF DM programs can be cost saving under bundled payment programs. We used a decision analytic model using data from retrospective cohort studies, meta-analyses, 5 randomized trials evaluating DM programs, and inpatient claims for all Medicare beneficiaries discharged with an HF diagnosis from 2001 to 2004. We determined the costs of DM programs and inpatient care over 30 and 180 days. With a baseline readmission rate of 22.9%, the average cost for readmissions over 30 days was $2,272 per patient. Under base-case assumptions, a DM program that reduced readmissions by 21% would need to cost $477 per patient to be cost neutral. Among evaluated published DM programs, 2 of the 5 would increase provider costs (+$15 to $283 per patient), whereas 3 programs would be cost saving (-$241 to $347 per patient). If bundled payments were broadened to include care over 180 days, then program saving estimates would increase, ranging from $419 to $1,706 per patient. Proposed bundled payments for HF admissions provide hospitals with a potential financial incentive to implement DM programs that efficiently reduce readmissions. Copyright © 2011 Mosby, Inc. All rights reserved.

  16. Mexico; Financial Sector Assessment Program Update: Technical Note: Industrial Organization and Competition: Pension System in Mexico

    OpenAIRE

    International Monetary Fund

    2007-01-01

    The technical note on Mexico’s Financial Sector Assessment Program update analyzes that the private pension system’s regulator in Mexico has introduced innovate rules. Mexico, as with many other countries in Latin America, has adopted an individual capitalization pension system. The design of these pension reforms confers the administration of pension funds to private companies. Under these schemes, competition plays a key role, keeping prices low, a good quality of service, and an efficient ...

  17. Highlights 1993

    Energy Technology Data Exchange (ETDEWEB)

    1993-11-01

    Current research programs at Lawrence Berkeley Laboratory are presented. The topics include: the genetic basis for breast cancer, the Advanced Light Source, selenium characterization in soils via x-ray absorption spectroscopy, automated colony sorting in efforts of map the human genome, cancer drugs, the Sudbury Neutrino Observatory (SNO), atomic force microscopes (AFM), mapping the radon risk in homes, ketene research, tracking B mesons and the search for the top quark, computerized scientific visualization, technology transfer efforts, and astronomy in the classroom.

  18. Financial incentives for generic drugs: case study on a reimbursement program

    Directory of Open Access Journals (Sweden)

    Marcos Inocencio

    2010-06-01

    Full Text Available Objective: To discuss the use of financial incentives in choice of medication and to assess the economic results concerning the use of financial incentives to promote the use of genetic medication in lieu of reference drugs in a company with a reimbursement program. Methods: A case study was carried out in a large supermarket. The data was obtained in the company responsible for managing medication. The study reached 83,625 users between August 2005 and July 2007. The data was submitted to regressions in order to analyze trends and hypothesis tests to assess differences in medication consumption. The results were compared with general data regarding medication consumption of five other organizations and also with data about the national consumption of generic medication in Brazil. Results: The use of financial incentives to replace brand medications for generics, in the company studied, increased the consumption of generic drugs without reducing the company expenses with the reimbursement programs. Conclusions: This study show the occurrence of unplanned results (increase in the consumption of medications and the positive consequences of the reimbursement program concerning access to medication.

  19. Optimizing financial effects of HIE: a multi-party linear programming approach.

    Science.gov (United States)

    Sridhar, Srikrishna; Brennan, Patricia Flatley; Wright, Stephen J; Robinson, Stephen M

    2012-01-01

    To describe an analytical framework for quantifying the societal savings and financial consequences of a health information exchange (HIE), and to demonstrate its use in designing pricing policies for sustainable HIEs. We developed a linear programming model to (1) quantify the financial worth of HIE information to each of its participating institutions and (2) evaluate three HIE pricing policies: fixed-rate annual, charge per visit, and charge per look-up. We considered three desired outcomes of HIE-related emergency care (modeled as parameters): preventing unrequired hospitalizations, reducing duplicate tests, and avoiding emergency department (ED) visits. We applied this framework to 4639 ED encounters over a 12-month period in three large EDs in Milwaukee, Wisconsin, using Medicare/Medicaid claims data, public reports of hospital admissions, published payer mix data, and use data from a not-for-profit regional HIE. For this HIE, data accesses produced net financial gains for all providers and payers. Gains, due to HIE, were more significant for providers with more health maintenance organizations patients. Reducing unrequired hospitalizations and avoiding repeat ED visits were responsible for more than 70% of the savings. The results showed that fixed annual subscriptions can sustain this HIE, while ensuring financial gains to all participants. Sensitivity analysis revealed that the results were robust to uncertainties in modeling parameters. Our specific HIE pricing recommendations depend on the unique characteristics of this study population. However, our main contribution is the modeling approach, which is broadly applicable to other populations.

  20. 12 CFR 303.46 - Financial education programs that include the provision of bank products and services.

    Science.gov (United States)

    2010-01-01

    ... principles of personal financial management, banking operations, or the benefits of saving for the future... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Financial education programs that include the provision of bank products and services. 303.46 Section 303.46 Banks and Banking FEDERAL DEPOSIT INSURANCE...

  1. Investigating Customers' Experiences with Their Financial Services Customer Education Programs as It Impacts Customer Loyalty to the Financial Firm

    Science.gov (United States)

    Islam, Kaliym A.

    2017-01-01

    The problem addressed in this study was that customer education programs are intended to strengthen customer loyalty; however, research on the effects of customer education on customer loyalty remains insufficient. This phenomenological study investigated how the lived experiences of customers' participating in financial services' customer…

  2. Brookhaven highlights

    Energy Technology Data Exchange (ETDEWEB)

    Rowe, M.S.; Cohen, A.; Greenberg, D.; Seubert, L. (eds.)

    1992-01-01

    This publication provides a broad overview of the research programs and efforts being conducted, built, designed, and planned at Brookhaven National Laboratory. This work covers a broad range of scientific disciplines. Major facilities include the Alternating Gradient Synchrotron (AGS), with its newly completed booster, the National Synchrotron Light Source (NSLS), the High Flux Beam Reactor (HFBR), and the RHIC, which is under construction. Departments within the laboratory include the AGS department, accelerator development, physics, chemistry, biology, NSLS, medical, nuclear energy, and interdepartmental research efforts. Research ranges from the pure sciences, in nuclear physics and high energy physics as one example, to environmental work in applied science to study climatic effects, from efforts in biology which are a component of the human genome project to the study, production, and characterization of new materials. The paper provides an overview of the laboratory operations during 1992, including staffing, research, honors, funding, and general laboratory plans for the future.

  3. An Outlook of Public Accounting Undergraduate Programs in Colombia Regarding Forensic Auditing and Financial Crime Prevention Contents

    OpenAIRE

    Baracaldo-Lozano, Natalia Andrea; Universidad de la Salle. Universidad Santiago de Chile. ontificia Universidad Javeriana; Daza-Giraldo, Luis Eduardo; Pontificia Universidad Javeriana

    2016-01-01

    Recent cases of economic and financial crimes, financial fraud, corruption, and corporate malpractice in the local and international corporate environment have created the need to have professionals trained to face the challenges related to their investigation and analysis, activities carried out by forensic auditing.This article highlights several key aspects to understand why is important to specifically include forensic auditing as a subject in curricula during the studies of public accoun...

  4. Report: New Hampshire Clean Water State Revolving Fund Program Financial Statements with Independent Auditor’s Report, June 30, 2002

    Science.gov (United States)

    Report #2003-1-00086, March 26, 2003. The audit contains reports on the financial statements, internal controls, and compliance requirements applicable to the Clean Water State Revolving Fund program in New Hampshire for the year ended June 30, 2002.

  5. Financial "risk-sharing" or refund programs in assisted reproduction: an Ethics Committee opinion.

    Science.gov (United States)

    2016-10-01

    Financial "risk-sharing" fee structures in assisted reproduction programs charge patients a higher initial fee but provide reduced fees for subsequent cycles and often a partial or complete refund if treatment fails. This opinion of the ASRM Ethics Committee analyzes the ethical issues raised by these fee structures, including patient selection criteria, conflicts of interest, success rate transparency, and patient informed consent. This document replaces the document of the same name, last published in 2013 (Fertil Steril 2013;100:334-6). Copyright © 2016 American Society for Reproductive Medicine. Published by Elsevier Inc. All rights reserved.

  6. Optimizing financial effects of HIE: a multi-party linear programming approach

    Science.gov (United States)

    Brennan, Patricia Flatley; Wright, Stephen J; Robinson, Stephen M

    2012-01-01

    Objective To describe an analytical framework for quantifying the societal savings and financial consequences of a health information exchange (HIE), and to demonstrate its use in designing pricing policies for sustainable HIEs. Materials and methods We developed a linear programming model to (1) quantify the financial worth of HIE information to each of its participating institutions and (2) evaluate three HIE pricing policies: fixed-rate annual, charge per visit, and charge per look-up. We considered three desired outcomes of HIE-related emergency care (modeled as parameters): preventing unrequired hospitalizations, reducing duplicate tests, and avoiding emergency department (ED) visits. We applied this framework to 4639 ED encounters over a 12-month period in three large EDs in Milwaukee, Wisconsin, using Medicare/Medicaid claims data, public reports of hospital admissions, published payer mix data, and use data from a not-for-profit regional HIE. Results For this HIE, data accesses produced net financial gains for all providers and payers. Gains, due to HIE, were more significant for providers with more health maintenance organizations patients. Reducing unrequired hospitalizations and avoiding repeat ED visits were responsible for more than 70% of the savings. The results showed that fixed annual subscriptions can sustain this HIE, while ensuring financial gains to all participants. Sensitivity analysis revealed that the results were robust to uncertainties in modeling parameters. Discussion Our specific HIE pricing recommendations depend on the unique characteristics of this study population. However, our main contribution is the modeling approach, which is broadly applicable to other populations. PMID:22733978

  7. Virginia Tech's Ph.D. program in Genetics, Bioinformatics and Computational Biology highlighted in Nature Biotechnology magazine

    OpenAIRE

    Bland, Susan

    2004-01-01

    The April edition of Nature Biotechnology has identified Virginia Tech's Interdisciplinary Ph.D. program in Genetics, Bioinformatics and Computational Biology (GBCB) as one of 11 selected programs in North America and 18 around the world offering courses in systems biology.

  8. The perceived influence of financial risk factors on the viability of nurse anesthesia educational programs.

    Science.gov (United States)

    Myers, Sonja J; Martin-Sheridan, Denise

    2002-10-01

    Monetary cutbacks have occurred in the healthcare industry with increasing incidence since the mid-1980s. Attempts at self-preservation through cost-constraint have been instituted by hospitals, Medicare and Medicaid, and private insurance companies. Curtailment of expenditures, as well as reestablishing profit, has taken many forms. These include managed care, mergers, changing profit status, and aggressive competition. The purpose of this study was to evaluate whether directors of nurse anesthesia programs (NAPs) perceived these items as being detrimental to their NAPs. Data were gathered by descriptive survey design by completing a survey tool. Findings identified directors perceived NAPs at moderate to high risk for closure because of the financial constraints hospitals are experiencing as a result of healthcare reimbursement cutbacks. We found it interesting that many directors were either unaware or considered the hospitals' financial burdens as not impacting their NAP. However, directors who had taken courses or seminars with a focus on issues affecting the financing and reimbursement of healthcare institutions perceived significantly greater risk than those who did not. Potential learning opportunities and strategies to ameliorate risk were identified. Additional education may provide the knowledge and insight to find alternatives to risk, develop strategies, and promote more successful and stable nurse anesthesia educational programs.

  9. Financial Statement Management, Liability Reduction and Asset Accumulation: An Application of Goal Programming Model to a Nigerian Bank

    OpenAIRE

    Ajibola Arewa; John Ayodele Owoputi; Lezaasi Lenee Torbira

    2013-01-01

    This paper examines the management of the financial statement of UBA using goal programming (GP) technique. The data are collected from the annual financial statement of the bank to cover a period of 2007 to 2011. Six goals are identified in the bank: goal (1) (asset accumulation); goal 2 (liability reduction); goal 3 (shareholders¡¯ wealth); goal 4 (earning); goal 5 (profitability); and goal 6 (optimum management of the items in the financial statement). Applying POM-QM Version 3 software, t...

  10. A Simulation Modeling Framework to Optimize Programs Using Financial Incentives to Motivate Health Behavior Change.

    Science.gov (United States)

    Basu, Sanjay; Kiernan, Michaela

    2016-01-01

    While increasingly popular among mid- to large-size employers, using financial incentives to induce health behavior change among employees has been controversial, in part due to poor quality and generalizability of studies to date. Thus, fundamental questions have been left unanswered: To generate positive economic returns on investment, what level of incentive should be offered for any given type of incentive program and among which employees? We constructed a novel modeling framework that systematically identifies how to optimize marginal return on investment from programs incentivizing behavior change by integrating commonly collected data on health behaviors and associated costs. We integrated "demand curves" capturing individual differences in response to any given incentive with employee demographic and risk factor data. We also estimated the degree of self-selection that could be tolerated: that is, the maximum percentage of already-healthy employees who could enroll in a wellness program while still maintaining positive absolute return on investment. In a demonstration analysis, the modeling framework was applied to data from 3000 worksite physical activity programs across the nation. For physical activity programs, the incentive levels that would optimize marginal return on investment ($367/employee/year) were higher than average incentive levels currently offered ($143/employee/year). Yet a high degree of self-selection could undermine the economic benefits of the program; if more than 17% of participants came from the top 10% of the physical activity distribution, the cost of the program would be expected to always be greater than its benefits. Our generalizable framework integrates individual differences in behavior and risk to systematically estimate the incentive level that optimizes marginal return on investment. © The Author(s) 2015.

  11. Financial markets

    OpenAIRE

    Bibow, Jörg

    2011-01-01

    This paper provides a brief exposition of financial markets in Post Keynesian economics. Inspired by John Maynard Keynes's path-breaking insights into the role of liquidity and finance in "monetary production economies," Post Keynesian economics offers a refreshing alternative to mainstream (mis)conceptions in this area. We highlight the importance of liquidity-as provided by the financial system—to the proper functioning of real world economies under fundamental uncertainty, contrasting star...

  12. Proposed Revenues, Financial Strategy, and Program Costs for FY 1992 and 1993 : Technical Appendix, BPA Programs in Perspective.

    Energy Technology Data Exchange (ETDEWEB)

    United States. Bonneville Power Administration.

    1990-07-01

    Programs in Perspective is the Bonneville Power Administration's public involvement process (PIP) for engaging customers and other stakeholders in a regional dialog to set strategic direction and broad program plans for BPA effort. This planning leads into a biennial rate setting cycle and offers a more accessible and flexible opportunity for dialog on broad issues than is possible under the strict administrative procedures of ratemaking. The self-financed character of BPA has made this public process a necessary and valuable one to assure that those who pay BPA's rates have a clear understanding and a strong voice in the plans for use of the resulting revenues. During 1989, the previous PIP engaged the region in discussion of major strategic, issues focussing on major areas. In 1990, BPA seeks discussion of the directions and plans specifically for fiscal years 1992 and 1993. The steps taken for those years will lay the foundation for the years beyond. Thus, we have subtitled this year's process, Staying fit for the long run.'' We have consulted extensively with customers and others in the region in developing these plans. In dozens of program--specific meetings, BPA staff have talked and listened to what others think our plans ought to be. PIP now gives us a chance to review their sum total, along with projections for revenues and our overall financial position. 8 tabs., 8 figs.

  13. Financial implications of a model heart failure disease management program for providers, hospital, healthcare systems, and payer perspectives.

    Science.gov (United States)

    Whellan, David J; Reed, Shelby D; Liao, Lawrence; Gould, Stuart D; O'connor, Christopher M; Schulman, Kevin A

    2007-01-15

    Although heart failure disease management (HFDM) programs improve patient outcomes, the implementation of these programs has been limited because of financial barriers. We undertook the present study to understand the economic incentives and disincentives for adoption of disease management strategies from the perspectives of a physician (group), a hospital, an integrated health system, and a third-party payer. Using the combined results of a group of randomized controlled trials and a set of financial assumptions from a single academic medical center, a financial model was developed to compute the expected costs before and after the implementation of a HFDM program by 3 provider types (physicians, hospitals, and health systems), as well as the costs incurred from a payer perspective. The base-case model showed that implementation of HFDM results in a net financial loss to all potential providers of HFDM. Implementation of HFDM as described in our base-case analysis would create a net loss of US dollars 179,549 in the first year for a physician practice, US dollars 464,132 for an integrated health system, and US dollars 652,643 in the first year for a hospital. Third-party payers would be able to save US dollars 713,661 annually for the care of 350 patients with heart failure in a HFDM program. In conclusion, although HFDM programs may provide patients with improved clinical outcomes and decreased hospitalizations that save third-party payers money, limited financial incentives are currently in place for healthcare providers and hospitals to initiate these programs.

  14. Year in Review: ASBO's Certificate of Excellence in Financial Reporting.

    Science.gov (United States)

    Gatti, Bernard F.

    1995-01-01

    Describes the Association of School Business Officials' (ASBO's) Certificate of Excellence for Financial Reporting review process for school district accounting and financial reporting. Describes the Self-Evaluation Worksheet revision, the panel of review members' guide, and highlights of program year 1994. Two figures are included. (LMI)

  15. Detecting Wash Trade in Financial Market Using Digraphs and Dynamic Programming.

    Science.gov (United States)

    Cao, Yi; Li, Yuhua; Coleman, Sonya; Belatreche, Ammar; McGinnity, Thomas Martin

    2016-11-01

    A wash trade refers to the illegal activities of traders who utilize carefully designed limit orders to manually increase the trading volumes for creating a false impression of an active market. As one of the primary formats of market abuse, a wash trade can be extremely damaging to the proper functioning and integrity of capital markets. The existing work focuses on collusive clique detections based on certain assumptions of trading behaviors. Effective approaches for analyzing and detecting wash trade in a real-life market have yet to be developed. This paper analyzes and conceptualizes the basic structures of the trading collusion in a wash trade by using a directed graph of traders. A novel method is then proposed to detect the potential wash trade activities involved in a financial instrument by first recognizing the suspiciously matched orders and then further identifying the collusions among the traders who submit such orders. Both steps are formulated as a simplified form of the knapsack problem, which can be solved by dynamic programming approaches. The proposed approach is evaluated on seven stock data sets from the NASDAQ and the London Stock Exchange. The experimental results show that the proposed approach can effectively detect all primary wash trade scenarios across the selected data sets.

  16. Marketing Need-Based Financial Aid Programs: An Institutional Case Study

    Science.gov (United States)

    Knight, Mary Beth

    2010-01-01

    Colleges and universities represent one of the most utilized sources of need-based financial aid information for students and families, and yet most research in access marketing is focused at the national and state levels. There is sparse published information about the effects of financial aid marketing observed through quantitative analysis, in…

  17. Effect of a novel financial incentive program on operating room efficiency.

    Science.gov (United States)

    Scalea, Thomas M; Carco, Darlene; Reece, Melissa; Fouche, Yvette L; Pollak, Andrew N; Nagarkatti, Sushruta S

    2014-09-01

    Operating room (OR) turnaround times (TATs) and on-time first-case starts (FCSs) are commonly used measures of OR efficiency. Prolonged TATs and late FCSs occur frequently at academic medical centers. To test the hypothesis that establishing a financial incentive program (FIP) for OR teams would improve efficiency, leading to decreased TATs and improved on-time FCSs. Prospective study to evaluate the effect of an FIP on OR efficiency between March 1, 2013, and December 31, 2013, at a freestanding academic trauma hospital. Participants were all OR team members and included anesthesiologists, certified registered nurse anesthetists, nurses, and technicians. Operating room efficiency awareness education was conducted before FIP implementation beginning in February 2013. Each eligible OR team member achieving a TAT of 60 minutes or less or an on-time FCS was awarded 1 point. Reports listing individual performances were posted. Pay bonuses were awarded for achieving 1 of 3 progressive point totals in any month. Outcomeswere TAT, whichwas defined as “wheels out” to “wheels in,” and on-time FCS, which was defined as “wheels in” within 6 minutes of the scheduled start time. Before FIP implementation, the mean TAT varied between 77 and 83 minutes, with only 18%to 26%of TATs being 60 minutes or less; on-time FCSs averaged 29% to 34%. After FIP implementation, on-time FCSs improved from 31% to 64%(P < .001), and TATs of 60 minutes or less increased from 24%to 52%(P < .001). The cost of a 2-month FIP was $8340. We saved 13 minutes per TAT, for an estimated savings of $177 000.We estimate an additional savings of $33 000 for on-time FCSs, for a total hospital savings of $210 000. A novel FIP improved OR efficiency. Given the small amount of money involved, it seems unlikely that financial incentives were solely responsible. Effectively communicating the importance of TATs and on-time FCSs and publishing individual results more likely increased staff awareness

  18. Financial Advisor - Budget and Financial Management | IDRC ...

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

    Job Summary As the most senior budget team member, the Financial Advisor assumes key responsibilities in the preparation of the annual program of work and budget of the Centre (xx cost centres totalling expending some $190 M in 2007-2008). The Financial Advisor also maintains and refines as needed financial ...

  19. Non-Parametric Integral Estimation Using Data Clustering in Stochastic dynamic Programming: An Introduction Using Lifetime Financial Modelling

    Directory of Open Access Journals (Sweden)

    Gaurav Khemka

    2017-10-01

    Full Text Available This paper considers an alternative way of structuring stochastic variables in a dynamic programming framework where the model structure dictates that numerical methods of solution are necessary. Rather than estimating integrals within a Bellman equation using quadrature nodes, we use nodes directly from the underlying data. An example of the application of this approach is presented using individual lifetime financial modelling. The results show that data-driven methods lead to the least losses in result accuracy compared to quadrature and Quasi-Monte Carlo approaches, using historical data as a base. These results hold for both a single stochastic variable and multiple stochastic variables. The results are significant for improving the computational accuracy of lifetime financial models and other models that employ stochastic dynamic programming.

  20. Expanding the Navy’s Managers Internal Control Program’s (MICP) Capability to Prepare for External Financial Audits

    Science.gov (United States)

    2015-06-01

    the Department is well managed. In 2013, The Committee of Sponsoring Organizations of the Treadway Commission ( COSO ) added 17 principles to the five...analyzing the content of the MICP against the COSO and GAO publications, this thesis developed templates to supplement the MICP in order to bring the...Commission’s ( COSO ) 17 Principles, Office of Financial Operations (FMO), Managers’ Internal Control Program, Managers’ Internal Control Manual. 15. NUMBER OF

  1. Motivation for participating in a weight loss program and financial incentives: an analysis from a randomized trial.

    Science.gov (United States)

    Crane, Melissa M; Tate, Deborah F; Finkelstein, Eric A; Linnan, Laura A

    2012-01-01

    This analysis investigated if changes in autonomous or controlled motivation for participation in a weight loss program differed between individuals offered a financial incentive for weight loss compared to individuals not offered an incentive. Additionally, the same relationships were tested among those who lost weight and either received or did not receive an incentive. This analysis used data from a year-long randomized worksite weight loss program that randomly assigned employees in each worksite to either a low-intensity weight loss program or the same program plus small financial incentives for weight loss ($5.00 per percentage of initial weight lost). There were no differences in changes between groups on motivation during the study, however, increases in autonomous motivation were consistently associated with greater weight losses. This suggests that the small incentives used in this program did not lead to increases in controlled motivation nor did they undermine autonomous motivation. Future studies are needed to evaluate the magnitude and timing of incentives to more fully understand the relationship between incentives and motivation.

  2. Motivation for Participating in a Weight Loss Program and Financial Incentives: An Analysis from a Randomized Trial

    Directory of Open Access Journals (Sweden)

    Melissa M. Crane

    2012-01-01

    Full Text Available This analysis investigated if changes in autonomous or controlled motivation for participation in a weight loss program differed between individuals offered a financial incentive for weight loss compared to individuals not offered an incentive. Additionally, the same relationships were tested among those who lost weight and either received or did not receive an incentive. This analysis used data from a year-long randomized worksite weight loss program that randomly assigned employees in each worksite to either a low-intensity weight loss program or the same program plus small financial incentives for weight loss ($5.00 per percentage of initial weight lost. There were no differences in changes between groups on motivation during the study, however, increases in autonomous motivation were consistently associated with greater weight losses. This suggests that the small incentives used in this program did not lead to increases in controlled motivation nor did they undermine autonomous motivation. Future studies are needed to evaluate the magnitude and timing of incentives to more fully understand the relationship between incentives and motivation.

  3. Motivation for Participating in a Weight Loss Program and Financial Incentives: An Analysis from a Randomized Trial

    Science.gov (United States)

    Crane, Melissa M.; Tate, Deborah F.; Finkelstein, Eric A.; Linnan, Laura A.

    2012-01-01

    This analysis investigated if changes in autonomous or controlled motivation for participation in a weight loss program differed between individuals offered a financial incentive for weight loss compared to individuals not offered an incentive. Additionally, the same relationships were tested among those who lost weight and either received or did not receive an incentive. This analysis used data from a year-long randomized worksite weight loss program that randomly assigned employees in each worksite to either a low-intensity weight loss program or the same program plus small financial incentives for weight loss ($5.00 per percentage of initial weight lost). There were no differences in changes between groups on motivation during the study, however, increases in autonomous motivation were consistently associated with greater weight losses. This suggests that the small incentives used in this program did not lead to increases in controlled motivation nor did they undermine autonomous motivation. Future studies are needed to evaluate the magnitude and timing of incentives to more fully understand the relationship between incentives and motivation. PMID:22577524

  4. Assessing the Financial Value of Human Resource Management Programs and Employee Behaviors: A Critical Tool Still Coming of Age

    Directory of Open Access Journals (Sweden)

    Aharon Tziner

    2015-11-01

    Full Text Available This paper highlights investigations into several aspects of the field of economic assessment of human resource management strategies and worker organizational behaviors, both classic and recent. We present the reader with both an historical overview and a review of conceptual and practical developments in this field. It is important to emphasize the influence of the early studies since later financial assessment models were built on the earlier paradigms. The basic thrust of this effort is to encourage the greater employment by managers of quantitative models that allow decision makers to generate all the factors needed to estimate real financial gains and/or losses before any intervention strategy is implemented in the workplace. As indicated, the use of these quantitative models to estimate the net financial gains of using particular intervention strategies or the value of certain types of worker behaviors, can ultimately save companies from making gross tactical errors and, more positively, can assist management in promoting the organization’s long-term economic goals with all the incumbent rewards.

  5. Can Surgical Trainees Achieve Arthroscopic Competence at the End of Training Programs? A Cross-sectional Study Highlighting the Impact of Working Time Directives.

    Science.gov (United States)

    Middleton, Robert M; Vo, Austin; Ferguson, Jamie; Judge, Andrew; Alvand, Abtin; Price, Andrew J; Rees, Jonathan L

    2017-06-01

    To provide training guidance on procedure numbers by assessing how the number of previously performed arthroscopic procedures relate to both competent and expert performance in simulated arthroscopic shoulder tasks. A cross-sectional study that assessed simulated shoulder arthroscopic performance was undertaken. A total of 45 participants of varying experience performed 2 validated tasks: a simple diagnostic task and a more complex Bankart labral repair task. All participants provided logbook numbers for previously performed arthroscopies. Performance was assessed with the Global Rating Scale and motion analysis. Receiver operating characteristic curve analyses were conducted to identify optimum cut points for task proficiency at both "competent" and "expert" levels. Increasing surgical experience resulted in significantly better performance for both tasks as assessed by Global Rating Scale or motion analysis (P arthroscopic training and highlights the positive relationship between arthroscopic case load and arthroscopic competency. We have estimated that the number of arthroscopies required to achieve competency in a basic arthroscopic task exceed those recommended in some countries. These estimates provide useful guidance to those responsible for training program. The numbers to achieve competent arthroscopic performance in the assessed simulated tasks exceed what is recommended and what is possible during surgical training programs in some countries. Copyright © 2016 Arthroscopy Association of North America. All rights reserved.

  6. Raising household saving: does financial education work?

    National Research Council Canada - National Science Library

    Gale, William G; Harris, Benjamin H; Levine, Ruth

    2012-01-01

    This article highlights the prevalence and economic outcomes of financial illiteracy among American households, and reviews previous research that examines how improving financial literacy affects household saving...

  7. Financial statements

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

    travel to deliver programs, through intelligence gathering, procedures, and .... Annual value (number) of agreements signed and amended. Unspent agreement ...... The financial statements are presented in Canadian dollars and all values are rounded to the nearest thousand ($000) except where otherwise indicated.

  8. Financialization and financial profit

    Directory of Open Access Journals (Sweden)

    Arturo Guillén

    2014-09-01

    Full Text Available This article starts from the critical review of the concept of financial capital. I consider it is necessary not to confuse this category with of financialization, which has acquired a certificate of naturalization from the rise of neoliberalism. Although financial monopoly-financial capital is the hegemonic segment of the bourgeoisie in the major capitalist countries, their dominance does not imply, a fortiori, financialization of economic activity, since it depends of the conditions of the process reproduction of capital. The emergence of joint stock companies modified the formation of the average rate of profit. The "promoter profit" becomes one of the main forms of income of monopoly-financial capital. It is postulated that financial profit is a kind of "extraordinary surplus-value" which is appropriated by monopoly-financial capital by means of the monopolistic control it exerts on the issue and circulation of fictitious capital.

  9. 1988 Underground Storage Tanks; Technical Requirements; Final Rule and Underground Storage Tanks Containing Petroleum-Financial Responsibility Requirements and State Program Approval Objective; Final Rule

    Science.gov (United States)

    EPA's 1988 regulations concerning USTs are contained in 40 CFR Part 280, 40 CFR Part 281 and 40 CFR Parts 282.50-282.105 and divided into three sections: technical requirements, financial responsibility requirements, and state program approval objectives.

  10. Financial Incentives: Only One Piece of the Workplace Wellness Puzzle; Comment on “Corporate Wellness Programs: Implementation Challenges in the Modern American Workplace”

    Directory of Open Access Journals (Sweden)

    Kristin Van Busum

    2013-11-01

    Full Text Available In this commentary, we argue that financial incentives are only one of many key components that employers should consider when designing and implementing a workplace wellness program. Strategies such as social encouragement and providing token rewards may also be effective in improving awareness and engagement. Should employers choose to utilize financial incentives, they should tailor them to the goals for the program as well as the targeted behaviors and health outcomes.

  11. 78 FR 21308 - Medicare Program; Physicians' Referrals to Health Care Entities With Which They Have Financial...

    Science.gov (United States)

    2013-04-10

    ...; Physicians' Referrals to Health Care Entities With Which They Have Financial Relationships: Exception for... period on the following Web site as soon as possible after they have been received: http://www... 1989, we have published a series of final rules interpreting the statute and promulgating numerous...

  12. 78 FR 78751 - Medicare Program; Physicians' Referrals to Health Care Entities With Which They Have Financial...

    Science.gov (United States)

    2013-12-27

    ...; Physicians' Referrals to Health Care Entities With Which They Have Financial Relationships: Exception for... abuse. Since the original enactment of the statute in 1989, we have published a series of final rules...(2). It is also not economically significant, because it will not have a significant effect on...

  13. FCS Academic Programs and Financial Planning Industry: Partnering to Meet Growing Demand

    Science.gov (United States)

    Lytton, Ruth H.; Grable, John E.

    2004-01-01

    Since the turn of the 20th century and the coalescence of home economics, the use of money within the household has been an issue of study. Now known as family and consumer sciences (FCS), the profession can boast of a century of financial education of youth and adults in a variety of formal and informal settings. In recent decades, financial…

  14. 75 FR 76677 - Financial Crimes Enforcement Network: Anti-Money Laundering Program and Suspicious Activity...

    Science.gov (United States)

    2010-12-09

    ... examples of red flags associated with existing or potential customers are referenced in previous FinCEN... related to mortgage fraud.\\13\\ \\13\\ See Mortgage Fraud (a listing of FinCEN's mortgage fraud related..., U.S. Department of the Treasury, on ``The Financial Fraud Enforcement Task Force'', Nov. 17, 2009...

  15. Como preparar un programa de informacion sobre la asistencia economica (Planning a Financial Aid Awareness Program).

    Science.gov (United States)

    Department of Education, Washington, DC.

    This booklet, written in Spanish, is intended to be used with a set of slides as part of a presentation to students on "How To Apply for Federal Student Aid" ("Como Solicitar la Asistencia Economica Federal para Estudiantes"). The first part of the book is a script based on the slides. After the script is a guide to hosting a financial aid…

  16. Highlights from the 2016 HIV diagnostics conference: The new landscape of HIV testing in laboratories, public health programs and clinical practice.

    Science.gov (United States)

    Wesolowski, Laura G; Parker, Monica M; Delaney, Kevin P; Owen, S Michele

    2017-06-01

    The 2016 HIV Diagnostics Conference, held in Atlanta, Georgia, was attended by public health officials, laboratorians, HIV testing program managers, surveillance coordinators and industry representatives. The conference addressed test performance data, the implementation of new testing algorithms, quality assurance, and the application of new tests in a variety of settings. With regard to the recommended Centers for Disease Control and Prevention/Association of Public Health Laboratories HIV laboratory testing algorithm, the conference featured performance data, implementation challenges such as a lack of test options for the second and third steps, as well as data needs for new tests that may be used as part of the algorithm. There are delays when nucleic acid testing is needed with the algorithm. Novel tests such as point of care nucleic acid tests are needed on the U.S. market to readily identify acute infection. Multiplex tests are being developed which allow for the simultaneous detection of multiple pathogens. CDC staff highlighted new guidance for testing in non-clinical settings. Innovative approaches to linking testing and care in some settings have led to identification of early infections, improved receipt of test results and expedited initiation of therapy. Work continues to optimize testing so that infections are accurately identified as early as possible and time to treatment is minimized to improve health outcomes and prevent transmission. Published by Elsevier B.V.

  17. An evaluation of the Well at Dell health management program: health risk change and financial return on investment.

    Science.gov (United States)

    Musich, Shirley; McCalister, Tre'; Wang, Sara; Hawkins, Kevin

    2015-01-01

    To investigate the effectiveness of the Well at Dell comprehensive health management program in delivering health care and productivity cost savings relative to program investment (i.e., return on investment). A quasi-experimental design was used to quantify the financial impact of the program and nonexperimental pre-post design to evaluate change in health risks. Ongoing worksite health management program implemented across multiple U.S. locations. Subjects were 24,651 employees with continuous medical enrollment in 2010-2011 who were eligible for 2011 health management programming. Incentive-driven, outcomes-based multicomponent corporate health management program including health risk appraisal (HRA)/wellness, lifestyle management, and disease management coaching programs. Medical, pharmacy, and short-term disability pre/post expenditure trends adjusted for demographics, health status, and baseline costs. Self-reported health risks from repeat HRA completers. Analysis: Propensity score-weighted and multivariate regression-adjusted comparison of baseline to post trends in health care expenditures and productivity costs for program participants and nonparticipants (i.e., difference in difference) relative to programmatic investment. The Well at Dell program achieved an overall return on investment of 2.48 in 2011. Most of the savings were realized from the HRA/wellness component of the program. Cost savings were supported with high participation and significant health risk improvement. An incentive-driven, well-managed comprehensive corporate health management program can continue to achieve significant health improvement while promoting health care and productivity cost savings in an employee population.

  18. Optimal Capital Structure in Depository Financial Institutions - A Dynamic Programming Approach

    OpenAIRE

    Sandbu, Andreas Davies; Braathen, Christian; Solbakk, Fredrik

    2015-01-01

    We formulate a stochastic optimal control problem for the capital structure of depository financial institutions (DFIs), where the market value of equity is maximized in a dividend discount framework. The key objective is to study capital structure behavior of DFIs under uncertain market conditions when governmental capital regulations are imposed, in particular minimum requirements for the Core Tier 1 capital ratio given by the Basel III directive. We solve the problem by two distinct approa...

  19. Malaysia; Financial Sector Assessment Program Monetary Liquidity Frameworks-Technical Note

    OpenAIRE

    International Monetary Fund

    2014-01-01

    This technical note on Monetary Liquidity Frameworks on Malaysia’s inflation analyzes that it has returned to a more stable path, after some wider fluctuations before and during the global financial crisis. On the liability side, Malaysian banks’ liquidity is based largely on deposits. The increase in foreign reserves at the Central Bank is a major driver of the growth of the Bank Negara Malaysia’s balance sheet. Monetary operations with Islamic banks are carried out through specific Shariah-...

  20. The impact of an m-Health financial incentives program on the physical activity and diet of Australian truck drivers

    Directory of Open Access Journals (Sweden)

    Nicholas D. Gilson

    2017-05-01

    Full Text Available Abstract Background Chronic diseases are high in truck drivers and have been linked to work routines that promote inactivity and poor diets. This feasibility study examined the extent to which an m-Health financial incentives program facilitated physical activity and healthy dietary choices in Australian truck drivers. Methods Nineteen men (mean [SD] age = 47.5 [9.8] years; BMI = 31.2 [4.6] kg/m2 completed the 20-week program, and used an activity tracker and smartphone application (Jawbone UP™ to regulate small positive changes in occupational physical activity, and fruit, vegetable, saturated fat and processed/refined sugar food/beverage choices. Measures (baseline, end-program, 2-months follow-up; April–December 2014 were accelerometer-determined proportions of work time spent physically active, and a workday dietary questionnaire. Statistical (repeated measures ANOVA and thematic (interviews analyses assessed program impact. Results Non-significant increases in the mean proportions of work time spent physically active were found at end-program and follow-up (+1%; 7 mins/day. Fruit (p = 0.023 and vegetable (p = 0.024 consumption significantly increased by one serve/day at end-program. Non-significant improvements in saturated fat (5% and processed/refined sugar (1% food/beverage choices were found at end-program and follow-up. Overall, 65% (n = 11 of drivers demonstrated positive changes in physical activity, and at least one dietary choice (e.g. saturated fat at follow-up. Drivers found the financial incentives component of the program to be a less effective facilitator of change than the activity tracker and smartphone application, although this technology was easier to use for monitoring of physical activity than healthy dietary choices. Conclusions Not all drivers benefitted from the program. However, positive changes for different health behaviours were observed in the majority of participants. Outcomes from this

  1. The impact of an m-Health financial incentives program on the physical activity and diet of Australian truck drivers.

    Science.gov (United States)

    Gilson, Nicholas D; Pavey, Toby G; Wright, Olivia Rl; Vandelanotte, Corneel; Duncan, Mitch J; Gomersall, Sjaan; Trost, Stewart G; Brown, Wendy J

    2017-05-18

    Chronic diseases are high in truck drivers and have been linked to work routines that promote inactivity and poor diets. This feasibility study examined the extent to which an m-Health financial incentives program facilitated physical activity and healthy dietary choices in Australian truck drivers. Nineteen men (mean [SD] age = 47.5 [9.8] years; BMI = 31.2 [4.6] kg/m 2 ) completed the 20-week program, and used an activity tracker and smartphone application (Jawbone UP™) to regulate small positive changes in occupational physical activity, and fruit, vegetable, saturated fat and processed/refined sugar food/beverage choices. Measures (baseline, end-program, 2-months follow-up; April-December 2014) were accelerometer-determined proportions of work time spent physically active, and a workday dietary questionnaire. Statistical (repeated measures ANOVA) and thematic (interviews) analyses assessed program impact. Non-significant increases in the mean proportions of work time spent physically active were found at end-program and follow-up (+1%; 7 mins/day). Fruit (p = 0.023) and vegetable (p = 0.024) consumption significantly increased by one serve/day at end-program. Non-significant improvements in saturated fat (5%) and processed/refined sugar (1%) food/beverage choices were found at end-program and follow-up. Overall, 65% (n = 11) of drivers demonstrated positive changes in physical activity, and at least one dietary choice (e.g. saturated fat) at follow-up. Drivers found the financial incentives component of the program to be a less effective facilitator of change than the activity tracker and smartphone application, although this technology was easier to use for monitoring of physical activity than healthy dietary choices. Not all drivers benefitted from the program. However, positive changes for different health behaviours were observed in the majority of participants. Outcomes from this feasibility study inform future intervention development for

  2. Child Care Food Program Financial Management Guide. PTM No. 300.83.

    Science.gov (United States)

    Haszu, Louis A.; McAtee, Sharon A.

    While costs are no longer reported to the Child Care Food Program on the monthly reimbursement voucher, Federal regulations for the program require that each participating sponsor operate a nonprofit food service and that any income accrued from the program be used solely for the conduct of improvement of the food service operation. Therefore, it…

  3. 31 CFR 103.170 - Exempted anti-money laundering programs for certain financial institutions.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Exempted anti-money laundering... TRANSACTIONS Anti-Money Laundering Programs Anti-Money Laundering Programs § 103.170 Exempted anti-money... establishment of anti-money laundering programs: (1) An agency of the United States Government, or of a State or...

  4. Tribal CCDF Guide to "Financial Management, Grants Administration, and Program Accountability"

    Science.gov (United States)

    Child Care Bureau, 2009

    2009-01-01

    Tribal managers and staff working with Federal grants must be fully knowledgeable of all applicable Federal requirements and skilled in applying these requirements to the daily operation of their programs, whether starting a new program or striving to maintain a quality program which meets the intent of the enacting legislation. It is the…

  5. Program of financial support of civil society organizations in Tijuana: Building a relationship between civil society and municipal government from a political change

    Directory of Open Access Journals (Sweden)

    Sheila Delhumeau Rivera

    2008-07-01

    Full Text Available This document analyzes the relations between society and government that took place with the Financial Aid to Civil Society Organizations Program in Tijuana. The decentralization process of social policy in Mexico is revised as the context in which new programs and initiatives are developed promoting a stronger participation of the society in the policy process. The reflection on the social policy of the National Action Party in Baja California since 1989, has lead us to see the new challenges that the Financial Aid to Civil Society Organizations Program presents to the local and state government and the social organizations.

  6. Financial incentives, quality improvement programs, and the adoption of clinical information technology.

    Science.gov (United States)

    Robinson, James C; Casalino, Lawrence P; Gillies, Robin R; Rittenhouse, Diane R; Shortell, Stephen S; Fernandes-Taylor, Sara

    2009-04-01

    Physician use of clinical information technology (CIT) is important for the management of chronic illness, but has lagged behind expectations. We studied the role of health insurers' financial incentives (including pay-for-performance) and quality improvement initiatives in accelerating adoption of CIT in large physician practices. National survey of all medical groups and independent practice association (IPA) physician organizations with 20 or more physicians in the United States in 2006 to 2007. The response rate was 60.3%. Use of 19 CIT capabilities was measured. Multivariate statistical analysis of financial and organizational factors associated with adoption and use of CIT. Use of information technology varied across physician organizations, including electronic access to laboratory test results (medical groups, 49.3%; IPAs, 19.6%), alerts for potential drug interactions (medical groups, 33.9%; IPAs, 9.5%), electronic drug prescribing (medical groups, 41.9%; IPAs, 25.1%), and physician use of e-mail with patients (medical groups, 34.2%; IPAs, 29.1%). Adoption of CIT was stronger for physician organizations evaluated by external entities for pay-for-performance and public reporting purposes (P = 0.042) and for those participating in quality improvement initiatives (P quality improvement initiatives are associated with greater use of CIT by large physician practices.

  7. Southeast Alaska forests: inventory highlights.

    Science.gov (United States)

    Sally Campbell; Willem W.S. van Hees; Bert. Mead

    2004-01-01

    This publication presents highlights of a recent southeast Alaska inventory and analysis conducted by the Pacific Northwest Research Station Forest Inventory and Analysis Program (USDA Forest Service). Southeast Alaska has about 22.9 million acres, of which two-thirds are vegetated. Almost 11 million acres are forest land and about 4 million acres have nonforest...

  8. AN APROACH OF LOCAL FINANCIAL AUTONOMY AND IMPLICATION OVER SUSTAINABLE DEVELOPMENT IN THE KNOWLEDGE SOCIETY

    Directory of Open Access Journals (Sweden)

    Elena CIGU

    2014-12-01

    Full Text Available Local governments play an important role in sustainable development processes based on their administrative and financial autonomy. Policies and programs undertaken to assure sustainable development by local governments produce benefits for persistence of the knowledge society. This paper will try to highlight the implication of local financial autonomy over sustainable development of local communities in a knowledge society, based especially on local financial autonomy theory approach.

  9. 76 FR 66169 - Office of Advocacy and Outreach Federal Financial Assistance Programs

    Science.gov (United States)

    2011-10-26

    ... Food, Conservation, and Energy Act of 2008, (FCEA). Additionally, this interim rule establishes... Program (OASDFR Program), established by the Food, Agriculture, Conservation and Trade Act of 1990 (FACT Act). It sets forth the criteria to deliver outreach and technical assistance in a linguistically...

  10. Physician assistant program directors' attitudes, practices, and plans regarding financial compensation to clinical sites.

    Science.gov (United States)

    Glavaz, Gerald A; Alexander, Jeffrey L; Curtis, Denice; Eskes, Christy

    2014-01-01

    Some physician assistant (PA) program directors believe paying clinicians and administrators for clinical sites is fair and necessary, while others regard such practices as undermining traditional altruistic motivations for precepting. The purpose of this study was to assess PA program directors' attitudes on this topic and describe current practices and future plans regarding compensation to clinical sites. A cross-sectional descriptive survey was sent to directors of PA programs with continuing and provisional accreditation status in 2012. Seventy-eight (48%) of the 163 program directors surveyed participated in the study. Although most respondents indicated that paying for clinical sites was not an acceptable practice, almost half believed it would. be acceptable if there were standards and definitions for equitable and fair payments. Despite the finding that most respondents' programs do not pay for clinical sites, nearly half anticipate their programs will be paying for clinical sites in three years, and the cost of such payments will be passed on to students in the form of increased tuition or separate fees. Many indicated a concern that paying for clinical sites may result in monopolies and bidding wars. While paying clinical sites may be effective for recruitment and retention of clinical sites, most program directors are concerned about the expanded role economics will have for their program. Agreed-upon standards and definitions for fair and equitable payment practices may alleviate some of these concerns. However, the potential effects on students and programs identified in this study necessitate additional research to fully assess what implications this may have on PA education and the profession.

  11. The Effect of Financial Leverage, Employee Stock Ownership Program and Firm Size on Firm Performance of Companies Listed in Indonesia Stock Exchange

    Directory of Open Access Journals (Sweden)

    Nurainun Bangun

    2017-07-01

    Full Text Available The purpose of this research is to examine and to obtain affected empirical evidence of financial leverage, firm size and employee stock ownership program (ESOP to firm performance in manufacturing company in Indonesian Stock Exchange on 2013-2015. Independent variables in this research are Financial Leverage (DER, Firm Size and Employee Stock Ownership Program (ESOP. Dependent variables in this research are Return on Assets (ROA and Return On Equity (ROE. The results Showed that the simultaneous test of three independent variables Significantly afftected to the ROA and ROE. The partial tests of Financial Leverage (proxy DER and Firm Size Significantly affected to ROA and ROE. But, the results Showed that the Employee Stock Ownership Program (ESOP did not Affect to ROA and ROE.

  12. Highlighting Changes in the Classrooms of a Successful One-to-One Program in Rural Argentina: Case Studies of "Todos los Chicos en la Red" in San Luis

    Science.gov (United States)

    Light, Daniel; Pierson, Elizabeth

    2012-01-01

    One-to-one computing programs and laptop programs have been a popular approach to education reform in developing countries over the last decade. A motivation behind so many one-to-one laptop programs is the desire to overcome with one powerful resource the historical lack of educational tools and resources available in developing countries.…

  13. 34 CFR 668.47 - Report on athletic program participation rates and financial support data.

    Science.gov (United States)

    2010-07-01

    ... alumni and others, institutional support, program advertising and sales, radio and television, royalties... all women's sports combined. (D) Revenues attributable to football. (E) Revenues attributable to men's... except football and basketball, combined. (H) Revenues attributable to all women's sports except...

  14. Highlights from PHENIX - I

    OpenAIRE

    Franz, A.; Collaboration, for the PHENIX

    2008-01-01

    This contribution highlights recent results from the PHENIX Collaboration at RHIC. It covers global variables, flow and 2--particle correlations. A second contribution in this issue, by T.C.Awes, covers PHENIX results on heavy quarks, leptons and photons.

  15. Evaluation tools for undergraduate program planning in times of financial austerity.

    Science.gov (United States)

    O'Palka, J; Harris, P R

    1990-05-01

    This article describes the administration and outcome of two evaluation tools developed by faculty of the dietetic program for ongoing assessment of a Plan IV dietetic education program over a 4-year period. Interns and internship directors were asked to evaluate the level of skills and knowledge base of interns compared with their internship classmates. Interns were also asked to rate the effectiveness of undergraduate course assignments and activities for internship preparation. As a result of the surveys, the home economics core course work was deleted, credits were shifted from food science to nutrient metabolism courses, and credits in clinical nutrition were increased. Projects in clinical nutrition and food systems management were modified. The surveys justified program requirements and utilization of resources, and provided an additional, effective measure of faculty competence.

  16. Policy, environment, and worksite fitness program participation among financial enterprise employees in Taiwan

    Directory of Open Access Journals (Sweden)

    Sheu-jen Huang

    2016-06-01

    Conclusion: The influential factors of social support and worksite environment could predict the employees' participation in the physical fitness programs and leisure-time physical activities. Health promotion policy and equipment attenuated the negative effects of nonparticipation as well as amplified the positive effects of participation.

  17. Financial Stability and Financial Inclusion

    OpenAIRE

    Peter J. Morgan; Victor Pontines

    2014-01-01

    Developing economies are seeking to promote financial inclusion, i.e., greater access to financial services for low-income households and firms, as part of their overall strategies for economic and financial development. This raises the question of whether financial stability and financial inclusion are, broadly speaking, substitutes or complements. In other words, does the move toward greater financial inclusion tend to increase or decrease financial stability? A number of studies have sugge...

  18. Malaysia; Publication of Financial Sector Assessment Program Documentation—Detailed Assessment of Observance of the CPSS-IOSCO Principles for Financial Market Infrastructures

    OpenAIRE

    International Monetary Fund

    2013-01-01

    This report is an assessment of the CPSS-IOSCO Principles for Financial Market Infrastructures (PFMI) in Malaysia. The central bank is in charge of the payment and settlement systems and the Securities Commission (SC) is in charge of regulation and securities. The payment and security systems are elaborated along with the roles of Bursa Malaysia Securities Clearing, Bursa Malaysia Depo, and the Bursa Malaysia Derivative Clearing mechanism. The Executive Board comments that Malaysia shows cons...

  19. Needle and syringe programs in Yunnan, China yield health and financial return

    Directory of Open Access Journals (Sweden)

    Xun Zhuang

    2011-04-01

    Full Text Available Abstract Background As a harm reduction strategy in response to HIV epidemics needle and syringes programs (NSPs were initiated throughout China in 2002. The effectiveness of NSPs in reducing the spread of infection in such an established epidemic is unknown. In this study we use data from Yunnan province, the province most affected by HIV in China, to (1 estimate the population benefits in terms of infections prevented due to the programs; (2 calculate the cost-effectiveness of NSPs. Methods We developed a mathematical transmission model, informed by detailed behavioral and program data, which accurately reflected the unique HIV epidemiology among Yunnan injecting drug users (IDUs in the presence of NSPs. We then used the model to estimate the likely epidemiological and clinical outcomes without NSPs and conducted a health economics analysis to determine the cost-effectiveness of the program. Results It is estimated that NSPs in Yunnan have averted approximately 16-20% (5,200-7,500 infections of the expected HIV cases since 2002 and led to gains of 1,300-1,900 DALYs. The total $1.04 million spending on NSPs from 2002 to 2008 has resulted in an estimated cost-saving over this period of $1.38-$1.97 million due to the prevention of HIV and the associated costs of care and management. Conclusion NSPs are not only cost-effective but cost-saving in Yunnan. Significant scale-up of NSPs interventions across China and removal of the societal and political barriers that compromise the effects of NSPs should be a health priority of the Chinese government.

  20. LHC Results Highlights (CLASHEP 2013)

    CERN Document Server

    Gonzalez, O.

    2015-05-22

    The good performance of the LHC provided enough data at 7 TeV and 8 TeV to allow the experiments to perform very competitive measurements and to expand the knowledge about the fundamental interaction far beyond that from previous colliders. This report summarizes the highlights of the results obtained with these data samples by the four large experiments, covering all the topics of the physics program and focusing on those exploiting the possibilities of the LHC.

  1. The Impact of a Holistic Conditional Cash Transfer Program in New York City on Parental Financial Investment, Student Time Use, and Educational Processes and Outcomes

    Science.gov (United States)

    Aber, J. Lawrence; Morris, Pamela; Wolf, Sharon; Berg, Juliette

    2016-01-01

    This article examines the impacts of Opportunity New York City-Family Rewards, the first holistic conditional cash transfer (CCT) program evaluated in the United States, on parental financial investments in children, and high school students' academic time use, motivations and self-beliefs, and achievement outcomes. Family Rewards, launched by the…

  2. 5 CFR Appendix C to Subpart D of... - Application of Subpart D, Part 900, to Programs Receiving Federal Financial Assistance of the...

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Application of Subpart D, Part 900, to Programs Receiving Federal Financial Assistance of the Office of Personnel Management C Appendix C to Subpart D of Part 900 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) INTERGOVERNMENTAL...

  3. Cognitive, Pedagogic, and Financial Implications of Word Processing in a Freshman English Program: A Report on Two Years of a Longitudinal Study. AIR 1986 Annual Forum Paper.

    Science.gov (United States)

    Dean, Robert L.

    Results of 2 years of applying microcomputing technology in a college freshman English program at a medium-sized university are reported. Using a cross-factorial research design, six instructors and six control and six experimental sections were studied to determine the cognitive, pedagogic, and financial implications of the microcomputer…

  4. ATLAS Outreach Highlights

    CERN Document Server

    Cheatham, Susan; The ATLAS collaboration

    2016-01-01

    The ATLAS outreach team is very active, promoting particle physics to a broad range of audiences including physicists, general public, policy makers, students and teachers, and media. A selection of current outreach activities and new projects will be presented. Recent highlights include the new ATLAS public website and ATLAS Open Data, the very recent public release of 1 fb-1 of ATLAS data.

  5. The Financial Impact of a Multidisciplinary Preoperative Risk Stratification Program for Joint Arthroplasty.

    Science.gov (United States)

    Duplantier, Neil; Briski, David; Ochsner, John Lockwood; Meyer, Mark; Stanga, Daryl; Chimento, George F

    2015-09-01

    This study's purpose was to assess the impact of a preoperative risk stratification program on joint arthroplasty outcomes at a single institution. We hypothesized that by using a standardized preoperative risk stratification center we would see better outcomes and decreased costs. The triage cohort (T) included 1498 patients assessed at a standardized risk stratification center, and the non-triage cohort (NT) included 1100 patients who did not utilize the center. The T cohort had significantly higher ASA classification (Prisk stratification center can contribute to decreased LOS, increased reimbursement and help prevent complications. Copyright © 2015 Elsevier Inc. All rights reserved.

  6. Financial Literacy Education for Women

    Science.gov (United States)

    Jarecke, Jodi; Taylor, Edward W.; Hira, Tahira K.

    2014-01-01

    Exploring the pedagogical approaches of four women's financial literacy education programs, this chapter provides an overview of trends and needs in financial education for women and offers pedagogical strategies for teaching women about finance.

  7. Implementation Costs of an Enhanced Recovery After Surgery Program in the United States: A Financial Model and Sensitivity Analysis Based on Experiences at a Quaternary Academic Medical Center.

    Science.gov (United States)

    Stone, Alexander B; Grant, Michael C; Pio Roda, Claro; Hobson, Deborah; Pawlik, Timothy; Wu, Christopher L; Wick, Elizabeth C

    2016-03-01

    Despite positive results from several international Enhanced Recovery After Surgery (ERAS) protocols, the United States has been slow to adopt ERAS protocols, in part due to concern regarding the expenses of such a program. We sought to evaluate the potential annual net cost savings of implementing a US-based ERAS program. Using data from existing publications and experience with an ERAS program, a model of net financial costs was developed for surgical groups of escalating numbers of annual cases. Our example scenario provided a financial analysis of the implementation of an ERAS program at a United States academic institution based on data from the ERAS Program for Colorectal Surgery at The Johns Hopkins Hospital. Based on available data from the United States, ERAS programs lead to reductions in lengths of hospital stay that range from 0.7 to 2.7 days and substantial direct cost savings. Using example data from a quaternary hospital, the considerable cost of $552,783 associated with implementation of an ERAS program was offset by even greater savings in the first year of nearly $948,500, yielding a net savings of $395,717. Sensitivity analysis across several caseload and direct cost scenarios yielded similar savings in 20 of the 27 projections. Enhanced Recovery After Surgery protocols have repeatedly led to reduction in length of hospital stay and improved surgical outcomes. A financial model, based on published data and experience, projects that investment in an ERAS program can also lead to net financial savings for US hospitals. Copyright © 2016 American College of Surgeons. Published by Elsevier Inc. All rights reserved.

  8. PARTICULARITIES OF THE FINANCIAL INFORMATION SYSTEM IN NONPROFIT ORGANIZATIONS

    Directory of Open Access Journals (Sweden)

    Delia Corina MIHALȚAN

    2015-06-01

    Full Text Available Due to the crucial importance of financial information in the context of a knowledge society like ours, the present paper aims to highlight the typical aspects of the financial information system in nonprofit organizations, for the very reason that, inside it, the financial information is produced, which is so necessary to the decisional process. Starting from the hypothesis that the financial information system is influenced by the features specific of the nonprofit organizations, we have applied a methodological approach that has led us to the formulation of certain conclusions. We have studied the literature, the legislation in this domain and the practical realities of the nonprofit organizations analyzed. We concluded that the financial information system of the nonprofit organizations is structured according to the activities undertaken, the programs assumed, the type of funding, the type of target group, the budget-based activities and the presence of volunteers.

  9. Students win national financial planning contest

    OpenAIRE

    Sutphin, Michael D.

    2007-01-01

    Three Virginia Tech students studying financial planning have won the 2007 Ameriprise Financial Planning Invitational, bringing home $10,000 in scholarship money to support the financial planning program in the College of Agriculture and Life Sciences.

  10. FY 2014 Continuation of Solicitation for the Office of Science Financial Assistance Program

    Energy Technology Data Exchange (ETDEWEB)

    Saundry, Peter [National Council for Science and the Environment, Washington, DC (United States)

    2014-04-01

    On January 28-30, 2014, the National Council for Science and the Environment (NCSE) hosted its 14th National Confrerence and Global Forum on Science, Policy and the Environment: Building Climate Solutions. The conference was held at the Hyatt Regency Crystal City near the Washington, DC National Airport. The conference engaged over 1,100 key individuals from a variety of fields, including natural and social sciences, humanities and engineering and government and policy, as well as business and civil society. They developed actionable partnerships, strategies and tactics that advanced solutions minimizing the impacts of anthropogenic climate change. The conference was organized around the two major areas where climate actions are necessary: [1] The Built Environment; and, [2] Agriculture and Natural Resources. This “multi-sector approach” of the conference enables participants to work across traditional boundaries of discipline, science, policy and application by engaging a diverse team of scientists, public- and private-sector program managers, and policy-makers. The confernce was two and a half days long. During this time, over 200 speakers presented in 8 keynote addresses, 7 plenary roundtable discussions, 30 symposia and 23 workshops. The goal of the workshops was to generate additional action through development of improved strategies, tools, and partnerships. During the workshops, participants developed actionable outcomes, committed to further collaboration and implementation, and outlined follow-up activities for post-conference. A list of recommendations from the workshop follows this summary. NCSE’s annual conference has become a signature event for the organization, recognized for its notable presenters, innovative programming, and outcome-oriented approach. Each year, over 1,100 participants attend the event, representing federal agencies, higher education institutions, state and local governments, non-governmental and civic organizations

  11. Clinical highlights from Amsterdam

    Directory of Open Access Journals (Sweden)

    Jouke T. Annema

    2016-07-01

    Full Text Available This article contains highlights and a selection of the scientific advances from the Clinical Assembly that were presented at the 2015 European Respiratory Society International Congress in Amsterdam, the Netherlands. The most relevant topics for clinicians will be discussed, covering a wide range of areas including interventional pulmonology, rehabilitation and chronic care, thoracic imaging, diffuse and parenchymal lung diseases, and general practice and primary care. In this comprehensive review, exciting novel data will be discussed and put into perspective.

  12. FY 2016 Research Highlights

    Energy Technology Data Exchange (ETDEWEB)

    2017-03-23

    This fact sheet summarizes the research highlights for the Clean Energy Manufacturing Analysis Center (CEMAC) for Fiscal Year 2106. Topics covered include additive manufacturing for the wind industry, biomass-based chemicals substitutions, carbon fiber manufacturing facility siting, geothermal power plant turbines, hydrogen refueling stations, hydropower turbines, LEDs and lighting, light-duty automotive lithium-ion cells, magnetocaloric refrigeration, silicon carbide power electronics for variable frequency motor drives, solar photovoltaics, and wide bandgap semiconductor opportunities in power electronics.

  13. Highlights from PHENIX

    Science.gov (United States)

    Drees, Axel

    2016-12-01

    This talk presents highlights from the PHENIX experiment. These include results from the beam energy scan at √{sNN} = 7.7 to 200 GeV, yield and anisotropy of low pT direct photon emission in Au+Au, results on the e+e- pair continuum measured with the hadron blind detector (HBD), separation of charm and bottom energy loss using the PHENIX vertex tracker (VTX), and evidence for strongly coupled matter in small systems.

  14. Southeastern Federal Power Program. Combined financial statements, September 30, 1996 and 1995

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1998-05-01

    The Southeastern Federal Power Program (SEFPP) consists of all activities associated with the production, transmission and disposition of Federal power marketed under Section 5 of the Flood Control Act of 1944 from projects in the ten southeastern states. The ten states are: Virginia, West Virginia, North Carolina, South Carolina, Georgia, Florida, Alabama, Mississippi, Tennessee, and Kentucky. Power is marketed to customers in 11 states - the above ten plus Illinois. SEFPP includes the accounts of two separate Federal government agencies- the Southeastern Power Administration (Southeastern) of the Department of Energy and the U.S. Army Corps of Engineers (Corps). Southeastern purchases, transmits, and markets power within four separate power systems (each including one or more Corps generating projects for which rates are set). Specific and joint-use costs allocated to power are included in the attached statements of assets. Federal investment and liabilities under utility plant and cash. The accounts of SEFPP are maintained in conformity with generally accepted accounting principles and the Uniform System of Accounts prescribed for electric utilities by the Federal Energy Regulatory Commission (FERC). SEFPP`s accounting policies also reflect requirements of specific legislation and executive directives issued by the applicable government agencies. Southeastern and Corps properties and income are exempt from taxation. Southeastern and the Corps receive Congressional appropriations through the Department of Energy (DOE) and the Department of Defense to finance their operations. The Corps also receives Congressional appropriations to finance construction of its hydroelectric projects.

  15. Highlights from ATLAS

    CERN Document Server

    Charlton, D; The ATLAS collaboration

    2013-01-01

    Highlights of recent results from ATLAS were presented. The data collected to date, the detector and physics performance, and measurements of previously established Standard Model processes were reviewed briefly before summarising the latest ATLAS results in the Brout-Englert-Higgs sector, where big progress has been made in the year since the discovery. Finally, selected prospects for measurements including the data from the HL-LHC luminosity upgrade were presented, for both ATLAS and CMS. Many of the results mentioned are preliminary. These proceedings reflect only a brief summary of the material presented, and the status at the time of the conference is reported.

  16. February 2017 - NIF Highlights

    Energy Technology Data Exchange (ETDEWEB)

    Fournier, K. B. [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States)

    2017-03-13

    February was a very productive month with only 20 shot days on the calendar. There were 41 target shots performed for the HED, ICF, and the Discovery Science (DS) program. The DS program had a week dedicated to their experiments that was extraordinarily fruitful: 14 target shots were performed for five independent teams, each of whom had a unique experimental platform to field. The teams and the facility worked extraordinarily well to pull off this feat! Additionally, the facility developed high-energy laser operations on a demonstration quad to investigate taking NIF to a new level of performance, and the ICF program demonstrated a 40% increase in the yield from a capsule that had a new, 5-μm-diameter fill tube that apparently mitigates some of the issues that have affected implosions to date. Details follow below.

  17. Science Highlights from SOFIA

    Science.gov (United States)

    Young, Erick T.

    2017-06-01

    SOFIA, the Stratospheric Observatory for Infrared Astronomy, is a joint project between NASA and the German Aerospace Center DLR to provide infrared and sub-millimeter observing capabilities to the worldwide astronomical community. With a wide range of instruments that cover both imaging and spectroscopy, SOFIA has produced unique scientific results that could not be obtained with a ground-based facility. In this talk, I will describe highlights from a range of areas in astronomy. A particular strength of SOFIA is high resolution spectroscopy. In the mid-infrared, the instrument EXES has enabled velocity-resolved observations of solar system, interstellar, and star forming regions. The heterodyne spectrometer GREAT has been a particularly productive instrument on SOFIA, with high resolution studies of the gas in the interstellar medium. With its extremely high spectral resolution, GREAT has allowed dynamical studies of clouds and their interactions. I will highlight observations that demonstrate the infall of material in star-forming regions. SOFIA can go to where the science is. This mobility is important for localized events such as occultations. Results from the recent Pluto occultation campaign will be discussed.

  18. Fall Meeting Hydrology Highlights

    Science.gov (United States)

    Bales, Roger

    The AGU 1992 Fall Meeting in San Francisco offered the full range of subjects represented by the Hydrology Section's technical committees. The total number of papers was double the number of just 4 years ago. Sessions were well attended. The following highlights were prepared from material written by session organizers.There were 3 full days of papers on snow, ice, and permafrost. One highlight was the special session on new developments in glacier mass-balance studies, which was organized to compare existing methods and examine new techniques for assessing changes in ice mass of the polar ice sheets and alpine glaciers. Current methods for assessing mass change of the ice sheets include satellite laser altimetry to detect surface-elevation changes, surface-based control volume methods to determine net ice flux in a region, and ice-shelf melting and iceberg calving to determine mass loss from the ice sheet. Using these techniques, it is difficult to tell whether the ice sheet is gaining or losing mass. Methods that use drainage basin inputs/outputs indicate a net mass increase, whereas methods that emphasize oceanographic estimates of ice-shelf melting suggest a net mass decrease and estimates based on satellite altimetry are equivocal.

  19. Financial Planners: Educating Widows in Personal Financial Planning

    Science.gov (United States)

    Korb, Brian R.

    2010-01-01

    Widows constitute a growing segment of the U.S. population; however, very little has been done to educate them on the basics of personal financial planning. The creation and implementation of financial planning education programs for widows can help them become more financially literate and free them from anxiety and fear. Interviews with eight…

  20. Scientific Highlights from ROMIC

    Science.gov (United States)

    Lübken, Franz-Josef

    2017-04-01

    The German Federal Ministry of Education and Research (Bundesministerium für Bildung und Forschung, BMBF) has launched a research initiative in 2013/2014 called ROMIC (Role of the Middle Atmosphere in Climate). The aim of ROMIC is to improve our understanding of long term variations in the stratosphere, mesosphere, and lower thermosphere and to investigate their potential role for climate changes in the troposphere. This includes to study coupling mechanisms between various layers and the relative importance of anthropogenic and natural forcing, e. g., by the Sun. Scientists at a total of 15 research institutes in Germany are involved and cover a large range of experimental and theoretical topics relevant for ROMIC. Some scientific highlights from the research projects within ROMIC will be presented.

  1. PSI scientific highlights 2012

    Energy Technology Data Exchange (ETDEWEB)

    Piwnicki, P.; Dury, T. (eds.)

    2013-05-15

    This comprehensive report issued by the Paul Scherrer Institute (PSI) reviews research in various areas carried out by the institute in 2012. Also, the various facilities to be found at the institute are described. Research focus and highlights are discussed. These include work done using synchrotron light, neutrons and muons as well as work done in the particle physics, microtechnology and nanotechnology areas. Further areas of research include biomolecular research, radiopharmacy, radiochemistry and environmental chemistry. Other areas covered include general energy research and work done at the Competence Center for Energy and Mobility CCEM, work done on nuclear energy safety as well as systems analysis in the environmental and energy areas. The report is concluded with facts and figures on the PSI, its Advisory Board and its organisational structures.

  2. PSI scientific highlights 2011

    Energy Technology Data Exchange (ETDEWEB)

    Piwnicki, P. (ed.)

    2012-04-15

    This comprehensive report for the Swiss Federal Office of Energy (SFOE) presents the major highlights of the work done at the Paul Scherrer Institute, Switzerland, in 2011. According to the institute's director, work was concerned with the design and analysis of advanced materials with new functionalities, for application in fields as diverse as communications and energy technology, transportation, construction and medicine. Of particular topical interest are research projects on materials for application in the field of energy, for example for improving batteries for future electrically powered vehicles. Another example is in the field of catalysts. Environmentally harmful compounds, such as nitrogen oxide and sulphur dioxide produced in an engine, are transformed into nontoxic gases through catalytic conversion. Work progress on the SwissFEL installation is noted, including a breakthrough for SwissFEL main Linac C-band accelerating systems. Further topics in relation to the SwissFEL system are noted. Planning of the initial set of experimental stations at the SwissFEL is discussed and close collaboration with growing number of user communities is noted. Cross-Correlation Scattering, and a theoretical framework for this method is being developed and experimentally verified, using artificial nanostructures and synchrotron radiation. Highlights of further research work are discussed, including topics such as Synchrotron light, work done on neutrons and muons, particle physics, micro and nanotechnology as well as on biomolecular research and radiopharmacy. Large research facilities are discussed as is the PSI proton therapy installation. General energy topics are looked at, as are nuclear energy and safety aspects and environmental and energy systems analysis. Various further work includes factors causing glacier retreat and aerosols. User facilities are listed, including accelerators, the SLS light source, the SINQ neutron source, the UCN ultra-cold neutron

  3. Integration of Professional Certification Examinations with the Financial Planning Curriculum: Increasing Efficiency, Motivation, and Professional Success

    Science.gov (United States)

    Goetz, Joseph W.; Zhu, Dandan; Hampton, Vickie L.; Chatterjee, Swarn; Salter, John

    2011-01-01

    This article provides a theoretical-based rationale and plan of action for educational programs to encourage and create opportunities for the integration of course study with professional exam preparation, while highlighting the complementary benefits for students, academic programs, and the financial services profession. Serving primarily as a…

  4. DietBet: A Web-Based Program that Uses Social Gaming and Financial Incentives to Promote Weight Loss

    Science.gov (United States)

    Rosen, Jamie

    2014-01-01

    Background Web-based commercial weight loss programs are increasing in popularity. Despite their significant public health potential, there is limited research on the effectiveness of such programs. Objective The objective of our study was to examine weight losses produced by DietBet and explore whether baseline and engagement variables predict weight outcomes. Methods DietBet is a social gaming website that uses financial incentives and social influence to promote weight loss. Players bet money and join a game. All players have 4 weeks to lose 4% of their initial body weight. At enrollment, players can choose to share their participation on Facebook. During the game, players interact with one another and report their weight loss on the DietBet platform. At week 4, all players within each game who lose at least 4% of initial body weight are declared winners and split the pool of money bet at the start of the game. Official weigh-in procedures are used to verify weights at the start of the game and at the end. Results From December 2012 to July 2013, 39,387 players (84.04% female, 33,101/39,387; mean weight 87.8kg, SD 22.6kg) competed in 1934 games. The average amount bet was US $27 (SD US $22). A total of 65.63% (25,849/39,387) provided a verified weight at the end of the 4-week competition. The average intention-to-treat weight loss was 2.6% (SD 2.3%). Winners (n=17,171) won an average of US $59 (SD US $35) and lost 4.9% (SD 1.0%) of initial body weight, with 30.68% (5268/17,171) losing 5% or more of their initial weight. Betting more money at game entry, sharing on Facebook, completing more weigh-ins, and having more social interactions during the game predicted greater weight loss and greater likelihood of winning (Psweight loss clustered within games (Pweight outcomes. Conclusions DietBet, a social gaming website, reached nearly 40,000 individuals in just 7 months and produced excellent 4-week weight loss results. Given its reach and potential public health

  5. DietBet: A Web-Based Program that Uses Social Gaming and Financial Incentives to Promote Weight Loss.

    Science.gov (United States)

    Leahey, Tricia; Rosen, Jamie

    2014-02-07

    Web-based commercial weight loss programs are increasing in popularity. Despite their significant public health potential, there is limited research on the effectiveness of such programs. The objective of our study was to examine weight losses produced by DietBet and explore whether baseline and engagement variables predict weight outcomes. DietBet is a social gaming website that uses financial incentives and social influence to promote weight loss. Players bet money and join a game. All players have 4 weeks to lose 4% of their initial body weight. At enrollment, players can choose to share their participation on Facebook. During the game, players interact with one another and report their weight loss on the DietBet platform. At week 4, all players within each game who lose at least 4% of initial body weight are declared winners and split the pool of money bet at the start of the game. Official weigh-in procedures are used to verify weights at the start of the game and at the end. From December 2012 to July 2013, 39,387 players (84.04% female, 33,101/39,387; mean weight 87.8kg, SD 22.6kg) competed in 1934 games. The average amount bet was US $27 (SD US $22). A total of 65.63% (25,849/39,387) provided a verified weight at the end of the 4-week competition. The average intention-to-treat weight loss was 2.6% (SD 2.3%). Winners (n=17,171) won an average of US $59 (SD US $35) and lost 4.9% (SD 1.0%) of initial body weight, with 30.68% (5268/17,171) losing 5% or more of their initial weight. Betting more money at game entry, sharing on Facebook, completing more weigh-ins, and having more social interactions during the game predicted greater weight loss and greater likelihood of winning (Ps<.001). In addition, weight loss clustered within games (P<.001), suggesting that players influenced each others' weight outcomes. DietBet, a social gaming website, reached nearly 40,000 individuals in just 7 months and produced excellent 4-week weight loss results. Given its reach and

  6. Statewide program to promote institutional delivery in Gujarat, India: who participates and the degree of financial subsidy provided by the Chiranjeevi Yojana program.

    Science.gov (United States)

    Sidney, Kristi; Iyer, Veena; Vora, Kranti; Mavalankar, Dileep; De Costa, Ayesha

    2016-01-27

    The Chiranjeevi Yojana (CY) is a large public-private partnership program in Gujarat, India, under which the state pays private sector obstetricians to provide childbirth services to poor and tribal women. The CY was initiated statewide in 2007 because of the limited ability of the public health sector to provide emergency obstetric care and high out-of-pocket expenditures in the private sector (where most qualified obstetricians work), creating financial access barriers for poor women. Despite a million beneficiaries, there have been few reports studying CY, particularly the proportion of vulnerable women being covered, the expenditures they incur in connection with childbirth, and the level of subsidy provided to beneficiaries by the program. Cross-sectional facility based the survey of participants in three districts of Gujarat in 2012-2013. Women were interviewed to elicit sociodemographic characteristics, out-of-pocket expenditures, and CY program details. Descriptive statistics, chi square, and a multivariable logistic regression were performed. Of the 901 women surveyed in 129 facilities, 150 (16 %) were CY beneficiaries; 336 and 415 delivered in government and private facilities, respectively. Only 36 (24 %) of the 150 CY beneficiaries received a completely cashless delivery. Median out-of-pocket for vaginal/cesarean delivery among CY beneficiaries was $7/$71. The median degree of subsidy for women in CY who delivered vaginally/cesarean was 85/71 % compared to out-of-pocket expenditure of $44/$208 for vaginal/cesarean delivery paid by non-program beneficiaries in the private health sector. CY beneficiaries experienced a substantially subsidized childbirth compared to women who delivered in non-accredited private facilities. However, despite the government's efforts at increasing access to delivery services for poor women in the private sector, uptake was low and very few women experienced a cashless delivery. While the long-term focus remains on

  7. Financial Education

    Directory of Open Access Journals (Sweden)

    Udo Reifner

    2010-08-01

    Full Text Available New, more or better financial education and financial literacy programmes should lead to improved financial capability, knowledge and outcomes. Yet we do not even know which terminology is most suitable for those projects who all intend to give an answer to a question which is less than clear. What is meant by the term “financial education”? Why did the “demand” for financial education suddenly increase? Have the numerous tasks which consumers in a modern society have to fulfill created this new field for financial education? Are their specific needs of financial markets which need adapted consumers as competent players? Or has the general level of education fallen? Would more ignorance on financial products perhaps increase the likelihood of these markets to care more about consumers? Do we truly need financial education at all and if so, as this article argues, what kind of financial education would respond to it? Based on five years of empirical research, on existing papers and curriculars for financial education and another five years of our own experiences with practical financial education in schools and with clients of debt advice agencies we would like to promote financial education as a form of consumer protection where consumers are seen collectively as the true masters of the economy.

  8. RESEARCH HIGHLIGHTS IN IAS

    Directory of Open Access Journals (Sweden)

    Marko Kreft

    2017-03-01

    Full Text Available We are reviewing and commenting highlights of the research published in Image Analysis and Stereology journal (IAS, volume 35, where 16 original research papers on image analysis, computer vision, modelling, and other approaches were published. We have reported on the precision of curve length estimation in the plane. Further, a focus was on a robust estimation technique for 3D point cloud registration. Next contribution in computer vision was on the accuracy of stereo matching algorithm based on illumination control. An attempt was also made to automatically diagnose prenatal cleft lip with representative key points and identify the type of defect in three-dimensional ultrasonography. Similarly, a new report is presenting estimation of torsion of digital curves in 3D images and next, the nuchal translucency by ultrasound is being analyzed. Also in ophthalmology, image analysis may help physicians to establish a correct diagnosis, which is supported by a new approach to measure tortuosity of retinal vessel. Another report of medical significance analyzed correlation of the shape parameters for characterization of images of corneal endothelium cells. Shape analysis is also an important topic in material science, e.g. in analyzing fine aggregates in concrete. As in concrete, in fiber reinforced composites image analysis may aid in improved quality, where the direction of fibers have decisive impact on properties. Automatic defect detection using a computer vision system improves productivity quality in industrial production, hence we report of a new Haar wavelet-based approach.

  9. Financial Management: Implementation of the Data Quality Management Control Program for the Military Health System (D-2002-141)

    National Research Council Canada - National Science Library

    2002-01-01

    DoD health care managers should read this report. Military health care data is used for a variety of critical purposes, including managing patient care, determining the optimal health care system, and for financial management...

  10. A paperless course on structural engineering programming: investing in educational technology in the times of the Greek financial recession

    Science.gov (United States)

    Sextos, Anastasios G.

    2014-01-01

    This paper presents the structure of an undergraduate course entitled 'programming techniques and the use of specialised software in structural engineering' which is offered to the fifth (final) year students of the Civil Engineering Department of Aristotle University Thessaloniki in Greece. The aim of this course is to demonstrate the use of new information technologies in the field of structural engineering and to teach modern programming and finite element simulation techniques that the students can in turn apply in both research and everyday design of structures. The course also focuses on the physical interpretation of structural engineering problems, in a way that the students become familiar with the concept of computational tools without losing perspective from the engineering problem studied. For this purpose, a wide variety of structural engineering problems are studied in class, involving structural statics, dynamics, earthquake engineering, design of reinforced concrete and steel structures as well as data and information management. The main novelty of the course is that it is taught and examined solely in the computer laboratory ensuring that each student can accomplish the prescribed 'hands-on' training on a dedicated computer, strictly on a 1:1 student over hardware ratio. Significant effort has also been put so that modern educational techniques and tools are utilised to offer the course in an essentially paperless mode. This involves electronic educational material, video tutorials, student information in real time and exams given and assessed electronically through an ad hoc developed, personalised, electronic system. The positive feedback received from the students reveals that the concept of a paperless course is not only applicable in real academic conditions but is also a promising approach that significantly increases student productivity and engagement. The question, however, is whether such an investment in educational technology is indeed

  11. Financial statements

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

    2017-06-21

    Jun 21, 2017 ... This Management's Discussion and Analysis (MD&A) provides a narrative discussion of the financial results and operational changes for the financial year ended on. 31 March 2017. This discussion should be read with the. Financial Statements and accompanying notes provided on pages 51 to 67, which ...

  12. ESO Highlights in 2008

    Science.gov (United States)

    2009-01-01

    As is now the tradition, the European Southern Observatory looks back at the exciting moments of last year. 2008 was in several aspects an exceptionally good year. Over the year, ESO's telescopes provided data for more than 700 scientific publications in refereed journals, making ESO the most productive ground-based observatory in the world. ESO PR Highlights 2008 ESO PR Photo 01a/09 The image above is a clickable map. These are only some of the press releases issued by ESO in 2008. For a full listing, please go to ESO 2008 page. Austria signed the agreement to join the other 13 ESO member states (ESO 11/08 and 20/08), while the year marked the 10th anniversary of first light for ESO's "perfect science machine", the Very Large Telescope (ESO 16/08 and 17/08). The ALMA project, for which ESO is the European partner, had a major milestone in December, as the observatory was equipped with its first antenna (ESO 49/08). Also the Atacama Pathfinder Experiment (APEX) telescope impressed this year with some very impressive and publicly visible results. Highlights came in many fields: Astronomers for instance used the Very Large Telescope (VLT) to discover and image a probable giant planet long sought around the star Beta Pictoris (ESO 42/08). This is now the eighth extrasolar planet to have been imaged since the VLT imaged the first extrasolar planet in 2004 (three of eight were imaged with VLT). The VLT also enabled three students to confirm the nature of a unique planet (ESO 45/08). This extraordinary find, which turned up during their research project, is a planet about five times as massive as Jupiter. This is the first planet discovered orbiting a fast-rotating hot star. The world's foremost planet-hunting instrument, HARPS, located at ESO's La Silla observatory, scored a new first, finding a system of three super-Earths around a star (ESO 19/08). Based on the complete HARPS sample, astronomers now think that one Sun-like star out of three harbours short orbit, low

  13. Financial Education

    OpenAIRE

    Udo Reifner; Anne Schelhowe

    2010-01-01

    New, more or better financial education and financial literacy programmes should lead to improved financial capability, knowledge and outcomes. Yet we do not even know which terminology is most suitable for those projects who all intend to give an answer to a question which is less than clear. What is meant by the term “financial education”? Why did the “demand” for financial education suddenly increase? Have the numerous tasks which consumers in a modern society have to fulfill created this ...

  14. Financial Literacy and Financial Behaviour

    NARCIS (Netherlands)

    Sayinzoga, Aussi; Bulte, Erwin H.; Lensink, Robert

    2016-01-01

    We organise a field experiment with smallholder farmers in Rwanda to measure the impact of financial literacy training on financial knowledge and behaviour. The training increased financial literacy of participants, changed their savings and borrowing behaviour and had a positive effect on the

  15. Laser programs highlights, July--August 1990

    Energy Technology Data Exchange (ETDEWEB)

    1990-01-01

    Laser research at LLNL is divided into five major programmatic areas: inertial confinement fusion (ICF), uranium atomic vapor laser isotope separation (U-AVLIS), special (plutonium) isotope separation (SIS), laser technology, and advanced applications. We have made important progress this past year in each of these areas. This report covers the current state of these 5 areas.

  16. Highlights from RHIC Spin Physics Program

    CERN Document Server

    Liu, Ming X

    2011-01-01

    The Relativistic Heavy Ion Collider (RHIC) at Brookhaven National Laboratory delivers the world's highest energy polarized proton-proton collisions at a center of mass energy up to 500 GeV and provides a unique opportunity to study the quark and gluon spin structure of the proton and QCD dynamics at high energy scale. RHIC has produced many exiting physics results in recent years. The latest data from RHIC significantly constrain the gluon spin contribution to the proton spin, and the parity violating single spin asymmetry are observed for the first time in W production by both the PHENIX and STAR collaborations. In this report, I present the latest results from the PHENIX and STAR experiments, followed by a brief discussion of the future prospects of transverse physics, particularly on the importance of the unique measurements of Drell-Yan single spin asymmetry.

  17. Teaching OOP with Financial Literacy

    Science.gov (United States)

    Zhu, Hongwei

    2011-01-01

    Students lose interest in learning programming when the materials are not related to their lives. A challenge facing most students is that they lack the financial literacy necessary to manage their debts. An approach is developed to integrate financial literacy into an object-oriented programming (OOP) course. The approach is effective in…

  18. 7 CFR 3016.61 - Financial reporting.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Financial reporting. 3016.61 Section 3016.61... AND LOCAL GOVERNMENTS Entitlement § 3016.61 Financial reporting. The financial reporting provisions... Food Distribution Program on Indian Reservations. The financial reporting requirements for these...

  19. Financial arbitrator

    OpenAIRE

    Jendrulková, Anna

    2014-01-01

    Financial Arbitrator The legislative introduction of the institute of Financial Arbitrator as the relevant authority for settling out-of-court disputes into Czech law is a relatively new phenomenon, and is related to the interests of consumer protection within the European Union. In particular, the interests of the European Union in this area are to reinforce consumer confidence in the financial market. Given the fact that the majority of consumer disputes are so-called petty disputes, and re...

  20. 31 CFR 103.120 - Anti-money laundering program requirements for financial institutions regulated by a Federal...

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Anti-money laundering program... Laundering Programs Anti-Money Laundering Programs § 103.120 Anti-money laundering program requirements for... anti-money laundering program that complies with the requirements of §§ 103.176 and 103.178 and the...

  1. Financial benchmarking

    OpenAIRE

    Palanevich, Yana

    2014-01-01

    This bachelor thesis is focused on financial benchmarking of KBJ VELKOOBCHODY s.r.o. The aim of this study is to evaluate the financial situation of the company and to compare the results within the same field and with the best companies in this branch as well as direct competitors. The purpose is to gain an overview of the financial health of the company and also the relevation of strengths and weaknesses through Benchmarking diagnostic system of financial indicators INFA. The theoretical pa...

  2. Financial mathematics

    CERN Document Server

    Jothi, A Lenin

    2009-01-01

    Financial services, particularly banking and insurance services is the prominent sector for the development of a nation. After the liberalisation of financial sector in India, the scope of getting career opportunities has been widened. It is heartening to note that various universities in India have introduced professional courses on banking and insurance. A new field of applied mathematics has come into prominence under the name of Financial Mathematics. Financial mathematics has attained much importance in the recent years because of the role played by mathematical concepts in decision - m

  3. Genesis of enterprise financial security

    Directory of Open Access Journals (Sweden)

    Davydenko N. M.

    2015-05-01

    Full Text Available The article analyzes the scientific approaches to the definition of «financial security of entities», advantages and disadvantages of these approaches are highlighted. The own definition of financial security of entities is given. The composition of elements of enterprise financial security and principles of its provision are defined. Тhe role of individual elements of financial security to ensure high efficiency operation and development of enterprises is significant and has a direct impact on their solvency, liquidity and profitability.

  4. A Survey of State and Local PV Program Response to Financial Innovation and Disparate Federal Tax Treatment in the Residential PV Sector

    Energy Technology Data Exchange (ETDEWEB)

    Bolinger, Mark [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Holt, Edward [Ed Holt & Associates, Inc., Harpswell, ME (United States)

    2015-06-01

    High up-front costs and a lack of financing options have historically been the primary barriers to the adoption of photovoltaics (PV) in the residential sector. State clean energy funds, which emerged in a number of states from the restructuring of the electricity industry in the mid-to-late 1990s, have for many years attempted to overcome these barriers through PV rebate and, in some cases, loan programs. While these programs (rebate programs in particular) have been popular, the residential PV market in the United States only started to achieve significant scale in the last five years – driven in large part by an initial wave of financial innovation that led to the rise of third-party ownership.

  5. Globalization and its Effects on Financial Markets

    OpenAIRE

    Sorin Claudiu RADU

    2012-01-01

    This paper addresses aspects of globalization, a process which has become a symbol of the present days and an important factor of change for international financial markets. The paper highlights the main economic benefits and risks of financial globalization, its impact on financial markets and the premises for the extent of the economic crisis.

  6. EPIVAC International Conference on Financial Sustainability of Immunization Programs in sub-Saharan Africa, February 16-18, 2012, Ouidah, Benin.

    Science.gov (United States)

    Drach, Marcel; Le Gargasson, Jean-Bernard; Mathonnat, Jacky; Da Silva, Alfred; Kaddar, Miloud; Colombini, Anaïs

    2013-09-23

    The introduction of new vaccines with much higher prices than traditional vaccines results in increasing budgetary pressure on immunization programs in GAVI-eligible countries, increasing the need to ensure their financial sustainability. In this context, the third EPIVAC (Epidemiology and Vaccinology) technical conference was held from February 16 to 18, 2012 at the Regional Institute of Public Health in Ouidah, Benin. Managers of ministries of health and finance from 11 West African countries (GAVI eligible countries), as well as former EPIVAC students and European experts, shared their knowledge and best practices on immunization financing at district and country level. The conference concluded by stressing five major priorities for the financial sustainability of national immunization programs (NIPs) in GAVI-eligible countries. - Strengthen public financing by increasing resources and fiscal space, improving budget processes, increasing contribution of local governments and strengthen efficiency of budget spending. - Promote equitable community financing which was recognized as a significant and essential contribution to the continuity of EPI operations. - Widen private funding by exploring prospects offered by sponsorship through foundations dedicated to immunization and by corporate social responsibility programs. - Contain the potential crowding-out effect of GAVI co-financing and ensure that decisions on new vaccine introductions are evidence-based. - Seek out innovative financing mechanisms such as taxes on food products or a national solidarity fund. Copyright © 2013. Published by Elsevier Ltd.. All rights reserved.

  7. Nigeria; Publication of Financial Sector Assessment Program Documentation––Technical Note of Banking Cross-Border Issues

    OpenAIRE

    International Monetary Fund

    2013-01-01

    The global financial crisis provided Nigerian banks with opportunities to expand within Sub-Saharan Africa. Nigerian banks have active cross-border liquidity flows, which may complicate the operation of monetary policy. The Central Bank of Nigeria (CBN) should enhance further its work in improving cross-border supervision, including home-host coordination and cooperation. The CBN may also consider taking initiative in establishing a regional coordination group similar to the Vienna Initiative...

  8. Veblen, Bataille and Financial Innovation

    DEFF Research Database (Denmark)

    Gammon, Earl; Wigan, Duncan

    2015-01-01

    of financial innovation premised on pecuniary expedients and aspirations of market completion. As we argue, in a broader affective economy, contemporary financial innovation serves invidious ends, providing a means of attaining social distinction, constituting a medium for violent expenditure and bestowing...... access to sovereign expression on its purveyors. Highlighting the non-rational dimension of financial markets prompts a reconsideration of the nature of crisis and the means of its redress.......This article advances towards the reconceptualization of financial innovation. It examines the calamitous role of financial innovation in the global financial crisis, developing a non-rational theorization of finance within the social economy that factors in the role of affect. Outlining...

  9. Financial Literacy, Financial Education, and Economic Outcomes

    Science.gov (United States)

    Hastings, Justine S.; Madrian, Brigitte C.; Skimmyhorn, William L.

    2013-01-01

    In this article, we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the…

  10. Financial Liberalization and Financial Development in Nepal

    OpenAIRE

    Khem Raj Bhetuwal Ph. D.

    2007-01-01

    An efficient financial system can effectively mobilize and allocate resources leading to robust economic growth. Financial liberalization improves the functioning of financial system by increasing the availability of funds and allowing risk diversification and increased investment. The indices of financial liberalization and financial development, generated by the principal component analysis, depict a gradual process of financial liberalization and a continuous financial sector development. ...

  11. Measuring financial performance: an overview of financial statements.

    Science.gov (United States)

    Dalsted, N L

    1995-07-01

    Financial management has emerged as a critical component in the long-term viability of today's ranches and farms. Proper and timely financial reporting and analysis of financial statements are valuable tools that agricultural producers can use to monitor, coordinate, and plan their operational production and marketing schemes and strategies. A side note to preparation of financial statements. With the concerns over lender liability issues associated with statements either assisted with or prepared by a lending officer, agricultural producers will be responsible for preparing their own statements. The lending institutions may prepare their own statements in their assessment of the financial condition of a business and or individual, but, ultimately, the responsibility of financial statements is the borrower's. Some of the material presented in this article provides important input for use in such analytical programs as the National Cattlemen's Association, Integrated Resource Committees, and Standard Performance Analysis (SPA). SPA techniques and associated software have been or currently are under development for cow-calf, stocker, seedstock, and sheep enterprises. Critical to the analysis is having complete and correct financial statements. These analytical programs build on the financial statements. These analytical programs build on the financial statements as recommended by the FFSTF. Proper financial reporting is critical not only to a SPA assessment but also to the overall financial management of today's farms and ranches. Recognizing the importance of financial management in production agriculture is not enough, taking a proactive stance in one's financial plan is paramount to success. Failure to do so will only enhance the exit rates of producers from production agriculture.

  12. 7 CFR 247.27 - Financial management.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 4 2010-01-01 2010-01-01 false Financial management. 247.27 Section 247.27... AGRICULTURE CHILD NUTRITION PROGRAMS COMMODITY SUPPLEMENTAL FOOD PROGRAM § 247.27 Financial management. (a) What are the Federal requirements for State and local agencies with regard to financial management...

  13. Medicare Program; Medicare Shared Savings Program; Accountable Care Organizations--Revised Benchmark Rebasing Methodology, Facilitating Transition to Performance-Based Risk, and Administrative Finality of Financial Calculations. Final rule.

    Science.gov (United States)

    2016-06-10

    Under the Medicare Shared Savings Program (Shared Savings Program), providers of services and suppliers that participate in an Accountable Care Organization (ACO) continue to receive traditional Medicare fee-for-service (FFS) payments under Parts A and B, but the ACO may be eligible to receive a shared savings payment if it meets specified quality and savings requirements. This final rule addresses changes to the Shared Savings Program, including: Modifications to the program's benchmarking methodology, when resetting (rebasing) the ACO's benchmark for a second or subsequent agreement period, to encourage ACOs' continued investment in care coordination and quality improvement; an alternative participation option to encourage ACOs to enter performance-based risk arrangements earlier in their participation under the program; and policies for reopening of payment determinations to make corrections after financial calculations have been performed and ACO shared savings and shared losses for a performance year have been determined.

  14. Financial Stress, Financial Literacy, Counselling and the Risk of Homelessness

    Directory of Open Access Journals (Sweden)

    Adam Steen

    2013-09-01

    Full Text Available Poor financial literacy may lead to poor life choices. These life choices can create or contribute to financial stress with adverse consequences - not the least of which may be homelessness. These issues are relatively well understood, but there is limited research on the link between financial stress, financial literacy and counselling, and homelessness. Specifically, there has been little research on how improved financial literacy and appropriate financial counselling might help to prevent homelessness. This paper synthesises existing literature on this topic and considers these issues using the ABCX family stress model of Hill (1958 using data from an Australian program aimed at alleviating family homelessness, the Home Advice Program. We provide evidence that suggests that case management and support which incorporates financial counselling and financial literacy can assist in moderating the impact of financial stress and help those at risk of homelessness. The findings have implications for public policy in the areas of financial education, consumer finance, and social services provision.

  15. Evaluating the efficacy of mass media and social marketing campaigns in changing consumer financial behavior

    OpenAIRE

    Mulaj, Florentina; Jack, William

    2012-01-01

    Mass media and social marketing programs are cheap, scalable, and potentially effective means of influencing consumers' financial behavior and decisions. In light of this potential, and in order to provide clear policy direction, this paper provides an overview of the existing and ongoing research efforts in this domain, and highlights the importance of expanding the evidence base by condu...

  16. Functional High Performance Financial IT

    DEFF Research Database (Denmark)

    Berthold, Jost; Filinski, Andrzej; Henglein, Fritz

    2011-01-01

    auditability of financial institutions, including their software systems. To top it off, increased product variety and customisation necessitates shorter software development cycles and higher development productivity. In this paper, we report about HIPERFIT, a recently etablished strategic research center...... at the University of Copenhagen that attacks this triple challenge of increased performance, transparency and productivity in the financial sector by a novel integration of financial mathematics, domain-specific language technology, parallel functional programming, and emerging massively parallel hardware. HIPERFIT...

  17. FINANCIAL SUPPORT OF ENVIRONMENTAL PROGRAMS: PRACTICE OF IMPLEMENTATION IN THE REGION AND POSSIBILITIES OF ITS STUDY IN THE PROCESS OF PROFESSIONAL ENVIRONMENTAL TRAINING

    Directory of Open Access Journals (Sweden)

    A. V. Kozachek

    2015-01-01

    Full Text Available Aim. The aim is to consider the structure and practice of funding environmental projects, its implementation in the region as well as the prospects for studying the characteristics of financial support for environmental programs in the course of vocational environmental training in regional universities.Methodology. We propose the method of quantitative research for statistical documents and the method of qualitative analysis that can be used to clarify the structure of environmental financing in the regions.Results. We identified the basic quantitative parameters and made a structure of financing the regional environmental programs. The analysis showed that this structure includes the federal budget, the budget of the Russian Federation, local budgets, extra-budgetary sources. Thus, the example of the Tambov region illustrates that the main financial burden is on the enterprises, and local governments involved in such financing make up the minority. It is proved that the study of the peculiarities of financing the regional environmental programs is important for students of different specialties. We propose a list of didactic units and issues to be included in the content of professional environmental training.Main conclusions. We recommend using the structure of funding the regional ecological projects analyzed on the example of the Tambov region for other regions of Russia as well. At the same time, putting into practice the basic principles of sustainable development, it is necessary to ensure the inclusion of the study of the characteristics and structure of the financing regional environmental programs as didactic units in the process of professional environmental training.

  18. South-central Alaska forests: inventory highlights.

    Science.gov (United States)

    Sally Campbell; Willem W.S. van Hees; Bert. Mead

    2005-01-01

    This publication presents highlights of a recent south-central Alaska inventory conducted by the Pacific Northwest Research Station Forest Inventory and Analysis Program (USDA Forest Service). South-central Alaska has about 18.5 million acres, of which one-fifth (4 million acres) is forested. Species diversity is greatest in closed and open Sitka spruce forests, spruce...

  19. Democratic vs. efficiency: how to achieve balance in times of financial crisis

    National Research Council Canada - National Science Library

    Miguel Angelo Vilela Rodrigues

    2017-01-01

    .... Nevertheless, administrative reform, motivated by financial stress, tends to highlight the importance of financial performance whilst overlooking the democratic and political aspects of public management...

  20. Financial exposure and the international transmission of financial shocks

    OpenAIRE

    Gunes Kamber; Christoph Thoenissen

    2013-01-01

    This paper analyzes the transmission mechanism of banking sector shocks in an international real business cycle model with heterogeneous bank sizes. We examine to what extent the financial exposure of the banking sector affects the transmission of foreign banking sector shocks. In our model, the more exposed domestic banks are to the foreign economy via lending to foreign firms, the greater are the spillovers from foreign financial shocks to the home economy. The model highlights the role of ...

  1. Financial Literacy and Financial Sophistication in the Older Population

    Science.gov (United States)

    Lusardi, Annamaria; Mitchell, Olivia S.; Curto, Vilsa

    2017-01-01

    Using a special-purpose module implemented in the Health and Retirement Study, we evaluate financial sophistication in the American population over the age of 50. We combine several financial literacy questions into an overall index to highlight which questions best capture financial sophistication and examine the sensitivity of financial literacy responses to framing effects. Results show that many older respondents are not financially sophisticated: they fail to grasp essential aspects of risk diversification, asset valuation, portfolio choice, and investment fees. Subgroups with notable deficits include women, the least educated, non-Whites, and those over age 75. In view of the fact that retirees increasingly must take on responsibility for their own retirement security, such meager levels of knowledge have potentially serious and negative implications. PMID:28553191

  2. Quarterly Financial Report for the period ending 31 December 2017

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

    Office 2004 Test Drive User

    2017-12-31

    Dec 31, 2017 ... QUARTERLY FINANCIAL REPORT FOR THE PERIOD 1 APRIL TO 31 DECEMBER 2017 | 1. Contents. Introduction to the Quarterly Financial Report. 3. Management's Discussion and Analysis. 5. Financial highlights. 5. Management highlights. 5. Corporate developments. 5. Risk management. 6.

  3. Highlighting Impact and the Impact of Highlighting: PRB Editors' Suggestions

    OpenAIRE

    Antonoyiannakis, Manolis

    2016-01-01

    Associate Editor Manolis Antonoyiannakis discusses the highlighting, as Editors' Suggestions, of a small percentage of the papers published each week. We highlight papers primarily for their importance and impact in their respective fields, or because we find them particularly interesting or elegant. It turns out that the additional layer of scrutiny involved in the selection of papers as Editors' Suggestions is associated with a significantly elevated and sustained citation impact.

  4. Clinical Informatics Fellowship Programs: In Search of a Viable Financial Model: An open letter to the Centers for Medicare and Medicaid Services.

    Science.gov (United States)

    Lehmann, C U; Longhurst, C A; Hersh, W; Mohan, V; Levy, B P; Embi, P J; Finnell, J T; Turner, A M; Martin, R; Williamson, J; Munger, B

    2015-01-01

    In the US, the new subspecialty of Clinical Informatics focuses on systems-level improvements in care delivery through the use of health information technology (HIT), data analytics, clinical decision support, data visualization and related tools. Clinical informatics is one of the first subspecialties in medicine open to physicians trained in any primary specialty. Clinical Informatics benefits patients and payers such as Medicare and Medicaid through its potential to reduce errors, increase safety, reduce costs, and improve care coordination and efficiency. Even though Clinical Informatics benefits patients and payers, because GME funding from the Centers for Medicare and Medicaid Services (CMS) has not grown at the same rate as training programs, the majority of the cost of training new Clinical Informaticians is currently paid by academic health science centers, which is unsustainable. To maintain the value of HIT investments by the government and health care organizations, we must train sufficient leaders in Clinical Informatics. In the best interest of patients, payers, and the US society, it is therefore critical to find viable financial models for Clinical Informatics fellowship programs. To support the development of adequate training programs in Clinical Informatics, we request that the Centers for Medicare and Medicaid Services (CMS) issue clarifying guidance that would allow accredited ACGME institutions to bill for clinical services delivered by fellows at the fellowship program site within their primary specialty.

  5. Isotope production and distribution Programs Fiscal Year (FY) 1995 Financial Statement Audit (ER-FC-96-01)

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1996-02-12

    The charter of the Department of Energy (DOE) Isotope Production and Distribution Program (Isotope Program) covers the production and sale of radioactive and stable isotopes, associated byproducts, surplus materials such as lithium and deuterium, and related isotope services. Services provided include, but are not limited to, irradiation services, target preparation and processing, source encapsulation and other special preparations, analyses, chemical separations, and leasing of stable isotopes for research purposes. Isotope Program products and services are sold worldwide for use in a wide variety of research, development, biomedical, and industrial applications. The Isotope Program reports to the Director of the Office of Nuclear Energy, Science and Technology. The Isotope Program operates under a revolving fund, as established by the Fiscal Year 1990 Energy and Water Appropriations Act (Public Law 101-101). The Fiscal Year 1995 Appropriations Act (Public Law 103-316) modified predecessor acts to allow prices charged for Isotope Program products and services to be based on production costs, market value, the needs of the research community, and other factors. Prices set for small-volume, high-cost isotopes that are needed for research may not achieve full-cost recovery. Isotope Program costs are financed by revenues from the sale of isotopes and associated services and through payments from the isotope support decision unit, which was established in the DOE fiscal year 1995 Energy, Supply, Research, and Development appropriation. The isotope decision unit finances the production and processing of unprofitable isotopes that are vital to the national interest.

  6. India emerging: New financial architecture

    Directory of Open Access Journals (Sweden)

    Sankarshan Basu

    2016-09-01

    Full Text Available The global financial crisis of 2007–2008 highlighted the need to re-evaluate several well established tenets in the world of finance. Questions have been raised the world over about the existing paradigm, leading to an acceptance that new financial architecture needed to be evolved and that new models need to emerge, keeping in mind the multiplicity of socio-economic realities that exist round the globe. In this context, the imperative for a new financial architecture in India is quite evident, and the ensuing panel discussion throws up some India-specific issues that need to be explored by the various stakeholders involved in this attempt.

  7. Lessons Learned From Transitioning PEPFAR Track 1.0 Care and Treatment Programs: Case Studies in Financial Management Capacity Building in Zambia and Botswana.

    Science.gov (United States)

    Kuehn, Chuck; Tidwell, George; Vhugen, Jann; Sharma, Anjali

    2015-01-01

    In 2008, the United States government mandated transition of internationally managed HIV care and treatment programs to local country ownership. Three case studies illustrate the US Health Resources Services Administration's fiscal assessment and technical assistance (TA) processes to strengthen local organizations' capabilities to absorb and manage United States government funding. Review of initial, TA and follow-up reports reveal that the 1 Botswanan and 2 Zambian organizations closed 10 of 17 financial capacity gaps, with Health Resources Services Administration assisting on 2. Zambian organizations requested and absorbed targeted TA on the basis of the consultant's desk review, their finance staff revised fiscal policies and procedures, and accordingly trained other staff. In Botswana, delays in integrating recommendations necessitated on-site TA for knowledge building and role modeling. Organizational maturity may explain differences in responsiveness, ownership, and required TA approaches. Clarifying expectations of capacity building, funding agreement, and nonmonetary donor involvement can help new organizations determine and act on intervening actions.

  8. ESO PR Highlights in 2005

    Science.gov (United States)

    2006-01-01

    very close collaboration with the space mission' scientific team, in what was perhaps the most comprehensive ground-observing campaign of a celestial object. On this occasion, a dedicated Deep Impact at ESO web site was created, reporting on all the developments. This was not the sole contribution of ESO to the study of the solar system . The NACO SDI instrument was used to obtain outstanding images of Titan, the satellite of Saturn ( PHOT 04/05) and NACO also allowed astronomers to discover the first triple asteroid - two small asteroids orbiting a larger one known since 1866 as 87 Sylvia ( PR 21/05). 2005 was also a very important year for sub-millimetric astronomy at ESO. In July, APEX , the 12-m Atacama Pathfinder Experiment's telescope had first light ( PR 18/05) and since then, has been performing regular science observations ( PR 25/05). Moreover, two major contracts have been signed for ALMA , the Atacama Large Millimeter Array project, among which the largest-ever European industrial contract for a ground-based astronomy project ( PR 31/05 and 34/05). ESO's Very Large Telescope (VLT) proves to be a very efficient science machine that reached in April 2005, the count of more than 1000 scientific papers (see ESO PR 11/05) and the trend does not seem to change, as about 350 papers were published in 2005 based on data collected with the VLT. This efficiency was also recognised worldwide as ESO received the ComputerWorld Honors Program 21st Century Achievement Award in the Science Category ( PR 16/05). The interferometric mode of the VLT (VLTI) was able to observe with unprecedented detail the environment of two stars ( PR 29/05). The VLTI has also seen another extension of its already impressive capabilities by combining interferometrically the light from two relocatable 1.8-m Auxiliary Telescopes ( PR 06/05). ESO PR Highlights 2005 In 2005 again, many nice, amazing astronomical images have been obtained with ESO's telescopes: the super star cluster Westerlund 1

  9. Inspector General, DOD, Oversight of the Army Audit Agency Audit of the FY 2000 U.S. Army Corps of Engineers, Civil Works Program, Financial Statements

    National Research Council Canada - National Science Library

    2001-01-01

    .... Office of Management and Budget Bulletin No. 01-02, "Audit Requirements for Federal Financial Statements," dated October 16, 2000, establishes the minimum requirements for audits of these financial statements...

  10. Financial Hardship and Subjective Norms as Predictors of Job ...

    African Journals Online (AJOL)

    ... counsellors and personnel psychologists should develop intervention programmes aimed at helping the unemployed in coping with long-lasting unemployment, social isolation and financial deprivation. Counselling implications were also highlighted. Keywords: financial hardship, subjective norms, job seeking behaviour ...

  11. Financial engineering on the corporate debt securities market of Ukraine

    OpenAIRE

    Bui, T.

    2009-01-01

    The approaches to the definition of financial engineering and its methods are highlighted, advisability of application of the new securities types created on the basis of financial engineering in Ukrainian corporate financing is grounded.

  12. Financial Reporting at the Washington Headquarters Services

    Science.gov (United States)

    2001-03-15

    FINANCIAL REPORTING AT THE WASHINGTON HEADQUARTERS SERVICES Report No. D-2001-081 March 15, 2001...to) ("DD MON YYYY") Title and Subtitle Financial Reporting at the Washington Headquarters Services Contract or Grant Number Program Element Number...underlying financial reporting processes that cause abnormal balances on the trial balances of Other Defense Organizations. An account balance is abnormal

  13. FINANCIAL LITERACY, FINANCIAL EDUCATION AND ECONOMIC OUTCOMES.

    Science.gov (United States)

    Hastings, Justine S; Madrian, Brigitte C; Skimmyhorn, William L

    2013-05-01

    In this article we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature, and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the extent to which a competitive market provides incentives for firms to educate consumers or offer products that facilitate informed choice. We review the literature on alternative policies to improve financial outcomes, and compare the evidence to evidence on the efficacy and cost of financial education. Finally, we discuss directions for future research.

  14. Report: South Carolina Drinking Water State Revolving Fund Program Financial Statements with Independent Auditor’s Report, June 30, 2002

    Science.gov (United States)

    Report #2003-1-00138, September 17, 2003. We have audited the balance sheet of the SCDWSRF Program as of June 30, 2002, the related statement of revenues, expenses, and changes in fund equity, and the statement of cash flows for the year then ended.

  15. A Paperless Course on Structural Engineering Programming: Investing in Educational Technology in the Times of the Greek Financial Recession

    Science.gov (United States)

    Sextos, Anastasios G.

    2014-01-01

    This paper presents the structure of an undergraduate course entitled "programming techniques and the use of specialised software in structural engineering" which is offered to the fifth (final) year students of the Civil Engineering Department of Aristotle University Thessaloniki in Greece. The aim of this course is to demonstrate the…

  16. Financial sector taxation: Financial activities tax or financial transaction tax?

    Directory of Open Access Journals (Sweden)

    Danuše Nerudová

    2011-01-01

    Full Text Available The recent financial crises has revealed the need to improve and ensure the stability of the financial sector to reduce negative externalities, to ensure fair and substantial contribution of the financial sector to the public finances and the need to consolidate public finance. All those needs represent substantial arguments for the discussion about the introduction of financial sector taxation. There are discussed in the paper two possible schemes of financial sector taxation – financial transaction tax and financial activities tax. The aim of the paper is to research the possibility of the introduction of financial sector taxation, to discuss the pros and cons of two major candidates on financial sector taxation – financial transaction tax and financial activities tax and to suggest the possible candidate suitable for the implementation on the EU level. Financial transaction tax represents the tool suitable mainly on global level, for only in that case enables generate sufficient financial resources. From EU point of view is considered as less suitable, for it bears the risk of reallocation. Therefore the introduction of financial activities tax on EU level is considered as a better solution for the financial sector taxation in the EU, for financial sector is exempted from value added tax. With respect to the fact, that the implementation would represent the innovative approach to the financial sector taxation, there are no empirical proves and therefore this could be the subject of further research.

  17. Atmospheric Research 2014 Technical Highlights

    Science.gov (United States)

    Platnick, Steven

    2015-01-01

    Atmospheric research in the Earth Sciences Division (610) consists of research and technology development programs dedicated to advancing knowledge and understanding of the atmosphere and its interaction with the climate of Earth. The Division's goals are to improve understanding of the dynamics and physical properties of precipitation, clouds, and aerosols; atmospheric chemistry, including the role of natural and anthropogenic trace species on the ozone balance in the stratosphere and the troposphere; and radiative properties of Earth's atmosphere and the influence of solar variability on the Earth's climate. Major research activities are carried out in the Mesoscale Atmospheric Processes Laboratory, the Climate and Radiation Laboratory, the Atmospheric Chemistry and Dynamics Laboratory, and the Wallops Field Support Office. The overall scope of the research covers an end-to-end process, starting with the identification of scientific problems, leading to observation requirements for remote-sensing platforms, technology and retrieval algorithm development; followed by flight projects and satellite missions; and eventually, resulting in data processing, analyses of measurements, and dissemination from flight projects and missions. Instrument scientists conceive, design, develop, and implement ultraviolet, infrared, optical, radar, laser, and lidar technology to remotely sense the atmosphere. Members of the various Laboratories conduct field measurements for satellite sensor calibration and data validation, and carry out numerous modeling activities. These modeling activities include climate model simulations, modeling the chemistry and transport of trace species on regional-to-global scales, cloud resolving models, and developing the next-generation Earth system models. Satellite missions, field campaigns, peer-reviewed publications, and successful proposals are essential at every stage of the research process to meeting our goals and maintaining leadership of the

  18. California Energy Incentive Programs: An Annual Update on Key Energy Issues and Financial Opportunities for Federal Sites in California

    Energy Technology Data Exchange (ETDEWEB)

    None

    2011-12-01

    A spate of recently enacted energy legislation and associated program changes is providing numerous opportunities to help California federal energy managers cut costs and meet their renewables, energy efficiency and GHG emissions goals. In April 2011, Governor Jerry Brown approved the nation’s most ambitious renewable portfolio standard (RPS), which requires 33% of the state’s electricity to come from renewable energy sources by 2020. Policy changes that will support the RPS include expanded eligibility rules that fill previous gaps in incentives for certain sizes of on-site renewable energy systems. Program updates described in this document include: $200 million more in funding for California Solar Initiative rebates to commercial and industrial customers; an increase in the eligible system size for the Feed-In-Tariff (FIT) from 1.5MW to 3MW; and pending changes that may allow customer-side systems to sell tradable renewable energy credits (TRECs) to entities with RPS compliance obligations in California.

  19. Financial History

    OpenAIRE

    Cassis, Y.; Cottrell, P. L

    2017-01-01

    The considerable renewal of interest in all aspects of financial history over recent years provided one motivation for this new venture. Yet, the foundations for our specialism, which draws from both History and the Social Sciences, especially economics, have been laid by many. Some would point to continuity in our interest from the publication in the 1930s of jubilee banking history volumes, such as those written for British institutions by Gregory, and by Crick and Wadsworth. Further schola...

  20. Calculations of Financial Incentives for Providers in a Pay-for-Performance Program: Manual Review Versus Data From Structured Fields in Electronic Health Records.

    Science.gov (United States)

    Urech, Tracy H; Woodard, LeChauncy D; Virani, Salim S; Dudley, R Adams; Lutschg, Meghan Z; Petersen, Laura A

    2015-10-01

    Hospital report cards and financial incentives linked to performance require clinical data that are reliable, appropriate, timely, and cost-effective to process. Pay-for-performance plans are transitioning to automated electronic health record (EHR) data as an efficient method to generate data needed for these programs. To determine how well data from automated processing of structured fields in the electronic health record (AP-EHR) reflect data from manual chart review and the impact of these data on performance rewards. Cross-sectional analysis of performance measures used in a cluster randomized trial assessing the impact of financial incentives on guideline-recommended care for hypertension. A total of 2840 patients with hypertension assigned to participating physicians at 12 Veterans Affairs hospital-based outpatient clinics. Fifty-two physicians and 33 primary care personnel received incentive payments. Overall, positive and negative agreement indices and Cohen's kappa were calculated for assessments of guideline-recommended antihypertensive medication use, blood pressure (BP) control, and appropriate response to uncontrolled BP. Pearson's correlation coefficient was used to assess how similar participants' calculated earnings were between the data sources. By manual chart review data, 72.3% of patients were considered to have received guideline-recommended antihypertensive medications compared with 65.0% by AP-EHR review (κ=0.51). Manual review indicated 69.5% of patients had controlled BP compared with 66.8% by AP-EHR review (κ=0.87). Compared with 52.2% of patients per the manual review, 39.8% received an appropriate response by AP-EHR review (κ=0.28). Participants' incentive payments calculated using the 2 methods were highly correlated (r≥0.98). Using the AP-EHR data to calculate earnings, participants' payment changes ranged from a decrease of $91.00 (-30.3%) to an increase of $18.20 (+7.4%) for medication use (interquartile range, -14.4% to 0

  1. Identification of Financial Strategy in Small and Medium‑sized Entrepreneurship

    Directory of Open Access Journals (Sweden)

    Veronika Svatošová

    2017-01-01

    Full Text Available This paper deals with the importance of financial strategy development of small and medium‑sized enterprises (SMEs in the winery industry. The main objective of the paper is to identify the current financial strategy of small and medium‑sized enterprises and afterwards to propose changes that lead to new financial strategy. The research methods are the selected methods of financial analysis, collecting data about the research sample of SMEs, modelling the financial strategy with the help of Vensim program and further simulation of this model in business practice. The model derives from the previous research activities. The purpose of this paper is also to verify the usage of theoretically created model in small and medium‑sized entrepreneurship and find the optimal financial strategy in the area examined. The results of this paper show the selected area of small and medium‑sized entrepreneurship uses mainly the financial strategy of maximum liquidity (conservative strategy in all observed years (2010–2014. This means the selected research sample of SMEs do not use progressive investment strategy with a further development. This result could highlight that SMEs in agricultural sector do not meet the financial strategy with corporate strategy focused on other business development. It is recommended to change this strategy into balancedfinancial strategy focused on higher profitability that could be used for the other expansion and development of the company.

  2. 78 FR 52197 - Office of the Assistant Secretary for Financial Resources, Statement of Organization, Functions...

    Science.gov (United States)

    2013-08-22

    ... financial accountability and enhance program integrity through leadership, oversight, collaboration, and... Responsibility for Internal Control'' and the Federal Managers' Financial Integrity Act (FMFIA); (2) Coordinates...' Financial Integrity Act; (4) Administers a data integrity and quality control program to ensure compliance...

  3. Highlights of the Customs Union

    Directory of Open Access Journals (Sweden)

    Alexander Vladimirovich Kharlov

    2012-12-01

    Full Text Available The authors summarize the main results of two years of the operation of the Customs Union in Belarus, Kazakhstan and Russia, which is hardly impressive in the aftermath of the global financial crisis and economic instability in Belarus. However, the authors stressed that it is too early to jump to conclusions about the effectiveness of the Customs Union. In addition, the structure of trade, working arrangements and the list of goods are changed. Separately it is analyzed the changing economic situation in Kazakhstan, where the increased influx of Russian investments are after joining the Customs Union fully operational. In different sectors of the domestic economy are active joint Kazakh-Russian companies because Kazakhstan has more attractive business environment, compared to Russia. Russian companies are interested in Kazakhstan and produce this product to sell back to Russia or Belarus. For Kazakhstan benefit is job creation, expansion of production base, increasing tax revenues, new investments.

  4. Expanding the generation and use of economic and financial data to improve HIV program planning and efficiency: a global perspective.

    Science.gov (United States)

    Holmes, Charles B; Atun, Rifat; Avila, Carlos; Blandford, John M

    2011-08-01

    Cost information is needed at multiple levels of health care systems to inform the public health response to HIV. To date, most attention has been paid to identifying the cost drivers of providing antiretroviral treatment, and these data have driven interventions that have been successful in reducing drug and human resource costs. The need for further cost information, especially for less well-studied areas such as HIV prevention, is particularly acute given global budget constraints and ongoing efforts to extract the greatest possible value from money spent on the response. Cost information can be collected from multiple perspectives and levels of the health care system (site, program, and national levels), and it is critical to choose the appropriate methodology in order to generate the appropriate information for decision-making. Organizations such as United States President's Emergency Plan for AIDS Relief, the Global Fund to Fight AIDS, Tuberculosis, and Malaria, and other organizations are working together to bridge the divide between the fields of economics and HIV program implementation by accelerating the collection of cost data and building further local demand and capacity for their use.

  5. Energy Policy. Highlights. 2013 Edition

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2013-07-01

    Energy Policy Highlights showcases recent developments in energy policies among all 28 IEA member countries. Each contribution underscores the changing nature of both global and domestic energy challenges, as well as the commonality of energy concerns among member countries. The policies highlighted in this publication identify an urgent need to reduce greenhouse gas (GHG) emissions as a clear policy objective. Electricity, enhancing energy efficiency and increasing the share of renewables in the energy mix in a cost effective manner are likewise areas of common focus. On the end-user side, increasing public awareness of domestic energy policies through improved transparency and engagement is an important facet of policy support among IEA member countries. The successful implementation of policies and other initiatives benefitted from efforts to inform the public.

  6. IMPROVING FINANCIAL INCLUSION: TOWARDS A CRITICAL FINANCIAL EDUCATION FRAMEWORK

    Directory of Open Access Journals (Sweden)

    Renê Birochi

    2016-05-01

    Full Text Available Empirical research suggests that financial inclusion initiatives – such as facilitating access to financial resources or providing microcredit – are alone not enough to lower socioeconomic disparities. In this article, we adopt a critical stance as a guide for our empirical investigation. Our aim is to propose a financial education framework, tailored to low-income micro-entrepreneurs, that embraces new information and communication technologies (ICTs and seeks to improve financial inclusion and social emancipation. This empirical study was conducted in an Amazonian municipality in Brazil where recent access to ICTs has brought about important and varied socioeconomic changes. Results show that ICT-supported and tailored critical financial education can play a dual role: on the one hand, access to financial education might decrease the effects of generative mechanisms on global/local tensions, triggered by standardized ICT applications; on the other hand, such access might increase financial inclusion and social transformation through the integration of guiding principles into financial education programs.

  7. Highlights of Spanish Astrophysics VII

    Science.gov (United States)

    Guirado, J. C.; Lara, L. M.; Quilis, V.; Gorgas, J.

    2013-05-01

    "Highlights of Astronomy and Astrophysics VII" contains the Proceedings of the biannual meeting of the Spanish Astronomical Society held in Valencia from July 9 to 13, 2012. Over 300 astronomer, both national and international researchers, attended to the conference covering a wide variety of astrophysical topics: Galaxies and Cosmology, The Milky Way and Its Components, Planetary Sciences, Solar Physics, Instrumentation and Computation, and Teaching and Outreach of Astronomy.

  8. Optical highlighter molecules in neurobiology.

    Science.gov (United States)

    Datta, Sandeep Robert; Patterson, George H

    2012-02-01

    The development of advanced optical methods has played a key role in propelling progress in neurobiology. Genetically-encoded fluorescent molecules found in nature have enabled labeling of individual neurons to study their physiology and anatomy. Here we discuss the recent use of both native and synthetic optical highlighter proteins to address key problems in neurobiology, including questions relevant to synaptic function, neuroanatomy, and the organization of neural circuits. Copyright © 2011 Elsevier Ltd. All rights reserved.

  9. Financial Sector Competition, Service Trade, and Growth

    NARCIS (Netherlands)

    J.F. François (Joseph); F.W. Eschenbach

    2002-01-01

    textabstractWe explore dynamic linkages between financial/banking sector openness, financial sector competition, and growth. We first develop an analytical model, highlighting links between long-run economic performance and services trade, through scale economies and market and cost structures in

  10. Financial Statements Analysis

    OpenAIRE

    Tănase Alin-Eliodor

    2014-01-01

    This article focuses on analyzing of a consolidated financial statements of a hypothetically SME. The interpretation of the financial position and performances is based on the more than 40 financial key ratios computed by using financial data from consolidated income statement, consolidated financial position and cash flow. However additional data from notes to financial statements are provided.

  11. Methods of Financial Risk Management

    Directory of Open Access Journals (Sweden)

    Korzh Natalia

    2016-10-01

    Full Text Available The essence and nature of financial risks are investigated. Their classification is conducted. The features of financial risk management and the main methods of management are considered. The ways of risk compensation are identified. It is proved that the objective external risk basis is such market imperfections as externalities of enterprises and incomplete information about the operation of the business environment and internal objective basis risk – the objective function to maximise profits in a competitive environment. It is revealed that to compensate market imperfections business entities should develop a strategy that combines fill in missing information and neutralise or minimise externalities that tactically implemented in financial risk management programs.

  12. Financial Planning with Fractional Goals

    NARCIS (Netherlands)

    M.H. Goedhart; J. Spronk (Jaap)

    1995-01-01

    textabstractWhen solving financial planning problems with multiple goals by means of multiple objective programming, the presence of fractional goals leads to technical difficulties. In this paper we present a straightforward interactive approach for solving such linear fractional programs with

  13. ESO PR Highlights in 2003

    Science.gov (United States)

    2004-01-01

    Among the many astronomical highlights of 2003, the Transit of Mercury certainly attracted great attention as shown by the record number of hits the ESO web page received on that day. But this was a mere rehearsal of an even bigger event we will enjoy in 2004: the Venus Transit. ESO, in partnership with several institutions, is organising a major educational event in connection with it. During 2003, the ESO Educational Office was also involved in various other programmes. They included the web-based "Catch a Star!" and the "Physics and Life" projects, organised with EC sponsorship in connection with the 2003 European Science and Technology Week. The ALMA project, an European-North American collaboration to build an array of 64 12-m submillimetre antennas, moved forward with the signature of the agreement between ESO and the NSF and with the Ground-breaking at Chajnantor. Conceptual studies of a 100-m optical/infrared telescope (OWL) also proceeded well. Several new instruments were installed at ESO telescopes, e.g. HARPS . And the VLT Interferometer (VLTI) received a powerful Adaptive Optics System and made the first detection through infrared interferometry of an extragalactic object. A rapidly increasing number of new scientific results were obtained on the basis of data from ESO telescopes, some of which were highlighted in ESO Press Releases. A number of beautiful images were published. Many of these developments are described in ESO's Press Releases, most with Press Photos, cf. the 2003 PR Index. Some of last year's ESO PR highlights may be accessed directly via the clickable image above.

  14. Highlights of DAMA/LIBRA

    OpenAIRE

    Bernabei R.; Belli P.; d’Angelo A.; d’Angelo S.; Di Marco A.; Montecchia F.; Incicchitti A.; Cappella F.; Caracciolo V.; Cerulli R.; Dai C.J.; He H.L.; Kuang H.H.; Ma X.H.; Sheng X.D.

    2016-01-01

    The DAMA project develops and uses new/improved low background scintillation detectors to investigate the Dark Matter (DM) particle component(s) in the galactic halo and rare processes deep underground at the Gran Sasso National Laboratory (LNGS) of the I.N.F.N.. Here some highlights of DAMA/LIBRA (Large sodium Iodide Bulk for Rare processes) as a unique apparatus in direct DM investigation for its full sensitive mass, target material, intrinsic radio-purity, methodological approach and all t...

  15. PHYSICS FOR HEALTH: CONFERENCE HIGHLIGHTS

    CERN Multimedia

    2016-01-01

    Highlights of ICTR-PHE 2016 - International Conference on Translational Research in Radio-Oncology and Physics for Health -, co organized by CERN, aims at developing new strategies to better diagnose and treat cancer, by uniting biology and physics with clinics. Through the various sessions and symposia, the scientific programme offers the delegates the opportunity to discuss, in a friendly atmosphere, the latest progress in physics breakthroughs for health applications. The third edition of this conference took place at CICG (Centre International de Conférence Genève) from 15 to 19 Feb 2016.

  16. 40 CFR 5.430 - Financial assistance.

    Science.gov (United States)

    2010-07-01

    ... OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 5.430 Financial assistance. (a... therein; Provided, that the overall effect of the award of such sex-restricted scholarships, fellowships...

  17. 15 CFR 8a.430 - Financial assistance.

    Science.gov (United States)

    2010-01-01

    ... OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 8a.430 Financial assistance. (a... therein; Provided, that the overall effect of the award of such sex-restricted scholarships, fellowships...

  18. 13 CFR 113.430 - Financial assistance.

    Science.gov (United States)

    2010-01-01

    ... Nondiscrimination on the Basis of Sex in Education Programs or Activities Receiving Federal Financial Assistance Discrimination on the Basis of Sex in Education Programs Or Activities Prohibited § 113.430 Financial assistance... therein; Provided, that the overall effect of the award of such sex-restricted scholarships, fellowships...

  19. 45 CFR 86.37 - Financial assistance.

    Science.gov (United States)

    2010-10-01

    ... SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 86.37 Financial assistance. (a) General... therein; Provided, That the overall effect of the award of such sex-restricted scholarships, fellowships...

  20. 38 CFR 23.430 - Financial assistance.

    Science.gov (United States)

    2010-07-01

    ...) NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 23.430 Financial assistance... therein; Provided, that the overall effect of the award of such sex-restricted scholarships, fellowships...

  1. 2 CFR 215.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-01-01

    ... 2 Grants and Agreements 1 2010-01-01 2010-01-01 false Standards for financial management systems... Financial and Program Management § 215.21 Standards for financial management systems. (a) Federal awarding... information whenever practical. (b) Recipients' financial management systems shall provide for the following...

  2. 22 CFR 226.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Standards for financial management systems. 226... AWARDS TO U.S. NON-GOVERNMENTAL ORGANIZATIONS Post-award Requirements Financial and Program Management § 226.21 Standards for financial management systems. (a) Recipients shall relate financial data to...

  3. 7 CFR 3019.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Standards for financial management systems. 3019.21... Requirements Financial and Program Management § 3019.21 Standards for financial management systems. (a) Federal... cost information whenever practical. (b) Recipients' financial management systems shall provide for the...

  4. 20 CFR 435.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Standards for financial management systems... ORGANIZATIONS, AND COMMERCIAL ORGANIZATIONS Post-Award Requirements Financial and Program Management § 435.21 Standards for financial management systems. (a) Introduction. SSA requires recipients to relate financial...

  5. 22 CFR 145.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Standards for financial management systems. 145... Financial and Program Management § 145.21 Standards for financial management systems. (a) The Department... whenever practical. (b) Recipients' financial management systems shall provide for the following. (1...

  6. 22 CFR 518.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 2 2010-04-01 2010-04-01 true Standards for financial management systems. 518... ORGANIZATIONS Post-Award Requirements Financial and Program Management § 518.21 Standards for financial management systems. (a) Federal awarding agencies shall require recipients to relate financial data to...

  7. 34 CFR 74.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 1 2010-07-01 2010-07-01 false Standards for financial management systems. 74.21... Requirements Financial and Program Management § 74.21 Standards for financial management systems. (a... practical. (b) Recipients' financial management systems shall provide for the following: (1) Accurate...

  8. 29 CFR 95.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Standards for financial management systems. 95.21 Section 95... Requirements Financial and Program Management § 95.21 Standards for financial management systems. (a... practical. (b) Recipients' financial management systems shall provide for the following: (1) Accurate...

  9. 32 CFR 34.11 - Standards for financial management systems.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 1 2010-07-01 2010-07-01 false Standards for financial management systems. 34... ORGANIZATIONS Post-award Requirements Financial and Program Management § 34.11 Standards for financial management systems. (a) Recipients shall be allowed and encouraged to use existing financial management...

  10. 28 CFR 70.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Standards for financial management..., HOSPITALS AND OTHER NON-PROFIT ORGANIZATIONS Post-Award Requirements Financial and Program Management § 70.21 Standards for financial management systems. (a) Recipients must relate financial data to...

  11. 77 FR 59206 - Notice of Submission of Proposed Information Collection to OMB; OSHC Financial Reporting Form

    Science.gov (United States)

    2012-09-26

    ... ] Program, require the financial reporting by grantees. This tracking of grantee financial data is solely in... Financial Reporting Form. OMB Approval Number: 2501-Pending. Form Numbers: None. Description of the Need for... Planning Grant Program, require the financial reporting by grantees. This tracking of grantee financial...

  12. LHC Highlights, from dream to reality

    CERN Multimedia

    CERN Bulletin

    2010-01-01

    The idea of the Large Hadron Collider (LHC) was born in the early 1980s. Although LEP (CERN’s previous large accelerator) was still under construction at that time, scientists were already starting to think about re-using the 27-kilometre ring for an even more powerful machine. Turning this ambitious scientific plan into reality proved to be an immensely complex task. Civil engineering work, state-of-the-art technologies, a new approach to data storage and analysis: many people worked hard for many years to accomplish all this.   Here are some of the highlights: 1984. A symposium organized in Lausanne, Switzerland, is the official starting point for the LHC. LHC prototype of the two beam pipes (1992). 1989. The first embryonic collaborations begin. 1992. A meeting in Evian, France, marks the beginning of the LHC experiments. 1994. The CERN Council approves the construction of the LHC accelerator. 1995. Japan becomes an Observer of CERN and announces a financial contribution to ...

  13. Highlighting inconsistencies regarding metal biosorption.

    Science.gov (United States)

    Robalds, Artis; Naja, Ghinwa Melodie; Klavins, Maris

    2016-03-05

    Thousands of articles have been devoted to examine different types of biosorbents and their use in cleaning polluted waters. An important objective of some studies has been the identification of the biosorption mechanisms. This type of investigation is not always performed, as it can only be done if scientists are aware of all mechanisms that, at least theoretically, control the removal of the target substances. Mistakes are often made, even in highly cited review articles, where biosorption mechanisms are named and/or grouped. The aim of this article is to highlight errors and inaccuracies as well as to discuss different classification systems of the biosorption mechanisms. This article serves as a guide, as well as a platform for discussion among researchers involved in the investigation of biosorbents, in an effort to avoid reproducing errors in subsequent articles. Copyright © 2015 Elsevier B.V. All rights reserved.

  14. Highlights in pathogenesis of vitiligo

    Science.gov (United States)

    Mohammed, Ghada F; Gomaa, Amal HA; Al-Dhubaibi, Mohammed Saleh

    2015-01-01

    Vitiligo is a common pigmentary disorder. Many studies across decades and all over the world have attempted to illustrate the pathogenesis behind it; however, the pathogenesis of vitiligo remains elusive. This review article, we present the findings behind the most and updated theories behind this psychologically debilitating and disfiguring disease. The discussion begun with the role of genetic predisposition followed by neural theory first proposed in the 1950s. We highlight the autoimmune hypothesis, followed by the reactive oxygen species model, zinc-α2-glycoprotein deficiency hypothesis, viral theory, intrinsic theory and biochemical, molecular and cellular alterations accounting for loss of functioning melanocytes in vitiligo. Many theories were elaborated to clarify vitiligo pathogenesis. It is a multifactorial disease involving the interplay of several factors. Future research is needed to clarify the interaction of these factors for better understanding of vitiligo pathogenesis and subsequent successful treatment. PMID:25789295

  15. FINANCIAL LITERACY AS A PATH TO SUSTAINABILITY

    Directory of Open Access Journals (Sweden)

    Michaela Krechovská

    2015-07-01

    Full Text Available The paper aims to highlight the important role of financial literacy as one of the factors that ensures sustainable development in society. First, the paper deals with the definition of financial literacy and the importance of financial literacy for society. It analyses various symptoms associated with the level of financial literacy in the form of household debt and the number of ordered property repossessions. Furthermore, the paper focuses on the measurement of financial literacy and, in this context, presents selected results of the survey of financial literacy from a selected group of respondents (university students in the Czech Republic that were acquired as part of the "V4 Scientific Centers for the Enhancement of Financial Literacy and Entrepreneurship Education" project focused on research in the field of entrepreneurship education and financial literacy in Visegrad Group countries. Financial literacy is seen as one of the most important characteristics that can determine the behaviour of individuals in the world of finance, their approaches to payment discipline, debt and thinking for the future. In this regard, it is important to put emphasis on financial education as a tool for heightening and developing practical financial literacy.

  16. Quarterly Financial Report for the period ending 31 December 2016

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

    Office 2004 Test Drive User

    2016-12-31

    Dec 31, 2016 ... 4 | QUARTERLY FINANCIAL REPORT FOR THE PERIOD 1 APRIL TO 31 DECEMBER 2016. TABLE 1: FINANCIAL HIGHLIGHTS. * While this table mirrors the actual presentation in the financial statements, the Parliamentary appropriation is considered as revenue throughout this. MD&A. a For more ...

  17. Highlights in pathogenic fungal biofilms.

    Science.gov (United States)

    Sardi, Janaina De Cássia Orlandi; Pitangui, Nayla De Souza; Rodríguez-Arellanes, Gabriela; Taylor, Maria Lucia; Fusco-Almeida, Ana Maria; Mendes-Giannini, Maria José Soares

    2014-01-01

    A wide variety of fungi have demonstrated the ability to colonize surfaces and form biofilms. Most studies on fungal biofilms have focused on Candida albicans and more recently, several authors have reported the involvement of other genera of yeasts and Candida species, as well as of filamentous fungi in the formation of biofilms, including: Cryptococcus neoformans, Cryptococcus gattii, Rhodotorula species, Aspergillus fumigatus, Malassezia pachydermatis, Histoplasma capsulatum, Paracoccidioides brasiliensis, Pneumocystis species, Coccidioides immitis, Fusarium species, Saccharomyces cerevisiae, Trichosporon asahii, Mucorales and Blastoschizomyces. There is a current interest in describing the particular characteristics of the biofilm formation by of these fungi. A major concern is the control of biofilms, requiring knowledge of the biofilm mechanisms. However, our knowledge of these microbial communities is limited, due to the complexity of these systems and metabolic interactions that remain unknown. This mini-review aims to highlight recently discovered fungal biofilms and to compare them with the current knowledge on biofilms. This manuscript is part of the series of works presented at the "V International Workshop: Molecular genetic approaches to the study of human pathogenic fungi" (Oaxaca, Mexico, 2012). Copyright © 2013 Revista Iberoamericana de Micología. Published by Elsevier Espana. All rights reserved.

  18. Highlights from the CMS Experiment

    CERN Document Server

    Alcaraz Maestre, Juan

    2017-01-01

    We discuss the status and some recent results of the CMS experiment at the LHC. The performance of the detector is assessed using a luminosity of $\\approx 5~\\mathrm{fb}^{-1}$ recorded in the first part of the 2017 data-taking period. Run~2 physics studies use data collected at a center-of-mass energy of $\\sqrt{s}=13~\\mathrm{TeV}$, corresponding to an integrated luminosity of $36~\\mathrm{fb}^{-1}$. Highlights from studies in the Higgs sector are the first observation of its decay into tau leptons by a single experiment, the most precise measurement of its mass, $\\mathrm{m_H} = 125.26 \\pm 0.21~\\mathrm{GeV}$ and a first search for the $\\mathrm{H}\\to\\mathrm{b\\overline{b}}$ decay in a phase space region that is sensitive to the gluon-fusion production mechanism. In the electroweak sector, CMS provides the currently most precise measurement of the effective weak mixing angle at the LHC: $\\sin\\theta^{\\rm lept}_{\\rm eff} = 0.23101\\pm 0.00052$, using an integrated luminosity of $\\approx 20~\\mathrm{fb}^{-1}$ at $\\sqr...

  19. Highlights of DAMA/LIBRA

    Directory of Open Access Journals (Sweden)

    Bernabei R.

    2016-01-01

    Full Text Available The DAMA project develops and uses new/improved low background scintillation detectors to investigate the Dark Matter (DM particle component(s in the galactic halo and rare processes deep underground at the Gran Sasso National Laboratory (LNGS of the I.N.F.N.. Here some highlights of DAMA/LIBRA (Large sodium Iodide Bulk for Rare processes as a unique apparatus in direct DM investigation for its full sensitive mass, target material, intrinsic radio-purity, methodological approach and all the controls performed on the experimental parameters are outlined. The DAMA/LIBRA–phase1 and the former DAMA/NaI data (cumulative exposure 1.33 ton × yr, corresponding to 14 annual cycles have reached a model-independent evidence at 9.3 σ C.L. for the presence of DM particles in the galactic halo exploiting the DM annual modulation signature with highly radio-pure NaI(Tl target. Some of the perspectives of the presently running DAMA/LIBRA–phase2 are summarised and the powerful tools offered by a model independent strategy of DM investigation are pointed out.

  20. The financial trilemma

    NARCIS (Netherlands)

    Schoenmaker, D.

    2011-01-01

    The financial trilemma states that financial stability, financial integration and national financial policies are incompatible. Any two of the three objectives can be combined but not all three; one has to give. This paper develops a model to underpin the financial trilemma. © 2011 Elsevier B.V.

  1. ESO PR Highlights in 2004

    Science.gov (United States)

    2005-01-01

    new interesting scientific results on the basis of data from ESO telescopes, including several results from the unmatched interferometer mode of the VLT, the VLTI, some of which were highlighted in ESO Press Releases. Certainly worth noting is the possible first ever bona-fide image of an exoplanet and the discovery of the lightest known exoplanet . At the beginning of the year, Paranal welcomed the first Auxiliary Telescope, while on the instrument side as well, 2004 was a good year: we saw the arrival of SINFONI on the VLT, of AMBER on the VLTI, and the installation at the NACO Adaptive Optics instrument of the " Simultaneous Differential Imager (SDI)" to detect exoplanets. And the first prototype of the Astrophysical Virtual Observatory was able to provide unprecedented results on the existence of Type-2 quasars by discovering an entire population of obscured, powerful supermassive black holes. Many of these developments are described in ESO's Press Releases, most with Press Photos, cf. the 2004 PR Index. Some of last year's ESO PR highlights may be accessed directly via the clickable image above.

  2. Cassini's Grand Finale Science Highlights

    Science.gov (United States)

    Spilker, Linda

    2017-10-01

    After 13 years in orbit, the Cassini-Huygens Mission to Saturn ended in a science-rich blaze of glory. Cassini returned its final bits of unique science data on September 15, 2017, as it plunged into Saturn's atmosphere satisfying planetary protection requirements. Cassini's Grand Finale covered a period of roughly five months and ended with the first time exploration of the region between the rings and planet.The final close flyby of Titan in late April 2017 propelled Cassini across Saturn’s main rings and into its Grand Finale orbits; 22 orbits that repeatedly dove between Saturn’s innermost rings and upper atmosphere making Cassini the first spacecraft to explore this region. The last orbit turned the spacecraft into the first Saturn upper atmospheric probe.The Grand Finale orbits provided highest resolution observations of both the rings and Saturn, and in-situ sampling of the ring particle composition, Saturn's atmosphere, plasma, and innermost radiation belts. The gravitational field was measured to unprecedented accuracy, providing information on the interior structure of the planet, winds in the deeper atmosphere, and mass of the rings. The magnetic field provided insight into the physical nature of the magnetic dynamo and structure of the internal magnetic field. The ion and neutral mass spectrometer sampled the upper atmosphere for molecules that escape the atmosphere in addition to molecules originating from the rings. The cosmic dust analyzer directly sampled the composition from different parts of the main rings for the first time. Fields and particles instruments directly measured the plasma environment between the rings and planet.Science highlights and new mysteries gleaned to date from the Grand Finale orbits will be discussed.The research described in this paper was carried out in part at the Jet Propulsion Laboratory, California Institute of Technology, under a contract with the National Aeronautics and Space Administration. Copyright 2017

  3. THE IMPACT OF THE FINANCIAL CRISIS ON THE THEORY AND PRACTICE OF FINANCIAL SYSTEM SUPERVISION

    Directory of Open Access Journals (Sweden)

    Roxana Heteș

    2013-04-01

    Full Text Available The recent global financial crisis has reopened the debate about macroeconomic policies’ objectives, but also the need and extent of state involvement in the functioning of the economy, either directly or indirectly. This has exposed some weaknesses in the system of regulation and supervision of the financial system and the its architecture, especially in the treatment of systemic risks and vulnerabilities, but also the financial implications of the globalization process. The global nature of financial crisis highlighted the fact that, although integrated financial markets offer a number of significant benefits, risks involved are not negligible. Therefore, to ensure the financial stability of an increasingly integrated landscape there was felt the need for reform of the financial system architecture, both nationally and internationally.

  4. Cancer megafunds with in silico and in vitro validation: Accelerating cancer drug discovery via financial engineering without financial crisis

    KAUST Repository

    Yang, Xianjin

    2016-06-03

    Advances in financial engineering are radically reshaping the biomedical marketplace. For instance, new methods of pooling diversified drug development programs by placing them in a special purpose vehicle (SPV) have been proposed to create a securitized cancer megafund allowing for debt and equity participation. In this study, we perform theoretical and numerical simulations that highlight the role of empirical validation of the projects comprising a cancer megafund. We quantify the degree to which the deliberately designed structure of derivatives and investments is key to its liquidity. Research megafunds with comprehensive in silico and laboratory validation protocols and ability to issue both debt, and equity as well as hybrid financial products may enable conservative investors including pension funds and sovereign government funds to profit from unique securitization opportunities. Thus, while hedging investor\\'s longevity risk, such well-validated megafunds will contribute to health, well being and longevity of the global population.

  5. Cancer megafunds with in silico and in vitro validation: accelerating cancer drug discovery via financial engineering without financial crisis.

    Science.gov (United States)

    Yang, Xianjin; Debonneuil, Edouard; Zhavoronkov, Alex; Mishra, Bud

    2016-09-06

    Advances in financial engineering are radically reshaping the biomedical marketplace. For instance, new methods of pooling diversified drug development programs by placing them in a special purpose vehicle (SPV) have been proposed to create a securitized cancer megafund allowing for debt and equity participation. In this study, we perform theoretical and numerical simulations that highlight the role of empirical validation of the projects comprising a cancer megafund. We quantify the degree to which the deliberately designed structure of derivatives and investments is key to its liquidity. Research megafunds with comprehensive in silico and laboratory validation protocols and ability to issue both debt, and equity as well as hybrid financial products may enable conservative investors including pension funds and sovereign government funds to profit from unique securitization opportunities. Thus, while hedging investor's longevity risk, such well-validated megafunds will contribute to health, well being and longevity of the global population.

  6. Nationwide expansion of a financial incentive program on fruit and vegetable purchases among Supplemental Nutrition Assistance Program participants: A cost-effectiveness analysis.

    Science.gov (United States)

    An, Ruopeng

    2015-12-01

    High prices remain a formidable barrier for many people, especially those of low socioeconomic status, to adopt a healthier diet. The Food, Conservation, and Energy Act of 2008 mandated the U.S. Department of Agriculture (USDA) to conduct a pilot study to assess the impact of making fruits and vegetables more affordable for households in the Supplemental Nutrition Assistance Program (SNAP). Based on the USDA final report of the Healthy Incentives Pilot (HIP), a large-scale randomized trial in 2011-2012 that provided 30% rebate on targeted fruits and vegetables to 7500 study participants enrolled in the SNAP, we constructed a decision model to evaluate the cost-effectiveness of an expansion of the HIP to all SNAP households nationwide. The estimated life-time per capita costs of the HIP to the Federal government is $1323 in 2012 U.S. dollars, and the average gains in quality-adjusted life expectancy to a SNAP participant is 0.082 quality-adjusted life year (QALY), resulting in an incremental cost-effectiveness ratio (ICER) of $16,172 per QALY gained. Sensitivity analysis using Monte Carlo simulations indicates a 94.4% and 99.6% probability that the estimated ICER would be lower than the cost-effective threshold of $50,000 and $100,000 per QALY gained, respectively. Moreover, the estimated ICER of the HIP expansion tends to be competitive in comparison to other interventions that aimed at promoting fruit/vegetable intake among adult population. Findings from this study suggest that a nationwide expansion of the HIP is likely to nudge SNAP households towards purchasing and consuming more targeted fruits and vegetables. However, diet behavior modification is proportional to price change. When people's actual eating behaviors and what dietary guidelines recommend differ by several folds, even a 30% rebate closes just a small fraction of that gap and has limited beneficial impact on participants' weight management, disease prevention, and health-related quality of life

  7. Financial Village Standing in Indonesian Financial System

    Directory of Open Access Journals (Sweden)

    Herry Purnomo

    2015-12-01

    Full Text Available Financial resources of the village that are sourced from a country or a Regional Finance Financial based Law Number 6 Year 2014 of The Village is the mandate of the law that must be allocated to the village. The interconnectedness of the financial position of the village in the financial system of the country or Region concerned the Financial administrative and territorial relations, and there is no setting directly regarding the finances of the village as part of the financial system of the country or the financial area. In respect of the elements of the crime of corruption deeds against financial irregularities of the village there are still disagreements on the interpretation of the law in trapping the perpetrators of corruption on the village chief that implies not satisfy the principle of legality and legal certainty in the ruling of the matter of financial irregularities. In fact, many of the village chief or Councilor caught the criminal offence of corruption over the use of financial irregularities. This research analyzes How the financial position of the village in the financial system of the country or region, as well as whether the financial resources of the village is derived from the state budget or region budget managed in village budget belongs to the category of village finances and whether tort against the financial management of the village can be categorized as a criminal act corruption. How To Cite: Purnomo, H. (2015. Financial Village Standing in Indonesian Financial System. Rechtsidee, 2(2, 121-140. doi:http://dx.doi.org/10.21070/jihr.v2i2.81

  8. THE ROLE OF FINANCIAL DEVELOPMENT ON INCOME INEQUALITY IN MALAYSIA

    OpenAIRE

    Siong Hook Law; Hui Boon Tan

    2009-01-01

    This study examines the role of financial development in influencing income inequality in Malaysia over the period of 1980-2000. The empirical results based on ARDL bounds test indicate that financial market development is, at best, very weak and statistically insignificant in reducing income inequality in Malaysia. The evidence is valid for a variety of financial indicators, including the banking sector, the stock market and financial aggregate variables. The evidence also highlights that be...

  9. Preparing Financial Reports for Marine Corps Appropriations

    Science.gov (United States)

    2001-04-12

    PREPARING FINANCIAL REPORTS FOR MARINE CORPS APPROPRIATIONS Report No. D-2001-097 April 12, 2001...to) ("DD MON YYYY") Title and Subtitle Preparing Financial Reports for Marine Corps Appropriations Contract or Grant Number Program Element...Act of 1990, as amended by the Federal Financial Management Act of 1994. This is the third report on our audit of the FY 2000 Department of the Navy

  10. Atmospheric Research 2016 Technical Highlights

    Science.gov (United States)

    Platnick, Steven

    2017-01-01

    Atmospheric research in the Earth Sciences Division (610) consists of research and technology development programs dedicated to advancing knowledge and understanding of the atmosphere and its interaction with the climate of Earth. The Divisions goals are to improve understanding of the dynamics and physical properties of precipitation, clouds, and aerosols; atmospheric chemistry, including the role of natural and anthropogenic trace species on the ozone balance in the stratosphere and the troposphere; and radiative properties of Earth's atmosphere and the influence of solar variability on the Earth's climate. Major research activities are carried out in the Mesoscale Atmospheric Processes Laboratory, the Climate and Radiation Laboratory, the Atmospheric Chemistry and Dynamics Laboratory, and the Wallops Field Support Office. The overall scope of the research covers an end-to-end process, starting with the identification of scientific problems, leading to observation requirements for remote-sensing platforms, technology and retrieval algorithm development; followed by flight projects and satellite missions; and eventually, resulting in data processing, analyses of measurements, and dissemination from flight projects and missions. Instrument scientists conceive, design, develop, and implement ultraviolet, infrared, optical, radar, laser, and lidar technology to remotely sense the atmosphere. Members of the various laboratories conduct field measurements for satellite sensor calibration and data validation, and carry out numerous modeling activities. These modeling activities include climate model simulations, modeling the chemistry and transport of trace species on regional-to-global scales, cloud resolving models, and developing the next-generation Earth system models. Satellite missions, field campaigns, peer-reviewed publications, and successful proposals are essential at every stage of the research process to meeting our goals and maintaining leadership of the

  11. The corporate centre in a financial conglomerate : governance under fundamental industry changes

    OpenAIRE

    Fiole, Eelco Rokus Willem

    2002-01-01

    In part 1, we discuss 1) the fundamental changes in the financial services industry, 2) financial conglomerate structures and 3) value-based-management. These are core components for understanding the challenges and intentions of corporate level management of financial conglomerates. The financial services industry, financial conglomeration and value orientation In the first chapter, we highlight the major trend of consolidation in the financial services industry. This trend...

  12. Department of Education: Status of Financial Management Weaknesses Reported in the Fiscal Year 1999 Financial Statement Audit

    National Research Council Canada - National Science Library

    2000-01-01

    .... The General Accounting Office was asked to: (1) analyze Education's financial management weaknesses in the context of possible program and budgetary implications based on the results of the audit of its fiscal year 1999 financial statements, (2...

  13. 77 FR 37699 - Notice of Proposed Information Collection: Comment Request OSHC Financial Reporting Form

    Science.gov (United States)

    2012-06-22

    ... URBAN DEVELOPMENT Notice of Proposed Information Collection: Comment Request OSHC Financial Reporting... the Community Challenge Planning Grant Program, require the financial reporting by grantees. This... also lists the following information: Title of Proposal: OSHC Financial Reporting Form. OMB Control...

  14. ESO PR Highlights in 2007

    Science.gov (United States)

    2008-01-01

    Another great year went by for ESO, the European Organisation for Astronomical Research in the Southern Hemisphere. From 1 January 2007, with the official joining of the Czech Republic, ESO has 13 member states, and since September, ESO has a new Director General, Tim de Zeeuw (ESO 03/07 and 38/07). Many scientific discoveries were made possible with ESO's telescopes. Arguably, the most important is the discovery of the first Earth-like planet in the habitable zone of a low-mass red dwarf (ESO 22/07). If there is water on this planet, then it should be liquid! ESO PR Highlights 2007 This is a clickable map. These are only some of the press releases issued by ESO in 2007. For a full listing, please go to ESO 2007 page. In our own Solar System also, astronomers made stunning breakthroughs with ESO's telescopes, observing the effect of the light from the Sun on an asteroid's rotation (ESO 11/07), describing in unprecedented detail the double asteroid Antiope (ESO 18/07), peering at the rings of Uranus (ESO 37/07), discovering a warm south pole on Neptune (ESO 41/07), showing a widespread and persistent morning drizzle of methane over the western foothills of Titan's major continent (ESO 47/07), and studying in the greatest details the wonderful Comet McNaught (ESO 05/07 and 07/07). In the study of objects slightly more massive than planets, the VLT found that brown dwarfs form in a similar manner to normal stars (ESO 24/07). The VLT made it also possible to measure the age of a fossil star that was clearly born at the dawn of time (ESO 23/07). Other discoveries included reconstructing the site of a flare on a solar-like star (ESO 53/07), catching a star smoking (ESO 34/07), revealing a reservoir of dust around an elderly star (ESO 43/07), uncovering a flat, nearly edge-on disc of silicates in the heart of the magnificent Ant Nebula (ESO 42/07), finding material around a star before it exploded (ESO 31/07), fingerprinting the Milky Way (ESO 15/07), revealing a rich

  15. ESO PR Highlights in 2006

    Science.gov (United States)

    2007-01-01

    Last year proved to be another exceptional year for the European organisation for ground-based astronomy. ESO should begin the New Year with two new member states: Spain (PR 05/06) and the Czech Republic (PR 52/06). ESO PR Highlights 2006 2006 was a year of renovation and revolution in the world of planets. A new Earth-like exoplanet has been discovered (PR 03/06) using a network of telescopes from all over the world (including the Danish 1.54-m one at ESO La Silla). It is not the only child of this fruitful year: thanks to the combined use of ESO's Very Large Telescope (VLT) and La Silla instruments, a surprising system of twin giant exoplanets was found (PR 29/06), and a trio of Neptune-like planets hosted by a nearby star were identified (PR 18/06). These results open new perspectives on the search for habitable zones and on the understanding of the mechanism of planet formation. The VISIR instrument on the VLT has been providing unique information to answer this last question, by supplying a high resolution view of a planet-forming disc (PR 36/06). There are not only new members in the planets' register: during the General Assembly of the International Astronomical Union held in Prague (Czech Republic), it was decided that Pluto is not a planet anymore but a 'dwarf planet'. Whatever its status, Pluto still has a satellite, Charon, whose radius and density have been measured more accurately by observing a rare occultation from different sites, including Cerro Paranal (PR 02/06). The scientific community dedicated 2006 to the great physicist James Clerk Maxwell (it was the 175th anniversary of the birth): without his electromagnetic theory of light, none of the astonishing discoveries of modern physics could have been achieved. Nowadays we can look at distant galaxies in great detail: the GIRAFFE spectrograph on the VLT revealed that galaxies 6 billion years ago had the same amount of dark matter relative to stars than nowadays (PR 10/06), while SINFONI gave an

  16. Physical Sciences 2007 Science & Technology Highlights

    Energy Technology Data Exchange (ETDEWEB)

    Hazi, A U

    2008-04-07

    The Physical Sciences Directorate applies frontier physics and technology to grand challenges in national security. Our highly integrated and multidisciplinary research program involves collaborations throughout Lawrence Livermore National Laboratory, the National Nuclear Security Administration, the Department of Energy, and with academic and industrial partners. The Directorate has a budget of approximately $150 million, and a staff of approximately 350 employees. Our scientists provide expertise in condensed matter and high-pressure physics, plasma physics, high-energy-density science, fusion energy science and technology, nuclear and particle physics, accelerator physics, radiation detection, optical science, biotechnology, and astrophysics. This document highlights the outstanding research and development activities in the Physical Sciences Directorate that made news in 2007. It also summarizes the awards and recognition received by members of the Directorate in 2007.

  17. Financial planning for young households

    DEFF Research Database (Denmark)

    Pedersen, Anne Marie Boiden; Weissensteiner, Alex; Poulsen, Rolf

    2013-01-01

    We analyze the financial planning problems of young households whose main decisions are how to finance the purchase of a house (liabilities) and how to allocate investments in pension savings schemes (assets). The problems are solved using a multi-stage stochastic programming model where...

  18. 38 CFR 61.66 - Financial management.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Financial management. 61...) VA HOMELESS PROVIDERS GRANT AND PER DIEM PROGRAM § 61.66 Financial management. (a) All recipients... management system that follows generally accepted accounting principals and provides accounting records...

  19. 30 CFR 725.22 - Financial management.

    Science.gov (United States)

    2010-07-01

    ... 30 Mineral Resources 3 2010-07-01 2010-07-01 false Financial management. 725.22 Section 725.22... PROGRAM REGULATIONS REIMBURSEMENTS TO STATES § 725.22 Financial management. (a) The agency shall account for grant funds in accordance with the requirements of Office of Management and Budget Circular A-102...

  20. Toward Integrity in Financial Aid Counseling.

    Science.gov (United States)

    Cleary, Paul G.

    1986-01-01

    Discusses ethical problems associated with financial aid counseling including: disseminating financial aid information, advising on independent status, judging students true needs, communicating between high school and college, helping parents and students understand programs, drop in enrollment of lower income students, public/private college…

  1. Quantifying the Financial Benefits of Multifamily Retrofits

    Energy Technology Data Exchange (ETDEWEB)

    Philbrick, D. [Elevate Energy, Chicago, IL (United States); Scheu, R. [Elevate Energy, Chicago, IL (United States); Brand, L. [Elevate Energy, Chicago, IL (United States)

    2016-01-01

    The U.S. Department of Energy’s Building America research team Partnership for Advanced Residential Retrofit analyzed building, energy, and financial program data as well as other public and private data to examine the relationship between energy-efficiency retrofits and financial performance on three levels: building, city, and community.

  2. Enhancing Links between Research and Practice to Improve Consumer Financial Education and Well-Being

    Science.gov (United States)

    Hensley, Billy J.

    2015-01-01

    A recent meta-analysis of the effect of financial literacy and financial education on downstream financial behaviors has shown a weak collective impact of the work of financial education. While the findings are not stellar, they do not support a dismantling of financial education programs and funding. This paper examines the findings of the…

  3. Alternative utility conservation program designs: an evaluation based on case study program experience

    Energy Technology Data Exchange (ETDEWEB)

    Kreitler, V.

    1985-01-01

    Utilities around the nation are promoting residential conservation through a variety of program activities, ranging from customer education programs to financial incentive programs to direct installation programs. This report was undertaken to evaluate some of these alternative program designs, to compare their achievements against those of the RCS program, and to suggest program planning directions that seem most promising. Interviews with program managers were used to elucidate the rationale behind the alternative programs and to discuss program effectiveness. The experiences of nine utilities and one nonutility organization are reviewed. Program managers' opinions about RCS and their experiences with thirteen other programs are summarized. The effectiveness of the alternative program designs are compared and some implications for conservation program planning and implementation are highlighted.

  4. First half financial report; Rapport semestriel

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2003-06-30

    Delivering products and services to nuclear power plants operators, AREVA operates in every sector of the civilian nuclear power and fuel cycle industry. This first half financial report provides information on highlights concerning the nuclear power and the connectors, income statement, performance by division (front end division, reactors and services division, back end division and connectors division), cash flow, balance sheet, post-closing events and consolidated financial statements. (A.L.B.)

  5. FINANCIAL MANAGEMENT OF THE COMPANY THROUGH THE CAPITALIZATION OF FINANCIAL-ACCOUNTING INFORMATION

    Directory of Open Access Journals (Sweden)

    Boby COSTI

    2014-06-01

    Full Text Available This article aims to highlight the role of financial-accounting information for the use in the financial management of the company, starting from the most recent writings in the field. Although it is hard to imagine that the financial management uses individualized financial- accounting information, attributed solely to a particular activity within the enterprise, still we tried to address the information according to the main activities that produce and use information, respectively: of investment, of exploitation and of financing. A proper management, at the company’s level, contributes to better products at lower prices, a higher salary and at the same time, to achieve higher incomes for those who contributed with capital in that company. Therefore, the financial management is a subsystem of the overall management of the company, aimed at ensuring the necessary financial resources, their profitable allocation and use, increasing the company’s value and of the safety of patrimony.

  6. From Support to Self-Sufficiency: How Successful Are Programs in Advancing the Financial Independence and Well-Being of Welfare Recipients?

    Science.gov (United States)

    Long, D. A.

    2001-01-01

    Reviews recent evaluation research findings about welfare recipients from a perspective of support-to-self-sufficiency rather than the welfare-to-work viewpoint that denominates the evaluation literature. Recent research suggests that many families have moved from welfare to work, but few of these families have achieved financial self-sufficiency.…

  7. Investing in Cultural Participation and Financial Sustainability: Cross-Cohort Analysis of the Arts Regional Initiative, 2009-2014. Insight: Lessons Learned from Our Grantmaking Programs

    Science.gov (United States)

    James Irvine Foundation, 2016

    2016-01-01

    Between 2009 and 2014, The James Irvine Foundation invested $13.4 million through the Arts Regional Initiative to build the capacity of a group of nonprofit arts organizations in California locales outside of major arts centers. The aim was two-fold: to increase cultural participation and improve financial sustainability. The following lessons,…

  8. FINANCIAL INTERMEDIARIES’ ACTIVITY ON ROMANIAN CAPITAL MARKET

    Directory of Open Access Journals (Sweden)

    Dumitru-Cristian OANEA

    2014-11-01

    Full Text Available The financial shifts encountered in the last decade, increase the importance of capital markets in emerging countries, which is also Romania’s case. The banking system was for a long period of time the main source of liquidity for the economy. Meanwhile, the situation is changing due to the importance that capital market has in financing the economy. Through this paper we analyze the transactions’ evolution made by financial intermediaries on Romanian capital market, by highlighting the Societies for Financial Services and Investments (SSIF. Based on this evolution, we identified the main significant differences and similarities between the SSIFs existing on the market.

  9. Financial analysis as a financial management instrument

    Directory of Open Access Journals (Sweden)

    Stehlíková Beáta

    2001-12-01

    Full Text Available The financial market is one of the elements of the market-oriented economy. The financial analysis is a fundamental element of the financial controlling business. The purpose of this article is to inform briefly about horizontal and vertical financial statements analysis as the source of competitive advantage of the firm. The article is divided into two parts. First describes financial analysis and financial statements generally. Second, it presents a practical contribution of the horizontal and vertical financial statements analysis at the controlled businesses as financial management tools, which identify the financial position, market behaviour, correlations between the net profit and the prohibitively cost and operating profit, the financial activities profit, the income tax etc.Business, which the analysed firm operates in asks a provable claim on the high value of fixed assets. The capital composition of the firm is call to typify for the state-owned enterprise that was transformed to private joint-stock companies. Analysis is specially pleading for the needs considering the price of the borrowed capital in the capital structure rating. Fault factor ø value talks about needs for the cost regulation. Stair-step conception used for counting of the net profit in the accountant period indicates the financial profit, alternatively loss, as the distinguished pre-tax profit element. Picture about firm’s financial results can be completed with the information about the income tax value. Form of financial analyses presented in the article entablature the accents on the necessity to compare several accounting period and on the necessity of complex understanding of statements accounting slide “en bloc”.Financial analyse makes the decision makers possible to screen potential partners before the cooperation starts. On the other side, it makes a possibility to influence the production process, sales and financial management during the accounting

  10. Medicaid program; third party liability for medical assistance; FFP rates for skilled professional medical personnel and supporting staff; and sources of state share of financial participation--HCFA. Proposed rules.

    Science.gov (United States)

    1984-06-04

    These proposed regulations would--(1) Broaden the scope of services for which a State must collect from third parties the cost of medical assistance furnished to Medicaid recipients, remove the specific requirements for the terms of cooperative agreements for third party collections, and revise the methods of paying claims involving third party liability; (2) Clarify criteria used in determining whether skilled professional medical personnel and supporting staff involved in the administration of the Medicaid program quality for 75 percent Federal matching; and (3) Clarify policy to permit public and private donations to be used as a State's share of financial participation in the entire Medicaid program, instead of only for training expenditures. The proposed amendments would clarify policy and reduce program expenditures.

  11. 7 CFR 277.6 - Standards for financial management systems.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 4 2010-01-01 2010-01-01 false Standards for financial management systems. 277.6... ADMINISTRATIVE COSTS OF STATE AGENCIES § 277.6 Standards for financial management systems. (a) General. This section prescribes standards for financial management systems in administering program funds by the State...

  12. 38 CFR 49.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-07-01

    ... Program Management § 49.21 Standards for financial management systems. (a) Federal awarding agencies shall... practical. (b) Recipients' financial management systems shall provide for the following. (1) Accurate... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Standards for financial...

  13. 24 CFR 84.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Standards for financial management... and Program Management § 84.21 Standards for financial management systems. (a) HUD shall require.... (b) Recipients' financial management systems shall provide for the following: (1) Accurate, current...

  14. 36 CFR 1210.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-07-01

    ... Program Management § 1210.21 Standards for financial management systems. (a) The NHPRC shall require.... (b) Recipients' financial management systems shall provide for the following. (1) Accurate, current... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Standards for financial...

  15. 45 CFR 2543.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Standards for financial management systems. 2543... OTHER NON-PROFIT ORGANIZATIONS Post-Award Requirements Financial and Program Management § 2543.21 Standards for financial management systems. (a) Federal awarding agencies shall require recipients to relate...

  16. 15 CFR 14.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-01-01

    ... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false Standards for financial management...-PROFIT, AND COMMERCIAL ORGANIZATIONS Post-Award Requirements Financial and Program Management § 14.21 Standards for financial management systems. (a) The Grants Officer shall require recipients to relate...

  17. 32 CFR 32.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 1 2010-07-01 2010-07-01 false Standards for financial management systems. 32... Program Management § 32.21 Standards for financial management systems. (a) DoD Components shall require... unit cost information. (b) Recipients' financial management systems shall provide for the following. (1...

  18. 14 CFR 152.303 - Financial management system.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Financial management system. 152.303... (CONTINUED) AIRPORTS AIRPORT AID PROGRAM Accounting and Reporting Requirements § 152.303 Financial management system. Each sponsor or planning agency shall establish and maintain a financial management system that...

  19. 40 CFR 30.21 - Standards for financial management systems.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 1 2010-07-01 2010-07-01 false Standards for financial management... Program Management § 30.21 Standards for financial management systems. (a) EPA shall require recipients to...) Recipients' financial management systems shall provide for the following. (1) Accurate, current and complete...

  20. A Review of Howard University's Financial Literacy Curriculum

    Science.gov (United States)

    Lindsey-Taliefero, Debby; Kelly, Lynne; Brent, William; Price, Russell

    2011-01-01

    This article evaluates a financial literacy curriculum at the Howard University (HU) School of Business, by measuring the financial knowledge acquired after participating in a variety of programs. To evaluate the HU curriculum, the National Jump$tart Coalition (NJC) survey was administered to collect data on financial knowledge and demographic…

  1. Optimization on the financial management of the bank with goal ...

    African Journals Online (AJOL)

    Financial management is crucial for planning bank's asset and liabilities while taking consideration for multiple objectives. The objective of this study is to develop a Goal Programming (GP) model to optimize the financial management of Public Bank Berhad in. Malaysia. Six goals from the financial statements namely total ...

  2. 14 CFR 152.325 - Financial status report: Airport planning.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Financial status report: Airport planning... agency conducting a project for airport system planning shall submit a financial status report on a form... TRANSPORTATION (CONTINUED) AIRPORTS AIRPORT AID PROGRAM Accounting and Reporting Requirements § 152.325 Financial...

  3. 45 CFR 205.130 - State financial participation.

    Science.gov (United States)

    2010-10-01

    ... ADMINISTRATION-PUBLIC ASSISTANCE PROGRAMS § 205.130 State financial participation. State plan requirements: (a) A State plan for financial assistance under title I, IV-A, X, XIV, or XVI (AABD) of the Social Security... 45 Public Welfare 2 2010-10-01 2010-10-01 false State financial participation. 205.130 Section 205...

  4. Introduction to Financial Projection Models. Business Management Instructional Software.

    Science.gov (United States)

    Pomeroy, Robert W., III

    This guidebook and teacher's guide accompany a personal computer software program and introduce the key elements of financial projection modeling to project the financial statements of an industrial enterprise. The student will then build a model on an electronic spreadsheet. The guidebook teaches the purpose of a financial model and the steps…

  5. 42 CFR 441.484 - Financial management services.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 4 2010-10-01 2010-10-01 false Financial management services. 441.484 Section 441... Optional Self-Directed Personal Assistance Services Program § 441.484 Financial management services. (a) States may choose to provide financial management services to participants, or their representatives, as...

  6. 25 CFR 276.8 - Financial reporting requirements.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Financial reporting requirements. 276.8 Section 276.8... ASSISTANCE ACT PROGRAM UNIFORM ADMINISTRATIVE REQUIREMENTS FOR GRANTS § 276.8 Financial reporting requirements. Requirements for grantees to report financial information to the Bureau, and to request advances...

  7. 24 CFR 5.801 - Uniform financial reporting standards.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Uniform financial reporting... and Urban Development GENERAL HUD PROGRAM REQUIREMENTS; WAIVERS Uniform Financial Reporting Standards § 5.801 Uniform financial reporting standards. (a) Applicability. This subpart H implements uniform...

  8. International financial reporting standards and financial reporting ...

    African Journals Online (AJOL)

    The results showed that financial reporting quality increased after the adoption of the IFRS for all the relevant proxies. The study concludes that the adoption of IFRS to enhance financial reporting quality while reducing the probability of earnings management practices could be beneficial in the long run to the Nigerian ...

  9. THE GLOBAL FINANCIAL CRISIS AND NATIONAL FINANCIAL ...

    African Journals Online (AJOL)

    language, globalization of finance is evident as the integration of the financial systems of many countries of the world. On the other hand, financial crisis describes ..... Berger, A. N (2000) “ The Ability of Banks to Lend to Informationally Opaque Small. Business” FRB Chicago Working Paper Series. Bossone, B.; Honohan, P.

  10. Financial Literacy, Confidence and Financial Advice Seeking

    NARCIS (Netherlands)

    Kramer, Marc M.

    2016-01-01

    We find that people with higher confidence in their own financial literacy are less likely to seek financial advice, but no relation between objective measures of literacy and advice seeking. The negative association between confidence and advice seeking is more pronounced among wealthy households.

  11. Laboratory for Atmospheres 2008 Technical Highlights

    Science.gov (United States)

    Cote, Charles E.

    2009-01-01

    The 2008 Technical Highlights describes the efforts of all members of the Laboratory for Atmospheres. Their dedication to advancing Earth Science through conducting research, developing and running models, designing instruments, managing projects, running field campaigns, and numerous other activities, is highlighted in this report. The Laboratory for Atmospheres (Code 613) is part of the Earth Sciences Division (Code 610), formerly the Earth Sun Exploration Division, under the Sciences and Exploration Directorate (Code 600) based at NASA s Goddard Space Flight Center in Greenbelt, Maryland. In line with NASA s Exploration Initiative, the Laboratory executes a comprehensive research and technology development program dedicated to advancing knowledge and understanding of the atmospheres of Earth and other planets. The research program is aimed at understanding the influence of solar variability on the Earth s climate; predicting the weather and climate of Earth; understanding the structure, dynamics, and radiative properties of precipitation, clouds, and aerosols; understanding atmospheric chemistry, especially the role of natural and anthropogenic trace species on the ozone balance in the stratosphere and the troposphere; and advancing our understanding of physical properties of Earth s atmosphere. The research program identifies problems and requirements for atmospheric observations via satellite missions. Laboratory scientists conceive, design, develop, and implement ultraviolet, infrared, optical, radar, laser, and lidar technology for remote sensing of the atmosphere. Laboratory members conduct field measurements for satellite data calibration and validation, and carry out numerous modeling activities. These modeling activities include climate model simulations, modeling the chemistry and transport of trace species on regional-to-global scales, cloud-resolving models, and development of next-generation Earth system models. Interdisciplinary research is carried

  12. Financial Integrity Benchmarks

    Data.gov (United States)

    City of Jackson, Mississippi — This data compiles standard financial integrity benchmarks that allow the City to measure its financial standing. It measure the City's debt ratio and bond ratings....

  13. Measuring financial market stress

    OpenAIRE

    Kevin L. Kliesen; Smith, Douglas C.

    2010-01-01

    Although the St. Louis Financial Stress Index suggests the level of financial stress in the markets has declined significantly since September 2008, the stress level remains modestly higher than average.

  14. Financial Key Ratios

    OpenAIRE

    Tănase Alin-Eliodor

    2014-01-01

    This article focuses on computing techniques starting from trial balance data regarding financial key ratios. There are presented activity, liquidity, solvency and profitability financial key ratios. It is presented a computing methodology in three steps based on a trial balance.

  15. CMS Financial Reports

    Data.gov (United States)

    U.S. Department of Health & Human Services — This section contains the annual CMS financial statements as required under the Chief Financial Officers (CFO) Act of 1990 (P.L. 101-576). The CFO Act marked a major...

  16. Financial Reporting of DLA-Owned Bulk Petroleum Products

    Science.gov (United States)

    2001-05-23

    FINANCIAL REPORTING OF DLA-OWNED BULK PETROLEUM PRODUCTS Report No. D-2001-126 May 23, 2001 Office of...34DD MON YYYY") Title and Subtitle Financial Reporting of DLA-Owned Bulk Petroleum Products Contract or Grant Number Program Element Number...the Chief Financial Officers Act of 1990, as amended by the Federal Financial Management Act of 1994. This is the fifth in a series of reports on the

  17. Using an Electronic Highlighter to Eliminate the Negative Effects of Pre-Existing, Inappropriate Highlighting

    Science.gov (United States)

    Gier, Vicki; Kreiner, David; Hudnell, Jason; Montoya, Jodi; Herring, Daniel

    2011-01-01

    The purpose of the present experiment was to determine whether using an active learning technique, electronic highlighting, can eliminate the negative effects of pre-existing, poor highlighting on reading comprehension. Participants read passages containing no highlighting, appropriate highlighting, or inappropriate highlighting. We hypothesized…

  18. Financial Markets and Compliance

    NARCIS (Netherlands)

    van de Laar, T.A.H.M.; Bleker, Sylvie; Houben, Raf

    2017-01-01

    This chapter will focus on the goals of financial market regulation through the rules of economics, the strategies financial regulation employs to achieve these goals and the insights this provides for the compliance profession. For an overview of the goals and strategies of financial regulation

  19. Financial Sector Assessment

    OpenAIRE

    World Bank; International Monetary Fund

    2017-01-01

    A joint International Monetary Fund (IMF)-World Bank mission visited Rabat and Casablanca in 2015, to assess the soundness and resilience of the banking system, the state of play in financial inclusion and infrastructure, the oversight frameworks for banking, capital markets and financial market infrastructures, crisis preparedness, and update the findings of the Financial Sector Assessme...

  20. Marketing Financial Aid

    Science.gov (United States)

    Huddleston, Thomas, Jr.; Batty, Burt F.

    1978-01-01

    Student financial assistance services are becoming a major part of the institutional marketing plan as traditional college-age students decline in numbers and price competition among institutions increases. The effect of financial aid on enrollment and admissions processes is discussed along with the role of the financial aid officer. (Author/LBH)

  1. Financial heat machine

    Science.gov (United States)

    Khrennikov, Andrei

    2005-05-01

    We consider dynamics of financial markets as dynamics of expectations and discuss such a dynamics from the point of view of phenomenological thermodynamics. We describe a financial Carnot cycle and the financial analog of a heat machine. We see, that while in physics a perpetuum mobile is absolutely impossible, in economics such mobile may exist under some conditions.

  2. Perceived financial status, health, and maladjustment in adolescence.

    Science.gov (United States)

    Hamilton, Hayley A; Noh, Samuel; Adlaf, Edward M

    2009-04-01

    This study examines the relationship between adolescent perception of family financial status and diverse aspects of health and maladjustment. Data were derived from the 2005 Ontario Student Drug Use Survey of 7th-12th grade students in ontario, Canada. This biennial survey monitors mental and physical health, substance use, and delinquent behavior in adolescent students. Results indicate that the significance of perceived financial status varies across adolescent outcomes. Greater emotional distress and lower self-rated health are associated with a perception of below average financial status. The associations of illicit drug use and hazardous and harmful drinking with perceived financial status vary for younger and older adolescents. Adjustments for parental education highlight differences in the influences of perceived financial status and parental education on health and behavior. Results highlight the utility of perceived family financial status in examinations of adolescent health and behavior, and the importance of examining diverse aspects of health and maladjustment.

  3. Does financial literacy improve financial inclusion? Cross country evidence

    OpenAIRE

    Grohmann, Antonia; Klühs, Theres; Menkhoff, Lukas

    2017-01-01

    While financial inclusion is typically addressed by improving the financial infrastructure we show that financial literacy, representing the demand-side of financial markets, also has a beneficial effect. We study this effect at the cross-country level, which allows to consider institutional variation. Regarding "access to finance", financial infrastructure and financial literacy are mainly substitutes. However, regarding the "use of financial services", the effect of higher financial literac...

  4. Two-Year Impacts of a Comprehensive Family Financial Rewards Program on Children's Academic Outcomes: Moderation by Likelihood of Earning Rewards

    Science.gov (United States)

    Berg, Juliette; Morris, Pamela; Aber, Larry

    2013-01-01

    This article examines the extent to which impacts of a conditional cash transfer (CCT) program on children's academic outcomes vary by key characteristics associated with families' propensity to earn the rewards offered by the program. We utilize an experimental study of Opportunity NYC-Family Rewards, a comprehensive CCT program in New York City…

  5. Sources of Financial Sociability

    DEFF Research Database (Denmark)

    Thompson, Grahame

    2011-01-01

    This article investigates the sources of sociability in modern financial systems as a prelude to assessing the prospects for financial regulation. Three sources are identified: sociality dependent upon contract, upon relational interdependency, and upon the operation of will and passion. Each...... of the article which is to explore further the nature of ‘irrationality’ as manifest in financial crises. When the contours of both these aspects of financial calculation have been elaborated, the article moves on to consider how they might shape regulatory responses to the seeming inevitability of financial...

  6. Book Review: "Financial Therapy: 5 Steps Toward Financial Freedom

    OpenAIRE

    Megan McCoy; D. Bruce Ross

    2013-01-01

    Financial Therapy: 5 Steps Toward Financial Freedom and its accompanying workbook, Guide to Financial Therapy Forms and Handouts: 5 Steps Toward Financial Freedom, was created to provide an intervention model to help clients become more financially literate and protect them from financial predators.

  7. Book Review: "Financial Therapy: 5 Steps Toward Financial Freedom

    Directory of Open Access Journals (Sweden)

    Megan McCoy

    2013-08-01

    Full Text Available Financial Therapy: 5 Steps Toward Financial Freedom and its accompanying workbook, Guide to Financial Therapy Forms and Handouts: 5 Steps Toward Financial Freedom, was created to provide an intervention model to help clients become more financially literate and protect them from financial predators.

  8. Essays on financial fragility and regulation

    NARCIS (Netherlands)

    Ma, K.

    2013-01-01

    This thesis investigates various issues in regulation, with three chapters on financial fragility and banking regulation, and one chapter on competition policy. Chapter 2 studies banks’ herding driven by their need for market liquidity, highlighting a trade-off between systemic risk and liquidity

  9. Financial bubbles analysis with a cross-sectional estimator

    OpenAIRE

    Frederic Abergel; Nicolas Huth; Ioane Muni Toke

    2009-01-01

    We highlight a very simple statistical tool for the analysis of financial bubbles, which has already been studied in [1]. We provide extensive empirical tests of this statistical tool and investigate analytically its link with stocks correlation structure.

  10. Fiscal deficits, financial fragility, and the effectiveness of government policies

    NARCIS (Netherlands)

    Kirchner, M.; van Wijnbergen, S.

    2012-01-01

    Recent macro developments in the euro area have highlighted the interactions between fiscal policy, sovereign debt, and financial fragility. We take a structural macroeconomic model with frictions in the financial intermediation process, in line with recent research, but introduce asset choice and

  11. Quarterly Financial Report for the period ending 30 September 2014

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

    Office 2004 Test Drive User

    2014-09-30

    Sep 30, 2014 ... condensed interim financial statements (beginning on page 11). Disclosures and information presented in IDRC's Annual Report 2013-2014 apply to the current quarter unless otherwise indicated. Performance. Figure 1: FINANCIAL HIGHLIGHTS. (for the six months ended 30 September). 92.7. 97.6. 114.8.

  12. Quarterly Financial Report for the period ending 30 June 2015

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

    Office 2004 Test Drive User

    2015-06-30

    Jun 30, 2015 ... 4 | IDRC'S QUARTERLY FINANCIAL REPORT — 1 April – 30 June 2015. TABLE 1: FINANCIAL HIGHLIGHTS. Consolidated overview. Revenues. TABLE 2: REVENUES. The Centre's revenues include the Parliamentary appropriation, donor contributions and other sources (that include investment returns ...

  13. Labuan, Malaysia; Assessment of the Supervision and Regulation of the Financial Sector—Review of Financial Sector Regulation and Supervision

    OpenAIRE

    International Monetary Fund

    2004-01-01

    This Review of Financial Sector Regulation and Supervision in Labuan, Malaysia, highlights the supervisory and antimoney laundering frameworks. Labuan, an offshore financial center located in Malaysia, has all the essential elements for a suitable framework for financial supervision. Nonperforming loans are relatively high in the banking sector, and demand for credit has been soft. Securities and capital market activities in Labuan are still embryonic, and the supervisory regime for this sect...

  14. FINANCIAL STABILITY REVIEW OF THE MICROFINANCE SECTOR IN MOLDOVA

    Directory of Open Access Journals (Sweden)

    Petru CATAN

    2013-06-01

    Full Text Available The objective of this article is to analyze the microfinance sector in Moldova, in terms of financial stability indicators. Thus, it highlights the main trends of development of microfinance institution in the last five years, as being reflected by the improvement of all indicators. Therefore in the paper the authors aim to present the most important methods of analyzing and assessing financial stability. Thus, ensuring financial stability constitutes lately a priority concern for the National Bank of Moldova (NBM, which is at the forefront of the national financial systems as well as the National Commission of Financial Market (NCFM. Indeed, with the responsibility of ensuring price stability, the central bank contributes to financial stability. A stable financial environment facilitates the achievement of price stability.

  15. Laboratory for Atmospheres: 2006 Technical Highlights

    Science.gov (United States)

    Stewart, Richard W.

    2007-01-01

    The 2006 Technical Highlights describes the efforts of all members of the Laboratory for Atmospheres. Their dedication to advancing Earth science through conducting research, developing and running models, designing instruments, managing projects, running field campaigns, and numerous other activities, are highlighted in this report.

  16. Financial Decision Making Support System

    OpenAIRE

    Lobanova, E. N.; Zmitrovich, A. I.; Voshevoz, A. A.; Krivko-Krasko, A. V.

    2010-01-01

    In this article we consider concepts and components of the Financial Decision Making System that is being developed in the Institute of Business and Management Technology, BSU. Such system can be successfully used either for training experts in financial analytics and financial management or for financial managers and financial directors in an enterprise for the effective financial decision making.

  17. Missouri Program Highlights How Standards Make a Difference

    Science.gov (United States)

    Killion, Joellen

    2017-01-01

    Professional development designed to integrate key features of research-based professional learning has positive and significant effects on teacher practice and student achievement in mathematics when implemented in schools that meet specified technology-readiness criteria. Key features of research-based professional learning include intensive…

  18. Highlights from STAR heavy ion program arXiv

    CERN Document Server

    Okorokov, V.A.

    Recent experimental results obtained in STAR experiment at the Relativistic heavy-ion collider (RHIC) with ion beams will be discussed. Investigations of different nuclear collisions in some recent years focus on two main tasks, namely, detail study of quark-gluon matter properties and exploration of the quantum chromodynamics (QCD) phase diagram. Results at top RHIC energy show clearly the collective behavior of heavy quarks in nucleus-nucleus interactions. Jet and heavy hadron measurements lead to new constraints for energy loss models for various flavors. Heavy-ion collisions are unique tool for the study of topological properties of theory as well as the magneto-hydrodynamics of strongly interacting matter. Experimental results obtained for discrete QCD symmetries at finite temperatures confirm indirectly the topologically non-trivial structure of QCD vacuum. Finite global vorticity observed in non-central Au+Au collisions can be considered as important signature for presence of various chiral effects in ...

  19. 36 CFR 1211.430 - Financial assistance.

    Science.gov (United States)

    2010-07-01

    ... GENERAL RULES NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited... members of a particular sex specified therein; Provided, that the overall effect of the award of such sex...

  20. 32 CFR 196.430 - Financial assistance.

    Science.gov (United States)

    2010-07-01

    ...) MISCELLANEOUS NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 196... members of a particular sex specified therein; Provided, that the overall effect of the award of such sex...

  1. 44 CFR 19.430 - Financial assistance.

    Science.gov (United States)

    2010-10-01

    ... HOMELAND SECURITY GENERAL NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or... that awards be made to members of a particular sex specified therein; Provided, that the overall effect...

  2. 7 CFR 15a.37 - Financial assistance.

    Science.gov (United States)

    2010-01-01

    ... Agriculture Office of the Secretary of Agriculture EDUCATION PROGRAMS OR ACTIVITIES RECEIVING OR BENEFITTING FROM FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs and... that awards be made to members of a particular sex specified therein: Provided, That the overall effect...

  3. Estimating Acceptability of Financial Health Incentives

    Science.gov (United States)

    Bigsby, Elisabeth; Seitz, Holli H.; Halpern, Scott D.; Volpp, Kevin; Cappella, Joseph N.

    2017-01-01

    A growing body of evidence suggests that financial incentives can influence health behavior change, but research on the public acceptability of these programs and factors that predict public support have been limited. A representative sample of U.S. adults (N = 526) were randomly assigned to receive an incentive program description in which the…

  4. The clinical, operational, and financial worlds of neonatal palliative care: A focused ethnography.

    Science.gov (United States)

    Williams-Reade, Jackie; Lamson, Angela L; Knight, Sharon M; White, Mark B; Ballard, Sharon M; Desai, Priti P

    2015-04-01

    Due to multiple issues, integrated interdisciplinary palliative care teams in a neonatal intensive care unit (NICU) may be difficult to access, sometimes fail to be implemented, or provide inconsistent or poorly coordinated care. When implementing an effective institution-specific neonatal palliative care program, it is critical to include stakeholders from the clinical, operational, and financial worlds of healthcare. In this study, researchers sought to gain a multidisciplinary perspective into issues that may impact the implementation of a formal neonatal palliative care program at a tertiary regional academic medical center. In this focused ethnography, the primary researcher conducted semistructured interviews that explored the perspectives of healthcare administrators, finance officers, and clinicians about neonatal palliative care. The perspectives of 39 study participants informed the identification of institutional, financial, and clinical issues that impact the implementation of neonatal palliative care services at the medical center and the planning process for a formal palliative care program on behalf of neonates and their families. Healthcare professionals described experiences that influenced their views on neonatal palliative care. Key themes included: (a) uniqueness of neonatal palliative care, (b) communication and conflict among providers, (c) policy and protocol discrepancies, and (d) lack of administrative support. The present study highlighted several areas that are challenging in the provision of neonatal palliative care. Our findings underscored the importance of recognizing and procuring resources needed simultaneously from the clinical, operational, and financial worlds in order to implement and sustain a successful neonatal palliative care program.

  5. Perspectives on Evaluation in Financial Education: Landscape, Issues, and Studies

    Science.gov (United States)

    Walstad, William; Urban, Carly; Asarta, Carlos J.; Breitbach, Elizabeth; Bosshardt, William; Heath, Julie; O'Neill, Barbara; Wagner, Jamie; Xiao, Jing Jian

    2017-01-01

    This review discusses the heterogeneity in the effectiveness of financial education programs that occurs because of the unique conditions for programs and methods to evaluate them. The authors define six groups served by financial education: children, youth, college students and young adults, working adults, military personnel, and low-income…

  6. Ohio Financial Services and Risk Management. Technical Competency Profile (TCP).

    Science.gov (United States)

    Ray, Gayl M.; Wilson, Nick; Mangini, Rick

    This document describes the essential competencies from secondary through post-secondary associate degree programs for a career in financial services and risk management. Ohio College Tech Prep Program standards are described, and a key to profile codes is provided. Sample occupations in this career area, such as financial accountant, loan…

  7. Scaling Up Financial Inclusion for Vulnerable Women and Youth ...

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

    Access to formal financial services can help the world's poorest people escape from poverty and reduce their vulnerability. This project will help increase the economic security of vulnerable women and youth by promoting financial inclusion programs that address the needs of the poorest. Social programs to change lives ...

  8. Using Highlighting to Train Attentional Expertise.

    Science.gov (United States)

    Roads, Brett; Mozer, Michael C; Busey, Thomas A

    2016-01-01

    Acquiring expertise in complex visual tasks is time consuming. To facilitate the efficient training of novices on where to look in these tasks, we propose an attentional highlighting paradigm. Highlighting involves dynamically modulating the saliency of a visual image to guide attention along the fixation path of a domain expert who had previously viewed the same image. In Experiment 1, we trained naive subjects via attentional highlighting on a fingerprint-matching task. Before and after training, we asked subjects to freely inspect images containing pairs of prints and determine whether the prints matched. Fixation sequences were automatically scored for the degree of expertise exhibited using a Bayesian discriminative model of novice and expert gaze behavior. Highlighted training causes gaze behavior to become more expert-like not only on the trained images but also on transfer images, indicating generalization of learning. In Experiment 2, to control for the possibility that the increase in expertise is due to mere exposure, we trained subjects via highlighting of fixation sequences from novices, not experts, and observed no transition toward expertise. In Experiment 3, to determine the specificity of the training effect, we trained subjects with expert fixation sequences from images other than the one being viewed, which preserves coarse-scale statistics of expert gaze but provides no information about fine-grain features. Observing at least a partial transition toward expertise, we obtain only weak evidence that the highlighting procedure facilitates the learning of critical local features. We discuss possible improvements to the highlighting procedure.

  9. County-by-County Financial and Staffing I-M-P-A-C-T. FY 1994-95 Basic Education Program.

    Science.gov (United States)

    North Carolina State Dept. of Public Instruction, Raleigh.

    This publication provides the basic statistics needed to illustrate the impact of North Carolina's Basic Education Program (BEP), an educational reform effort begun in 1985. Over 85% of the positions in the BEP are directly related to teaching and student-related activities. The new BEP programs result in smaller class sizes in kindergartens and…

  10. Does Participation in a Computer-Based Learning Program in Introductory Financial Accounting Course Lead to Choosing Accounting as a Major?

    Science.gov (United States)

    Owhoso, Vincent; Malgwi, Charles A.; Akpomi, Margaret

    2014-01-01

    The authors examine whether students who completed a computer-based intervention program, designed to help them develop abilities and skills in introductory accounting, later declared accounting as a major. A sample of 1,341 students participated in the study, of which 74 completed the intervention program (computer-based assisted learning [CBAL])…

  11. The Usefulness of Financial Statements in Making Financial Diagnosis

    OpenAIRE

    Mitica Pepi

    2016-01-01

    Our research aims to develop an analysis of the usefulness of financial statements and financial investment in making the diagnosis. Financial analysis is by definition an activity that performance condition is diagnosed entity of the financial year. Financial analysis shall be determined by strengths and weaknesses of financial management based on which will underpin future strategy of the entity to maintain and develop it into a competitive environment. Results of financial analysis depend...

  12. 76 FR 38059 - Defining Larger Participants in Certain Consumer Financial Products and Services Markets

    Science.gov (United States)

    2011-06-29

    ... Financial Products and Services Markets AGENCY: Bureau of Consumer Financial Protection. ACTION: Notice and.... For other markets for consumer financial products or services, the supervision program generally will... and assess risks to consumers and to the consumer financial markets.\\5\\ In implementing this...

  13. 36 CFR 230.39 - State priority plan-financial assistance.

    Science.gov (United States)

    2010-07-01

    ... with Federal financial accounting standards. If an existing cost-share program is used, a copy of the... 36 Parks, Forests, and Public Property 2 2010-07-01 2010-07-01 false State priority plan-financial...—financial assistance. (a) Cost-share financial assistance includes a wide range of activities and practices...

  14. 25 CFR 20.600 - Who can apply for financial assistance or social services?

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Who can apply for financial assistance or social services... FINANCIAL ASSISTANCE AND SOCIAL SERVICES PROGRAMS Administrative Procedures § 20.600 Who can apply for financial assistance or social services? (a) You can apply for financial assistance or social services under...

  15. Highlight: Knowledge-sharing meeting examines sustainability ...

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

    2016-04-14

    sharing meeting on September 30, 2015 to highlight the major findings of the IDRC-supported project "Improving food and livelihood security in Punjab through water-energy-agriculture management under climate change and ...

  16. Highlight: Knowledge-sharing meeting examines sustainability ...

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

    2015-09-30

    sharing meeting on September 30, 2015 to highlight the major findings of the IDRC-supported project "Improving food and livelihood security in Punjab through water-energy-agriculture management under climate change and ...

  17. Wood Machining Highlights, 1972 and 1973

    Science.gov (United States)

    C.W. McMillin

    1975-01-01

    Important wood machining research published during 1972 and 1973 is highlighted to provide the reader with a concise summary of activity in 17 fields of endeavor. The review is based on 427 references and contains 154 citations.

  18. Study Highlights the Beauty Industry's Ugly Side

    Science.gov (United States)

    ... html Study Highlights the Beauty Industry's Ugly Side Cosmetics, personal care products get little regulatory scrutiny To ... found that's not always the case. And, because cosmetics are woefully underregulated in the United States, and ...

  19. Protection policy for users of financial services. Conceptual basis

    Directory of Open Access Journals (Sweden)

    Adrián Zelaia Ulibarri

    2011-12-01

    Full Text Available The financial crisis has highlighted critical gaps in the protection of financial services users, both as depositors/investors as well as lenders. While the need to protect financial services users has become vital as a result of the financial crisis, lack of political action during the first three years of the crisis has caused certain scepticism. In-depth reflection is urgently needed on how to proceed with the over financing accumulated by families and firms to ensure a progressive reduction of the «systemic» risk in the least drastic manner possible.Received: 28.02.11Accepted: 29.03.11

  20. Financial Leasing: Problems and Prospects of Development in Ukraine

    Directory of Open Access Journals (Sweden)

    Ganna Gridina

    2017-09-01

    Full Text Available The article highlights the current state of the financial services market, in particular financial leasing, which is a form of intensification of the investment process in Ukraine. The main problems of financial leasing development and prospects of its development in Ukraine are revealed. The shortcomings and advantages of financial leasing and its characteristics are determined. The article assesses the state of the Ukrainian market of leasing services and identifies the main problems of its functioning. An estimation of the development of the number of leasing companies in Ukraine is made. It is established that the number of legal entities - lessors remains almost unchanged, but financial companies that provide financial leasing services are rapidly developing. It is substantiated that financial companies providing financial leasing services as universal institutions provide a wider range of financial services in crisis conditions; it serves as the basis for the growth of their number. In these circumstances, these financial institutions can take over the functions of banks and develop at the expense of a larger portfolio of financial services than in highly specialized institutions. Distribution of concluded financial leasing agreements is characterized by the fact that transport, agriculture and construction were the most significant decrease. The services sector, machine building and metallurgy were almost not influenced of the destructive processes. Extractive industry, in contrast to the rest of the industries, has increased the volumes of financial leasing contracts. In the course of the study, the hypothesis of the substitutability of bank lending by leasing was confirmed, which is confirmed by the growing number of financial companies providing financial leasing services while simultaneously reducing the number of banks.

  1. Using Highlighting to Train Attentional Expertise.

    Directory of Open Access Journals (Sweden)

    Brett Roads

    Full Text Available Acquiring expertise in complex visual tasks is time consuming. To facilitate the efficient training of novices on where to look in these tasks, we propose an attentional highlighting paradigm. Highlighting involves dynamically modulating the saliency of a visual image to guide attention along the fixation path of a domain expert who had previously viewed the same image. In Experiment 1, we trained naive subjects via attentional highlighting on a fingerprint-matching task. Before and after training, we asked subjects to freely inspect images containing pairs of prints and determine whether the prints matched. Fixation sequences were automatically scored for the degree of expertise exhibited using a Bayesian discriminative model of novice and expert gaze behavior. Highlighted training causes gaze behavior to become more expert-like not only on the trained images but also on transfer images, indicating generalization of learning. In Experiment 2, to control for the possibility that the increase in expertise is due to mere exposure, we trained subjects via highlighting of fixation sequences from novices, not experts, and observed no transition toward expertise. In Experiment 3, to determine the specificity of the training effect, we trained subjects with expert fixation sequences from images other than the one being viewed, which preserves coarse-scale statistics of expert gaze but provides no information about fine-grain features. Observing at least a partial transition toward expertise, we obtain only weak evidence that the highlighting procedure facilitates the learning of critical local features. We discuss possible improvements to the highlighting procedure.

  2. Brexit and UK-Based Financial Services

    OpenAIRE

    Sowels, Nicholas

    2017-01-01

    This article seeks to present the key issues which Brexit is raising for financial services based in the UK, as they appeared in early 2017: i.e. since the Government has made clear that Britain will leave both the EU and the Single Market. The article reviews the place of UK-based financial services internationally and with respect to the European Union. The article then looks at some of the main questions currently highlighted by the Brexit process, most notably the loss of “passporting rig...

  3. Advances in Financial Risk Management and Economic Policy Uncertainty: An Overview

    NARCIS (Netherlands)

    S.M. Hammoudeh (Shawkat); M.J. McAleer (Michael)

    2014-01-01

    markdownabstract__Abstract__ Financial risk management is difficult at the best of times, but especially so in the presence of economic uncertainty and financial crises. The purpose of this special issue on “Advances in Financial Risk Management and Economic Policy Uncertainty” is to highlight

  4. DOD Financial Management: Improvements Needed in the Navys Audit Readiness Efforts for Fund Balance with Treasury

    Science.gov (United States)

    2016-08-01

    DOD FINANCIAL MANAGEMENT Improvements Needed in the Navy’s Audit Readiness Efforts for Fund Balance with Treasury...Accountability Office Highlights of GAO-16-47, a report to congressional committees August 2016 DOD FINANCIAL MANAGEMENT Improvements Needed...Guidance to provide a standard methodology for DOD components to follow to improve financial management and achieve audit readiness, and designated

  5. Highlight summarization in golf videos using audio signals

    Science.gov (United States)

    Kim, Hyoung-Gook; Kim, Jin Young

    2008-01-01

    In this paper, we present an automatic summarization of highlights in golf videos based on audio information alone without video information. The proposed highlight summarization system is carried out based on semantic audio segmentation and detection on action units from audio signals. Studio speech, field speech, music, and applause are segmented by means of sound classification. Swing is detected by the methods of impulse onset detection. Sounds like swing and applause form a complete action unit, while studio speech and music parts are used to anchor the program structure. With the advantage of highly precise detection of applause, highlights are extracted effectively. Our experimental results obtain high classification precision on 18 golf games. It proves that the proposed system is very effective and computationally efficient to apply the technology to embedded consumer electronic devices.

  6. Remote effects of highlights on gloss perception.

    Science.gov (United States)

    Berzhanskaya, Julia; Swaminathan, Gurumurthy; Beck, Jacob; Mingolla, Ennio

    2005-01-01

    The perception of a glossy surface in a static monochromatic image can occur when a bright highlight is embedded in a compatible context of shading and a bounding contour. Some images naturally give rise to the impression that a surface has a uniform reflectance, characteristic of a shiny object, even though the highlight may only cover a small portion of the surface. Nonetheless, an observer's impression of gloss may be partial and nonuniform at image regions outside of a highlight. A rating scale and small probe points indicating image locations were used to investigate the differential perception of gloss within a single object. Gloss ratings given by observers were not uniform across a surface, but decreased as a function of distance from a highlight. When, by design, the distance from a highlight was uncoupled from the luminance value at corresponding probe points, the decrease in rated gloss correlated more with distance than with luminance change. Experiments also indicated that gloss ratings may change as a function of estimated surface distance, rather than as a function of image distance. Surface continuity affected gloss ratings, suggesting that surface and gloss processing are closely related.

  7. Financial Sector Assessment : Morocco

    OpenAIRE

    World Bank

    2003-01-01

    This Financial Sector Assessment (FSA) provides a summary of the policy priorities, and main findings intended to assist the Moroccan authorities in evaluating the country's financial system. It reviews the uneasy trade-off between concerns for stability, and development, suggesting Morocco's macroeconomic policies and practices as a whole tend to err more on the side of the concerns of pr...

  8. PRICING FINANCIAL PRODUCTS

    OpenAIRE

    Tom Valentine

    1998-01-01

    Deregulation of the financial system, and the significant heightening of competition that it produced, has directed attention to the way in which financial institutions price their products and services. Also, the loan losses of the nineties increased interest in the problems of pricing for risk.

  9. Radical Financial Innovation

    OpenAIRE

    Robert J. Shiller

    2004-01-01

    Radical financial innovation is the development of new institutions and methods that permit risk management to be extended far beyond its former realm, covering important new classes of risks. This paper compares past such innovation with potential future innovation, looking at the process that produced past success and the possibilities for future financial innovation.

  10. Optimal Fragile Financial Networks

    NARCIS (Netherlands)

    Castiglionesi, F.; Navarro, N.

    2007-01-01

    We study a financial network characterized by the presence of depositors, banks and their shareholders. Belonging to a financial network is beneficial for both the depositors and banks' shareholders since the return to investment increases with the number of banks connected. However, the network is

  11. Household financial behavior

    NARCIS (Netherlands)

    Brounen, Dirk; Koedijk, Kees; Pownall, Rachel

    2016-01-01

    Greater personal responsibility toward financial decision-making is being advocated on a global basis. Individuals and households are encouraged to take a more active approach to personal finance. In this paper, we examine behavioral factors, which lead households toward savings and financial

  12. Making sense of financialization

    NARCIS (Netherlands)

    van der Zwan, N.

    2014-01-01

    Since the early 2000s, scholars from a variety of disciplines have used the concept of financialization to describe a host of structural changes in the advanced political economies. Studies of financialization interrogate how an increasingly autonomous realm of global finance has altered the

  13. Financial Services Marketing.

    Science.gov (United States)

    Olson, Lucretia Maria

    This manual contains student assignments in the financial services area of the marketing process. The individualized competency-based materials are intended to enhance and supplement instruction or to provide the basis for a course of instruction by the teacher-coordinator. Information on skills needed in jobs in financial marketing is first…

  14. Consolidating Financial Statements.

    Science.gov (United States)

    Wood, Marcia R.

    This publication is designed to be a desktop reference and assist financial officers in both public and independent institutions of higher education in the preparation of consolidated financial statements. Chapter 1 covers generally accepted accounting principles and other accounting literature, and summarizes reporting rules of the Financial…

  15. Consumer Financial Protection Bureau

    Science.gov (United States)

    ... complaint Can’t fix a problem with a financial product or service? Submit a complaint. We’ll work to get ... NOV 13, 2017 Blog Thanking veterans for their service and supporting their financial well-being NOV 09, 2017 Press Release Agencies ...

  16. The financialization of art

    NARCIS (Netherlands)

    Velthuis, O.; Coslor, E.; Knorr Cetina, K.; Preda, A.

    2012-01-01

    This article examines the processes through which, since the 1970s, the art market has become more and more a niche market for financial investment, accepted as legitimate by mainstream finance and by economists. It shows that the financialization of art has been an evolving process, and is not yet

  17. THE GLOBAL FINANCIAL CRISIS AND NATIONAL FINANCIAL ...

    African Journals Online (AJOL)

    Abstract. This paper focuses on global financial crisis and its implications on the economy of nations. The questions asked to which answers were given among others include: Is the globalization of finance profitable against the backdrop of the failure of banking institutions in the United States of. America that has ...

  18. Pension Plan Types and Financial Literacy in Later Life.

    Science.gov (United States)

    Li, Yang; Burr, Jeffrey A; Miller, Edward Alan

    2017-09-09

    The ongoing shift from defined benefit (DB) to defined contribution (DC) pension plans means that middle-aged and older adults are increasingly being called upon to manage their own fiscal security in retirement. Yet, half of older Americans are financially illiterate, lacking the knowledge and skills to manage financial resources. This study investigates whether pension plan types are associated with varying levels of financial literacy among older Americans. Cross-sectional analyses of the 2010 Health and Retirement Study (HRS) (n = 1,281) using logistic and linear regression models were employed to investigate the association between different pension plans and multiple indicators of financial literacy. The potential moderating effect of gender was also examined. Respondents with DC plans, with or without additional DB plans, were more likely to correctly answer various financial literacy questions, in comparison with respondents with DB plans only. Men with both DC and DB plans scored significantly higher on the financial literacy index than women with both types of plans, relative to respondents with DB plans only. Middle-aged and older adults, who are incentivized by participation in DC plans to manage financial resources and decide where to invest pension funds, tend to self-educate to improve financial knowledge and skills, thereby resulting in greater financial literacy. This finding suggests that traditional financial education programs may not be the only means of achieving financial literacy. Further consideration should be given to providing older adults with continued, long-term exposure to financial decision-making opportunities.

  19. Quantifying the Financial Benefits of Multifamily Retrofits

    Energy Technology Data Exchange (ETDEWEB)

    Philbrick, D. [The Partnership for Advanced Residential Retrofit, Chicago, IL (United States); Scheu, R. [The Partnership for Advanced Residential Retrofit, Chicago, IL (United States); Brand, L. [The Partnership for Advanced Residential Retrofit, Chicago, IL (United States)

    2016-01-29

    Increasing the adoption of energy efficient building practices will require the energy sector to increase their understanding of the way that retrofits affect multifamily financial performance as well as how those indicators are interpreted by the lending and appraisal industries. This project analyzed building, energy, and financial program data as well as other public and private data to examine the relationship between energy efficiency retrofits and financial performance on three levels: building, city, and community. The project goals were to increase the data and analysis in the growing body of multifamily financial benefits work as well provide a framework for other geographies to produce similar characterization. The goals are accomplished through three tasks. Task one: A pre- and post-retrofit analysis of thirteen Chicago multifamily buildings. Task two: A comparison of Chicago income and expenses to two national datasets. Task three: An in-depth look at multifamily market sales data and the subsequent impact of buildings that undergo retrofits.

  20. Continuation of Solicitation for the Office of Science Financial Assistance Program - Notice DE-FG01-04ER04-01

    CERN Document Server

    2003-01-01

    "The Office of Science (SC) of the Department of Energy (DOE) hereby announces its continuing interest in receiving grant applications for support of work in the following program areas: Basic Energy Sciences, High Energy Physics, Nuclear Physics, Advanced Scientific Computing Research, Fusion Energy Sciences, Biological and Environmental Research, and Energy Research Analyses".

  1. Financial globalisation uncertainty/instability is good for financial development

    OpenAIRE

    Asongu, Simplice A.; Koomson, Isaac; Tchamyou, Vanessa S.

    2015-01-01

    Purpose – This study assesses the effect of time-dynamic financial globalisation uncertainty on financial development in 53 African countries for the period 2000-2011. Design/methodology/approach – Financial globalisation uncertainty is estimated as time-dynamic to capture business cycle disturbances while all dimensions identified by the Financial Development and Structure Database of the World Bank are employed, namely: financial depth (money supply and liquid liabilities), financial sy...

  2. Financial Stress, Financial Literacy, Counselling and the Risk of Homelessness

    OpenAIRE

    Adam Steen; David MacKenzie

    2013-01-01

    Poor financial literacy may lead to poor life choices. These life choices can create or contribute to financial stress with adverse consequences - not the least of which may be homelessness. These issues are relatively well understood, but there is limited research on the link between financial stress, financial literacy and counselling, and homelessness. Specifically, there has been little research on how improved financial literacy and appropriate financial counselling might hel...

  3. Financial Openness and Financial Development: An Analysis Using Indices

    OpenAIRE

    OZKOK, Zeynep

    2010-01-01

    This paper examines the link between financial openness and financial development through panel data analysis on advanced and emerging market countries. Using indices, financial openness together with institutional and educational variables explains a large part of the variation in financial development across countries and over time. Our analysis demonstrates that different indexing strategies serve in finding better measures for financial openness and financial development in comparison to ...

  4. Why Financial Advice Cannot Substitute for Financial Literacy?

    OpenAIRE

    M. Debbich

    2015-01-01

    This paper examines the ability of financial advice provided by sellers of financial services to substitute for financial literacy of customers. I set up a simple theoretical model in which an informed financial advisor communicates with a less informed customer of financial services. Given the existence of a conflict of interest from the advisor's perspective, the model predicts that only well financially sophisticated customers receive relevant information from the advisor. This fact tends ...

  5. EM international activities. February 1997 highlights

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1997-02-01

    EM International Highlights is a brief summary of on-going international projects within the Department of Energy`s Office of Environmental Management (EM). This document contains sections on: Global Issues, activities in Western Europe, activities in central and Eastern Europe, activities in Russia, activities in Asia and the Pacific Rim, activities in South America, activities in North America, and International Organizations.

  6. Naval Postgraduate School Historical Highlights 2010

    OpenAIRE

    Sanders, John

    2010-01-01

    The Dudley Knox Library provides historical highlights for the monthly publication, Update NPS. These "caption stories" blend archival photos and documents into a concise storyline to showcase the origin and evolution of NPS as well as achievements of the institution's leaders, faculy and alumni.

  7. Naval Postgraduate School Historical Highlights 2009

    OpenAIRE

    Sanders, John

    2009-01-01

    The Dudley Knox Library provides historical highlights for the monthly publication, Update NPS. These "caption stories" blend archival photos and documents into a concise storyline to showcase the origin and evolution of NPS as well as achievements of the institution's leaders, faculy and alumni.

  8. Naval Postgraduate School Historical Highlights 2008

    OpenAIRE

    Sanders, John

    2008-01-01

    The Dudley Knox Library provides historical highlights for the monthly publication, Update NPS. These "caption stories" blend archival photos and documents into a concise storyline to showcase the origin and evolution of NPS as well as achievements of the institution's leaders, faculy and alumni.

  9. Naval Postgraduate School Historical Highlights 2012

    OpenAIRE

    Sanders, John

    2012-01-01

    The Dudley Knox Library provides historical highlights for the monthly publication, Update NPS. These "caption stories" blend archival photos and documents into a concise storyline to showcase the origin and evolution of NPS as well as achievements of the institution's leaders, faculy and alumni.

  10. Palliativedrugs.com therapeutic highlights: gabapentin

    Directory of Open Access Journals (Sweden)

    Twycross Robert

    2003-01-01

    Full Text Available This is the second in a series of highlights drawn from the www.palliativedrugs.com website. The website provides free access to the Palliative Care Formulary, a monthly newsletter and a bulletin board for advice to be given and received. With almost 10,000 professional members it is the largest palliative care resource of its kind.

  11. Research highlights: printing the future of microfabrication.

    Science.gov (United States)

    Tseng, Peter; Murray, Coleman; Kim, Donghyuk; Di Carlo, Dino

    2014-05-07

    In this issue we highlight emerging microfabrication approaches suitable for microfluidic systems with a focus on "additive manufacturing" processes (i.e. printing). In parallel with the now-wider availability of low cost consumer-grade 3D printers (as evidenced by at least three brands of 3D printers for sale in a recent visit to an electronics store in Akihabara, Tokyo), commercial-grade 3D printers are ramping to higher and higher resolution with new capabilities, such as printing of multiple materials of different transparency, and with different mechanical and electrical properties. We highlight new work showing that 3D printing (stereolithography approaches in particular) has now risen as a viable technology to print whole microfluidic devices. Printing on 2D surfaces such as paper is an everyday experience, and has been used widely in analytical chemistry for printing conductive materials on paper strips for glucose and other electrochemical sensors. We highlight recent work using electrodes printed on paper for digital microfluidic droplet actuation. Finally, we highlight recent work in which printing of membrane-bound droplets that interconnect through bilayer membranes may open up an entirely new approach to microfluidic manufacturing of soft devices that mimic physiological systems.

  12. Brookhaven highlights - Brookhaven National Laboratory 1995

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1996-09-01

    This report highlights research conducted at Brookhaven National Laboratory in the following areas: alternating gradient synchrotron; physics; biology; national synchrotron light source; department of applied science; medical; chemistry; department of advanced technology; reactor; safety and environmental protection; instrumentation; and computing and communications.

  13. Brookhaven highlights, October 1979-September 1980

    Energy Technology Data Exchange (ETDEWEB)

    1980-01-01

    Highlights are given for the research areas of the Brookhaven National Laboratory. These areas include high energy physics, physics and chemistry, life sciences, applied energy science (energy and environment, and nuclear energy), and support activities (including mathematics, instrumentation, reactors, and safety). (GHT)

  14. 2013 Ukraine Enterprise Survey : Country Highlights

    OpenAIRE

    World Bank; International Finance Corporation

    2014-01-01

    The World Bank interviewed a representative sample of the private sector, composed of 1,002 establishments, between January and November 2013. The enterprise survey covers several aspects of the business environment as well as performance measures for each firm. This report presents following highlights from the survey: firm performance indicators point to a significant deterioration over ...

  15. The NSF National Science, Technology, Engineering, and Mathematics Education Digital Library (NSDL) Program: New Projects and a Progress Report; Lessons Learned: The Development of Electronic Reserves at the University of Calgary; A Challenging Future Awaits Libraries Able To Change: Highlights of the International Summer School on the Digital Library; DISA: Insights of an African Model for Digital Library Development; Organizing Ready Reference and Administrative Information with the Reference Desk Manager; Sue at the Field Museum.

    Science.gov (United States)

    Zia, Lee L.; Pearce, Linda; Prinsen, Jola G. B.; Ticer, B. V.; Peters, Dale; Pickover, Michele; Matylonek, John C.; Ottow, Carolyn; Reese, Terry

    2001-01-01

    Topics include: digital library projects in the National Science Foundation's NSDL program; an electronic reserve platform at the University of Calgary; highlights from the sixth International Summer School on the Digital Library; the Digital Imaging Project of South Africa; a database of local information at the Oregon State University library;…

  16. The instruments of financial planning

    OpenAIRE

    Durnov, V.

    2011-01-01

    The paper analyzes financial planning efficiency for enterprise management improvement. The author describes the system of financial tools and considers in detail financial planning methods, their strengths and weaknesses

  17. Financial instrument pricing using C++

    CERN Document Server

    Duffy, Daniel J

    2004-01-01

    One of the best languages for the development of financial engineering and instrument pricing applications is C++. This book has several features that allow developers to write robust, flexible and extensible software systems. The book is an ANSI/ISO standard, fully object-oriented and interfaces with many third-party applications. It has support for templates and generic programming, massive reusability using templates (?write once?) and support for legacy C applications. In this book, author Daniel J. Duffy brings C++ to the next level by applying it to the design and implementation of class

  18. Nonlinear Optimization with Financial Applications

    CERN Document Server

    Bartholomew-Biggs, Michael

    2005-01-01

    The book introduces the key ideas behind practical nonlinear optimization. Computational finance - an increasingly popular area of mathematics degree programs - is combined here with the study of an important class of numerical techniques. The financial content of the book is designed to be relevant and interesting to specialists. However, this material - which occupies about one-third of the text - is also sufficiently accessible to allow the book to be used on optimization courses of a more general nature. The essentials of most currently popular algorithms are described, and their performan

  19. Financial Performance of Rural Medicare ACOs.

    Science.gov (United States)

    Nattinger, Matthew C; Mueller, Keith; Ullrich, Fred; Zhu, Xi

    2018-12-01

    The Centers for Medicare & Medicaid Services (CMS) has facilitated the development of Medicare accountable care organizations (ACOs), mostly through the Medicare Shared Savings Program (MSSP). To inform the operation of the Center for Medicare & Medicaid Innovation's (CMMI) ACO programs, we assess the financial performance of rural ACOs based on different levels of rural presence. We used the 2014 performance data for Medicare ACOs to examine the financial performance of rural ACOs with different levels of rural presence: exclusively rural, mostly rural, and mixed rural/metropolitan. Of the ACOs reporting performance data, we identified 97 ACOs with a measurable rural presence. We found that successful rural ACO financial performance is associated with the ACO's organizational type (eg, physician-based) and that 8 of the 11 rural ACOs participating in the Advanced Payment Program (APP) garnered savings for Medicare. Unlike previous work, we did not find an association between ACO size or experience and rural ACO financial performance. Our findings suggest that rural ACO financial success is likely associated with factors unique to rural environments. Given the emphasis CMS has placed on rural ACO development, further research to identify these factors is warranted. © 2016 National Rural Health Association.

  20. Financial signal processing and machine learning

    CERN Document Server

    Kulkarni,Sanjeev R; Dmitry M. Malioutov

    2016-01-01

    The modern financial industry has been required to deal with large and diverse portfolios in a variety of asset classes often with limited market data available. Financial Signal Processing and Machine Learning unifies a number of recent advances made in signal processing and machine learning for the design and management of investment portfolios and financial engineering. This book bridges the gap between these disciplines, offering the latest information on key topics including characterizing statistical dependence and correlation in high dimensions, constructing effective and robust risk measures, and their use in portfolio optimization and rebalancing. The book focuses on signal processing approaches to model return, momentum, and mean reversion, addressing theoretical and implementation aspects. It highlights the connections between portfolio theory, sparse learning and compressed sensing, sparse eigen-portfolios, robust optimization, non-Gaussian data-driven risk measures, graphical models, causal analy...

  1. The effect of financial incentives on chlamydia testing rates: Evidence from a randomized experiment☆

    Science.gov (United States)

    Dolan, Paul; Rudisill, Caroline

    2014-01-01

    Financial incentives have been used in a variety of settings to motivate behaviors that might not otherwise be undertaken. They have been highlighted as particularly useful in settings that require a single behavior, such as appointment attendance or vaccination. They also have differential effects based on socioeconomic status in some applications (e.g. smoking). To further investigate these claims, we tested the effect of providing different types of non-cash financial incentives on the return rates of chlamydia specimen samples amongst 16–24 year-olds in England. In 2011 and 2012, we ran a two-stage randomized experiment involving 2988 young people (1489 in Round 1 and 1499 in Round 2) who requested a chlamydia screening kit from Freetest.me, an online and text screening service run by Preventx Limited. Participants were randomized to control, or one of five types of financial incentives in Round 1 or one of four financial incentives in Round 2. We tested the effect of five types of incentives on specimen sample return; reward vouchers of differing values, charity donation, participation in a lottery, choices between a lottery and a voucher and including vouchers of differing values in the test kit prior to specimen return. Financial incentives of any type, did not make a significant difference in the likelihood of specimen return. The more deprived individuals were, as calculated using Index of Multiple Deprivation (IMD), the less likely they were to return a sample. The extent to which incentive structures influenced sample return was not moderated by IMD score. Non-cash financial incentives for chlamydia testing do not seem to affect the specimen return rate in a chlamydia screening program where test kits are requested online, mailed to requestors and returned by mail. They also do not appear more or less effective in influencing test return depending on deprivation level. PMID:24373390

  2. The effect of financial incentives on chlamydia testing rates: evidence from a randomized experiment.

    Science.gov (United States)

    Dolan, Paul; Rudisill, Caroline

    2014-03-01

    Financial incentives have been used in a variety of settings to motivate behaviors that might not otherwise be undertaken. They have been highlighted as particularly useful in settings that require a single behavior, such as appointment attendance or vaccination. They also have differential effects based on socioeconomic status in some applications (e.g. smoking). To further investigate these claims, we tested the effect of providing different types of non-cash financial incentives on the return rates of chlamydia specimen samples amongst 16-24 year-olds in England. In 2011 and 2012, we ran a two-stage randomized experiment involving 2988 young people (1489 in Round 1 and 1499 in Round 2) who requested a chlamydia screening kit from Freetest.me, an online and text screening service run by Preventx Limited. Participants were randomized to control, or one of five types of financial incentives in Round 1 or one of four financial incentives in Round 2. We tested the effect of five types of incentives on specimen sample return; reward vouchers of differing values, charity donation, participation in a lottery, choices between a lottery and a voucher and including vouchers of differing values in the test kit prior to specimen return. Financial incentives of any type, did not make a significant difference in the likelihood of specimen return. The more deprived individuals were, as calculated using Index of Multiple Deprivation (IMD), the less likely they were to return a sample. The extent to which incentive structures influenced sample return was not moderated by IMD score. Non-cash financial incentives for chlamydia testing do not seem to affect the specimen return rate in a chlamydia screening program where test kits are requested online, mailed to requestors and returned by mail. They also do not appear more or less effective in influencing test return depending on deprivation level. Copyright © 2014 The Authors. Published by Elsevier Ltd.. All rights reserved.

  3. Twin specialization in legal and financial translation: links and training needs in Spain

    OpenAIRE

    Alcalde Peñalver, Elena

    2016-01-01

    In this article, a set of results from a doctoral thesis by the author is presented on the academic and professional situation of financial translation in Spain. The review of the literature on financial translation highlights the immense importance attached to specialization in the subject area of finance for professional practice. Nevertheless, the results of the survey distributed to financial translators, employers requiring financial translation services and teachers in charge of financi...

  4. Framing financial culture

    DEFF Research Database (Denmark)

    Just, Sine Nørholm; Mouton, Nicolaas T.O.

    2014-01-01

    between competing frames leads to the conclusion that this political “blame game” is related to struggles over how to define the scandal, how to conceptualize its causes, and policy recommendations. Banks may have lost the battle of “Liborgate,” but the war over the meaning of financial culture is far...... from over. Originality/value – The paper is theoretically and methodologically original in its combination of the theories of framing and stasis, and it provides analytical insights into how sense is made of financial culture in the wake of the financial crisis....

  5. Preventing Financial Crime

    DEFF Research Database (Denmark)

    Boll, Karen

    This paper investigates the Swedish tax authority’s (Skatteverkets) compliance initiative called Preventing Financial Crime. In Sweden tax evasion related to organised moon-lighting is defined as a major risk to the revenue collection and to the legitimacy of Skatteverket. The traditional approach...... to abating such tax evasion has been reformed and a new mix-method approach adopted. This approach combines a proactive strategy—Preventing Financial Crime—with a reactive inspection strategy. During one a month of intensive fieldwork in Sweden, I studied the daily work in Preventing Financial Crime. Based...

  6. Towards a Moon Village : Community Workshops Highlights

    Science.gov (United States)

    Foing, Bernard H.

    2016-07-01

    influence towards the program and their attitude towards it. Complex system innovations like the Moon Village initiative often encounter stiff resistance from intended beneficiaries and stakeholders, because they disrupt existing behaviors, organizational structures and business models. However, if this large-scale change is rather approached as two simultaneous and parallel challenges - the design of the artifact in question and the design of the intervention that brings it to life - the chances that it will take hold will increase. Finally, the group recommended actions to be taken by the ESA DG to engage the most direct stakeholders: The general public should be addressed on an emotional level, human centered design thinking and social movement design should be used to engage the civic society. When engaging with the Moon Village stakeholders, the emotional resonance of Moon Village's value proposition should be taken into account as much as its scientific and technical requirements. This involves (social) media, art and humanities and, for the long term, also investments on education. In this way, a social excitement similar as for the Apollo program might be triggered, which can be used by the member states to engage with their national politicians and convince their taxpayers of the Moon Village's benefits. ESA should invest on the creation of a European new Space industry (similar to the one in the U.S.) and therefore simplify their processes in order to make it easier for the industry to invest and work with ESA with less bureaucracy. In order to succeed in this large-scale international collaboration, a political & legal framework needs to be established. It is recommended to push for an International Moon Village Treaty agreement at the U.N. and to start a conversation about the Moon Village at the UNCOPUOS, so the delegations and member states can start providing ESA with their political and legal inputs. The aim should be to present a sound concept already at

  7. Planning and Financial Literacy: How Do Women Fare?

    OpenAIRE

    Annamaria Lusardi

    2006-01-01

    This study uses data from the module on planning and financial literacy devised for the Health and Retirement Study in 2004. It finds that women display much lower levels of literacy than respondents in the total sample. Lack of literacy has implications for planning: women who are less financially literate are less likely to plan for retirement and be successful planners. These findings have important implications for policy and for programs aimed at fostering financial security. Because fin...

  8. Applications of polynomial optimization in financial risk investment

    Science.gov (United States)

    Zeng, Meilan; Fu, Hongwei

    2017-09-01

    Recently, polynomial optimization has many important applications in optimization, financial economics and eigenvalues of tensor, etc. This paper studies the applications of polynomial optimization in financial risk investment. We consider the standard mean-variance risk measurement model and the mean-variance risk measurement model with transaction costs. We use Lasserre's hierarchy of semidefinite programming (SDP) relaxations to solve the specific cases. The results show that polynomial optimization is effective for some financial optimization problems.

  9. Agencies Need Improved Financial Data Reporting for Private Security Contractors

    Science.gov (United States)

    2008-10-30

    OFFICE OF THE SPECIAL INSPECTOR GENERAL FOR IRAQ RECONSTRUCTION AGENCIES NEED IMPROVED FINANCIAL DATA REPORTING FOR PRIVATE SECURITY...SUBTITLE Agencies Need Improved Financial Data Reporting for Private Security Contractors 5a. CONTRACT NUMBER 5b. GRANT NUMBER 5c. PROGRAM...IMPROVED FINANCIAL DATA REPORTING FOR PRIVATE SECURITY CONTRACTORS What SIGIR Found DoD, DoS, and USAID have not been required to

  10. Asset-building, financial self-management service model: piecing together consumer financial independence.

    Science.gov (United States)

    Swarbrick, Margaret

    2006-10-01

    This program represents an innovative approach to traditional money-management services. This asset-building, financial self-management service model has the potential to positively affect recovery, self-sufficiency, and community integration for people with mental illnesses. It is hoped this program will be replicated by other providers in a way that may effect systems change.

  11. Trends and highlights of VCI 2004

    CERN Document Server

    Fabjan, Christian Wolfgang

    2004-01-01

    This report attempts to summarize the presentations given at this conference. Topics related to R&D of gaseous and solid state detectors clearly point to several trends in particle physics instrumentation. More established techniques are represented by reports on recent experiments and facilities which can be considered the highlights in this research field. The extension of these techniques to space, arctic ice and deep sea are opening new frontiers of particle physics.

  12. Highlights from the LHC Energy frontier

    CERN Document Server

    Su, Dong; The ATLAS collaboration

    2017-01-01

    This presentation at the Lake Louise Winter Institute 2017 opening session will introduce the highlights of the recent ATLAS and CMS physics results during the 2015-2016 Run 2 at 13 TeV. The physics topics include electroweak physics, top quark, new physics searches and Higgs physics to lead out the sessions to follow on these topics. As the opening talk, brief status of LHC and the ATLAS and CMS experiments will also be included.

  13. Physics highlights of a tau charm factory

    Energy Technology Data Exchange (ETDEWEB)

    Gonzalez-Romero, E.M. (CIEMAT Investigacion Basica, Div. Fisica de Particulas, Madrid (Spain))

    1993-06-07

    After the very recent proposal from the Spanish Government to build a Tau-Charm Factory, in this talk, I give a fast overview of the characteristics and experimental conditions available in such a laboratory. Some of the more relevant measurements unique to this facility are highlighted for the three main fields of experimentation: Tau physics, Charmed mesons physics and the J/[Psi] and [Psi]' resonances. (orig.)

  14. Action Classification and Highlighting in Videos

    OpenAIRE

    Torabi, Atousa; Sigal, Leonid

    2017-01-01

    Inspired by recent advances in neural machine translation, that jointly align and translate using encoder-decoder networks equipped with attention, we propose an attentionbased LSTM model for human activity recognition. Our model jointly learns to classify actions and highlight frames associated with the action, by attending to salient visual information through a jointly learned soft-attention networks. We explore attention informed by various forms of visual semantic features, including tho...

  15. Understanding Sources of Financial Support for Adult Learners

    Science.gov (United States)

    Dougherty, B. Christopher; Woodland, Richard

    2009-01-01

    Understanding the dynamics of financial support for continuing higher education students requires an understanding of the numerous programs that support adult learners. These include basic and family literacy programs, workforce education programs, programs administered under the auspices of the U.S. Department of Veterans Affairs, Title IV…

  16. FINANCIAL PERFORMANCES MEASUREMENT TOOLS

    National Research Council Canada - National Science Library

    BÎRCĂ ALIONA

    2016-01-01

    ... of objectives in line with the strategic policies of the entity. Measuring the financial performance without considering the strategic, tactical and operational objectives does not provide a real situation...

  17. Morocco - Financial Services

    Data.gov (United States)

    Millennium Challenge Corporation — The final evaluation of the Financial Services Project (FSP), undertaken by North South Consultants Exchange (NSCE), was undertaken from 17 April to end of September...

  18. Financial Services Industry

    National Research Council Canada - National Science Library

    Arezo, Gullab; Billingslea, Willie D; Brooks, James V; Brown, Jeffery D; Cotton, Cheryl; Determan, Deborah A; Dzurenko, Monte S; Egentowich, John; Greenwald, Michael N; Keegan, Matthew

    2006-01-01

    .... The financial services industry impacts the daily lives of all Americans. They rely on it to save for their retirement and their children's education, pay their bills, insure against risks, and buy their homes and automobiles...

  19. Financial Analysts’ Forecasts

    DEFF Research Database (Denmark)

    Stæhr, Simone

    This thesis is broadly concentrated on decision making under uncertainty. It seeks to investigate how agents in financial markets make decisions at the individual level and how these decisions can sometimes be affected by personal traits and cognitive biases rather than being perfectly rational....... The primary focus is on financial analysts in the task of conducting earnings forecasts while a secondary focus is on investors’ abilities to interpret and make use of these forecasts. Simply put, financial analysts can be seen as information intermediators receiving inputs to their analyses from firm...... in the decision making and the magnitude of these constraints does sometimes vary with personal traits. Therefore, to the extent that financial analysts are subjects to behavioral biases their outputs to the investors are likely to be biased by their interpretation of information. Because investors need accuracy...

  20. Basic Financial Accounting

    DEFF Research Database (Denmark)

    Wiborg, Karsten

    This textbook on Basic Financial Accounting is targeted students in the economics studies at universities and business colleges having an introductory subject in the external dimension of the company's economic reporting, including bookkeeping, etc. The book includes the following subjects...

  1. THE FINANCIAL REPORTING PARADIGM

    National Research Council Canada - National Science Library

    F R (Rhys) Robinson

    2015-01-01

    .... This is particularly the case when an organisation grows in size and complexity, and you are still required to use spreadsheets for the main function of consolidation and reporting of financial results...

  2. FINANCIAL CRISES AND TURKEY

    Directory of Open Access Journals (Sweden)

    MERT URAL

    2013-06-01

    Full Text Available Since the last three decades, in developed and developing counties the liberalization and openness efforts have been witnessed. However, financial liberalization attempts (both internal and external without having macroeconomic stability lead to financial crises in many developing countries. Macroeconomic instabilities create fragile financial markets paving the way for future economic crises. The Turkish Economy, completed the liberalization process with foreign trade liberalization in 1980 and by removing controls on capital accounts in 1989. However, since 1990’s economy got into ‘growth-instability-crisis’ vicious circle, because of the fluctuations in the financial structure. By employing a factor analysis (principal components analysis, this work, aims to obtain the factors that effect crises in Turkey.

  3. Financial Performance Analysis Of Financial Service Cooperative

    Directory of Open Access Journals (Sweden)

    Eyo Asro Sasmita

    2015-08-01

    Full Text Available This research is aimed to test and identify empirical evidence regarding the effect of capital structure and loan to financial performance of cooperative where the relationship between loan and financial performance is moderated by non-performing loan. The population of this research is 257 Financial Service Cooperative hereinafter referred to as KJK as the abbreviation for Koperasi Jasa Keuangan of Urban Village Community Economic Empowerment hereinafter referred to as PEMK as the abbreviation for Pemberdayaan Ekonomi Masyarakat Kelurahan in Jakarta 2011 to 2013. Sample is determined by using purposive sampling method. The data is secondary data which is obtained from the Revolving Fund Management Unit hereinafter referred to as UPDB as the abbreviation for Unit Pengelola Dana Bergulir Jakarta. Hypothesis is tested by using multiple linear regression analysis with SPSS 20.00. The number of sample used in this research is 120. Research findings explain that 1 Capital Structure hereinafter referred to as SM as the abbreviation for Struktur Modal has positive and significant impact on financial performance hereinafter referred to as KIN as the abbreviation for Kinerja Keuangan because the probability value of 0000 is smaller than amp945 0.05. Calculation shows that if the capital structure rises 1 assuming that the loan and non-performing loan variables remain the same then the financial performance will increase 0.017. 2 Loans hereinafter referred to as PIN as the abbreviation for Pinjaman given has positive and significant impact on KIN because the probability value of 0001 is smaller than amp945 0.05. If the loan rises 1 assuming that the capital structure and non-performing loan variables remain the same then the KIN will increase 0.013. 3 Non-performing loan has negative and significant effect on KIN because the probability value of 0000 is smaller than amp945 0.05. PBR varible increase 1 assuming that the loan and capital structure variables

  4. FINANCIAL PERFORMANCE VERSUS NON FINANCIAL PERFORMANCE. CASE STUDY AT ANTIBIOTICE TRADING COMPANY IASI

    Directory of Open Access Journals (Sweden)

    Beleneºi Mãrioara

    2012-07-01

    Full Text Available The actual economical conditions, the effect of global crisis and the efforts to pass this turning point, does force trading companies toward an extremely balanced management of performance. Now, when financial indicators are neither so spectacular nor so relevant, and when the principles of a durable development are mentioned over and over, the exigencies of companies’ external environment are higher and higher. This reality does force the companies to pay more attention to social responsibilities’ assuming and investment into green innovation, as well as to the field of information’s communication in a relevant way, which should gather financial, social and environment information. The absence of a normalized balance of financial and non-financial indicators used in measuring companies’ global performance, does allow them selecting of “agreed” indicators which should reflect the company under the light of high performance. But, the same reason urges the searcher for some research studies of the most adequate diagnostic model of global performance, which should faithfully reflect company’s current status. The purpose of this study is to measure the global performance of ANTIBIOTICE Trading Company, taking into account, both financial and non-financial indicators for a period of 5 years. For the financial years 2006 and 2008 company’s global performance is an acceptable one, while for the financial years 2007, 2009 and 2010 the global performance is a medium one. It should be highlighted the lack of involvement or transparency regarding social and environment responsibility in 2006 and weak financial performance in 2008, indicators which positioned the company to an acceptable level.

  5. FINANCIAL ACCOUNTING QUALITY AND ITS DEFINING CHARACTERISTICS

    OpenAIRE

    Andra M. ACHIM; Anca O. CHIŞ

    2014-01-01

    The importance ofhigh-quality financial statements is highlighted by the main standard-setting institutions activating in the field of accounting and reporting. These have issued Conceptual Frameworks which state and describe the qualitative characteristics of accounting information. In this qualitative study, the research methodology consists of reviewing the literature related to the definition of accounting quality and striving for understanding how it can be explained. The main objective ...

  6. MANAGING CUSTOMER RELATIONSHIP WITHIN FINANCIAL ORGANISATIONS

    OpenAIRE

    Hasan Hanic; Ivana Domazet

    2011-01-01

    The paper points out the key market changes in the first decades of the twenty-first century and their implications on business philosophy, concepts, principles and techniques of relationship marketing from the point of making strategic marketing decisions within financial organizations. In this context points are made to the important role of information and communication technologies (ICT) in accomplishing executive and creative marketing activities, highlighting the analysis of the process...

  7. Financial Resources of NGOs

    Directory of Open Access Journals (Sweden)

    Nicoleta Ciucescu

    2012-12-01

    Full Text Available Due to the low funding levels registered in recent years in the NGO sector in Romania, many NGOs have faced a number of difficulties, some of them have ceased to carry on business. Financial position of the governmental sector is poor, especially for large organizations that are strictly dependent on foreign funds. For the good functioning of NGOs activity, it is requiring a constant concern for finacial fundraising. The article aims to present the diversity of financial resources of NGOs.

  8. THE 2012 FINANCIAL REGULATION: BUILDING THE CATHEDRAL OF EU LEGITIMACY?

    Directory of Open Access Journals (Sweden)

    María-Luisa SANCHEZ-BARRUECO

    2014-05-01

    Full Text Available The quest for enhanced financial accountability is a by-product of the financial crisis that hits Europe since 2008. Attention to sound financial management and its links to overall EU legitimacy has skyrocketed from the vocabulary of clerks and auditors up to top-level strategic documents, including recent Conclusions of the European Council. This trend evidences that the focus on democratic legitimacy in the European Union should shift away from the traditional input-output legitimacy dilemma and towards the so-called throughput or systemic legitimacy. Systemic legitimacy provides the citizen with assurances that the system (she is requested to trust is well-functioning and answerable to the people; however, the definition of its scope proves ellusive among scholars. This paper takes account of the relevant literature and concludes that financial accountability remains at the core of systemic legitimacy. From a legal perspective, financial accountability in the EU is incidentally mentioned in the Treaties, and further ensured by secondary legislation. The EU Financial Regulation, also known as the “EU Financial Bible” stands out from the legal framework governing financial management of the EU budget. Since its adoption in 1977, the EU Financial Regulation has been subject to two major revisions. The first one led to the adoption of Council Regulation 1605/2002 and represented then an attempt to regain citizens’ trust on financial accountability after the serious backlash brought about by the resignation of the Santer Commission in 1999. More recently, the Financial Regulation has been revamped through Regulation 966/2012 of the European Parliament and the Council. Following a qualitative and comparative approach, this paper highlights the main changes that have been introduced in the legal framework on financial management, with a view to assessing their potential contribution to improvement in financial accountability and, by ricochet

  9. Financial Coaching's Potential for Enhancing Family Financial Security

    Science.gov (United States)

    Collins, J. Michael; Olive, Peggy; O'Rourke, Collin M.

    2013-01-01

    Financial coaching is an emerging complement to financial education and counseling. As defined in this article, financial coaching is a process whereby participants set goals, commit to taking certain actions by specific dates, and are then held accountable by the coach. In this way, financial coaching is designed to help participants bridge the…

  10. 44 CFR 300.3 - Financial assistance.

    Science.gov (United States)

    2010-10-01

    ... HOMELAND SECURITY PREPAREDNESS DISASTER PREPAREDNESS ASSISTANCE § 300.3 Financial assistance. (a) The... Program, Disaster Application Center operations, damage assessment, etc.; (4) Handbooks to implement State... reduce vulnerability to natural hazards. (11) Plans or procedures for dealing with disasters not...

  11. Breaking Bad Habits: Navigating the Financial Crisis

    Science.gov (United States)

    Jones, Dennis; Wellman, Jane

    2010-01-01

    The "Great Recession" of 2009 has brought an unprecedented level of financial chaos to public higher education in America. Programs are being reduced, furloughs and layoffs are widespread, class sizes are increasing, sections are being cut, and students can't get into classes needed for graduation. Reports of budget cuts in public…

  12. 22 CFR 146.430 - Financial assistance.

    Science.gov (United States)

    2010-04-01

    ... Foreign Relations DEPARTMENT OF STATE CIVIL RIGHTS NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in... therein; Provided, that the overall effect of the award of such sex-restricted scholarships, fellowships...

  13. 22 CFR 229.430 - Financial assistance.

    Science.gov (United States)

    2010-04-01

    ... Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in... therein; Provided, that the overall effect of the award of such sex-restricted scholarships, fellowships...

  14. An automated library financial management system

    Science.gov (United States)

    Dueker, S.; Gustafson, L.

    1977-01-01

    A computerized library acquisition system developed for control of informational materials acquired at NASA Ames Research Center is described. The system monitors the acquisition of both library and individual researchers' orders and supplies detailed financial, statistical, and bibliographical information. Applicability for other libraries and the future availability of the program is discussed.

  15. 24 CFR 3.430 - Financial assistance.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Financial assistance. 3.430 Section 3.430 Housing and Urban Development Office of the Secretary, Department of Housing and Urban Development NONDISCRIMINATION ON THE BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL...

  16. Student Centered Financial Services: Innovations That Succeed

    Science.gov (United States)

    Sinsabaugh, Nancy, Ed.

    2007-01-01

    This collection of best practices shares how 18 higher education institutions across the country have successfully evaluated and redesigned their student financial services programs to improve services to students and their parents and find cost savings for the institution. This volume illustrates how other institutions have successfully tackled…

  17. THE FINANCIAL SECTOR IN THE FINANCIAL SYSTEM ECONOMY: THEORETICAL ASPECTS

    Directory of Open Access Journals (Sweden)

    Yu. Kovalenko

    2015-06-01

    Full Text Available Broad and narrow approaches of the financial system are obtained. The difference between the financial system and the financial sector (the fi-nancial corporations sector is shown. Organizational and institutional matrix of the financial system of the economy is proposed. Key positions of institutional sectors classification of Ukraine’s economy are analyzed, as well as the System of National Accounts with respect to the financial sec-tor of corporations. The structure of the sector of financial corporations in Ukraine is defined.

  18. Medicaid program; cost limit for providers operated by units of government and provisions to ensure the integrity of federal-state financial partnership. Final rule with comment period.

    Science.gov (United States)

    2007-05-29

    This regulation clarifies that entities involved in the financing of the non-Federal share of Medicaid payments must be a unit of government; clarifies the documentation required to support a Medicaid certified public expenditure; limits Medicaid reimbursement for health care providers that are operated by units of government to an amount that does not exceed the health care provider's cost of providing services to Medicaid individuals; requires all health care providers to receive and retain the full amount of total computable payments for services furnished under the approved Medicaid State plan; and makes conforming changes to provisions governing the State Child Health Insurance Program (SCHIP) to make the same requirements applicable, with the exception of the cost limit on reimbursement. The Medicaid cost limit provision of this regulation does not apply to: Stand-alone SCHIP program payments made to governmentally-operated health care providers; Indian Health Service (IHS) facilities and tribal 638 facilities that are paid at the all-inclusive IHS rate; Medicaid Managed Care Organizations (MCOs), Prepaid Inpatient Health Plans (PIHPs), and Prepaid Ambulatory Health Plans (PAHPs); Federally Qualified Health Centers (FQHCs) and Rural Health Clinics (RHCs). Moreover, disproportionate share hospital (DSH) payments and payments authorized under Section 701(d) and Section 705 of the Benefits Improvement Protection Act of 2000 are not subject to the newly established Medicaid cost limit for governmentally-operated health care providers. Except as noted above, all Medicaid payments and SCHIP payments made under the authority of the State plan and under waiver and demonstration authorities, as well as associated State Medicaid and SCHIP financing arrangements, are subject to all provisions of this regulation. Finally, this regulation solicits comments from the public on issues related to the definition of the Unit of Government.

  19. 24 CFR 901.35 - Indicator #6, financial management.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Indicator #6, financial management... URBAN DEVELOPMENT PUBLIC HOUSING MANAGEMENT ASSESSMENT PROGRAM § 901.35 Indicator #6, financial management. This indicator examines the amount of cash reserves available for operations and, for PHAs...

  20. 50 CFR 253.14 - Economic and financial requirements.

    Science.gov (United States)

    2010-10-01

    ... 50 Wildlife and Fisheries 7 2010-10-01 2010-10-01 false Economic and financial requirements. 253... Obligation Guarantee Program § 253.14 Economic and financial requirements. (a) Income and expense projections... protect the U.S. against the industry's cyclical economics and other risks of loss. (b) Working capital...

  1. How Teacher Educators Can Address Our Nation's Financial Crisis

    Science.gov (United States)

    Dowdell, John; McElfresh, Dwight; Sikula, John

    2009-01-01

    This article from Ashland University reports on what one university, well known for its Teacher Education programs, is doing in an economically depressed state to address our country's financial crisis. Ohio has mandated that financial literacy be taught in high schools by 2010. Reported herein is what is being done to prepare teachers for this…

  2. ANALYSIS OF THE INFLUENCE OF A COMPANY’S INDEBTEDNESS ON THE FINANCIAL RISK

    Directory of Open Access Journals (Sweden)

    LĂPĂDUȘI MIHAELA LOREDANA

    2015-06-01

    Full Text Available Awareness of indebtedness and financial risk represents a great importance not only for the management of the company but also for creditors, investors, institutional investors, rating agencies, etc. An indebtedness analysis implies its effect on financial risk through financial lever coefficient or the financial lever. A financial lever is a notion originating in physics and it is the force that is applied in order to give a boost of a process or a phenomenon. However, in economics that notion was adapted and can be regarded as the strenght of different financial categories, financial instruments used in order to give a boost in a certain sense to various economic processes or activities in order to achieve the established objectives. More specifically we can say that the financial lever or the financial leverage expresses the impact of the financial structure over the company’s profitability. The research aims at analysing indebtedness and its influence over the financial risk and all the aspects underlined in the present article will prove the assumption that a company's performance and its capacity to produce profit depends mainly on the management and the use of financial resources. The purpose of present article is to highlight the impact of indebtedness over financial risk through the financial lever. The main objectives of the article set out to achieve this purpose are: the theoretical approach of a company's overall indebtedness, the analysis of the financial levers, and the analysis of the positive and negative leverage effects.

  3. Financial Reporting: Framework for Analyzing Federal Agency Financial Statements

    Science.gov (United States)

    1991-03-01

    measure a firm’s profitability. The nature of financial ratios and their advantages are explained by Baruch Lev , in Financial Statement Analysis: A New...in Baruch Lev , Financial Statement Analysis: A New Approach (Englewood Cliffs, N.J.: Prentice-Hall, Inc., 1974), pp. 3637. 2See Financial Statement...Evaluation of Solvency. New York: American Institute of Certified Public Accountants, 1978. Lev , Baruch . Financial Statement Analysis: A New Approach

  4. Financial Literacy and the Demand for Financial Advice

    OpenAIRE

    Riccardo Calcagno; Chiara Monticone

    2011-01-01

    The low level of financial literacy in many countries suggests that households are at risk of sub-optimal financial decisions. In this paper we assess to what extent financial advisors can substitute for such a lack of knowledge, by analyzing the effect of investors’ financial literacy on their decision about how much to rely on financial advisors. We model the strategic interaction between poorly informed investors and perfectly informed advisors facing conflicts of interest. We find that mo...

  5. Selected Highlights from Precision Studies in ATLAS

    CERN Document Server

    Beck, Hans Peter; The ATLAS collaboration

    2014-01-01

    Recent highlights on precision measurements in proton-proton collisions at 7 and 8 TeV with the ATLAS detector are presented: the production cross section of jets, W and Z bosons, multi-bosons and top quark pairs, as well as single top production. Furthermore, the production of W and Z bosons and top quarks in association with jets is discussed and compared to state-of-art theory calculations. The latest measurements of the top quark mass and other properties, together with Standard Model parameters, will be reviewed.

  6. Highlights and Perspectives from the CMS Experiment

    Energy Technology Data Exchange (ETDEWEB)

    Butler, Joel Nathan [Fermilab

    2017-09-09

    In 2016, the Large Hadron Collider provided proton-proton collisions at 13 TeV center-of-mass energy and achieved very high luminosity and reliability. The performance of the CMS Experiment in this running period and a selection of recent physics results are presented. These include precision measurements and searches for new particles. The status and prospects for data-taking in 2017 and a brief summary of the highlights of the High Luminosity (HL-LHC) upgrade of the CMS detector are also presented.

  7. Nurses' Educational Needs Assessment for Financial Management Education Using the Nominal Group Technique.

    Science.gov (United States)

    Noh, Wonjung; Lim, Ji Young

    2015-06-01

    The purpose of this study was to identify the financial management educational needs of nurses in order to development an educational program to strengthen their financial management competencies. Data were collected from two focus groups using the nominal group technique. The study consisted of three steps: a literature review, focus group discussion using the nominal group technique, and data synthesis. After analyzing the results, nine key components were selected: corporate management and accounting, introduction to financial management in hospitals, basic structure of accounting, basics of hospital accounting, basics of financial statements, understanding the accounts of financial statements, advanced analysis of financial statements, application of financial management, and capital financing of hospitals. The present findings can be used to develop a financial management education program to strengthen the financial management competencies of nurses. Copyright © 2015. Published by Elsevier B.V.

  8. Financial integration and financial development in transition economies: What happens during financial crises?

    Directory of Open Access Journals (Sweden)

    Igor Masten

    2011-12-01

    Full Text Available

    This paper provides an empirical analysis of the role of financial development and financial integration in the growth dynamics of transition countries. We focus on the role of financial integration in determining the impact of financial development on growth, distinguishing “normal times” from periods of financial crises. In addition to confirming the significant positive effect on growth exerted by financial development and financial integration, our estimates show that a higher degree of financial openness tends to reduce the contractionary effect of financial crises, by cushioning the effect on the domestic supply of credit. Consequently, the high reliance on international capital flows by transition countries does not necessarily increase their financial fragility. This implies that financial protectionism is a self-defeating policy, at least for transition countries.

  9. Financial Globalization and Market Volatility

    OpenAIRE

    Cordella, Tito; Ospino Rojas, Anderson

    2017-01-01

    This paper computes a new financial globalization index for a large sample of countries for 1992-2016. Unlike other measures, the financial globalization index corrects for the heteroscedasticity of global volatility. This leads to a downward adjustment of financial globalization trends for developed, emerging, and frontier markets. The paper also shows that financial globalization reduces...

  10. PUBLIC FINANCIAL AIDS - STATE FINANCIAL SUPPORT POLICY

    Directory of Open Access Journals (Sweden)

    POPEANGĂ VASILE

    2012-12-01

    Full Text Available State aid represents selective measures of public financial support granted for activities or areas to achieve general objectives, such as environmental protection, development of SMEs, development of disadvantaged areas, rescue and restructuring strategic businesses, etc. But, even if the public authorities support economic development, the state aids can distort normal competitive environment. It is therefore necessary to develop and implement precisely rules on how the public authorities can intervene on market by providing state aids. State aid may be compatible if it pursues clearly defined objectives of common interest with the general beneficial effects on economic development, and does not affect the trade between European Union Member States.

  11. Benchmarking the financial performance of local councils in Ireland

    Directory of Open Access Journals (Sweden)

    Robbins Geraldine

    2016-05-01

    Full Text Available It was over a quarter of a century ago that information from the financial statements was used to benchmark the efficiency and effectiveness of local government in the US. With the global adoption of New Public Management ideas, benchmarking practice spread to the public sector and has been employed to drive reforms aimed at improving performance and, ultimately, service delivery and local outcomes. The manner in which local authorities in OECD countries compare and benchmark their performance varies widely. The methodology developed in this paper to rate the relative financial performance of Irish city and county councils is adapted from an earlier assessment tool used to measure the financial condition of small cities in the US. Using our financial performance framework and the financial data in the audited annual financial statements of Irish local councils, we calculate composite scores for each of the thirty-four local authorities for the years 2007–13. This paper contributes composite scores that measure the relative financial performance of local councils in Ireland, as well as a full set of yearly results for a seven-year period in which local governments witnessed significant changes in their financial health. The benchmarking exercise is useful in highlighting those councils that, in relative financial performance terms, are the best/worst performers.

  12. Astonishing the wild pigs highlights of technology

    CERN Document Server

    Trueb, Lucien F; Stuber, Fred A

    2015-01-01

    A hydraulic machine for astonishing wild pigs was one of the many technological highlights the author encountered in the course of his career as a research scientist and science writer. Writing a book about them, never taking more (or less) than two printed pages for each of 146 subjects was a very special challenge. The book covers fundamentally important achievements of technology that directly impacted mankind or even profoundly changed it. Many of those highlights are quite new, at least one of them (power generation by nuclear fusion) is not available yet. But particularly ingenious things dating way back were also included, as they are the base of our technical civilization Good examples are ceramics as well as copper, bronze and iron; whole periods of history have been named for the latter three. The analog computer of Antikythera used for stellar navigation was made some 2100 years ago, gunpowder was used in China as early as 1044 A.D., the astronomical clock in the Strasburg cathedral was built in th...

  13. Malliavin method for optimal investment in financial markets with memory

    Directory of Open Access Journals (Sweden)

    An Qiguang

    2016-01-01

    Full Text Available We consider a financial market with memory effects in which wealth processes are driven by mean-field stochastic Volterra equations. In this financial market, the classical dynamic programming method can not be used to study the optimal investment problem, because the solution of mean-field stochastic Volterra equation is not a Markov process. In this paper, a new method through Malliavin calculus introduced in [1], can be used to obtain the optimal investment in a Volterra type financial market. We show a sufficient and necessary condition for the optimal investment in this financial market with memory by mean-field stochastic maximum principle.

  14. 2016 Science Mission Directorate Technology Highlights

    Science.gov (United States)

    Seablom, Michael S.

    2017-01-01

    The role of the Science Mission Directorate (SMD) is to enable NASA to achieve its science goals in the context of the nation's science agenda. SMD's strategic decisions regarding future missions and scientific pursuits are guided by agency goals, input from the science community including the recommendations set forth in the National Research Council (NRC) decadal surveys and a commitment to preserve a balanced program across the major science disciplines. Toward this end, each of the four SMD science divisions -- Heliophysics, Earth Science, Planetary Science, and Astrophysics -- develops fundamental science questions upon which to base future research and mission programs.

  15. Supporting Youth Transitioning out of Foster Care. Issue Brief 3: Employment Programs. OPRE Report No. 2014-70

    Science.gov (United States)

    Edelstein, Sara; Lowenstein, Christopher

    2014-01-01

    This issue brief is one of three that focus on programs providing services to youth transitioning out of foster care in three common service domains: education, employment, and financial literacy and asset building. This brief highlights why employment services are important to youth currently or formerly in foster care, what we know about the…

  16. Governance and Australian Financial Institutions

    OpenAIRE

    Kevin Davis

    1998-01-01

    This paper examines issues of corporate governance arising from the activities of financial institutions and markets. It is argued that governance problems are particularly severe in financial institutions vis-a-vis firms in other industries, and particularly important for society given the central role of financial institutions and markets in the financing and corporate governance activities of the economy. Processes of financial reform and financial system design have, it is argued, general...

  17. Changing scene highlights III. [Iowa State University

    Energy Technology Data Exchange (ETDEWEB)

    Fassel, V. A.; Harl, Neil E.; Legvold, Sam; Ruedenberg, Klaus; Swenson, Clayton A.; Burnet, George; Fisher, Ray W.; Gschneidner, Karl A.; Hansen, Robert S.; Kliewer, Kenneth L.; Wildman, Ruth

    1979-01-01

    The research programs in progress at Ames Laboratory, Iowa State University, are reviewed: hydrogen (storage), materials, catalysts, TRISTAN (their laboratory isotope separator), coal preparation, coal classification, land reclamation (after surface mining, nitinol, neutron radiography, grain dust explosions, biomass conversion, etc). (LTC)

  18. Professional Skills in International Financial Surveillance

    DEFF Research Database (Denmark)

    Seabrooke, Leonard; Nilsson, Emelie Rebecca

    2015-01-01

    In 2006, the International Monetary Fund's (IMF) Financial Sector Assessment Program (FSAP) lauded Iceland's capacity to “withstand extreme, but plausible, shocks,” which was clearly an error in judgment. After the international financial crisis hit, IMF officials bemoaned the lack of professional...... market skills in FSAP teams. Importing these skills was difficult given IMF staff freezes, but postcrisis FSAP continued with heightened legitimacy inside and outside the IMF. This article provides an assessment of FSAP teams, focusing on the hiring of external experts and their professional skills. We...... are a consequence of demands for professional insulation, institutional legitimation, and a view of professionalism as transnational organizational competence....

  19. Using an ounce of prevention: does it reduce health care expenditures and reap pounds of profits? A study of the financial impact of wellness and health risk screening programs.

    Science.gov (United States)

    Phillips, Janet F

    2009-01-01

    As we are all well aware, health care expenditures in the United States are out of control and growing at epic proportions. Since private industry shoulders a significant burden of paying these rising health care costs, the huge and ever increasing sum paid by these corporations continues to impact the US economy translating into higher prices of services and manufactured goods and reduced job opportunities when companies outsource jobs or locate manufacturing facilities to avoid paying health care benefits for workers. As a result, health care expenditures have become a centerpiece of an enormous public policy debate as Congress is currently working on several versions of a bill to completely revise health care from the ground up. This research project was accomplished to examine the effectiveness of one approach to control rising health care costs and contain corporate financial responsibility--the establishment of wellness and health risk screening programs to improve the health of employees. Total health care cost per insured individual was gathered through an online survey directly from health care benefit administrators. The survey also asked information about wellness and health risk screening programs and the related responses were used to determine if there were a relationship between health care costs and health prevention programs. While statistical analysis was hampered in the current study because of the small sample size, some valid conclusions were reached. The study was successful in identifying a benchmark of Average Total Health Care Cost per Individual from $5,100 to $5,800 for 2005 through 2007. This is especially interesting in light of the fact that an average of $7,026 was spent on health care per person in 2006 in the United States. The study was also able to contribute an estimate of the increase realized in these expenditures of 6 percent in 2007 over 2006, and 4 percent in 2006 over 2005, which were in fact similar to the national average

  20. Late Financial Distress Process Stages and Financial Ratios

    DEFF Research Database (Denmark)

    Sormunen, Nina; Laitinen, Teija

    2012-01-01

    according to the date of application for reorganization: the first group of businesses applied for reorganization between 1 and 182 days after the closing of accounts, and the second group between 183 and 365 days after that point. The study findings provide evidence that the financial distress process......The present study adds to our understanding and knowledge of financial distress predictions regarding the usefulness of financial ratios in the late stages of the financial distress process. The study contributes to previous research by generating information concerning: (1) the behavior...... and usefulness of single financial ratios in short-term financial distress prediction when the effect of each different financial distress process stage is considered; (2) the effects of recognition of the financial distress process stage on the financial distress prediction model. The time horizon...