Pre-diagnosis employment status and financial circumstances predict cancer-related financial stress and strain among breast and prostate cancer survivors.

Science.gov (United States)

Sharp, Linda; Timmons, Aileen

2016-02-01

Cancer may have a significant financial impact on patients, but the characteristics that predispose patients to cancer-related financial hardship are poorly understood. We investigated factors associated with cancer-related financial stress and strain in breast and prostate cancer survivors in Ireland, which has a complex mixed public-private healthcare system. Postal questionnaires were distributed to 1373 people diagnosed with cancer 3-24 months previously identified from the National Cancer Registry Ireland. Outcomes were cancer-related financial stress (impact of cancer diagnosis on household ability to make ends meet) and financial strain (concerns about household financial situation since cancer diagnosis). Modified Poisson regression was used to estimate relative risks (RR) for factors associated with cancer-related financial stress and strain. Seven hundred forty survivors participated (response rate = 54 %). Of the respondents, 48 % reported cancer-related financial stress and 32 % cancer-related financial strain. Compared to those employed at diagnosis, risk of cancer-related financial stress was significantly lower in those not working (RR = 0.71, 95 % CI 0.58-0.86) or retired (RR = 0.48, 95 % CI 0.34-0.68). It was significantly higher in those who had dependents; experienced financial stress pre-diagnosis; had a mortgage/personal loans; had higher direct medical out-of-pocket costs; and had increased household bills post-diagnosis. For cancer-related financial strain, significant associations were found with dependents, pre-diagnosis employment status and pre-diagnosis financial stress; risk was lower in those with higher direct medical out-of-pocket costs. Cancer-related financial stress and strain are common. Pre-diagnosis employment status and financial circumstances are important predictors of post-diagnosis financial wellbeing. These findings could inform development of tools to identify patients/survivors most in need of financial

The Effect of Socio-Economic status of Parents, Family Financial Management Education and Learning in Universities Connected with the Financial Literacy of the Students

Directory of Open Access Journals (Sweden)

Irin Widayati

2015-02-01

Key Words: socio-economic status of parents, family financial management education, learning in college, financial literacy   Abstrak: Tujuan penelitian ini untuk mengkaji pengaruh langsung maupun tak langsung status sosial ekonomi orang tua, pendidikan pengelolaan keuangan keluarga, dan pembelajaran di perguruan tinggi terhadap literasi finansial. Data dikumpulkan dengan melalui tes dan angket. Teknik analisis data dengan analisis jalur dan analisis regresi dengan uji selisih mutlak. Hasil penelitian adalah terdapat pengaruh langsung maupun tak langsung status sosial ekonomi orang tua, pendidikan pengelolaan keuangan keluarga, dan pembelajaran di perguruan tinggi terhadap literasi finansial. Kata kunci: status sosial ekonomi orang tua, pendidikan pengelolaan keuangan keluarga, pembelajar-an di perguruan tinggi, literasi finansial

Phonemic versus allophonic status modulates early brain responses to language sounds: an MEG/ERF study

DEFF Research Database (Denmark)

Nielsen, Andreas Højlund; Gebauer, Line; Mcgregor, William

allophonic sound contrasts. So far this has only been attested between languages. In the present study we wished to investigate this effect within the same language: Does the same sound contrast that is phonemic in one environment, but allophonic in another, elicit different MMNm responses in native...... ‘that’). This allowed us to manipulate the phonemic/allophonic status of exactly the same sound contrast (/t/-/d/) by presenting it in different immediate phonetic contexts (preceding a vowel (CV) versus following a vowel (VC)), in order to investigate the auditory event-related fields of native Danish...... listeners to a sound contrast that is both phonemic and allophonic within Danish. Methods: Relevant syllables were recorded by a male native Danish speaker. The stimuli were then created by cross-splicing the sounds so that the same vowel [æ] was used for all syllables, and the same [t] and [d] were used...

The neural substrates of person perception: spontaneous use of financial and moral status knowledge.

Science.gov (United States)

Cloutier, J; Ambady, N; Meagher, T; Gabrieli, J D E

2012-07-01

The current study examines the effect of status information on the neural substrates of person perception. In an event-related fMRI experiment, participants were presented with photographs of faces preceded with information denoting either: low or high financial status (e.g., "earns $25,000" or "earns $350,000"), or low or high moral status (e.g., "is a tobacco executive" or "does cancer research"). Participants were asked to form an impression of the targets, but were not instructed to explicitly evaluate their social status. Building on previous brain-imaging investigations, regions of interest analyses were performed for brain regions expected to support either cognitive (i.e., intraparietal sulcus) or emotional (i.e., ventromedial prefrontal cortex) components of social status perception. Activation of the intraparietal sulcus was found to be sensitive to the financial status of individuals while activation of the ventromedial prefrontal cortex was sensitive to the moral status of individuals. The implications of these results towards uncovering the neural substrates of status perception and, more broadly, the extended network of brain regions involved in person perception are discussed. Copyright © 2012 Elsevier Ltd. All rights reserved.

The Current Status of the State Financial Audit in Ukraine and Prospects of its Development

Directory of Open Access Journals (Sweden)

Dolbneva Deniza V.

2017-11-01

Full Text Available The article is aimed at studying the current status and determining the main results of conducting the State financial audit by the State audit service in Ukraine, as well as developing proposals as to ways of its improvement in view of the experience of the world’s leading countries and the requirements of international standards in this sphere of relations. The main indicators and results, which characterize the status of conducting by bodies of the State Audit Service of the State financial audit on key directions, were considered. The obtained data indicate that the State financial audit is taking place in the direction corresponding to international practice. Today, however, because of a number of problems and declarative provisions related to the organization and conduct of the State financial audit, it cannot fully implement all its functional capabilities and tasks. Directions of improvement and transformation of the State financial audit have been proposed. The prospect for further research is development of a holistic mechanism for the functioning of the State financial audit, which will unite all its directions at different levels and its participants.

Market-based approach to financial architecture

NARCIS (Netherlands)

Underhill, G.R.D.; Caprio, G.; Beck, T.; Claessens, S.; Schmukler, S.L.

2013-01-01

The institutions of financial governance are central to the prospects for financial stability. Without sound regulatory and supervisory institutions, herd behavior and market failure looms large in a liberal financial system. Cross-border and cross-sectoral financial market integration exacerbates

Survey of emergency medicine resident debt status and financial planning preparedness.

Science.gov (United States)

Glaspy, Jeffrey N; Ma, O John; Steele, Mark T; Hall, Jacqueline

2005-01-01

Most resident physicians accrue significant financial debt throughout their medical and graduate medical education. The objective of this study was to analyze emergency medicine resident debt status, financial planning actions, and educational experiences for financial planning and debt management. A 22-item questionnaire was sent to all 123 Accreditation Council on Graduate Medical Education-accredited emergency medicine residency programs in July 2001. Two follow-up mailings were made to increase the response rate. The survey addressed four areas of resident debt and financial planning: 1) accrued debt, 2) moonlighting activity, 3) financial planning/debt management education, and 4) financial planning actions. Descriptive statistics were used to analyze the data. Survey responses were obtained from 67.4% (1,707/2,532) of emergency medicine residents in 89 of 123 (72.4%) residency programs. Nearly one half (768/1,707) of respondents have accrued more than 100,000 dollars of debt. Fifty-eight percent (990/1,707) of all residents reported that moonlighting would be necessary to meet their financial needs, and more than 33% (640/1,707) presently moonlight to supplement their income. Nearly one half (832/1,707) of residents actively invested money, of which online trading was the most common method (23.3%). Most residents reported that they received no debt management education during residency (82.1%) or medical school (63.7%). Furthermore, 79.1% (1,351/1,707) of residents reported that they received no financial planning lectures during residency, although 84.2% (1,438/1,707) reported that debt management and financial planning education should be available during residency. Most emergency medicine residency programs do not provide their residents with financial planning education. Most residents have accrued significant debt and believe that more financial planning and debt management education is needed during residency.

Financial Sector Assessment : Morocco

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...

Observation Status, Poverty, and High Financial Liability Among Medicare Beneficiaries.

Science.gov (United States)

Goldstein, Jennifer N; Zhang, Zugui; Schwartz, J Sanford; Hicks, LeRoi S

2018-01-01

Medicare beneficiaries hospitalized under observation status are subject to cost-sharing with no spending limit under Medicare Part B. Because low-income status is associated with increased hospital use, there is concern that such beneficiaries may be at increased risk for high use and out-of-pocket costs related to observation care. Our objective was to determine whether low-income Medicare beneficiaries are at risk for high use and high financial liability for observation care compared with higher-income beneficiaries. We performed a retrospective, observational analysis of Medicare Part B claims and US Census Bureau data from 2013. Medicare beneficiaries with Part A and B coverage for the full calendar year, with 1 or more observation stay(s), were included in the study. Beneficiaries were divided into quartiles representing poverty level. The associations between poverty quartile and high use of observation care and between poverty quartile and high financial liability for observation care were evaluated. After multivariate adjustment, the risk of high use was higher for beneficiaries in the poor (Quartile 3) and poorest (Quartile 4) quartiles compared with those in the wealthiest quartile (Quartile 1) (adjusted odds ratio [AOR], 1.21; 95% confidence interval [CI], 1.13-1.31; AOR, 1.24; 95% CI, 1.16-1.33). The risk of high financial liability was higher in every poverty quartile compared with the wealthiest and peaked in Quartile 3, which represented the poor but not the poorest beneficiaries (AOR, 1.17; 95% CI, 1.10-1.24). Poverty predicts high use of observation care. The poor or near poor may be at highest risk for high liability. Copyright © 2018 Elsevier Inc. All rights reserved.

Nigeria : Financial Sector Review, Volume 3. Non-Bank Financial Institutions and Markets

OpenAIRE

World Bank

2000-01-01

This report is a comprehensive review of the Nigerian financial system, covering the following areas: i) macro-financial environment; ii) safety and soundness of the banking system; iii) banking supervision; iv) development finance institutions; v) community banks and commercial banks' rural operations; vi) insurance and pensions; vii) housing finance; viii) money and capital markets; and ...

Personal finance: there are no shortcuts to financial security.

Science.gov (United States)

Yarkony, Kathryn

2009-12-01

Perioperative nurses have skills that lend themselves to sound financial decision-making, and during these difficult economic times, it is important to know how to secure earnings for the future. Key strategies include saving for retirement, consulting a financial advisor, investing in reliable vehicles, holding investments until the market stabilizes, and controlling credit card debt. Nurses can use the nursing process of assessment, diagnosis, planning, implementation, and evaluation to help them make sound financial decisions. (c) AORN, Inc, 2009.

12 CFR 563.161 - Management and financial policies.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Management and financial policies. 563.161... ASSOCIATIONS-OPERATIONS Financial Management Policies § 563.161 Management and financial policies. (a)(1) For... corporation must be well managed and operate safely and soundly. Each also must pursue financial policies that...

National Status and Trends: Bioeffects Program - Biological Effects of Toxic Contaminants in Sediments from Long Island Sound and Environs

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — A survey of sediment toxicity was carried out by NOAA's National Status and Trends Program in the coastal bays that surround Long Island Sound in New York and...

40 CFR 35.6670 - Financial reports.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 1 2010-07-01 2010-07-01 false Financial reports. 35.6670 Section 35... Actions Reports Required Under A Cooperative Agreement § 35.6670 Financial reports. (a) General. The...) Financial Status Report—(1) Content. (i) The Financial Status Report (SF-269) must include financial...

Financial stability of banking system in China

OpenAIRE

Jiang, B

2014-01-01

This thesis aims at investigating the financial stability of China's banking system. Since the banking system is one of the most important financial intermediaries in the financial systems, the financial soundness of banks could secure the stability of the whole financial system. Two of the factors that may significantly increase imbalance of the banking system, and hence affect financial stability of an economy is the accumulated non-performing loans of banks and the macro-economic turbulenc...

Accounting Profession: Oversight, Auditor Independence, and Financial Reporting Issues

National Research Council Canada - National Science Library

Sarbanes, Paul

2002-01-01

...) and other large corporations financial reporting restatements have raised questions about the soundness of the current self-regulatory and financial reporting systems and resulted in substantial...

PREDICTIVE ANALYSIS SOFTWARE FOR MODELING THE ALTMAN Z-SCORE FINANCIAL DISTRESS STATUS OF COMPANIES

Directory of Open Access Journals (Sweden)

ILIE RĂSCOLEAN

2012-10-01

Full Text Available Literature shows some bankruptcy methods for determining the financial distress status of companies and based on this information we chosen Altman statistical model because it has been used a lot in the past and like that it has become a benchmark for other methods. Based on this financial analysis flowchart, programming software was developed that allows the calculation and determination of the bankruptcy probability for a certain rate of failure Z-score, corresponding to a given interval that is equal to the ratio of the number of bankrupt companies and the total number of companies (bankrupt and healthy interval.

7 CFR 550.53 - Financial reporting.

Science.gov (United States)

2010-01-01

... 7 Agriculture 6 2010-01-01 2010-01-01 false Financial reporting. 550.53 Section 550.53 Agriculture... Reports and Records § 550.53 Financial reporting. Financial Status Report. (a) Each REE Agency shall.... A financial status report shall consist of the following information: (1) The name and address of...

Depressive symptomatology in relation to 10-year (2004-2014) acute coronary syndrome incidence; the moderating role of diet and financial status.

Science.gov (United States)

Notara, Venetia; Panagiotakos, Demosthenes B; Tsompanaki, Elena; Kouvari, Matina; Kogias, Yannis; Papanagnou, George; Antonoulas, Antonis; Stravopodis, Petros; Zombolos, Spyros; Stergiouli, Ifigenia; Mantas, Yannis; Babatsikou, Fotoula; Pitsavos, Christos

2016-05-01

The association between depression status and 10-year cardiovascular disease (CVD) incidence among acute coronary syndrome (ACS) patients, in relation to nutritional and financial status, was evaluated. From October 2003 to September 2004, a sample of 2172 consecutive ACS patients from 6 Greek hospitals was enrolled. In 2013-14, the 10-year follow-up was performed. Depressive symptoms were evaluated using the validated CES-D score (range 0-60). Adherence to Mediterranean diet was assessed through MedDietScore (range 0-55) and financial status was determined by the annual income. Ranking from the 1st to 3rd CES-D tertile, recurrent fatal/non fatal ACS rates were 33%, 37% and 42%, respectively (p=0.006). Multiple logistic regression models revealed an adverse association of severe depression status (i.e. 3rd tertile) compared to no depression (i.e. 1st tertile) [odds ratio (OR)=1.31, 95% confidence interval (95% CI) 1.01, 1.69]. When controlling for financial status, the relationship between depression and ACS prognosis remained marginally significant; while subgroup analysis revealed that only patients with low/moderate income were negatively affected [OR=1.36, 95% CI 0.98, 1.88]. Further stratified analysis, by MedDietScore group, was applied; the above association remained significant only in patients with low compliance to this dietary pattern [OR=1.68, 95% CI 1.10, 2.18]. ACS coexisting with severe depression status seems to result in adverse disease outcomes while financial status and Mediterranean diet are proposed as potential moderators. Public health programs should focus on vulnerable groups and minimize depressive symptoms through appropriate medical treatment and lifestyle interventions, so as to ameliorate the disease prognosis in clinical and community levels. Copyright © 2016 Elsevier Inc. All rights reserved.

Parental employment status and adolescents' health: the role of financial situation, parent-adolescent relationship and adolescents' resilience.

Science.gov (United States)

Bacikova-Sleskova, Maria; Benka, Jozef; Orosova, Olga

2015-01-01

The paper deals with parental employment status and its relationship to adolescents' self-reported health. It studies the role of the financial situation, parent-adolescent relationship and adolescent resilience in the relationship between parental employment status and adolescents' self-rated health, vitality and mental health. Multiple regression analyses were used to analyse questionnaire data obtained from 2799 adolescents (mean age 14.3) in 2006. The results show a negative association of the father's, but not mother's unemployment or non-employment with adolescents' health. Regression analyses showed that neither financial strain nor a poor parent-adolescent relationship or a low score in resilience accounted for the relationship between the father's unemployment or non-employment and poorer adolescent health. Furthermore, resilience did not work as a buffer against the negative impact of fathers' unemployment on adolescents' health.

Impact of income status on prognosis of acute coronary syndrome patients during Greek financial crisis.

Science.gov (United States)

Andrikopoulos, George; Tzeis, Stylianos; Terentes-Printzios, Dimitrios; Varounis, Christos; Vlachopoulos, Charalampos; Mantas, Ioannis; Patsilinakos, Sotirios; Lampropoulos, Stylianos; Olympios, Christoforos; Kartalis, Athanasios; Manolis, Athanasios; Gotsis, Alexandros; Triposkiadis, Filippos; Tsaknakis, Themistoklis; Goudevenos, Ioannis; Kaprinis, Ioannis; Pras, Athanasios; Vasiliou, Fotios; Skoumpourdis, Emmanouil; Sakka, Gerasimoula; Draganigos, Antonios; Vardas, Panos

2016-06-01

The effect of income status on patient outcome merits investigation during periods of financial crisis. We evaluated the impact of income status on out-of-hospital prognosis in a cohort of acute coronary syndrome (ACS) patients, included in a countrywide study during a period of financial crisis. The study is a secondary analysis of a prospective, multicenter, observational study-the PHAETHON study-enrolling consecutive ACS patients in 37 hospitals in Greece. Patients were classified as low or high income based on the reported net annual household income using as a cut-off point the relative poverty threshold for Greece of 12,000 Euros. The outcome measure was survival free of the primary composite endpoint (cardiovascular death, myocardial infarction, stroke/transient ischemic attack, urgent revascularization and urgent hospitalization due to cardiovascular causes). The study population included 794 patients. The administration rate of evidence-based medications was similar in the low- (n = 455) and high-income (n = 339) groups during hospitalization and upon discharge. In a median follow-up of 189 days (interquartile range: 180-212 days), low-income patients had 92 % higher risk of the combined endpoint as compared to high-income patients [Hazard ratio (HR):1.92, 95 % CI:1.25-2.94, p = 0.003]. The effect of low-income status on the combined outcome remained significant after adjustment for age, gender and depression (HR:1.59, 95 % CI:1.02-2.49; p = 0.043). In a period of financial crisis, low income is a significant and independent predictor of poor out-of-hospital outcome in ACS patients. This association has profound implications and should be taken into consideration by public health policy makers.

Efficiency of Working Capital Management in the System of Financial Safety of Trade Enterprises

Directory of Open Access Journals (Sweden)

Krutova Anzhelika S.

2016-08-01

Full Text Available The article investigates theoretical and methodological and practical aspects of managing the financial security of enterprises of wholesale and retail trade in Ukraine, summarizes the scientific approaches to assessing enterprise financial security. There justified the influence of the level of efficiency of working capital management on improving the indicators of profitability of financial and economic activity, business activity; increasing financial sustainability and stability of development; ensuring an acceptable level of financial safety of trade enterprises. The main results of financial and economic activities of Ukrainian trade enterprises for the period 2010-2015 that influenced the level of their financial security are analyzed, the negative trends in the dynamics of receiving net profit, low profitability of sales and unprofitableness of using the current assets are highlighted. There revealed a significant disproportion in the structure of capital formation sources, high deficit of own financial resources, trend of financing the current assets entirely from borrowed funds, rapid growth of the level of credit interest rates. There performed an estimation of indicators of financial sustainability by means of the coefficient and aggregate approaches, which indicated the unstable and crisis financial condition of the majority of enterprises of wholesale and retail trade in Ukraine. There determined reserves of increasing financial security with the identification of the key components in the subsystems of financial security, criteria and indicators for an objective assessment of the financial status, taking into account the influence of the external environment, which will allow making sound management decisions regarding the analysis, prevention and neutralization of real and potential threats to trade enterprises.

Uncovering Barriers to Financial Capability: Underrepresented Students' Access to Financial Resources

Science.gov (United States)

Eichelberger, Brenda; Mattioli, Heather; Foxhoven, Rachel

2017-01-01

Financial aid is designed to increase access to postsecondary education at all socioeconomic levels; however, college students are not always knowledgeable about personal finances or capable of making sound decisions regarding complex college and program choices, debt options, and long-term spending. This article reviews previous research on the…

THE SOUNDNESS OF THE FINANCIALSYSTEMS IN CEE COUNTRIES

Directory of Open Access Journals (Sweden)

Ioana-Iuliana TOMULEASA

2014-12-01

Full Text Available The financial system is vitally important for the real economy, contributing decisively to economic activities. The paper aims to examine the features of the financial system of Central and Eastern European countries (Bulgaria, Czech Republic, Hungary, Latvia, Lithuania, Poland, and Romania, the major imbalances accumulated during the period preceding the onset of the current global economic crisis and the measures taken by monetary and financial authorities to ensure the continuity of European financial integration. Moreover, in this paper an empirical analysis was developed, investigating the major implications of the crisis on the financial soundness indicators perceived in the selected countries, in the period 2008-2013. The analysis conducted in this paper suggests that the financial system is characterized by a high sensitivity, being subjected to pressures from the international financial turmoil, observing the increasing tendency of current risks.

Financial Planning and Financial Instruments: 2013 in Review, 2014 in Prospect

OpenAIRE

Mark Brimble; Ciorstan Smark

2013-01-01

The Global Financial Crisis (GFC); changes in regulation; issues in public perception and trust have contributed to a troubled 2013 for financial planners. As financial planning and wealth management providers seek to bolster their professional status, the Financial Planning Education Council’s National Curriculum and Accreditation Framework and ASIC’s minimum training requirements are also a space to watch. In prospect, 2014 will offer opportunities and challenges in the form of ...

Economic abuse between intimate partners in Australia: prevalence, health status, disability and financial stress.

Science.gov (United States)

Kutin, Jozica; Russell, Roslyn; Reid, Mike

2017-06-01

Economic abuse is a form of domestic violence that has a significant impact on the health and financial wellbeing of victims, but is understudied. This study determined the lifetime prevalence of economic abuse in Australia by age and gender, and the associated risk factors. The 2012 ABS Personal Safety Survey was used, involving a cross-sectional population survey of 17,050 randomly selected adults using face-to-face interviews. The survey-weighted prevalence of economic abuse was calculated and analysed by age and gender. Logistic regression was used to adjust odds ratios for possible confounding between variables. The lifetime prevalence of economic abuse in the whole sample was 11.5%. Women in all age groups were more likely to experience economic abuse (15.7%) compared to men (7.1%). Disability, health and financial stress status were significant markers of economic abuse. For women, financial stress and disability were important markers of economic abuse. However, prevalence rates were influenced by the measures used and victims' awareness of the abuse, which presents a challenge for screening and monitoring. Implications for public health: Social, health and financial services need to be aware of and screen for the warning signs of this largely hidden form of domestic violence. © 2017 The Authors.

Be Vigilant on Financial Statements.

Science.gov (United States)

Freed, DeBow

2002-01-01

Highlights areas on university's financial statements that warrant careful review by trustees and suggests ways they can check to see whether an institution's financial statements are clear and valid indicators of its financial status. (EV)

Analyzing Financial Performance of Commercial Banks in India: Application of CAMEL Model

Directory of Open Access Journals (Sweden)

Prof. Dr. Mohi-ud-Din Sangmi

Full Text Available Sound financial health of a bank is the guarantee not only to its depositors but is equally significant for the shareholders, employees and whole economy as well. As a sequel to this maxim, efforts have been made from time to time, to measure the financial position of each bank and manage it efficiently and effectively. In this paper, an effort has been made to evaluate the financial performance of the two major banks operating in northern India .This evaluation has been done by using CAMEL Parameters, the latest model of financial analysis. Through this model, it is highlighted that the position of the banks under study is sound and satisfactory so far as their capital adequacy, asset quality, Management capability and liquidity is concerned.

75 FR 76079 - Sound Incentive Compensation Guidance

Science.gov (United States)

2010-12-07

... management; and Be supported by strong corporate governance, including active and effective oversight by the... Sound Compensation Practices adopted by the Financial Stability Board (FSB) in April 2009, as well as... will promote the prompt improvement of incentive compensation practices in the banking industry by...

75 FR 53023 - Sound Incentive Compensation Guidance

Science.gov (United States)

2010-08-30

... management; and Be supported by strong corporate governance, including active and effective oversight by the... Sound Compensation Practices adopted by the Financial Stability Board (FSB) in April 2009, as well as... will promote the prompt improvement of incentive compensation practices in the banking industry by...

75 FR 22679 - Sound Incentive Compensation Guidance

Science.gov (United States)

2010-04-29

... management; and Be supported by strong corporate governance, including active and effective oversight by the... Sound Compensation Practices adopted by the Financial Stability Board (FSB) in April 2009, as well as... will promote the prompt improvement of incentive compensation practices in the banking industry by...

Current Status of Operation and Management of Dental School Clinics.

Science.gov (United States)

Reinhardt, John W

2017-08-01

This article summarizes the current status of the operation and management of dental school clinics as schools strive to provide excellent patient-centered care in an environment that is educationally sound, efficient, and financially strong. Clinical education is a large component of dental education and an area in which many dental schools have an opportunity to enhance revenue. Clinical efficiencies and alternative models of clinical education are evolving in U.S. dental schools, and this article describes some of those evolutionary changes. This article was written as part of the project "Advancing Dental Education in the 21 st Century."

Radio thermal sounding of natural environments

Science.gov (United States)

Gauss, Martin; Lomukhin, Yuriy

2017-11-01

At the moment, methods of sounding a status of soil, plant, forest and aquatic environments using radiometry and radar methods are intensively used. The main source of information using radar sounding is the back reflection ratio. The radiometric method is used for detection of the brightness temperature. In this paper, a communication between the back reflection ratio and the brightness temperature is described. This communication is proportional.

Mental Health and Its Associated Variables Among International Students at a Japanese University: With Special Reference to Their Financial Status.

Science.gov (United States)

Kono, Kumi; Eskandarieh, Sharareh; Obayashi, Yoshihide; Arai, Asuna; Tamashiro, Hiko

2015-12-01

We attempted to identify the risk factors that may affect mental health status of the international students and we conducted the survey using a self-administered questionnaire. Depressive symptoms were measured using the Center for Epidemiologic Studies Depression Scale. The students were divided into two groups; (1) those who received scholarships and (2) those who didn't since we thought the division represented practical patterns of their financial status. The associations of socio-demographic characteristics with depressive symptoms were examined. Of the 726 students, 480 (66.1%) responded and 207 (43.1%) had depressive symptoms. The logistic regression analysis indicated that quality of sleep, amount of exercise, and housing conditions--but not financial status--were statistically associated with the risk of developing depressive symptoms. Although the inversion of the cause and effect is yet to be ascertained, the students who are unsatisfied with their housing conditions, quality of sleep and less exercise need more attention.

Conceptual Models and Guidelines for Clinical Assessment of Financial Capacity.

Science.gov (United States)

Marson, Daniel

2016-09-01

The ability to manage financial affairs is a life skill of critical importance, and neuropsychologists are increasingly asked to assess financial capacity across a variety of settings. Sound clinical assessment of financial capacity requires knowledge and appreciation of applicable clinical conceptual models and principles. However, the literature has presented relatively little conceptual guidance for clinicians concerning financial capacity and its assessment. This article seeks to address this gap. The article presents six clinical models of financial capacity : (1) the early gerontological IADL model of Lawton, (2) the clinical skills model and (3) related cognitive psychological model developed by Marson and colleagues, (4) a financial decision-making model adapting earlier decisional capacity work of Appelbaum and Grisso, (5) a person-centered model of financial decision-making developed by Lichtenberg and colleagues, and (6) a recent model of financial capacity in the real world developed through the Institute of Medicine. Accompanying presentation of the models is discussion of conceptual and practical perspectives they represent for clinician assessment. Based on the models, the article concludes by presenting a series of conceptually oriented guidelines for clinical assessment of financial capacity. In summary, sound assessment of financial capacity requires knowledge and appreciation of clinical conceptual models and principles. Awareness of such models, principles and guidelines will strengthen and advance clinical assessment of financial capacity. © The Author 2016. Published by Oxford University Press. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

12 CFR Appendix A to Part 1720 - Policy Guidance; Minimum Safety and Soundness Requirements

Science.gov (United States)

2010-01-01

..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT SAFETY AND SOUNDNESS SAFETY AND SOUNDNESS Pt. 1720, App. A... effectively and to model the effect of differing interest rate scenarios on the Enterprise's financial... are implemented effectively, and that the Enterprise's organization structure and assignment of...

Financial Planning and Financial Instruments: 2013 in Review, 2014 in Prospect

Directory of Open Access Journals (Sweden)

Mark Brimble

2013-09-01

Full Text Available The Global Financial Crisis (GFC; changes in regulation; issues in public perception and trust have contributed to a troubled 2013 for financial planners. As financial planning and wealth management providers seek to bolster their professional status, the Financial Planning Education Council’s National Curriculum and Accreditation Framework and ASIC’s minimum training requirements are also a space to watch. In prospect, 2014 will offer opportunities and challenges in the form of a changed government; regulatory changes; accreditation challenges and the hope of the recruitment of strong financial planning and wealth management professionals for the future.

Effect of Financial Stress and Positive Financial Behaviors on Cost-Related Nonadherence to Health Regimens Among Adults in a Community-Based Setting.

Science.gov (United States)

Patel, Minal R; Kruger, Daniel J; Cupal, Suzanne; Zimmerman, Marc A

2016-04-07

Little is known about the role of positive financial behaviors (behaviors that allow maintenance of financial stability with financial resources) in mitigating cost-related nonadherence (CRN) to health regimens. This study examined the relationships between positive financial behaviors, financial stress, and CRN. Data came from the 2011 Speak to Your Health! Community Survey (n = 1,234). Descriptive statistics were computed to examine financial stress and CRN, by chronic condition and health insurance status. We used multivariate logistic regression models to examine the relationship between positive financial behaviors and financial stress and their interaction on a composite score of CRN, controlling for health insurance status, educational level, age, marital status, number of chronic conditions, and employment status. Thirty percent of the sample engaged in CRN. Participants reported moderate financial stress (mean, 13.85; standard deviation [SD] = 6.97), and moderate positive financial behavior (mean, 8.84; SD = 3.24). Participants with employer-sponsored insurance, Medicaid, Medicare, the Genesee Health Plan, high blood pressure, asthma, and diabetes had the highest proportion of CRN. The relationship between financial stress and CRN was not significantly different between those who reported lower versus higher levels of positive financial behavior (P = .32). Greater financial stress was associated with a greater likelihood of CRN (odds ratio [OR] = 2.49; 95% confidence interval [CI], 2.08-2.99). Higher level of positive financial behavior was associated with a lower likelihood of CRN (OR = 0.80; 95% CI, 0.67-0.94). Financial literacy as a means of promoting positive financial behavior may help reduce CRN. An intervention strategy focused on improving financial literacy may be relevant for high-risk groups who report high levels of financial stress.

PENGARUH STATUS SOSIAL EKONOMI ORANG TUA, KELOMPOK TEMAN SEBAYA DAN FINANCIAL LITERACY TERHADAP PERILAKU KONSUMTIF PADA SISWA KELAS XI IPS SMA KESATRIAN 1 SEMARANG TAHUN AJARAN 2015/2016

Directory of Open Access Journals (Sweden)

Yasinta Aulia Nurachma

2017-06-01

Full Text Available Tujuan penelitian ini untuk mendeskripsikan pengaruh status sosial ekonomi orang tua, kelompok teman sebaya dan financial literacy terhadap perilaku konsumtif siswa, baik secara simultan maupun parsial. Populasi dalam penelitian ini adalah siswa XI IPS SMA Kesatrian 1 Semarang tahun ajaran 2015/2016 yang berjumlah 131 siswa. Metode pengumpulan data berupa angket. Metode analisis data yang digunakan adalah analisis statistik deskriptif dan analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa (1 ada pengaruh positif status sosial ekonomi orang tua terhadap perilaku konsumtif siswa secara parsial sebesar 13,91%, (2 ada pengaruh positif kelompok teman sebaya terhadap perilaku konsumtif siswa secara parsial sebesar 12,81%, dan (3 ada pengaruh negatif financial literacy terhadap perilaku konsumtif siswasecara parsial sebesar 8,58%. Status sosial ekonomi orang tua, kelompok teman sebaya dan financial literacy secara simultan berpengaruh terhadap perilaku konsumtif siswa sebesar 35%. The purpose of this study is to describe influence of socio-economic status of parents, peer groups and financial literacy of the consumptive behavior of students, either simultaneously or partially. The population in this research were students XI IPS SMA Kesatrian 1 Semarang Academic Year 2015/2016, totally 131 students. Methods in the form of a questionnaire. The analytical method used is descriptive statistical analysis and multiple linear regression analysis. Based on the results of the search are (1 the positive influence of socio-economic status of parents to the students consumptive behavior partially level is 13.91%, (2 the positive influence of peer groups to the students consumptive behavior partially level is 12.81%, and (3 thenegative influence of financial literacy to the students consumptive behavior partially levelis 8.58%. Socio-economic status of parents, peer groups and financial literacy simultaneously influence to the students

On the Money: High School Mathematics Activities to Build Financial Literacy

Science.gov (United States)

Peters, Susan A.; Bay-Williams, Jennifer M.; Martinie, Sherri L.

2016-01-01

As high school students make more and more important decisions, their need for financial literacy increases significantly. To succeed in life, they need both an understanding of financial issues and the math skills to make financially sound choices. With all the requirements and standards to be met in high schools today, how can teachers find room…

FINANCING PRACTICES OF BANKS AND FINANCIAL INSTITUTIONS IN NEPAL

OpenAIRE

GAUTAM, BISHNU PRASAD

2009-01-01

Proposal analysis and credit appraisal includes the examination of business and financial aspects with respective importance to measure economic, financial and technical feasibility of the project and repayment capacity of the borrowing firm. Such analysis has far reaching implication on the mobilization of resources as well as on the earning and soundness of the banks and financial institutions (BFIs). We examine this process in the context of bank lending to tourism business enterprises thr...

Implementation of international financial reporting standards (IFRS) and their impact on economic growth

OpenAIRE

Gorgieva-Trajkovska, Olivera; Miteva-Kacarski, Emilija

2011-01-01

The confidence in the transparency and integrity of financial reporting is critically important to global financial stability and sound economic growth. The global financial crisis has led many economic and financial market participants to reexamine their governance, practices, and standards. Effective financial reporting depends on high quality accounting standards as well as the consistent and faithful application and rigorous independent audit and enforcement of those standards. ...

Financial stability, monetary policy and budgetary coordination in EMU

Directory of Open Access Journals (Sweden)

Claudiu Tiberiu ALBULESCU

2012-08-01

Full Text Available A series of recent studies analyze the impact of financial crisis on the fiscal soundness in the Euro area countries. Even if their documented results present the transmission mechanisms of the financial instability toward the fiscal sector, a more realistic problem is related to the contribution of the fiscal and budgetary disequilibrium to the financial instability propagation. In this line, we show, based on a simple econometric model, that, beside the expansionary monetary policy, the budgetary deficit conducts to the financial stability deterioration. The financial stability of the Euro area is measured based on an aggregate financial stability index, constructed by employing the IMF methodology used for the financial stress index.

Promoting Access to Finance by Empowering Consumers--Financial Literacy in Developing Countries

Science.gov (United States)

Kefela, Ghirmai T.

2010-01-01

This paper is an effort to establish the financial sector in developing countries to promote financial literacy of their customers. This could have access to finance and savings, which in turn support livelihoods, economic growth, sound financial systems, and participate in the economy. The main objectives of this paper is to enhance a bank's…

20 CFR 435.52 - Financial reporting.

Science.gov (United States)

2010-04-01

... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Financial reporting. 435.52 Section 435.52... ORGANIZATIONS Post-Award Requirements Reports and Records § 435.52 Financial reporting. (a) Authorized forms... financial information from recipients: (1) SF-269 or SF-269A, Financial Status Report. (i) SSA requires...

Portable system for auscultation and lung sound analysis.

Science.gov (United States)

Nabiev, Rustam; Glazova, Anna; Olyinik, Valery; Makarenkova, Anastasiia; Makarenkov, Anatolii; Rakhimov, Abdulvosid; Felländer-Tsai, Li

2014-01-01

A portable system for auscultation and lung sound analysis has been developed, including the original electronic stethoscope coupled with mobile devices and special algorithms for the automated analysis of pulmonary sound signals. It's planned that the developed system will be used for monitoring of health status of patients with various pulmonary diseases.

36 CFR 1210.52 - Financial reporting.

Science.gov (United States)

2010-07-01

... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Financial reporting. 1210.52....52 Financial reporting. (a) The following forms or such other forms as may be approved by OMB are authorized for obtaining financial information from recipients. (1) SF-269 or SF-269A, Financial Status...

2 CFR 215.52 - Financial reporting.

Science.gov (United States)

2010-01-01

... 2 Grants and Agreements 1 2010-01-01 2010-01-01 false Financial reporting. 215.52 Section 215.52... Financial reporting. (a) The following forms or such other forms as may be approved by OMB are authorized for obtaining financial information from recipients. (1) SF-269 or SF-269A, Financial Status Report...

22 CFR 145.52 - Financial reporting.

Science.gov (United States)

2010-04-01

... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Financial reporting. 145.52 Section 145.52....52 Financial reporting. (a) The following forms or such other forms as may be approved by OMB are authorized for obtaining financial information from recipients. (1) SF-269 or SF-269A, Financial Status...

24 CFR 84.52 - Financial reporting.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Financial reporting. 84.52 Section... Financial reporting. (a) The following forms or such other forms as may be approved by OMB are authorized for obtaining financial information from recipients. (1) SF-269 or SF-269A, Financial Status Report...

On the Money: Math Activities to Build Financial Literacy, Grades 6-8

Science.gov (United States)

Bay-Williams, Jennifer M.; Bush, Sarah B.; Peters, Susan A.; McGatha, Maggie B.

2015-01-01

To succeed in college, career, and life, students need to become financially literate. But understanding the basics of a long-term investment or a short-term loan is not enough without the math skills to make financially sound choices. In the already full curriculum of middle schools today, how can teachers find room to include financial literacy?…

Does financial development increase energy consumption? The role of industrialization and urbanization in Tunisia

International Nuclear Information System (INIS)

Shahbaz, Muhammad; Lean, Hooi Hooi

2012-01-01

This paper assesses the relationship among energy consumption, financial development, economic growth, industrialization and urbanization in Tunisia from 1971 to 2008. The autoregressive distributed lag bounds testing approach to cointegration and Granger causality tests is employed for the analysis. The result confirms the existence of long-run relationship among energy consumption, economic growth, financial development, industrialization and urbanization in Tunisia. Long-run bidirectional causalities are found between financial development and energy consumption, financial development and industrialization, and industrialization and energy consumption. Hence, sound and developed financial system that can attract investors, boost the stock market and improve the efficiency of economic activities should be encouraged in the country. Nevertheless, promoting industrialization and urbanization can never be left out from the process of development. We add light to policy makers with the role of financial development, industrialization and urbanization in the process of economic development. - Highlights: ► We find the existence of long-run relationship among variables. ► Financial development is positively related to energy consumption. ► Bidirectional causal relationship between financial development and energy consumption. ► Sound and developed financial system should be encouraged.

7 CFR 3430.56 - Financial reporting.

Science.gov (United States)

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Financial reporting. 3430.56 Section 3430.56... reporting. (a) SF-269, Financial Status Report. Unless stated differently in the award terms and conditions... requirement. (f) Additional reporting requirements. CSREES may require additional financial reporting...

Financial literacy: Do people know the ABCs of finance?

Science.gov (United States)

Lusardi, Annamaria

2015-04-01

Increasingly, individuals are in charge of their own financial security and are confronted with ever more complex financial instruments. However, there is evidence that many individuals are not well-equipped to make sound saving decisions. This article looks at financial literacy, which is defined as the ability to process economic information and make informed decisions about financial planning, wealth accumulation, debt, and pensions. Failure to plan for retirement, lack of participation in the stock market, and poor borrowing behavior can all be linked to ignorance of basic financial concepts. Financial literacy impacts financial decision making, with implications that apply to individuals, communities, countries, and society as a whole. Given the lack of financial literacy among the population, it may be important to remedy it by adding financial literacy to the school curriculum. © The Author(s) 2015.

Hospital financial performance in the recent recession and implications for institutions that remain financially weak.

Science.gov (United States)

Bazzoli, Gloria J; Fareed, Naleef; Waters, Teresa M

2014-05-01

The recent recession had a profound effect on all sectors of the US economy, including health care. We examined how private hospitals fared through the recession and considered how changes in their financial health may affect their ability to respond to future industry challenges. We categorized 2,971 private short-term general medical or surgical hospitals (both nonprofit and for-profit) according to their pre-recession financial health and safety-net status, and we examined their operational status changes and operating and total financial margins during 2006-11. We found that hospitals that were financially weak before the recession remained so during and after the recession. The total margins of nonprofit hospitals (both safety-net and other institutions) declined in 2008 but returned to their pre-recession levels by 2011. The recession did not create additional fiscal pressure on hospitals that were previously financially weak or in safety-net roles. However, both groups continue to have notable financial deficiencies that could limit their abilities to meet the growing demands on the industry.

7 CFR 249.11 - Financial management system.

Science.gov (United States)

2010-01-01

... 7 Agriculture 4 2010-01-01 2010-01-01 false Financial management system. 249.11 Section 249.11... § 249.11 Financial management system. (a) Disclosure of expenditures. The State agency must maintain a financial management system that provides accurate, current and complete disclosure of the financial status...

7 CFR 248.11 - Financial management system.

Science.gov (United States)

2010-01-01

... 7 Agriculture 4 2010-01-01 2010-01-01 false Financial management system. 248.11 Section 248.11... § 248.11 Financial management system. (a) Disclosure of expenditures. The State agency shall maintain a financial management system which provides accurate, current and complete disclosure of the financial status...

Sound and sound sources

DEFF Research Database (Denmark)

Larsen, Ole Næsbye; Wahlberg, Magnus

2017-01-01

There is no difference in principle between the infrasonic and ultrasonic sounds, which are inaudible to humans (or other animals) and the sounds that we can hear. In all cases, sound is a wave of pressure and particle oscillations propagating through an elastic medium, such as air. This chapter...... is about the physical laws that govern how animals produce sound signals and how physical principles determine the signals’ frequency content and sound level, the nature of the sound field (sound pressure versus particle vibrations) as well as directional properties of the emitted signal. Many...... of these properties are dictated by simple physical relationships between the size of the sound emitter and the wavelength of emitted sound. The wavelengths of the signals need to be sufficiently short in relation to the size of the emitter to allow for the efficient production of propagating sound pressure waves...

31 CFR 210.8 - Financial institutions.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Financial institutions. 210.8 Section... CLEARING HOUSE General § 210.8 Financial institutions. (a) Status as a Treasury depositary. The origination or receipt of an entry subject to this part does not render a financial institution a Treasury...

Uganda; Financial System Stability Assessment, including Reports on the Observance of Standards and Codes on the following topics: Monetary and Financial Policy Transparency, Banking Supervision, Securities Regulation, and Payment Systems

OpenAIRE

International Monetary Fund

2003-01-01

This paper presents findings of Uganda’s Financial System Stability Assessment, including Reports on the Observance of Standards and Codes on Monetary and Financial Policy Transparency, Banking Supervision, Securities Regulation, Insurance Regulation, Corporate Governance, and Payment Systems. The banking system in Uganda, which dominates the financial system, is fundamentally sound, more resilient than in the past, and currently poses no threat to macroeconomic stability. A major disruption ...

Data collected in conjunction with NOAA's National Status and Trends Program to examine measures of bioeffects associated with toxicants in Puget Sound sediments, May - June 1999 (NODC Accession 0000592)

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — Sediment samples were collected from multiple locations in the Puget Sound in support of NOAA's National Status and Trends Programs to measure the bioeffects...

Impact of Global Financial Crisis on Nigerian Stock Market

African Journals Online (AJOL)

DrNneka

Key words: Global financial crisis, Nigerian stock market, currency crisis, ... drop in all economic indices over a relatively short period of time leading to corporate .... magnitude and many countries with sound fundamentals also plunged into a ...

The Psychology and Neuroscience of Financial Decision Making.

Science.gov (United States)

Frydman, Cary; Camerer, Colin F

2016-09-01

Financial decisions are among the most important life-shaping decisions that people make. We review facts about financial decisions and what cognitive and neural processes influence them. Because of cognitive constraints and a low average level of financial literacy, many household decisions violate sound financial principles. Households typically have underdiversified stock holdings and low retirement savings rates. Investors overextrapolate from past returns and trade too often. Even top corporate managers, who are typically highly educated, make decisions that are affected by overconfidence and personal history. Many of these behaviors can be explained by well-known principles from cognitive science. A boom in high-quality accumulated evidence-especially how practical, low-cost 'nudges' can improve financial decisions-is already giving clear guidance for balanced government regulation. Copyright © 2016 The Authors. Published by Elsevier Ltd.. All rights reserved.

BUDGETARY CLASSIFICATIONS’ ROLE IN PUBLIC FINANCIAL MANAGEMENT

Directory of Open Access Journals (Sweden)

Gyorgy Adina Cristina

2010-07-01

Full Text Available Budgetary classifications are a vital condition for a sound budgetary management. To be a good and useful classification, some rules should be respected. The international experience could offer us guiding lines which contribute to this purpose. In our paper we tried to present some basic elements of a budgetary classification, stressing on their utility in practice: financial management, reporting, on various criteria, and electronic processing. In last part is presented a functional example of such a classification which proved its utility in Romanian public financial sector.

The Last Seat in the House: The Story of Hanley Sound

Science.gov (United States)

Kane, John

with Hanley reveal his charismatic, innovative leadership style, which had a direct influence on those who worked for and around him. Finally, his story contains additional conflicts that I felt obligated to address. For one, the lack of financial reward that Hanley Sound faced is intriguing to me. The recognition of being one of the true pioneers in the business and not reaping the financial benefits of such efforts needed to be examined. As the industry he influenced grew around him, those who borrowed his ideas have moved forward, creating the infrastructure of contemporary sound reinforcement as we know it today. Hanley's pioneering efforts not only created the foundation of this unknown industry but also gave true definition to the term sound engineer.

Associations between economic loss, financial strain and the psychological status of Wenchuan earthquake survivors.

Science.gov (United States)

Huang, Yunong; Wong, Hung; Tan, Ngoh Tiong

2015-10-01

This study examines the effects of economic loss on the life satisfaction and mental health of Wenchuan earthquake survivors. Economic loss is measured by earthquake impacts on the income and houses of the survivors. The correlation analysis shows that earthquake impact on income is significantly correlated with life satisfaction and depression. The regression analyses indicate that earthquake impact on income is indirectly associated with life satisfaction and depression through its effect on financial strain. The research highlights the importance of coping strategies in maintaining a balance between economic status and living demands for disaster survivors. © 2015 The Author(s). Disasters © Overseas Development Institute, 2015.

The Perceptions of Twelfth-Grade Students on Financial Literacy

Science.gov (United States)

Harrelson, Joseph Christopher

2010-01-01

The problem of financial illiteracy at the high school level is becoming a growing pandemic in America. The current financial curriculum may not be preparing high school students against reported financial pitfalls. At the study site, high school students graduate without financial skills that may impact their future financial status. The purpose…

The Financial Flexibility as a Factor of Financial Security

Directory of Open Access Journals (Sweden)

Feofanova Iryna V.

2017-09-01

Full Text Available The article is aimed at researching the approaches to assessing financial flexibility and the ways to improve it as a constituent part of financial security. Both the external and the internal threats to financial security have been defined. The indicators of assessment of the financial status of enterprise that are being calculated on the basis of value of equity were analyzed. It has been determined that the growth of equity has a positive impact on all coefficients, with the exception of the ratio of non-negotiable assets and the equity funds. It has been suggested that the ratio of non-negotiable assets to equity funds should be used as an indicator of the sufficiency of own capital gains. The relationship between the maneuverability coefficient of the own negotiable capital and the ratio of non-negotiable assets to the equity funds has been considered. It has been found that formation of the own financial resources is one of the main ways of increasing the financial flexibility of enterprises and organizations. A number of measures to increase equity have been proposed; the sources of the equity funds and the factors influencing the money flows have been defined.

Preemptive financial strategies help IPAs avoid insolvency.

Science.gov (United States)

Karling, J; Silberman, L

2000-11-01

The 1999 collapse in California of practice management giants FPA Medical Management, Inc. and MedPartners, Inc. has caused healthcare provider organizations, particularly independent practice associations (IPAs), to examine critical issues related to financial solvency. Problems such as declining membership, ineffective management, weak contracting, and lack of strategic vision frequently are encountered by troubled provider organizations. The common thread that runs through IPA failures is a combination of unreliable accounting data and inadequate reporting systems. This lack of satisfactory financial and reporting information impairs the ability of the provider group to maintain sufficient funds to cover expenses and pay physicians. Successful, financially stable provider networks use well-defined reporting procedures based on fundamental accounting and financial concepts, as well as a sound methodology for measuring and calculating claims liability estimates. In California, new regulations aimed at encouraging provider organizations to assume preemptive financial strategies are in the process of being adopted. IPAs in every state should consider reviewing these regulations as benchmarks by which to assess their financial procedures.

Mexico : Country Financial Accountability Assessment

OpenAIRE

World Bank

2004-01-01

This Country Financial Accountability Assessment (CFAA) summarizes the status of implementation of financial management measures of the Federal public sector, showing both strengths, and areas for improvement, and, reflects input contributions in each area of public management. The main strength observed was the existence of clear rules governing the Federal Government's administrative fin...

Financial System of Malaysia: the Concept of Financial Dispute

Directory of Open Access Journals (Sweden)

Evgenia E. Frolova

2017-01-01

Full Text Available Purpose: the article examines the main problems associated the new regulatory acts of Malaysia – the Financial Services Act of 2013 and the Islamic Financial Services Act of 2013; The characteristics of the legal status of the "Ombudsman for financial services" are listed, types of financial disputes subject to settlement under the "financial ombudsman scheme" are listed, parties to the financial dispute are identified. To achieve this goal, the article must solve the following tasks: to determine whether there are institutions in Malaysia that provide services for resolving financial disputes; to investigate the main problems associated with the definition of the concept and types of financial dispute, the conditions for the transfer of a financial dispute to the competent authority. Methods: this article is based on an interdisciplinary concept of research, which allowed to distinguish the distinctive features of the legal regulation of the settlement of financial disputes in Malaysia. Results: according to the provisions of the new laws of Malaysia, namely the Financial Services Act of 2013 and the Islamic Financial Services Act of 2013, a financial dispute should be understood as a dispute, to which the parties are a financial consumer and a financial service provider provider. Financial disputes include disputes in the field of insurance and Islamic insurance, as well as disputes over bank cards, bank accounts, ATMs, Internet banking, mobile banking, and others. The main body for the settlement of financial disputes is the Financial Ombudsman. The competence of the financial ombudsman is limited by the amount of the claim of 250,000 ringgit (about 4.5 million rubles, under insurance claims – 10,000 ringgit, in the field of unauthorized transactions – 25,000 ringgit. The procedure for resolving a financial dispute, which in Malaysia is referred to as the "scheme of a financial ombudsman", is established by the Central Bank of Malaysia

Ten financial management principles for survival.

Science.gov (United States)

Cleverley, W O

1988-03-01

Financial insolvency is the primary cause of hospital failure. Managers may analyze a hospital's financial statements to anticipate and prevent fiscal problems. Ten measures of fiscal status may be used to evaluate the following: operating profitability nonoperating income equity growth liquidity debt capacity age of facilities revenue generation replacement funds receivables survivability Based on data from the Financial Analysis Service, Catholic hospitals are doing better than other U.S. hospitals in some areas of financial preparedness. In most areas, however, all hospitals suffer by comparison with manufacturers. The 10 principles of solvent and successful operations can help hospitals improve financial resiliency.

Weathering the financial storm: The importance of fundamentals and flexibility

DEFF Research Database (Denmark)

Ólafsson, Tjörvi; Pétursson, Thórarinn G.

The recent global financial tsunami has had economic consequences that have not been witnessed since the Great Depression. But while some countries suffered a particularly large contraction in economic activity on top of a system-wide banking and currency collapse, others came off relatively ligh...... in determining the economic impact of the crisis and, in particular, that countries with sound fundamentals and flexible economic frameworks were better able to weather the financial storm....

Exposure to excessive sounds and hearing status in academic classical music students

Directory of Open Access Journals (Sweden)

Małgorzata Pawlaczyk-Łuszczyńska

2017-02-01

Full Text Available Objectives: The aim of this study was to assess hearing of music students in relation to their exposure to excessive sounds. Material and Methods: Standard pure-tone audiometry (PTA was performed in 168 music students, aged 22.5±2.5 years. The control group included 67 subjects, non-music students and non-musicians, aged 22.8±3.3 years. Data on the study subjects’ musical experience, instruments in use, time of weekly practice and additional risk factors for noise-induced hearing loss (NIHL were identified by means of a questionnaire survey. Sound pressure levels produced by various groups of instruments during solo and group playing were also measured and analyzed. The music students’ audiometric hearing threshold levels (HTLs were compared with the theoretical predictions calculated according to the International Organization for Standardization standard ISO 1999:2013. Results: It was estimated that the music students were exposed for 27.1±14.3 h/week to sounds at the A-weighted equivalent-continuous sound pressure level of 89.9±6.0 dB. There were no significant differences in HTLs between the music students and the control group in the frequency range of 4000–8000 Hz. Furthermore, in each group HTLs in the frequency range 1000–8000 Hz did not exceed 20 dB HL in 83% of the examined ears. Nevertheless, high frequency notched audiograms typical of the noise-induced hearing loss were found in 13.4% and 9% of the musicians and non-musicians, respectively. The odds ratio (OR of notching in the music students increased significantly along with higher sound pressure levels (OR = 1.07, 95% confidence interval (CI: 1.014–1.13, p < 0.05. The students’ HTLs were worse (higher than those of a highly screened non-noise-exposed population. Moreover, their hearing loss was less severe than that expected from sound exposure for frequencies of 3000 Hz and 4000 Hz, and it was more severe in the case of frequency of 6000 Hz. Conclusions: The

Exposure to excessive sounds and hearing status in academic classical music students.

Science.gov (United States)

Pawlaczyk-Łuszczyńska, Małgorzata; Zamojska-Daniszewska, Małgorzata; Dudarewicz, Adam; Zaborowski, Kamil

2017-02-21

The aim of this study was to assess hearing of music students in relation to their exposure to excessive sounds. Standard pure-tone audiometry (PTA) was performed in 168 music students, aged 22.5±2.5 years. The control group included 67 subjects, non-music students and non-musicians, aged 22.8±3.3 years. Data on the study subjects' musical experience, instruments in use, time of weekly practice and additional risk factors for noise-induced hearing loss (NIHL) were identified by means of a questionnaire survey. Sound pressure levels produced by various groups of instruments during solo and group playing were also measured and analyzed. The music students' audiometric hearing threshold levels (HTLs) were compared with the theoretical predictions calculated according to the International Organization for Standardization standard ISO 1999:2013. It was estimated that the music students were exposed for 27.1±14.3 h/week to sounds at the A-weighted equivalent-continuous sound pressure level of 89.9±6.0 dB. There were no significant differences in HTLs between the music students and the control group in the frequency range of 4000-8000 Hz. Furthermore, in each group HTLs in the frequency range 1000-8000 Hz did not exceed 20 dB HL in 83% of the examined ears. Nevertheless, high frequency notched audiograms typical of the noise-induced hearing loss were found in 13.4% and 9% of the musicians and non-musicians, respectively. The odds ratio (OR) of notching in the music students increased significantly along with higher sound pressure levels (OR = 1.07, 95% confidence interval (CI): 1.014-1.13, p students' HTLs were worse (higher) than those of a highly screened non-noise-exposed population. Moreover, their hearing loss was less severe than that expected from sound exposure for frequencies of 3000 Hz and 4000 Hz, and it was more severe in the case of frequency of 6000 Hz. The results confirm the need for further studies and development of a hearing conservation program for

Foley Sounds vs Real Sounds

DEFF Research Database (Denmark)

Trento, Stefano; Götzen, Amalia De

2011-01-01

This paper is an initial attempt to study the world of sound effects for motion pictures, also known as Foley sounds. Throughout several audio and audio-video tests we have compared both Foley and real sounds originated by an identical action. The main purpose was to evaluate if sound effects...

78 FR 13869 - Puget Sound Energy, Inc.; Puget Sound Energy, Inc.; Puget Sound Energy, Inc.; Puget Sound Energy...

Science.gov (United States)

2013-03-01

...-123-LNG; 12-128-NG; 12-148-NG; 12- 158-NG] Puget Sound Energy, Inc.; Puget Sound Energy, Inc.; Puget Sound Energy, Inc.; Puget Sound Energy, Inc.; Puget Sound Energy, Inc.; CE FLNG, LLC; Consolidated...-NG Puget Sound Energy, Inc Order granting long- term authority to import/export natural gas from/to...

Assessing the Financial Sustainability of China’s Rural Pension System

Directory of Open Access Journals (Sweden)

Lijian Wang

2014-05-01

Full Text Available Considering the rapid growth of China’s elderly rural population, establishing both an adequate and a financially sustainable rural pension system is a major challenge. Focusing on financial sustainability, this article defines this concept of financial sustainability before constructing sound actuarial models for China’s rural pension system. Based on these models and statistical data, the analysis finds that the rural pension funding gap should rise from 97.80 billion Yuan in 2014 to 3062.31 billion Yuan in 2049, which represents an annual growth rate of 10.34%. This implies that, as it stands, the rural pension system in China is not financially sustainable. Finally, the article explains how this problem could be fixed through policy recommendations based on recent international experiences.

International Policy Responses to the Financial Crisis: A Canadian Perspective

OpenAIRE

Alexandre Laurin; Finn Poschmann; Robin Banerjee

2008-01-01

The relative soundness of the Canadian domestic financial system throughout the crisis suggests that Canada’s regulatory framework does not require a major overhaul. But Canada could benefit if other countries introduced reforms to improve their macroeconomic stability. Other reforms are needed.

Effect of Regional Hospital Competition and Hospital Financial Status on the Use of Robotic-Assisted Surgery.

Science.gov (United States)

Wright, Jason D; Tergas, Ana I; Hou, June Y; Burke, William M; Chen, Ling; Hu, Jim C; Neugut, Alfred I; Ananth, Cande V; Hershman, Dawn L

2016-07-01

Despite the lack of efficacy data, robotic-assisted surgery has diffused rapidly into practice. Marketing to physicians, hospitals, and patients has been widespread, but how this marketing has contributed to the diffusion of the technology remains unknown. To examine the effect of regional hospital competition and hospital financial status on the use of robotic-assisted surgery for 5 commonly performed procedures. A cohort study of 221 637 patients who underwent radical prostatectomy, total nephrectomy, partial nephrectomy, hysterectomy, or oophorectomy at 1370 hospitals in the United States from January 1, 2010, to December 31, 2011, was conducted. The association between hospital competition, hospital financial status, and performance of robotic-assisted surgery was examined. The association between hospital competition was measured with the Herfindahl-Hirschman Index (HHI), hospital financial status was estimated as operating margin, and performance of robotic-assisted surgery was examined using multivariate mixed-effects regression models. We identified 221 637 patients who underwent one of the procedures of interest. The cohort included 30 345 patients who underwent radical prostatectomy; 20 802, total nephrectomy; 8060, partial nephrectomy; 134 985, hysterectomy; and 27 445, oophorectomy. Robotic-assisted operations were performed for 20 500 (67.6%) radical prostatectomies, 1405 (6.8%) total nephrectomies, 2759 (34.2%) partial nephrectomies, 14 047 (10.4%) hysterectomies, and 1782 (6.5%) oophorectomies. Use of robotic-assisted surgery increased for each procedure from January 2010 through December 2011. For all 5 operations, increased market competition (as measured by the HHI) was associated with increased use of robotic-assisted surgery. For prostatectomy, the risk ratios (95% CIs) for undergoing a robotic-assisted procedure were 2.20 (1.50-3.24) at hospitals in moderately competitive markets and 2.64 (1.84-3.78) for highly competitive markets

Islamic Financial Literacy and Personal Financial Planning: A Socio-Demographic Study

Directory of Open Access Journals (Sweden)

Arum Setyowati

2018-02-01

Full Text Available This study aims to measure the level of Islamic Financial Literacy (IFL in Solo society and to test the effect of IFL on personal financial planning. The sociodemographic variables such as age, gender, marital status, education level, and income are being used as the control variable. 313 respondents are involved in this research directly through survey method and Ordinary Least Square (OLS is used to analyze the obtained research data. The study uses purposive sampling method and limiting the education level and income of research respondents. Study questionnaire consists of 20 multiple choice questions to measure respondent IFL and 13 questions to measure respondent personal financial planning. The results showed that: (1 the level of IFL in Solo reach 64.66 percent; (2 people with a good level of IFL tends to have better management in their personal finances, and (3 people with a good level of IFL tend to prefer investing in Islamic asset. Last, this paper will contribute to the scientific development of behavioral finance and financial inclusion which had been highly discussed in the financial literature. This study also became an early research in examining the influence of IFL on personal financial planning.

Bayesian stock assessment of Pacific herring in Prince William Sound, Alaska.

Science.gov (United States)

Muradian, Melissa L; Branch, Trevor A; Moffitt, Steven D; Hulson, Peter-John F

2017-01-01

The Pacific herring (Clupea pallasii) population in Prince William Sound, Alaska crashed in 1993 and has yet to recover, affecting food web dynamics in the Sound and impacting Alaskan communities. To help researchers design and implement the most effective monitoring, management, and recovery programs, a Bayesian assessment of Prince William Sound herring was developed by reformulating the current model used by the Alaska Department of Fish and Game. The Bayesian model estimated pre-fishery spawning biomass of herring age-3 and older in 2013 to be a median of 19,410 mt (95% credibility interval 12,150-31,740 mt), with a 54% probability that biomass in 2013 was below the management limit used to regulate fisheries in Prince William Sound. The main advantages of the Bayesian model are that it can more objectively weight different datasets and provide estimates of uncertainty for model parameters and outputs, unlike the weighted sum-of-squares used in the original model. In addition, the revised model could be used to manage herring stocks with a decision rule that considers both stock status and the uncertainty in stock status.

Bayesian stock assessment of Pacific herring in Prince William Sound, Alaska.

Directory of Open Access Journals (Sweden)

Melissa L Muradian

Full Text Available The Pacific herring (Clupea pallasii population in Prince William Sound, Alaska crashed in 1993 and has yet to recover, affecting food web dynamics in the Sound and impacting Alaskan communities. To help researchers design and implement the most effective monitoring, management, and recovery programs, a Bayesian assessment of Prince William Sound herring was developed by reformulating the current model used by the Alaska Department of Fish and Game. The Bayesian model estimated pre-fishery spawning biomass of herring age-3 and older in 2013 to be a median of 19,410 mt (95% credibility interval 12,150-31,740 mt, with a 54% probability that biomass in 2013 was below the management limit used to regulate fisheries in Prince William Sound. The main advantages of the Bayesian model are that it can more objectively weight different datasets and provide estimates of uncertainty for model parameters and outputs, unlike the weighted sum-of-squares used in the original model. In addition, the revised model could be used to manage herring stocks with a decision rule that considers both stock status and the uncertainty in stock status.

47 CFR 3.24 - Evidence of financial responsibility.

Science.gov (United States)

2010-10-01

... Section 3.24 Telecommunication FEDERAL COMMUNICATIONS COMMISSION GENERAL AUTHORIZATION AND ADMINISTRATION OF ACCOUNTING AUTHORITIES IN MARITIME AND MARITIME MOBILE-SATELLITE RADIO SERVICES Application... financial status. To the extent that the applicant is a business, formal financial statements will be...

[Financing of regional occupational health service centers: structure and financial criteria in years 2000-2001].

Science.gov (United States)

Rydlewska-Liszkowska, Izabela

2003-01-01

The rational planning and financing of occupational health services at the national level have to be based on an appropriate system of information about individual units and their financial status that could illustrate their financial administration. This is required not only in view of the internal needs of public money management, but also in view of the national health accounts. The major task in this regard is to assess the level and structure of financing to individual units and to check the soundness of criteria used in the process of supplying financial means. The results of such an analysis can be a valuable source of information for planning carried out also by the institutions which provide funds to cover the cost of tasks performed by individual units. The aim of the project implemented by the Nofer Institute of Occupational Medicine was to collect, process and analyze data on the level and structure of financing of provincial occupational medicine centers. In this paper, the objectives, methodology and analytical tools are discussed. The results and structural data on the level and structure of financing of regional occupational health services centers covering a two-year period are presented. At the same time, the criteria for allocating funds were identified, which made it possible to evaluate the situation and to propose new solutions.

The application of financial management in enterprise management

Institute of Scientific and Technical Information of China (English)

刘国晴

2017-01-01

Nowadays, financial management plays a vital role in the process of enterprise operation. To improve the level and ability offinancial management of enterprises is of great significance to the realization of the modernization of enterprises and the sustainable development ofscience. In this paper, the financial management status would be first proposed, and suggestions would be made to improve the financial managementin enterprises.

The Canadian Nuclear Safety Commission's financial guarantee requirements

International Nuclear Information System (INIS)

Ferch, R.

2006-01-01

The Nuclear Safety and Control Act gives the Canadian Nuclear Safety Commission (CNSC) the legal authority to require licensees to provide financial guarantees in order to meet the purposes of the Act. CNSC policy and guidance with regard to financial guarantees is outlined, and the current status of financial guarantee requirements as applied to various CNSC licensees is described. (author)

Socioeconomic Status, Financial Strain, and Leukocyte Telomere Length in a Sample of African American Midlife Men.

Science.gov (United States)

Schrock, Joshua M; Adler, Nancy E; Epel, Elissa S; Nuru-Jeter, Amani M; Lin, Jue; Blackburn, Elizabeth H; Taylor, Robert Joseph; Chae, David H

2017-06-20

African American men in the USA experience poorer aging-related health outcomes compared to their White counterparts, partially due to socioeconomic disparities along racial lines. Greater exposure to socioeconomic strains among African American men may adversely impact health and aging at the cellular level, as indexed by shorter leukocyte telomere length (LTL). This study examined associations between socioeconomic factors and LTL among African American men in midlife, a life course stage when heterogeneity in both health and socioeconomic status are particularly pronounced. Using multinomial logistic regression, we examined associations between multiple measures of SES and tertiles of LTL in a sample of 92 African American men between 30 to 50 years of age. Reports of greater financial strain were associated with higher odds of short versus medium LTL (odds ratio (OR)=2.21, p = 0.03). Higher income was associated with lower odds of short versus medium telomeres (OR=0.97, p = 0.04). Exploratory analyses revealed a significant interaction between educational attainment and employment status (χ 2  = 4.07, p = 0.04), with greater education associated with lower odds of short versus long telomeres only among those not employed (OR=0.10, p = 0.040). Cellular aging associated with multiple dimensions of socioeconomic adversity may contribute to poor aging-related health outcomes among African American men. Subjective appraisal of financial difficulty may impact LTL independently of objective dimensions of SES. Self-appraised success in fulfilling traditionally masculine gender roles, including being an economic provider, may be a particularly salient aspect of identity for African American men and have implications for cellular aging in this population.

Teaching retirement financial literacy in an undergraduate gerontology classroom: broadening the concept of the tripod or three-legged stool of retirement income utilizing active learning.

Science.gov (United States)

Baker, Hallie E; Brown, Pamela Pitman

2015-01-01

The three-legged stool concept is widely used in gerontological and geriatric education as an explanation on how one should fiscally approach his or her retirement. Financial managers, planners, retirees, business owners, even the Social Security Administration uses this metaphor of fiscal soundness in retirement planning. Gerontologists are moving away from the "tripod of retirement income" and "three-legged stool" term, as more often market work is needed for financial security. This activity focuses on the tripod or three-legged stool concepts of retirement planning using active learning, allowing the students to work collaboratively in a group, reflect upon the activity, and most importantly have fun. The game also allows for an expansion of the tripod concepts into the four pillars of economic security, broaching the use of personal assets and the possible need for longer employment. Game scenarios also emphasize macro- and microlevel forces, such as race, gender, health status, education, or marital status, which can influence timing of retirement or the level of retirement income available. The authors include instructions on how to set up the learning experience including worksheets, as well as reflection questions posed throughout the process.

Monetary Policy and Financial (InStability

Directory of Open Access Journals (Sweden)

Adam Koronowski

2010-06-01

Full Text Available This paper presents how monetary policy, restricted only by price stability, may easily become propitious to asset inflation and – eventually – to a financial crisis. This risk is particularly high when the financial system lacks proper regulation and effective supervision. Hasty liberalization, negligence of official oversight and „Greenspan doctrine” which refuted any activist policy promoting financial stability characterized Fed’s monetary policy under the former Fed’s governor. The paper also analyses another aspect of the linkages between monetary policy and financial crises – monetary policy reaction to financial crises. It is not surprising that it consists of cutting interest rates and bail-out of insolvent, systemically important financial institutions. Such policy, especially when run too long and changed too abruptly, not only creates moral hazards but it also sets the stage for another „search for yield” and build-up of another speculative bubble. As a result, monetary policy becomes asymmetric and pro-cyclical. Fed’s reaction to the recent crisis seems to be very much in line with this pattern typical of Fed’s policy in the past. However, this time the scale of flooding the economy with liquidity and – as a consequence – the risks of future major imbalances in the financial system are unprecedented. A general conclusion of the paper says that there can’t be a sound financial and economic system unless money itself is a scarce resource. However trivial this statement is, monetary policy of some central banks seems to miss the point.

An index of financial safety of China

Directory of Open Access Journals (Sweden)

Xiaojun Jia

2015-04-01

Full Text Available Purpose: This paper combines a synthetic index system by the variables and evaluates China’s financial safety through the change of indexes in a comprehensive way. First of all, it builds the financial industry evaluation index system composed of 25indicators in terms of the operation of the financial industry and external economic environment and particularly takes into consideration factors which might trigger liquidity risks such as off-balance-sheet business, interbank business and shadow banking; then it selects 10 indicators to conduct empirical analysis and identifies the indicator weight through principal component analysis; finally it combines the financial safety indexes through the linear weighted comprehensive evaluation model.Design/methodology/approach: Synthesis of indexes is made by constructing a proper comprehensive evaluation mathematical model, integrating a number of evaluation indexes into one comprehensive evaluation index and then obtaining corresponding comprehensive evaluation results. In this paper, it selects 10 indexes to conduct empirical analysis and identifies the index weight through principal component analysis; finally it combines the financial safety indexes through the linear weighted comprehensive evaluation model. Principal component analysis (PCA is a statistical procedure that uses an orthogonal transformation to convert a set of observations of possibly correlated variables into a set of values of linearly uncorrelated variables called principal components. PCA was invented in 1901 and was later independently developed (and named by Harold Hotelling in the 1930s.Findings: From 2003 to 2013 China’s financial safety indexes fluctuated. From 2003 to 2007 indexes rose, which indicates China’s financial safety status gradually improved; from 2007 to 2009 indexes declined, which indicates due to the impact of subprime crisis, China’s financial safety status took a turn for the worse; from 2009 to 2012

THE ROLE OF EUROPEAN BANK FOR RECONSTRUCTION AND DEVELOPMENT IN PROMOTING ENVIRONMENTALLY SOUND AND SUSTAINABLE DEVELOPMENT

Directory of Open Access Journals (Sweden)

CONSTANTIN BRĂGARU

2013-05-01

Full Text Available One of the most important development banks which finances private initiatives in the Central and Eastern Europe countries is the European Bank for Reconstruction and Development (EBRD. EBRD as international financial institution plays a very important role in the development of many sectors such as agribusiness, energy efficiency, financial institutions, manufacturing, municipal and environmental infrastructure, natural resources, power and energy, property and tourism, telecommunications, information technology and media, transport. Its objectives aim to promote transition to market economies by investing mainly in the private sector, to mobilize significant foreign direct investment, to support privatization, restructuring and better municipal services to improve people’s lives and to encourage environmentally sound and sustainable development. The present scientific article focuses on the last objective respectively the bank commitment to promote environmentally sound and sustainable development and shortly presents EBRD environmental policy because EBRD, unlike other development banks, has strong and imperative regulations regarding this issue. This is why all the EBRD potential beneficiaries must prove that their projects are environmentally sound.

Sound

CERN Document Server

Robertson, William C

2003-01-01

Muddled about what makes music? Stuck on the study of harmonics? Dumbfounded by how sound gets around? Now you no longer have to struggle to teach concepts you really don t grasp yourself. Sound takes an intentionally light touch to help out all those adults science teachers, parents wanting to help with homework, home-schoolers seeking necessary scientific background to teach middle school physics with confidence. The book introduces sound waves and uses that model to explain sound-related occurrences. Starting with the basics of what causes sound and how it travels, you'll learn how musical instruments work, how sound waves add and subtract, how the human ear works, and even why you can sound like a Munchkin when you inhale helium. Sound is the fourth book in the award-winning Stop Faking It! Series, published by NSTA Press. Like the other popular volumes, it is written by irreverent educator Bill Robertson, who offers this Sound recommendation: One of the coolest activities is whacking a spinning metal rod...

INFORMATION ON FINANCIAL INSTRUMENTS INCLUDED IN ANNUAL FINANCIAL STATEMENTS

Directory of Open Access Journals (Sweden)

Marius Gust

2013-01-01

Full Text Available This survey aims at emphasizing several aspects of the recognition, measurement and presentation of information on capital assets and how they are reflected in accounting. In this respect, here is a presentation of the calculation, preparation and regulation of impairment that can affect capital assets and the way accounting entries may influence the financial status and performance of a company. Although the bookkeeping variants of asset impairment, namely the Romanian and the international ones, are different, the information reported in annual financial statements is the same and assets are shown at their fair values. The issues approached in the paper herein are vast and they open new prospects to scientific research.

Islamic Financial Literacy and Personal Financial Planning: A Socio-Demographic Study

Directory of Open Access Journals (Sweden)

Arum Setyowati

2018-02-01

Full Text Available This study aims to measure the level of Islamic Financial Literacy (IFL in Solo society and to test the effect of IFL on personal financial planning. The socio-demographic variables such as age, gender, marital status, education level, and income are being used as the control variable. 313 respondents are involved in this research directly through survey method and Ordinary Least Square (OLS is used to analyze the obtained research data. The study uses purposive sampling method and limiting the education level and income of research respondents. Study questionnaire consists of 20 multiple choice questions to measure respondent IFL and 13 questions to measure respondent personal financial planning. The results showed that: (1 the level of IFL in Solo reach 64.66 percent; (2 people with a good level of IFL tends to have better management in their personal finances; and (3 people with a good level of IFL tends to prefer investing on Islamic asset. Last, this paper will contribute to the scientific development of behavioral finance and financial inclusion which had been highly discussed in the financial literature. This study also became an early research in examining the influence of IFL on personal financial planning.

Financial Quality of Life for Patients With Cancer: An Exploratory Study.

Science.gov (United States)

Callahan, Christine; Brintzenhofeszoc, Karlynn

2015-01-01

For people who are experiencing financial hardship, a cancer diagnosis can be devastating. For others, cancer may exacerbate financial stress, thereby influencing their livelihood, their ability to maintain employment benefits including health insurance, manage financial obligations, and participate meaningfully in cancer treatment. This study examined how vulnerabilities in psychosocial situations affect financial quality of life within the larger context of health-care decision making through a survey conducted with a cross-sectional availability sample of 90 cancer patients. Results from the multiple regression analysis found that health insurance adequacy, fewer perceived barriers to care, and reduced financial stress are significant predictors of better financial quality of life in this sample. Oncology social workers and other disciplines involved in psychosocial treatment with patients with cancer must assess and address financial and logistic aspects of life in order to provide comprehensive cancer care that meets all needs. Collaborative coordination with patients with cancer and their families to intervene psychosocially, medically, and financially are critical components of sound psychosocial and medical practice.

Research on fiber Bragg grating heart sound sensing and wavelength demodulation method

Science.gov (United States)

Zhang, Cheng; Miao, Chang-Yun; Gao, Hua; Gan, Jing-Meng; Li, Hong-Qiang

2010-11-01

Heart sound includes a lot of physiological and pathological information of heart and blood vessel. Heart sound detecting is an important method to gain the heart status, and has important significance to early diagnoses of cardiopathy. In order to improve sensitivity and reduce noise, a heart sound measurement method based on fiber Bragg grating was researched. By the vibration principle of plane round diaphragm, a heart sound sensor structure of fiber Bragg grating was designed and a heart sound sensing mathematical model was established. A formula of heart sound sensitivity was deduced and the theoretical sensitivity of the designed sensor is 957.11pm/KPa. Based on matched grating method, the experiment system was built, by which the excursion of reflected wavelength of the sensing grating was detected and the information of heart sound was obtained. Experiments show that the designed sensor can detect the heart sound and the reflected wavelength variety range is about 70pm. When the sampling frequency is 1 KHz, the extracted heart sound waveform by using the db4 wavelet has the same characteristics with a standard heart sound sensor.

ISSUERS OF FINANCIAL INSTRUMENTS

Directory of Open Access Journals (Sweden)

Cristian GHEORGHE

2016-05-01

Full Text Available The rules laid down by Romanian Capital Market Law and the regulations put in force for its implementation apply to issuers of financial instruments admitted to trading on the regulated market established in Romania. But the issuers remain companies incorporated under Company Law of 1990. Such dual regulations need increased attention in order to observe the legal status of the issuers/companies and financial instruments/shares. Romanian legislator has chosen to implement in Capital Market Law special rules regarding the administration of the issuers of financial instruments, not only rules regarding admitting and maintaining to a regulated market. Thus issuers are, in Romanian Law perspective, special company that should comply special rule regarding board of administration and general shareholders meeting.

To What Extent Do Financial Strain and Labour Force Status Explain Social Class Inequalities in Self-Rated Health? Analysis of 20 Countries in the European Social Survey

Science.gov (United States)

Shaw, Richard J.; Benzeval, Michaela; Popham, Frank

2014-01-01

Introduction Nordic countries do not have the smallest health inequalities despite egalitarian social policies. A possible explanation for this is that drivers of class differences in health such as financial strain and labour force status remain socially patterned in Nordic countries. Methods Our analyses used data for working age (25–59) men (n = 48,249) and women (n = 52,654) for 20 countries from five rounds (2002–2010) of the European Social Survey. The outcome was self-rated health in 5 categories. Stratified by gender we used fixed effects linear regression models and marginal standardisation to instigate how countries varied in the degree to which class inequalities were attenuated by financial strain and labour force status. Results and Discussion Before adjustment, Nordic countries had large inequalities in self-rated health relative to other European countries. For example the regression coefficient for the difference in health between working class and professional men living in Norway was 0.34 (95% CI 0.26 to 0.42), while the comparable figure for Spain was 0.15 (95% CI 0.08 to 0.22). Adjusting for financial strain and labour force status led to attenuation of health inequalities in all countries. However, unlike some countries such as Spain, where after adjustment the regression coefficient for working class men was only 0.02 (95% CI −0.05 to 0.10), health inequalities persisted after adjustment for Nordic countries. For Norway the adjusted coefficient was 0.17 (95% CI 0.10 to 0.25). Results for women and men were similar. However, in comparison to men, class inequalities tended to be stronger for women and more persistent after adjustment. Conclusions Adjusting for financial security and labour force status attenuates a high proportion of health inequalities in some counties, particularly Southern European countries, but attenuation in Nordic countries was modest and did not improve their relative position. PMID:25313462

A Change of a Consonant Status: the Bedouinisation of the [j] Sound in the Speech of Kuwaitis: A Case Study

Directory of Open Access Journals (Sweden)

Abdulmohsen A. Dashti

2015-09-01

Full Text Available In light of sociolinguist phonological change, the following study investigates the [j] sound in the speech of Kuwaitis as the predominant form and characterizes the sedentary population which is made up of both the indigenous and non-indigenous group; while [ʤ] is the realisation of the Bedouins who are also a part of the indigenous population. Although [ʤ] is the classical variant, it has, for some time, been regarded by Kuwaitis as the stigmatized form and the [j] as the one that carries prestige. This study examines the change of status of [j] and [ʤ] in the speech of Kuwaitis. The main hypothesis is that [j] no longer carries prestige. To test this hypothesis, 40 Kuwaitis of different gender, ages, educational background, and social networks were spontaneously chosen to be interviewed. Their speech was phonetically transcribed and accordingly was quantitatively and qualitatively analyzed. Results indicate that the [j] variant is undergoing change of status and that the social parameters and the significant political and social changes, that Kuwait has undergone recently, have triggered this linguistic shift.

Primate auditory recognition memory performance varies with sound type.

Science.gov (United States)

Ng, Chi-Wing; Plakke, Bethany; Poremba, Amy

2009-10-01

Neural correlates of auditory processing, including for species-specific vocalizations that convey biological and ethological significance (e.g., social status, kinship, environment), have been identified in a wide variety of areas including the temporal and frontal cortices. However, few studies elucidate how non-human primates interact with these vocalization signals when they are challenged by tasks requiring auditory discrimination, recognition and/or memory. The present study employs a delayed matching-to-sample task with auditory stimuli to examine auditory memory performance of rhesus macaques (Macaca mulatta), wherein two sounds are determined to be the same or different. Rhesus macaques seem to have relatively poor short-term memory with auditory stimuli, and we examine if particular sound types are more favorable for memory performance. Experiment 1 suggests memory performance with vocalization sound types (particularly monkey), are significantly better than when using non-vocalization sound types, and male monkeys outperform female monkeys overall. Experiment 2, controlling for number of sound exemplars and presentation pairings across types, replicates Experiment 1, demonstrating better performance or decreased response latencies, depending on trial type, to species-specific monkey vocalizations. The findings cannot be explained by acoustic differences between monkey vocalizations and the other sound types, suggesting the biological, and/or ethological meaning of these sounds are more effective for auditory memory. 2009 Elsevier B.V.

76 FR 17047 - Authority To Designate Financial Market Utilities as Systemically Important

Science.gov (United States)

2011-03-28

... functioning is integral to the soundness of the financial system and the overall economy. The importance of... Council to apply a transparent and clear communication strategy surrounding all designation decisions. The..., Better Markets, The Clearing House, Debevoise & Plimpton, The Depository Trust & Clearing Corporation...

29 CFR 2550.408b-6 - Statutory exemption for ancillary services by a bank or similar financial institution.

Science.gov (United States)

2010-07-01

....408b-6 Statutory exemption for ancillary services by a bank or similar financial institution. (a) In... service is consistent with sound banking and financial practice, as determined by Federal or State... 29 Labor 9 2010-07-01 2010-07-01 false Statutory exemption for ancillary services by a bank or...

Correlates of health and financial literacy in older adults without dementia.

Science.gov (United States)

Bennett, Jarred S; Boyle, Patricia A; James, Bryan D; Bennett, David A

2012-06-12

Recent research has begun to recognize the important influence of literacy levels and how they affect health and wellbeing, especially in older adults. Our study focuses on health and financial literacy, two domains of literacy which previous research has suggested may be significantly related to health and wellbeing. Our study examines the relation of health and financial literacy with health promoting behaviors and health status among community-based older persons. We conducted a cross-sectional study using data from the Rush Memory and Aging Project, a community-based cohort study of aging in northeastern Illinois. The study consisted of 556 older persons without dementia, each determined by a clinical evaluation. Health and financial literacy were measured using a series of questions designed to assess the ability to understand and process health and financial information, concepts, and numeracy; the two scores were averaged to yield a total literacy score. Health promoting behaviors, including engagement in cognitive, physical, and social activities, were assessed using self report measures. Indicators of heath status, including cognition (global cognition and five specific cognitive abilities), functional status (basic and instrumental activities of daily living, mobility disability), and mental health (depressive symptoms, loneliness) were assessed. In a series of regression models adjusted for age, sex, and education, higher total literacy scores were associated with more frequent participation in health promoting behaviors, including cognitive, physical and social activities (all p values literacy scores were associated with higher cognitive function, less disability, and better mental health (all p values Literacy remained associated with health promoting behaviors and health status in fully adjusted models that also controlled for income and the number of chronic medical conditions. Most of the findings were similar for health and financial literacy

Colombia - National Level Public Financial Management and Procurement Report : Status of the Public Financial Management and Procurement System

OpenAIRE

World Bank; Inter-American Development Bank

2009-01-01

This Public Financial Management Performance Report (PFMPR) analyzes the performance of Colombia's public financial management (PFM) institutions, systems and processes. It documents areas where performance is close to or follows international good practice, as well as opportunities to further enhance PFM contribution to the goals of strengthening fiscal discipline, enabling more efficient...

[Frequency and consequences of financial problems in patients undergoing outpatient psychosomatic treatment].

Science.gov (United States)

Wagner, Stefanie; Münster, Eva; Beutel, Manfred E

2010-01-01

About seven million people in Germany are affected by overindebtedness and insolvency. Being severely in debt is a very stressful situation that can result in social marginalisation, reducted overall activity, and physical and mental illness. The present study investigated the frequency of financial problems and their effects on physical and mental disorders at a university psychosomatic clinic. The study included a total of 659 patients. Their mental status was assessed with the Symptom Checklist (SCL-90-R), their physical status with the Gießener Beschwerdebogen (GBB). 37 percent of the subjects reported experiencing financial problems. We found that subjects with financial problems reported more physical and mental disorders than those without financial problems. Furthermore, therapists more often recommended that patients with financial problems receive inpatient therapy than patients without financial problems. The study suggests that financial problems should be included in any anamnesis, therapeutic recommendation, and actual therapy of patients in psychosomatic treatment.

Research on the Undergraduate Financial Engineering Education in China

Science.gov (United States)

Ma, Haiyong; Zhang, Weiwei

2011-01-01

The rapid development of modern economy has put forward higher requirements for financial engineering education. This paper analyzes the status and problems in undergraduate financial engineering education in china, such as indistinct training objective, rigid curriculum structure, and superficial teaching methods, etc. and puts forward…

Young Adults' Financial Socialization Processes as Influences of Conceptualization and Understanding of Financial Well-Being and Choice in Relationship Commitment

Science.gov (United States)

Rea, Jennifer K.

2017-01-01

The two studies presented in this dissertation provide an understanding of young adults' perspective financial socialization processes and how the experiences influence a conceptualization of financial well-being and their choice of romantic relationship status (Study 1: N = 31, Study 2: N = 549). Study 1 has adapted Gudmunson and Danes' (2011)…

Sound algorithms

OpenAIRE

De Götzen , Amalia; Mion , Luca; Tache , Olivier

2007-01-01

International audience; We call sound algorithms the categories of algorithms that deal with digital sound signal. Sound algorithms appeared in the very infancy of computer. Sound algorithms present strong specificities that are the consequence of two dual considerations: the properties of the digital sound signal itself and its uses, and the properties of auditory perception.

Patterns and risk factors associated with speech sounds and language disorders in pakistan

International Nuclear Information System (INIS)

Arshad, H.; Ghayas, M.S.; Madiha, A.

2013-01-01

To observe the patterns of speech sounds and language disorders. To find out associated risk factors of speech sounds and language disorders. Background: Communication is the very essence of modern society. Communication disorders impacts quality of life. Patterns and factors associated with speech sounds and language impairments were explored. The association was seen with different environmental factors. Methodology: The patients included in the study were 200 whose age ranged between two and sixteen years presented in speech therapy clinic OPD Mayo Hospital. A cross-sectional survey questionnaire assessed the patient's bio data, socioeconomic background, family history of communication disorders and bilingualism. It was a descriptive study and was conducted through cross-sectional survey. Data was analysed by SPSS version 16. Results: Results reveal Language disorders were relatively more prevalent in males than those of speech sound disorders. Bilingualism was found as having insignificant effect on these disorders. It was concluded from this study that the socioeconomic status and family history were significant risk factors. Conclusion: Gender, socioeconomic status, family history can play as risk for developing speech sounds and language disorders. There is a grave need to understand patterns of communication disorders in the light of Pakistani society and culture. It is recommended to conduct further studies to determine risk factors and patterns of these impairments. (author)

46 CFR 7.20 - Nantucket Sound, Vineyard Sound, Buzzards Bay, Narragansett Bay, MA, Block Island Sound and...

Science.gov (United States)

2010-10-01

... 46 Shipping 1 2010-10-01 2010-10-01 false Nantucket Sound, Vineyard Sound, Buzzards Bay, Narragansett Bay, MA, Block Island Sound and easterly entrance to Long Island Sound, NY. 7.20 Section 7.20... Atlantic Coast § 7.20 Nantucket Sound, Vineyard Sound, Buzzards Bay, Narragansett Bay, MA, Block Island...

Development of Optophone with No Diaphragm and Application to Sound Measurement in Jet Flow

Directory of Open Access Journals (Sweden)

Yoshito Sonoda

2012-01-01

Full Text Available The optophone with no diaphragm, which can detect sound waves without disturbing flow of air and sound field, is presented as a novel sound measurement technique and the present status of development is reviewed in this paper. The method is principally based on the Fourier optics and the sound signal is obtained by detecting ultrasmall diffraction light generated from phase modulation by sounds. The principle and theory, which have been originally developed as a plasma diagnostic technique to measure electron density fluctuations in the nuclear fusion research, are briefly introduced. Based on the theoretical analysis, property and merits as a wave-optical sound detection are presented, and the fundamental experiments and results obtained so far are reviewed. It is shown that sounds from about 100 Hz to 100 kHz can be simultaneously detected by a visible laser beam, and the method is very useful to sound measurement in aeroacoustics. Finally, present main problems of the optophone for practical uses in sound and/or noise measurements and the image of technology expected in the future are shortly shown.

Australia; Financial System Stability Assessment, including Reports on the Observance of Standards and Codes on the following topics: Banking Supervision, Insurance Regulation, Securities Regulation, and Payment Systems

OpenAIRE

International Monetary Fund

2006-01-01

The Australian banking system, which holds approximately half of total financial systems assets, and is dominated by four major banks, is sound with high earnings, high asset growth, and low levels of problem assets. Stress tests did not reveal near-term stability concerns, suggesting the banking system is likely to be resilient to adverse shocks. Australia’s financial supervisory structure of prudential authority and market conduct authority is sound overall. The medium-term challenges facin...

ANALYSIS OF THE MAIN STRUCTURAL CHARACTERISTICS OF THE ROMANIAN FINANCIAL SYSTEM

Directory of Open Access Journals (Sweden)

Marius Constantin Apostoaie

2011-12-01

Full Text Available To know and to understand the factors within a financial system that significantly influences the institutions behaviour and the market responses to the central bank actions is of great importance for the monetary authorities and for the achievement of their monetary policy objectives. In Romania, the National Bank must pay special attention to financial institutions given their significant role in the process of financial intermediation (bank-based system. This study aims to conduct an investigation of the main coordinates of the Romanian financial system that are relevant for the study of the monetary policy transmission mechanism. The study focuses on the following features of the Romanian financial system: financial deepening, the existence of a bank-based system, the concentration degree of the Romanian banking sector, the balance sheet structure of monetary financial institutions and the soundness of the banking system. The study also considers the effects of the recent financial market turmoil on the financial system. The span of the empirical study covers the period after 2000 but brings to the forefront the period before and after October 2008. We believe that this research provides useful information for a future analysis of the Romanian monetary policy transmission mechanism.

The Republic of Uganda : Country Financial Accountability Assessment

OpenAIRE

World Bank

2004-01-01

This Country Financial Accountability Assessment (CFAA) is an update of the assessment done in 2001. It discusses progress made in the area of Public Financial Management (PFM) reforms since then, and provides a status-matrix in Appendix 1 on the implementation of the key recommendations of the 2001 CFAA. following are recommendations noteworthy: streamline the requirements in the budget ...

Learning Financial Reports From Mixed Symbolic-Spatial Graphs

Science.gov (United States)

Tanlamai, Uthai; Soongswang, Oranuj

2011-01-01

Mixed visuals of numbers and graphs are available in various financial reports that demonstrate the financial status and risks of a firm. GWN (graphs with numbers) and TWG (table of numbers with graphs) were used as two alternative visuals derived from the actual data of two large public companies, one from food manufacturing industry (food) and…

Socioeconomic, psychological and demographic determinants of Australian baby boomers' financial planning for retirement.

Science.gov (United States)

Noone, Jack; O'Loughlin, Kate; Kendig, Hal

2012-09-01

Research from around the Western World has shown that psychological, socioeconomic and demographic factors can influence levels of financial planning. This study aims to determine how these factors interrelate to predict planning outcomes. Data from the Ageing Baby Boomers in Australia Study were used to examine the effects of multiple factors on financial planning for 709 employed Australians nearing retirement. The results showed that higher income, future time perspective (FTP) and financial knowledge independently predicted levels of retirement planning. The effects of FTP and financial knowledge on financial planning were consistent across levels of socioeconomic status. While similar issues in financial planning appeared across socioeconomic status, a 'one size fits all' approach to retirement policy may not be effective. Instead, policy should be targeted towards the diverse needs of different groups. Raising public awareness of FTP and financial knowledge may provide a useful starting point. © 2012 The Authors. Australasian Journal on Ageing © 2012 ACOTA.

Identifying Emerging Trends of Financial Business Method Patents

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Won Sang Lee

2017-09-01

Full Text Available Financial technology has become an important part of the banking industry in recent times. This study attempts to propose a framework to identify emerging areas and trends using financial business method patents. Based on the abstracts of financial business method patents registered at the United States Patent and Trademark Office, this study first applies latent Dirichlet allocation to identify emerging topics. The probability of the annual occurrence of each topic is adjusted through the exponentially weighted moving average to reflect the importance of the recent probability of topics. Each topic is classified as “hot” or “cold” depending on whether the exponentially weighted moving average of the probabilities exceeds the threshold. We applied survival analysis to the time gap of recurrently becoming hot from a cold status with the associated factor of financial business method patents. The findings suggest that the topic with the short granted period and high forward citation is likely to become hot. In addition, the topic that is aged and specific in narrow areas is likely to continuously change into the hot or cold status. The approach proposed in this study contributes toward understanding topic emergence in the financial area and pursuing sustainable development.

Variations of Young Germans' Informal Conceptions of Financial and Economic Crises Phenomena

Science.gov (United States)

Aprea, Carmela; Sappa, Viviana

2014-01-01

The development of a sound understanding of financial and economic crises phenomena must be considered an important goal within the scope of citizenship, economic and social science education. As with every other educational endeavour, this intention requires solid information about what informal conceptions learners hold about this specific…

Correlates of health and financial literacy in older adults without dementia

Directory of Open Access Journals (Sweden)

Bennett Jarred S

2012-06-01

Full Text Available Abstract Background Recent research has begun to recognize the important influence of literacy levels and how they affect health and wellbeing, especially in older adults. Our study focuses on health and financial literacy, two domains of literacy which previous research has suggested may be significantly related to health and wellbeing. Our study examines the relation of health and financial literacy with health promoting behaviors and health status among community-based older persons. Methods We conducted a cross-sectional study using data from the Rush Memory and Aging Project, a community-based cohort study of aging in northeastern Illinois. The study consisted of 556 older persons without dementia, each determined by a clinical evaluation. Health and financial literacy were measured using a series of questions designed to assess the ability to understand and process health and financial information, concepts, and numeracy; the two scores were averaged to yield a total literacy score. Health promoting behaviors, including engagement in cognitive, physical, and social activities, were assessed using self report measures. Indicators of heath status, including cognition (global cognition and five specific cognitive abilities, functional status (basic and instrumental activities of daily living, mobility disability, and mental health (depressive symptoms, loneliness were assessed. Results In a series of regression models adjusted for age, sex, and education, higher total literacy scores were associated with more frequent participation in health promoting behaviors, including cognitive, physical and social activities (all p values Conclusions Health and financial literacy are associated with more frequent engagement in health promoting behaviors and better health status in older persons without dementia.

Study on financial risk towards individual investor as strategy to improve urban community empowerment

Science.gov (United States)

Leon, F. M.; Aprilia, A.

2018-01-01

Investor will be always influenced by its risk tolerance when investing, each investor has own risk tolerance that differ to another, although this still being questioned until now. This research aimed to know the influence of demography factor in distinguish and classify Financial Risk Tolerance (FRT) and Financial Risk Taking Behavior (FRB) to individual investor. Methodology in this research is data that used as primary data which distributed by offline and online. The sample in this research is 642 respondents in Jakarta. Logistic regression is analyze method that used in this research. The research found that there is influence of gender, marital, status, education and income level to Financial Risk Tolerance (FRT) and Financial Risk Taking Behavior (FRB). For FRT significantly 0.000 for gender and marital status; 0.010 for education and 0.001 for income level. Whereas for FRB significantly 0.000 for gender; 0.003 for marital status and 0.010 for education level. The research contribution is crucial for financial advisor to notice the characteristic investor based on demography factor such as gender, marital, status, education level and income level. Therefore, this research able to give optional decision for appropriate investment to clients as ones of strategy to improve urban community empowerment.

Financial management practices and attitudes of dental hygienists: a descriptive study.

Science.gov (United States)

Russell, Katherine; Stramoski, Sandra

2011-01-01

The purpose of this study was to determine the financial management goals and practices of registered dental hygienists, their satisfaction with their current financial situations and their attitudes about savings, investments and retirement. A 40 question electronic survey was completed by 388 registered dental hygienists. The descriptive instrument assessed financial practices, attitudes, goals and beliefs, retirement mindset, savings habits, debt tendencies and demographic characteristics of respondents. Statistical analyses compared respondents' beliefs about their financial independence and security with their current financial practices. Analyses included: independent samples t-tests, chi-square analysis and ANOVA. Most dental hygienists believed themselves to be financially independent and reported satisfaction with their current financial situation. Significant relationships existed between respondents' satisfaction with their current financial situations and their financial attitudes and practices (saving regularly and having limited debt). Those who indicated they had personally saved for retirement were more likely to view these savings as their largest source of income during retirement, as opposed to Social Security benefits. A majority agreed that financial management education should be included in the dental hygiene curriculum, and that they would attend a continuing education course on the subject if offered. The results of this study suggest that hygienists have confidence in their ability to provide secure financial futures for themselves. Hygienists who practiced sound financial planning, such as adhering to monthly budgets, having wills, lowering debt and saving regularly, reported a higher level of financial security than those who did not. Most respondents expressed interest in receiving education about financial management through the dental hygiene curriculum and continuing education courses.

Fitting Islamic Financial Contracts in Developing Agricultural Land

Directory of Open Access Journals (Sweden)

Muhammad Hakimi Mohd Shafiai

2015-06-01

Full Text Available The Islamic finance industry is one of the fastest growing industries in the world. However, many potential Muslim customers, particularly in rural areas, have unfulfilled banking needs and lack access to financing. Meanwhile, entrepreneurial projects in the agricultural sector are presumed to optimize economic growth. In addition, some scholars have expounded that the financial problems faced by the agricultural sector are caused by the risks of debt financing and lack of access to the capital market. In Islamic law, almuzara’ah and al-musaqah can be considered as forms of partnership contract in farming. Therefore, using descriptive analysis, this paper attempts to portray how Islamic financial principles are closely related to the agricultural sector in developing Islamic agricultural finance. This study found that the application of the modes of Islamic financing in the agricultural sector through financial institutions could be very effective in providing financing to ensure that the partnership progresses effectively and efficiently. As a result, there is an urgent need to develop a sound agricultural financial system based on Islamic contracts in order to increase and sustain the income of farmers and landowners and to reduce poverty.

Problems in nonlinear acoustics: Scattering of sound by sound, parametric receiving arrays, nonlinear effects in asymmetric sound beams and pulsed finite amplitude sound beams

Science.gov (United States)

Hamilton, Mark F.

1989-08-01

Four projects are discussed in this annual summary report, all of which involve basic research in nonlinear acoustics: Scattering of Sound by Sound, a theoretical study of two nonconlinear Gaussian beams which interact to produce sum and difference frequency sound; Parametric Receiving Arrays, a theoretical study of parametric reception in a reverberant environment; Nonlinear Effects in Asymmetric Sound Beams, a numerical study of two dimensional finite amplitude sound fields; and Pulsed Finite Amplitude Sound Beams, a numerical time domain solution of the KZK equation.

PREFACE: Aerodynamic sound Aerodynamic sound

Science.gov (United States)

Akishita, Sadao

2010-02-01

The modern theory of aerodynamic sound originates from Lighthill's two papers in 1952 and 1954, as is well known. I have heard that Lighthill was motivated in writing the papers by the jet-noise emitted by the newly commercialized jet-engined airplanes at that time. The technology of aerodynamic sound is destined for environmental problems. Therefore the theory should always be applied to newly emerged public nuisances. This issue of Fluid Dynamics Research (FDR) reflects problems of environmental sound in present Japanese technology. The Japanese community studying aerodynamic sound has held an annual symposium since 29 years ago when the late Professor S Kotake and Professor S Kaji of Teikyo University organized the symposium. Most of the Japanese authors in this issue are members of the annual symposium. I should note the contribution of the two professors cited above in establishing the Japanese community of aerodynamic sound research. It is my pleasure to present the publication in this issue of ten papers discussed at the annual symposium. I would like to express many thanks to the Editorial Board of FDR for giving us the chance to contribute these papers. We have a review paper by T Suzuki on the study of jet noise, which continues to be important nowadays, and is expected to reform the theoretical model of generating mechanisms. Professor M S Howe and R S McGowan contribute an analytical paper, a valuable study in today's fluid dynamics research. They apply hydrodynamics to solve the compressible flow generated in the vocal cords of the human body. Experimental study continues to be the main methodology in aerodynamic sound, and it is expected to explore new horizons. H Fujita's study on the Aeolian tone provides a new viewpoint on major, longstanding sound problems. The paper by M Nishimura and T Goto on textile fabrics describes new technology for the effective reduction of bluff-body noise. The paper by T Sueki et al also reports new technology for the

78 FR 13268 - Passenger Vessel Operator Financial Responsibility Requirements for Nonperformance of Transportation

Science.gov (United States)

2013-02-27

.... Carnival suggests that financially sound PVOs that have a number of cruise brands be treated as a single... percent of outstanding UPR. Without recognition of alternative forms of coverage, three of the commenting... cap (i.e., $45 million) may request relief from the Commission by seeking recognition of additional...

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.

[Autonomy for financial management in public and private healthcare facilities in Brazil].

Science.gov (United States)

Santos, Maria Angelica Borges dos; Madeira, Fátima Carvalho; Passos, Sonia Regina Lambert; Bakr, Felipe; Oliveira, Klivia Brayner de; Andreazzi, Marco Antonio Ratzsch de

2014-01-01

Autonomy in financial management is an advantage in public administration. A 2009 National Healthcare Facility Survey showed that 3.9% of Brazil's 52,055 public healthcare facilities had some degree of financial autonomy. Such autonomy was more common in inpatient facilities (17.8%), those managed by State governments (26.3%), and in Southern Brazil (6.6%). Autonomy was mainly partial (for resources in specific areas, relating to small outlays, consumables and capital goods, and outsourced services or personnel). 74.3% of 2,264 public facilities with any financial autonomy were under direct government administration. Financial autonomy in public healthcare facilities appears to be linked to local political decisions and not necessarily to the facility's specific legal and administrative status. However, legal status displays distinct scopes of autonomy - those under direct government administration tend to be less autonomous, and those under private businesses more autonomous; 85.8% of the 45,394 private healthcare facilities reported that they were financially autonomous.

PRUDENTIAL SUPERVISION OF NON-BANKING FINANCIAL INSTITUTION: DEVELOPMENTS AND PROSPECTS

Directory of Open Access Journals (Sweden)

Adrian COSTEA

2011-08-01

Full Text Available This study addresses the practice of the supervision authority relating to performance evaluation of non-banking financial institutions from a prudential supervision perspective. First, it is described how non-banking financial institutions’ activity is regulated in the European Union and the current status of non-banking financial institutions’ sector in Romania. Then, the study presents the challenges and opportunities faced by the supervision authority when evaluating the performance of non-banking financial institutions and, finally, defines a set of indicators based on which these institutions can be benchmarked against each other.

Investigation of external and internal shock in the stability of Indonesia’s financial system

Directory of Open Access Journals (Sweden)

Maulina Vinus

2017-07-01

Full Text Available The objective of this research is to develop a financial system stability index and analyze the internal and external factors that we expect to affect the stability of the Indonesian financial system. We measured the single model of financial system stability index (FSSI from year 2004M03 to2014M09 in Indonesia, and compiled a single quantitative measure based on aggregate internal factors and external factors to capture and predict the shocks of the financial system stability. Stability parameters were composed of composite indicators on different bases. In addition, we developed a comprehensive index component associated with the relevant market conditions, including banking soundness index, financial vulnerability index, and regional economic climate index. Results stated that US economic growth and economic growth of ASEAN countries positively affected financial stability. In addition, current account, exchange rate, inflation, interest rate were shown to negatively affect financial stability. The results of this study imply that internal factors have a strong influence on the financial stability. Therefore, the central bank should give a fast and correct response to the changes of external and internal financial environment, especially for internal factors through monetary policy.

Imagining Sound

DEFF Research Database (Denmark)

Grimshaw, Mark; Garner, Tom Alexander

2014-01-01

We make the case in this essay that sound that is imagined is both a perception and as much a sound as that perceived through external stimulation. To argue this, we look at the evidence from auditory science, neuroscience, and philosophy, briefly present some new conceptual thinking on sound...... that accounts for this view, and then use this to look at what the future might hold in the context of imagining sound and developing technology....

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

FINANCIAL WELL BEING: A MULTIFACTORIAL ANALYSIS OF LUDOVICENSE’S BEHAVIOR

Directory of Open Access Journals (Sweden)

Anna Paula Carvalho Diniz

2015-12-01

Full Text Available The objective of this study is to analyze the influence of behavioral factors (materialism, financial behavior, financial attitude and financial knowledge and socioeconomic and demographic variables (gender, age, marital status, children, level of schooling, race, occupation and income in financial well-being. The study’s scenario is the city called São Luís, located in the state of Maranhão, where 629 questionnaires were obtained. To analyze the data, descriptive statistics, factor analysis and multiple linear regression have been used. Results indicate that people from Maranhão are not satisfied with their financial situation, and have presented a low level of financial well-being, which is positively influenced by aspects related to investment in saving account, financial attitude control and age.

Importance of Non-banking Financial Institutions and of the Capital Markets in the Economy. The Case of Romania

Directory of Open Access Journals (Sweden)

Marilen Pirtea

2008-05-01

Full Text Available Deep and broad financial markets facilitate savings mobilization, by offering both individuals and insitutional savers and investors additional instruments and channels for placement of their funds at more attractive returns than are available on bank deposits. Bank and non-bank financial intermediation are both key elements of a sound and stable financial system. Both sectors need to be developed as they offer important synergies, meant to foster economical growth. While banks dominate the financial systems in most countries, business, households, and the public sector rely on the availability of a wide range of financial products to meet their financial needs. Such products are not provided only by banks, but also by insurance, leasing, factoring, and venture capital companies as well as mutual funds or pension funds.

The Financial Crisis: Lessons from History

Directory of Open Access Journals (Sweden)

Brian Grinder

2016-01-01

Full Text Available Financial crises have regularly afflicted economies throughout history and the United States has been no exception.  This paper examines the Panic of 1907, the Crash of 1929 and the Great Depression and the Great Recession of 2007-08 and discusses the responses of the government and regulators.  The short version of the story is that the while the government response has varied in terms of monetary and fiscal policy, the regulatory response has remained essentially the same.  The typical reactive regulation sounds good and gives the appearance of accomplishing something but, in fact, only serves to sow the seeds of future crises. The ineffective implementation of existing regulation has had a similar result. Indeed, several authors note that most financial innovation in recent years has its origins in circumventing new regulations. Likewise, government monetary and fiscal responses may or may not help the economy and often give the appearance of great arbitrariness.  Our conclusion is that there will be unforeseen financial crises in the future, sweeping regulation and promises of recent politicians notwithstanding.  Serious study of the unanticipated consequences of this regulation and the development of more robust risk management systems will help us mitigate the effects of future crises but will be of little assistance when it comes to avoiding them. Developing the analyses and risk management systems requires a detailed study of financial history keep both successes and failures fresh in our collective memory.

The Financial Crisis: Lessons from History

Directory of Open Access Journals (Sweden)

Brian Grinder

2015-02-01

Full Text Available Financial crises have regularly afflicted economies throughout history and the United States has been no exception.  This paper examines the Panic of 1907, the Crash of 1929 and the Great Depression and the Great Recession of 2007-08 and discusses the responses of the government and regulators.  The short version of the story is that the while the government response has varied in terms of monetary and fiscal policy, the regulatory response has remained essentially the same.  The typical reactive regulation sounds good and gives the appearance of accomplishing something but, in fact, only serves to sow the seeds of future crises. The ineffective implementation of existing regulation has had a similar result. Indeed, several authors note that most financial innovation in recent years has its origins in circumventing new regulations. Likewise, government monetary and fiscal responses may or may not help the economy and often give the appearance of great arbitrariness.  Our conclusion is that there will be unforeseen financial crises in the future, sweeping regulation and promises of recent politicians notwithstanding.  Serious study of the unanticipated consequences of this regulation and the development of more robust risk management systems will help us mitigate the effects of future crises but will be of little assistance when it comes to avoiding them. Developing the analyses and risk management systems requires a detailed study of financial history keep both successes and failures fresh in our collective memory.

Sound radiation contrast in MR phase images. Method for the representation of elasticity, sound damping, and sound impedance changes

International Nuclear Information System (INIS)

Radicke, Marcus

2009-01-01

The method presented in this thesis combines ultrasound techniques with the magnetic-resonance tomography (MRT). An ultrasonic wave generates in absorbing media a static force in sound-propagation direction. The force leads at sound intensities of some W/cm 2 and a sound frequency in the lower MHz range to a tissue shift in the micrometer range. This tissue shift depends on the sound power, the sound frequency, the sound absorption, and the elastic properties of the tissue. A MRT sequence of the Siemens Healthcare AG was modified so that it measures (indirectly) the tissue shift, codes as grey values, and presents as 2D picture. By means of the grey values the sound-beam slope in the tissue can be visualized, and so additionally sound obstacles (changes of the sound impedance) can be detected. By the MRT images token up spatial changes of the tissue parameters sound absorption and elasticity can be detected. In this thesis measurements are presented, which show the feasibility and future chances of this method especially for the mammary-cancer diagnostics. [de

Development of Prediction Tool for Sound Absorption and Sound Insulation for Sound Proof Properties

OpenAIRE

Yoshio Kurosawa; Takao Yamaguchi

2015-01-01

High frequency automotive interior noise above 500 Hz considerably affects automotive passenger comfort. To reduce this noise, sound insulation material is often laminated on body panels or interior trim panels. For a more effective noise reduction, the sound reduction properties of this laminated structure need to be estimated. We have developed a new calculate tool that can roughly calculate the sound absorption and insulation properties of laminate structure and handy ...

77 FR 34386 - Implementation of Federal Financial Report-Upcoming Mandatory Use of the Federal Financial Report...

Science.gov (United States)

2012-06-11

... of cumulative data only. Background The Office of Management and Budget has consolidated the Financial Status Report (FSR or SF-269/SF-269A) and the Federal Cash Transaction Report (FCTR or SF-272/SF..., 2010, CDC grantees have been required to report cash transaction data via the Payment Management System...

Parameterizing Sound: Design Considerations for an Environmental Sound Database

Science.gov (United States)

2015-04-01

associated with, or produced by, a physical event or human activity and 2) sound sources that are common in the environment. Reproductions or sound...Rogers S. Confrontation naming of environmental sounds. Journal of Clinical and Experimental Neuropsychology . 2000;22(6):830–864. 14 VanDerveer NJ

22 CFR 146.445 - Marital or parental status.

Science.gov (United States)

2010-04-01

... EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 146.445 Marital or parental status. (a) Status..., or marital status that treats students differently on the basis of sex. (b) Pregnancy and related...

22 CFR 229.445 - Marital or parental status.

Science.gov (United States)

2010-04-01

... EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 229.445 Marital or parental status. (a) Status..., or marital status that treats students differently on the basis of sex. (b) Pregnancy and related...

Financial strain and smoking cessation among racially/ethnically diverse smokers.

Science.gov (United States)

Kendzor, Darla E; Businelle, Michael S; Costello, Tracy J; Castro, Yessenia; Reitzel, Lorraine R; Cofta-Woerpel, Ludmila M; Li, Yisheng; Mazas, Carlos A; Vidrine, Jennifer Irvin; Cinciripini, Paul M; Greisinger, Anthony J; Wetter, David W

2010-04-01

We evaluated the influence of financial strain on smoking cessation among Latino, African American, and Caucasian smokers of predominantly low socioeconomic status. Smokers enrolled in a smoking cessation study (N = 424) were followed from 1 week prequit through 26 weeks postquit. We conducted a logistic regression analysis to evaluate the association between baseline financial strain and smoking abstinence at 26 weeks postquit after control for age, gender, race/ethnicity, educational level, annual household income, marital status, number of cigarettes smoked per day, and time to first cigarette of the day. Greater financial strain at baseline was significantly associated with reduced odds of abstinence at 26 weeks postquit among those who completed the study (odds ratio [OR] = 0.77; 95% confidence interval [CI] = 0.62, 0.94; P = .01). There was a significant association as well in analyses that included those who completed the study in addition to those lost to follow-up who were categorized as smokers (OR = 0.78; 95% CI = 0.64, 0.96; P = .02). Greater financial strain predicted lower cessation rates among racially/ethnically diverse smokers. Our findings highlight the impact of economic concerns on smoking cessation and the need to address financial strain in smoking cessation interventions.

Making fictions sound real - On film sound, perceptual realism and genre

Directory of Open Access Journals (Sweden)

Birger Langkjær

2010-05-01

Full Text Available This article examines the role that sound plays in making fictions perceptually real to film audiences, whether these fictions are realist or non-realist in content and narrative form. I will argue that some aspects of film sound practices and the kind of experiences they trigger are related to basic rules of human perception, whereas others are more properly explained in relation to how aesthetic devices, including sound, are used to characterise the fiction and thereby make it perceptually real to its audience. Finally, I will argue that not all genres can be defined by a simple taxonomy of sounds. Apart from an account of the kinds of sounds that typically appear in a specific genre, a genre analysis of sound may also benefit from a functionalist approach that focuses on how sounds can make both realist and non-realist aspects of genres sound real to audiences.

Making fictions sound real - On film sound, perceptual realism and genre

Directory of Open Access Journals (Sweden)

Birger Langkjær

2009-09-01

Full Text Available This article examines the role that sound plays in making fictions perceptually real to film audiences, whether these fictions are realist or non-realist in content and narrative form. I will argue that some aspects of film sound practices and the kind of experiences they trigger are related to basic rules of human perception, whereas others are more properly explained in relation to how aesthetic devices, including sound, are used to characterise the fiction and thereby make it perceptually real to its audience. Finally, I will argue that not all genres can be defined by a simple taxonomy of sounds. Apart from an account of the kinds of sounds that typically appear in a specific genre, a genre analysis of sound may also benefit from a functionalist approach that focuses on how sounds can make both realist and non-realist aspects of genres sound real to audiences.

Effects of ownership and financial status on corporate environmental performance

Czech Academy of Sciences Publication Activity Database

Earnhart, D.; Lízal, Lubomír

2002-01-01

Roč. 13, č. 4-5 (2002), s. 67-68 ISSN 1020-5470 Institutional research plan: CEZ:AV0Z7085904 Keywords : ownership structures * privatization * financial performance Subject RIV: AH - Economics http://go.worldbank.org/JL12RVXEW0

Financial security of the state in terms of globalization processes escalation

Directory of Open Access Journals (Sweden)

Svitlana Tkalenko

2013-02-01

Full Text Available The article provides review of the globalization and global integration processes impact on the financial sector formation characterized by an increase in financial flows with the lead role played by transnational corporations and transnational banks. The globalization study has been already reflected by numerous scientific publications and various issues of reputable international academic journals describing the process as irreversible and objective along with demonstrating globalization merits and demerits, etc. In the 21st century, globalization is an issue discussed by everyone: ranging from presidents, prime ministers and members of parliament supposed to solve problems of any scale taking into consideration the global development phenomenon, to ordinary citizens. Today, globalization has obviously become a major trend of the modern world development, which is why issues implying sound development assurance become pressing for each country. The article dwells upon the main component of economic security — the financial one (Ukraine case study. Thus, we are engaged in studying the global development trend in terms of assuring security of the state under conditions of financial flows globalization and existence of global integration processes.

Public hospitals in financial distress: Is privatization a strategic choice?

Science.gov (United States)

Ramamonjiarivelo, Zo; Weech-Maldonado, Robert; Hearld, Larry; Menachemi, Nir; Epané, Josué Patien; O'Connor, Stephen

2015-01-01

As safety net providers, public hospitals operate in more challenging environments than private hospitals. Such environments put public hospitals at greater risk of financial distress, which may result in privatization and deterioration of the safety net. The purpose of this study was to investigate whether financial distress is associated with privatization among public hospitals. We used panel data merged from the American Hospital Association Annual Survey, Medicare Cost Reports, Area Resource File, and Local Area Unemployment Statistics. Our study population consisted of all U.S. nonfederal acute care public hospitals in 1997 tracked through 2009, resulting in 6,426 hospital-year observations. The dependent variable "privatization" was defined as conversion from public status to either private not-for-profit or private for-profit status. The main independent variable, "financial distress," was based on the Altman Z-score methodology. Control variables included market and organizational factors. Two random-effects logistic regression models with state and year fixed-effects were constructed. The independent and control variables were lagged by 1 year and 2 years for Models 1 and 2, respectively. Public hospitals in financial distress had greater odds of being privatized than public hospitals not in financial distress: (OR = 4.53, p resources and may provide financial relief to government entities from the burden of continuously funding a hospital operating at a loss, which in turn may help keep the hospital open and preserve access to care for the community. Privatizing a financially distressed public hospital may be a better strategic alternative than closure. The Altman Z-score could be used as a managerial tool to monitor hospitals' financial condition and take corrective actions.

ISTANBUL’S CURRENT STATUS AND POTENTIAL FOR BECOMINGAN INTERNATIONAL FINANCIAL CENTRE

Directory of Open Access Journals (Sweden)

Hasmet Sarigul

2012-07-01

Full Text Available The Turkish government has been pursuing a goal to turn Istanbul into aregionalcentre for finance and then, an international one.However, creating aninternationalfinancial centre where international demand and supply of fundsmeet is not an easy process. In this context,we aimed toexamine the currentstatus and the potential of Istanbul to become an international financial centre. Inorder to reach the aim of the study, firstly,the characteristics of an internationalfinancial centre have been explained and a brief overview ofthe Turkishgovernment’sofficial plans of development of theinternational financial centrehavebeen given. Then,the strengths, weaknesses, opportunities and threats ofIstanbul havebeen analyzed.Finally,we have made assessments and put forwardsome suggestions.

Cyber Threats for Organizations of Financial Market Infrastructures

OpenAIRE

Natalia Georgievna Miloslavskaya; Svetlana Alexandrovna Tolstaya

2016-01-01

Abstract: In the global informatization era the reliable and efficient financial market infrastructure of the Russian Federation (RF FMI) plays an important role in the financial system and economy of the country. New cyber risks have acquired the status of the FR FMI systemic risk’s components, the importance of which is constantly growing due to the increase in the possible consequences of their implementation. The article introduces the basic concepts of cyber security, cyber space and cyb...

Using K-Nearest Neighbor Classification to Diagnose Abnormal Lung Sounds

Directory of Open Access Journals (Sweden)

Chin-Hsing Chen

2015-06-01

Full Text Available A reported 30% of people worldwide have abnormal lung sounds, including crackles, rhonchi, and wheezes. To date, the traditional stethoscope remains the most popular tool used by physicians to diagnose such abnormal lung sounds, however, many problems arise with the use of a stethoscope, including the effects of environmental noise, the inability to record and store lung sounds for follow-up or tracking, and the physician’s subjective diagnostic experience. This study has developed a digital stethoscope to help physicians overcome these problems when diagnosing abnormal lung sounds. In this digital system, mel-frequency cepstral coefficients (MFCCs were used to extract the features of lung sounds, and then the K-means algorithm was used for feature clustering, to reduce the amount of data for computation. Finally, the K-nearest neighbor method was used to classify the lung sounds. The proposed system can also be used for home care: if the percentage of abnormal lung sound frames is > 30% of the whole test signal, the system can automatically warn the user to visit a physician for diagnosis. We also used bend sensors together with an amplification circuit, Bluetooth, and a microcontroller to implement a respiration detector. The respiratory signal extracted by the bend sensors can be transmitted to the computer via Bluetooth to calculate the respiratory cycle, for real-time assessment. If an abnormal status is detected, the device will warn the user automatically. Experimental results indicated that the error in respiratory cycles between measured and actual values was only 6.8%, illustrating the potential of our detector for home care applications.

Sound Absorbers

Science.gov (United States)

Fuchs, H. V.; Möser, M.

Sound absorption indicates the transformation of sound energy into heat. It is, for instance, employed to design the acoustics in rooms. The noise emitted by machinery and plants shall be reduced before arriving at a workplace; auditoria such as lecture rooms or concert halls require a certain reverberation time. Such design goals are realised by installing absorbing components at the walls with well-defined absorption characteristics, which are adjusted for corresponding demands. Sound absorbers also play an important role in acoustic capsules, ducts and screens to avoid sound immission from noise intensive environments into the neighbourhood.

Financial Issues Experienced by Students in Private Higher Education Institutions

Science.gov (United States)

Alkandari, Nabila Y.

2014-01-01

The study was conducted in order to understand the way in which the financial status of students in Kuwait is affected as a result of enrolling in private higher education institutions. The aim is to analyze whether they face financial issues upon the time of payment and how these issues can be resolved. The analysis was done on a sample of 1280…

Making Sound Connections

Science.gov (United States)

Deal, Walter F., III

2007-01-01

Sound provides and offers amazing insights into the world. Sound waves may be defined as mechanical energy that moves through air or other medium as a longitudinal wave and consists of pressure fluctuations. Humans and animals alike use sound as a means of communication and a tool for survival. Mammals, such as bats, use ultrasonic sound waves to…

Teaching hospital financial status and patient outcomes following ACGME duty hour reform.

Science.gov (United States)

Navathe, Amol S; Silber, Jeffrey H; Small, Dylan S; Rosen, Amy K; Romano, Patrick S; Even-Shoshan, Orit; Wang, Yanli; Zhu, Jingsan; Halenar, Michael J; Volpp, Kevin G

2013-04-01

To examine whether hospital financial health was associated with differential changes in outcomes after implementation of 2003 ACGME duty hour regulations. Observational study of 3,614,174 Medicare patients admitted to 869 teaching hospitals from July 1, 2000 to June 30, 2005. Interrupted time series analysis using logistic regression to adjust for patient comorbidities, secular trends, and hospital site. Outcomes included 30-day mortality, AHRQ Patient Safety Indicators (PSIs), failure-to-rescue (FTR) rates, and prolonged length of stay (PLOS). All eight analyses measuring the impact of duty hour reform on mortality by hospital financial health quartile, in postreform year 1 ("Post 1") or year 2 ("Post 2") versus the prereform period, were insignificant: Post 1 OR range 1.00-1.02 and Post 2 OR range 0.99-1.02. For PSIs, all six tests showed clinically insignificant effect sizes. The FTR rate analysis demonstrated nonsignificance in both postreform years (OR 1.00 for both). The PLOS outcomes varied significantly only for the combined surgical sample in Post 2, but this effect was very small, OR 1.03 (95% CI 1.02, 1.04). The impact of 2003 ACGME duty hour reform on patient outcomes did not differ by hospital financial health. This finding is somewhat reassuring, given additional financial pressure on teaching hospitals from 2011 duty hour regulations. © Health Research and Educational Trust.

EFFECTS OF AGE, SEX, AND NEUROPSYCHOLOGICAL PERFORMANCE ON FINANCIAL DECISION-MAKING

Directory of Open Access Journals (Sweden)

Sara K Shivapour

2012-06-01

Full Text Available The capacity to make sound financial decisions across the lifespan is critical for interpersonal, occupational, and psychological health and success. In the present study, we examined how healthy younger and older adults make a series of increasingly complex financial decisions. One-hundred and sixteen healthy older adults, aged 56 to 90 years, and 102 college undergraduates, completed the Financial Decision Making Questionnaire, which requires selecting and justifying financial choices across four hypothetical scenarios and answering questions pertaining to financial knowledge. Results indicated that Older participants significantly outperformed Younger participants on a multiple-choice test of acquired financial knowledge. After controlling for such pre-existing knowledge, several additional age effects were observed. For example, Older participants were more likely to make immediate investment decisions, whereas Younger participants exhibited a preference for delaying decision-making pending additional information. Older participants also rated themselves as more concerned with avoiding monetary loss (i.e., a prevention orientation, whereas Younger participants reported greater interest in financial gain (i.e., a promotion orientation. In terms of sex differences, Older Males were more likely to pay credit card bills and utilize savings accounts than were Older Females. Multiple positive correlations were observed between Older participants’ financial decision-making and performance on neuropsychological measures of non-verbal intellect and executive functioning. Lastly, the ability to justify one’s financial decisions declined with age, among the Older participants. Several of the aforementioned results parallel findings from the medical decision-making literature, suggesting that older adults make decisions in a manner that conserves diminishing cognitive resources.

Abnormal sound detection device

International Nuclear Information System (INIS)

Yamada, Izumi; Matsui, Yuji.

1995-01-01

Only components synchronized with rotation of pumps are sampled from detected acoustic sounds, to judge the presence or absence of abnormality based on the magnitude of the synchronized components. A synchronized component sampling means can remove resonance sounds and other acoustic sounds generated at a synchronously with the rotation based on the knowledge that generated acoustic components in a normal state are a sort of resonance sounds and are not precisely synchronized with the number of rotation. On the other hand, abnormal sounds of a rotating body are often caused by compulsory force accompanying the rotation as a generation source, and the abnormal sounds can be detected by extracting only the rotation-synchronized components. Since components of normal acoustic sounds generated at present are discriminated from the detected sounds, reduction of the abnormal sounds due to a signal processing can be avoided and, as a result, abnormal sound detection sensitivity can be improved. Further, since it is adapted to discriminate the occurrence of the abnormal sound from the actually detected sounds, the other frequency components which are forecast but not generated actually are not removed, so that it is further effective for the improvement of detection sensitivity. (N.H.)

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...

Financial history : lessons of the past for reformers of the present

OpenAIRE

Caprio Jr., Gerard; Vittas, Dimitri

1995-01-01

Among the lessons financial history offers: Macroeconomic stability - low inflation and sound public finance - is important for creating the right incentives for banks and for facilitating the development of securities markets. High inflation and large fiscal deficits distort economic behavior in favor of short-term speculative projects conducive to sustainable economic development. Central bank independence may contribute to economic stability. One way to increase it is by lengthening the te...

Financial well-being among Malaysian manufacturing employees

Directory of Open Access Journals (Sweden)

Shiau Wei Chan

2018-06-01

Full Text Available Employees and financial well-being are two aspects that are closely related to each other, and have been deeply studied by researchers. Not only can financial well-being directly affect an individual, but it can also indirectly affect his/her organization as well as employer. Any level of financial employees’ well-being, either low or high, will change their job performance. Thus, the purpose of this study is to determine the level of financial well-being among manufacturing employees in Batu Pahat, as well as to test the relationships between determinants and financial well-being among manufacturing employees in Batu Pahat. In this study, seven research hypotheses were developed to examine seven determinants, including age, income, gender, education, current job position, in-come, and marital status which influence employees‘ financial well-being. In this study, 220 employees at the production level were selected randomly from a manufacturing company in Batu Pahat, Johor, Malaysia. Then, a questionnaire was distributed to the employees. The data obtained were analyzed quantitatively using SPSS version 22.0. The results of this study revealed that the level of financial well-being was moderate and all of the determinants were positively related to financial well-being among the manufacturing employees. This quantitative study is important to the manufacturing industry in Malaysia in order to gain insight on the correlation between financial well-being and its determinants.

Sound Search Engine Concept

DEFF Research Database (Denmark)

2006-01-01

Sound search is provided by the major search engines, however, indexing is text based, not sound based. We will establish a dedicated sound search services with based on sound feature indexing. The current demo shows the concept of the sound search engine. The first engine will be realased June...

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.

Person perception and autonomic nervous system response: the costs and benefits of possessing a high social status.

Science.gov (United States)

Cloutier, J; Norman, G J; Li, T; Berntson, G G

2013-02-01

This research was designed to investigate the relationship between sympathetic and parasympathetic autonomic nervous system (ANS) responses to the perception of social targets varying in social status. Participants varying in subjective financial status were presented with faces assigned with either a low, average, or high financial status. Electrocardiographic and impedance cardiography signals were recorded and measures of sympathetic (pre-ejection period; PEP) and parasympathetic (high frequency heart rate variability; HF HRV) cardiac control were derived. These measures associated with the presentation of each face condition were examined in relation to the subjective status of the perceivers. Participants with high subjective financial status showed reduced sympathetic activity when viewing low- and medium-status targets as compared to high-status targets, and lower parasympathetic response when viewing high- and medium-status targets relative to low-status targets. Copyright © 2012. Published by Elsevier B.V.

The sound manifesto

Science.gov (United States)

O'Donnell, Michael J.; Bisnovatyi, Ilia

2000-11-01

Computing practice today depends on visual output to drive almost all user interaction. Other senses, such as audition, may be totally neglected, or used tangentially, or used in highly restricted specialized ways. We have excellent audio rendering through D-A conversion, but we lack rich general facilities for modeling and manipulating sound comparable in quality and flexibility to graphics. We need coordinated research in several disciplines to improve the use of sound as an interactive information channel. Incremental and separate improvements in synthesis, analysis, speech processing, audiology, acoustics, music, etc. will not alone produce the radical progress that we seek in sonic practice. We also need to create a new central topic of study in digital audio research. The new topic will assimilate the contributions of different disciplines on a common foundation. The key central concept that we lack is sound as a general-purpose information channel. We must investigate the structure of this information channel, which is driven by the cooperative development of auditory perception and physical sound production. Particular audible encodings, such as speech and music, illuminate sonic information by example, but they are no more sufficient for a characterization than typography is sufficient for characterization of visual information. To develop this new conceptual topic of sonic information structure, we need to integrate insights from a number of different disciplines that deal with sound. In particular, we need to coordinate central and foundational studies of the representational models of sound with specific applications that illuminate the good and bad qualities of these models. Each natural or artificial process that generates informative sound, and each perceptual mechanism that derives information from sound, will teach us something about the right structure to attribute to the sound itself. The new Sound topic will combine the work of computer

Socio-Demographic Indicators, Intelligence, and Locus of Control as Predictors of Adult Financial Well-Being

Directory of Open Access Journals (Sweden)

Adrian Furnham

2017-04-01

Full Text Available The current study investigated a longitudinal data set of 4790 adults examining a set of socio-demographic and psychological factors that influence adult financial well-being. Parental social status (at birth, childhood intelligence and self-esteem (at age 10, locus of control (at age 16, psychological distress (age 30, educational qualifications (age 34, current occupation, weekly net income, house ownership status, and number of rooms (all measured at age 38 years were examined. Structural Equation Modelling showed that childhood intelligence, locus of control, education and occupation were all independent predictors of adult financial well-being for both men and women. Parental social status and psychological distress were also significant predictors of the outcome variable for men, but not for women. Whereas for women, in comparison to men, the effects of current occupation and childhood intelligence on the outcome variable appeared to be stronger. The strongest predictor of adult financial well-being was current occupational prestige, followed by educational achievement. The gender deferential of financial well-being indicators and its implications are discussed.

Financial Autonomy and Challenges to Being a Regionally Responsive Higher Education Institution

Science.gov (United States)

Kohtamaki, Vuokko; Lyytinen, Anu

2004-01-01

This paper discusses some current problems and challenges of the Finnish AMKs (polytechnic institutions), and whether financial autonomy could contribute to finding solutions for some of these problems. It provides an overview of the current status of financial autonomy of polytechnics in 6 European countries, and finally attempts to find links…

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

Science.gov (United States)

Garrigan, Richard T.; Jones, Thomas W.

1992-01-01

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

Unsound Sound

DEFF Research Database (Denmark)

Knakkergaard, Martin

2016-01-01

This article discusses the change in premise that digitally produced sound brings about and how digital technologies more generally have changed our relationship to the musical artifact, not simply in degree but in kind. It demonstrates how our acoustical conceptions are thoroughly challenged...... by the digital production of sound and, by questioning the ontological basis for digital sound, turns our understanding of the core term substance upside down....

Early Sound Symbolism for Vowel Sounds

Directory of Open Access Journals (Sweden)

Ferrinne Spector

2013-06-01

Full Text Available Children and adults consistently match some words (e.g., kiki to jagged shapes and other words (e.g., bouba to rounded shapes, providing evidence for non-arbitrary sound–shape mapping. In this study, we investigated the influence of vowels on sound–shape matching in toddlers, using four contrasting pairs of nonsense words differing in vowel sound (/i/ as in feet vs. /o/ as in boat and four rounded–jagged shape pairs. Crucially, we used reduplicated syllables (e.g., kiki vs. koko rather than confounding vowel sound with consonant context and syllable variability (e.g., kiki vs. bouba. Toddlers consistently matched words with /o/ to rounded shapes and words with /i/ to jagged shapes (p < 0.01. The results suggest that there may be naturally biased correspondences between vowel sound and shape.

Sound Art and Spatial Practices: Situating Sound Installation Art Since 1958

OpenAIRE

Ouzounian, Gascia

2008-01-01

This dissertation examines the emergence and development ofsound installation art, an under-recognized tradition that hasdeveloped between music, architecture, and media art practicessince the late 1950s. Unlike many musical works, which are concernedwith organizing sounds in time, sound installations organize sounds inspace; they thus necessitate new theoretical and analytical modelsthat take into consideration the spatial situated-ness of sound. Existingdiscourses on “spatial sound” privile...

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.

'Hidden poverty' of teachers: Status, consequences and overcoming strategies

Directory of Open Access Journals (Sweden)

Bogunović Blanka

2008-01-01

Full Text Available The consequences of reduced financial and other possibilities in the period of social transition are reflected on the quality of life and work of teachers, and thereby indirectly on education of pupils as well. Aims: (1 to determine teachers' estimation of their own financial status and subjective perception of teachers' poverty; (2 to examine in which way the personal perception of poverty of teachers is linked with the quality of their engagement in curricular and extracurricular activities; (3 to examine which economic and psychological strategies teachers use in overcoming stress because of the lower financial status; (4 to examine whether there are differences between teachers with regard to socio-demographic variables and the previously established goals. Sample consists of 141 teachers of music and general education schools in Belgrade and the interior of the country. Method: research is explorative and uses qualitative and psychometric methods of analysis. Results point out to the structure of 'hidden poverty' of teachers: average and poor financial status, financial and logistic support of the extended family, additional job, unfulfilled financial expectations regarding the educational status and ungratified higher needs. Teachers estimate that real poverty of educational system and 'hidden poverty' of teachers are reflected on the quality of certain aspects of educational process as a whole and in certain elements: teacher's personal life and work motivation, authority in school, quality of teacher's engagement in tuition and the possibility of professional specialization. Teachers use financial and psychological strategies for overcoming stress that can be determined as: moralist compensatory, evasive, inappropriate, emotional, relying on family and friendly supportive systems and activist. Conclusion: primarily subjective and spiritual impoverishment of the stratum of highly educated people, who are, in addition to this, the bearers

Sound a very short introduction

CERN Document Server

Goldsmith, Mike

2015-01-01

Sound is integral to how we experience the world, in the form of noise as well as music. But what is sound? What is the physical basis of pitch and harmony? And how are sound waves exploited in musical instruments? Sound: A Very Short Introduction looks at the science of sound and the behaviour of sound waves with their different frequencies. It also explores sound in different contexts, covering the audible and inaudible, sound underground and underwater, acoustic and electronic sound, and hearing in humans and animals. It concludes with the problem of sound out of place—noise and its reduction.

The effects of the global financial crisis on the Australian building construction supply chain

Directory of Open Access Journals (Sweden)

Ram Karthikeyan Thangaraj

2012-09-01

Full Text Available This study involves a financial analysis of 43 publicly listed and large private companies in the building and construction supply chain from 2005 to 2010; straddling the period of the global financial crisis (GFC; and examines the impact of the GFC on the performance of these companies. The construction supply chain was divided into four sectors – material suppliers, construction companies, property developers and real estate investment trusts (REITs. The findings indicate that the impact was minimal for both material suppliers and construction companies, but especially severe for the more leveraged property developers and REITs. Building material suppliers and construction companies have benefitted substantially from the building economic stimulus package provided by the Australian government to mitigate the effects of the GFC. Decreases in the valuation of assets have, to a large extent, reduced the profitability of property developers and REITs during the GFC but these companies have recovered quickly from these adverse conditions to return to a sound financial position by the end of the 2010 financial year. The results will inform investors, managers and construction professionals in devising strategies for prudent financial management and for weathering future financial crises.

Financing investment in environmentally sound technologies: Foreign direct investment versus foreign debt finance

International Nuclear Information System (INIS)

Anyangah, Joshua Okeyo

2010-01-01

This paper develops a screening model to examine the relationship between alternative sources of private capital and investment in environmentally sound technologies (ESTs). In the model, a polluter (agent) must secure investment funds from the international financial markets in order to upgrade its production and abatement technology. The requisite capital can be obtained via either market loans (debt finance) or foreign direct investment (FDI). Under debt finance, the foreign financier supplies only capital and the relationship between the two parties is more 'arms-length'. By contrast, under FDI, the investor delivers both capital and managerial skills. We use the model to derive the implications of debt finance for optimal investment decisions and compare them to those obtained under FDI. Investment incentives are more pronounced under debt finance. (author)

The changing role of the hospital chief financial officer.

Science.gov (United States)

Freitag, T R; Freitag, W

1980-01-01

Things are changing. That statement is obviously true of things political, economic and scientific. Not surprisingly, therefore, the statement applies to the activities, responsibilities, qualifications and, ultimately, status of the hospital chief financial officer (CFO).

Understanding the Effects of Marriage and Divorce on Financial Investments

DEFF Research Database (Denmark)

Christiansen, Charlotte; Joensen, Juanne S.; Rangvid, Jesper

2015-01-01

We investigate how changes in marital status affect financial investments and how these effects vary with background risk. We use detailed register-based panel data and difference-in-differences estimatiors to benchmark common unobserved influences on financial investments. Women increase...... the fraction of wealth invested in stocks after marriage and decrease it after divorce, whereas men show the opposite behavior. Households whose joint labor income risk is reduced more by marriage have a higher increase in their exposure to risky assets in marriage. Thus income risk sharing in the household...... is important for financial risk taking and investment responses to marital transitions...

What is Sound?

OpenAIRE

Nelson, Peter

2014-01-01

What is sound? This question is posed in contradiction to the every-day understanding that sound is a phenomenon apart from us, to be heard, made, shaped and organised. Thinking through the history of computer music, and considering the current configuration of digital communi-cations, sound is reconfigured as a type of network. This network is envisaged as non-hierarchical, in keeping with currents of thought that refuse to prioritise the human in the world. The relationship of sound to musi...

Broadcast sound technology

CERN Document Server

Talbot-Smith, Michael

1990-01-01

Broadcast Sound Technology provides an explanation of the underlying principles of modern audio technology. Organized into 21 chapters, the book first describes the basic sound; behavior of sound waves; aspects of hearing, harming, and charming the ear; room acoustics; reverberation; microphones; phantom power; loudspeakers; basic stereo; and monitoring of audio signal. Subsequent chapters explore the processing of audio signal, sockets, sound desks, and digital audio. Analogue and digital tape recording and reproduction, as well as noise reduction, are also explained.

Propagation of sound

DEFF Research Database (Denmark)

Wahlberg, Magnus; Larsen, Ole Næsbye

2017-01-01

properties can be modified by sound absorption, refraction, and interference from multi paths caused by reflections.The path from the source to the receiver may be bent due to refraction. Besides geometrical attenuation, the ground effect and turbulence are the most important mechanisms to influence...... communication sounds for airborne acoustics and bottom and surface effects for underwater sounds. Refraction becomes very important close to shadow zones. For echolocation signals, geometric attenuation and sound absorption have the largest effects on the signals....

FINANCIAL SECURITY OF MILITARY JUDGES IN SOUTH AFRICA ...

African Journals Online (AJOL)

Abstract. The status of military courts within the South African judicial system is ... that the question of financial security of military judges is a complex one and ...... that the force of the recommendations of the Commission is weak, as it is entirely.

Making fictions sound real

DEFF Research Database (Denmark)

Langkjær, Birger

2010-01-01

This article examines the role that sound plays in making fictions perceptually real to film audiences, whether these fictions are realist or non-realist in content and narrative form. I will argue that some aspects of film sound practices and the kind of experiences they trigger are related...... to basic rules of human perception, whereas others are more properly explained in relation to how aesthetic devices, including sound, are used to characterise the fiction and thereby make it perceptually real to its audience. Finally, I will argue that not all genres can be defined by a simple taxonomy...... of sounds. Apart from an account of the kinds of sounds that typically appear in a specific genre, a genre analysis of sound may also benefit from a functionalist approach that focuses on how sounds can make both realist and non-realist aspects of genres sound real to audiences....

Emergence Corporate Financial Distressin Emerging Market: Empirical Evidence from Indonesia Stock Exchange(IDX 2004-2008

Directory of Open Access Journals (Sweden)

Koes Pranowo

2011-11-01

Full Text Available Normal 0 false false false MicrosoftInternetExplorer4 st1\\:*{behavior:url(#ieooui } /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} Financial recovery is the most difficult in financial management. Therefore, this is important to study how a company in financially-distress can survive to rise up to a healthy financial condition (emergence financial distress. The research consists of 200 non financial companies which are listed on Indonesia Stock Exchange (IDX for the period of 2004-2008. This study focuses on management of working capital. How a company fulfill its current liabilities, and its sources in current assets which shall be cashed at the short term period. By using Multinomial logit, we analyzed the probability a financially-distress company rise up to emergence financial distress or stay of the status of financial distress and what are financial indicators affect to a company in the status of Non Financial Distress tend to Financial Distress. Thus, the important thing is to determine financial ratios which can be an indicator to determine of emergence financial distress. We find a positive relationship between Profit, efficiency and emergence financial distress and a negative relationship between leverage and emergence financial distress.   Keywords: Emergence Financial Distress, Indonesia Stock Exchange (IDX, Multinomial Logit JEL Classification Codes: G 3

Internet Financial and Environmental Disclosures by Malaysian Companies

Directory of Open Access Journals (Sweden)

Ali Saleh Alarussi

2009-06-01

Full Text Available This paper investigates whether determinants of financial disclosure are similar to environmental disclosure through the Internet. In other words, this paper examines the relationship between Internet financial disclosure (IFD, Internet environmental disclosures (IED and six variables, namely, ethnic of chief executive officer (CEO, leverage, level of technology, listing status, profitability, and firm size. Six hypotheses formulated in this study were analyzed using data collected from the websites of 189 Malaysian listed companies in 2006. The results indicate that level of technology, ethnic of CEO and firm size are significant factors in explaining both IFD and IED. It is also observed that listing status is positively related to the level of IFD but not IED. On the other hand, profitability is significant factor in explaining the level of IED but not IFD. Finally, leverage is not significantly related to both IFD and IED.

May the Soul of the IFS Financial System Definition RIP in Developing Countries

Directory of Open Access Journals (Sweden)

Simplice A. Asongu

2015-03-01

Full Text Available In this paper, we dissect with great acuteness contemporary insufficiencies of the IFS (2008 definition of the financial system and conclude from sound theoretical underpinnings and empirical justifications that the foundation, on which it is based, while solid for developed countries, holds less ground in developing countries. Perhaps one of the deepest empirical hollows in the financial development literature has been the equation of financial depth in the perspective of money supply to liquid liabilities. This equation has put on the margin (and skewed burgeoning phenomena of mobile banking, knowledge economy (KE, inequality…etc. We conclude that the informal financial sector, a previously missing component in the IFS conception and definition of the financial system can only be marginalized at the cost of misunderstanding recent burgeoning trends in mobile phone penetration, KE and poverty. Hence, the IFS definition has incontrovertibly fought its final dead battle and lost in the face of soaring trends highlighted above. Despite the plethora of econometric and policy-making sins the definition has committed in developing countries through bias estimates and misleading inferences, may its soul RIP.

Sound sensitivity of neurons in rat hippocampus during performance of a sound-guided task

Science.gov (United States)

Vinnik, Ekaterina; Honey, Christian; Schnupp, Jan; Diamond, Mathew E.

2012-01-01

To investigate how hippocampal neurons encode sound stimuli, and the conjunction of sound stimuli with the animal's position in space, we recorded from neurons in the CA1 region of hippocampus in rats while they performed a sound discrimination task. Four different sounds were used, two associated with water reward on the right side of the animal and the other two with water reward on the left side. This allowed us to separate neuronal activity related to sound identity from activity related to response direction. To test the effect of spatial context on sound coding, we trained rats to carry out the task on two identical testing platforms at different locations in the same room. Twenty-one percent of the recorded neurons exhibited sensitivity to sound identity, as quantified by the difference in firing rate for the two sounds associated with the same response direction. Sensitivity to sound identity was often observed on only one of the two testing platforms, indicating an effect of spatial context on sensory responses. Forty-three percent of the neurons were sensitive to response direction, and the probability that any one neuron was sensitive to response direction was statistically independent from its sensitivity to sound identity. There was no significant coding for sound identity when the rats heard the same sounds outside the behavioral task. These results suggest that CA1 neurons encode sound stimuli, but only when those sounds are associated with actions. PMID:22219030

Memory for product sounds: the effect of sound and label type.

Science.gov (United States)

Ozcan, Elif; van Egmond, René

2007-11-01

The (mnemonic) interactions between auditory, visual, and the semantic systems have been investigated using structurally complex auditory stimuli (i.e., product sounds). Six types of product sounds (air, alarm, cyclic, impact, liquid, mechanical) that vary in spectral-temporal structure were presented in four label type conditions: self-generated text, text, image, and pictogram. A memory paradigm that incorporated free recall, recognition, and matching tasks was employed. The results for the sound type suggest that the amount of spectral-temporal structure in a sound can be indicative for memory performance. Findings related to label type suggest that 'self' creates a strong bias for the retrieval and the recognition of sounds that were self-labeled; the density and the complexity of the visual information (i.e., pictograms) hinders the memory performance ('visual' overshadowing effect); and image labeling has an additive effect on the recall and matching tasks (dual coding). Thus, the findings suggest that the memory performances for product sounds are task-dependent.

33 CFR 167.1702 - In Prince William Sound: Prince William Sound Traffic Separation Scheme.

Science.gov (United States)

2010-07-01

... 33 Navigation and Navigable Waters 2 2010-07-01 2010-07-01 false In Prince William Sound: Prince William Sound Traffic Separation Scheme. 167.1702 Section 167.1702 Navigation and Navigable Waters COAST....1702 In Prince William Sound: Prince William Sound Traffic Separation Scheme. The Prince William Sound...

Hearing loss in relation to sound exposure of professional symphony orchestra musicians

DEFF Research Database (Denmark)

Schmidt, J. H.; Pedersen, E. R.; Paarup, H. M.

2014-01-01

OBJECTIVES: The objectives of this study were to: (1) estimate the hearing status of classical symphony orchestra musicians and (2) investigate the hypothesis that occupational sound exposure of symphony orchestra musicians leads to elevated hearing thresholds. DESIGN: The study population compri...... that performing music may induce hearing loss to the same extent as industrial noise....

The improvement of approaches to assessment of the financial condition of economic entities

Directory of Open Access Journals (Sweden)

Senko A.E.

2017-05-01

Full Text Available according to the author, the lack of unified approaches to the calculation of financial indicators, the multiple interpretations of their meanings ​​and the imperfection of information support of financial analysis hamper the effectiveness of economic entities operating under market principles. The existing approach to determining the financial condition of an enterprise does not always give the required qualitative result of an evaluation of its financial and economic activities. While analyzing the financial status of economic entities, it would be useful to take into account their industry particularities, size and organizational structure, development strategy and competitiveness in the market for goods and services.

The financial status of Catholic hospitals: 1982-1983.

Science.gov (United States)

Choate, G M; Walker, W R; Unger, M

1986-01-01

Recently available figures for 1982 and 1983 show that Catholic hospitals as a whole attained positive ratios of net income to fund balances and that these gains exceeded inflation in both years. The financial picture varies, however, when data for specific categories of Catholic hospitals are examined. For example, smaller hospitals relied more on borrowed funds to finance assets and generate profits, and for many of them these profits still did not exceed the 1983 inflation rate. Hospitals particularly vulnerable to diagnosis-related group payment--that is, teaching hospitals, hospitals with negative operating income, and hospitals adding beds--possessed less liquidity than Catholic hospitals aggregately. Hospitals in each of these categories experienced less-than-average basic profitability as well.

Evaluating the Efficiency of Financial Inclusion (Special reference to Jharkhand, India

Directory of Open Access Journals (Sweden)

Suman Palit

2015-12-01

Full Text Available This paper is an attempt to analyze the status of financial inclusion in the state of Jharkhand, India. It tries to evaluate the efficiency of the financial institutions in terms of their outreach to clients and overall client satisfaction. Responses were collected separately from the service providers and customers through two different questionnaires and a convenience sampling method was adopted to select the respondents. Hypotheses development and testing was done to analyze data using a regression model. The first questionnaire examined the relationship between various financial inclusion determinants with “Outreach” and the second questionnaire studied the relationship between financial inclusion determinants with “Customer satisfaction.”  The empirical results of the study exhibit that the financial inclusion determinants have a positive effect on the outreach to clients and overall customer satisfaction levels and improve the customers’ financial as well as their social capital base. This in turn fosters the financial inclusion activity in the region.

Prediksi Financial Distress Pada Perusahaan Manufaktur Di Bursa Efek Indonesia

Directory of Open Access Journals (Sweden)

Randy Kurnia Permana

2017-06-01

Full Text Available Financial Distress Prediction in Manufacturing Companies at Indonesian Stock ExchangeThis study aims to identify, analyze, demonstrate and test the differences in health status between the model results Grover, Springate, and Zmijewski. The model used by investors who will invest in the company. This study has a characteristic that is tested three models and find the one best model. Data was tested using chi-square test. Results showed Hypothesis 1 accepted that there are differences in health status in the test model of Grover, Springate, and Zmijewski on manufacturing companies listed on the Stock Exchange 2006-2015. Model Springate is the best predictive model than the model Grover and Springate, because it has more components than the other models and models Springate have EBIT  To Current Liabilities component is how much profit the ability to pay debts. This component is a very important component to see financial distress, due to financial distress occur because one debt that not covered by the companyDOI: 10.15408/ess.v7i2.4797

Sounds Exaggerate Visual Shape

Science.gov (United States)

Sweeny, Timothy D.; Guzman-Martinez, Emmanuel; Ortega, Laura; Grabowecky, Marcia; Suzuki, Satoru

2012-01-01

While perceiving speech, people see mouth shapes that are systematically associated with sounds. In particular, a vertically stretched mouth produces a /woo/ sound, whereas a horizontally stretched mouth produces a /wee/ sound. We demonstrate that hearing these speech sounds alters how we see aspect ratio, a basic visual feature that contributes…

Evaluating the Level of Internal Control System in the Management of Financial Security of Bank

Directory of Open Access Journals (Sweden)

Pidvysotska Lyudmyla J.

2017-06-01

Full Text Available The article is aimed at studying the organization and technology of evaluation process of the internal control system of bank in order to ensure financial security management of its activities. The work of the internal audit service on monitoring and evaluating the performance of the bank’s internal control system was analyzed. It has been found that improving the level of financial security of commercial banks is conditional upon improvements in the quality of audits and the provision of sound and objective conclusions. The interrelation of the tasks of internal audit service and the tasks of bank’s financial security management has been determined. Methodological recommendations on evaluation of the bank’s internal control system on the basis of results of audit have been proposed.

Sound Zones

DEFF Research Database (Denmark)

Møller, Martin Bo; Olsen, Martin

2017-01-01

Sound zones, i.e. spatially confined regions of individual audio content, can be created by appropriate filtering of the desired audio signals reproduced by an array of loudspeakers. The challenge of designing filters for sound zones is twofold: First, the filtered responses should generate...... an acoustic separation between the control regions. Secondly, the pre- and post-ringing as well as spectral deterioration introduced by the filters should be minimized. The tradeoff between acoustic separation and filter ringing is the focus of this paper. A weighted L2-norm penalty is introduced in the sound...

Can road traffic mask sound from wind turbines? Response to wind turbine sound at different levels of road traffic sound

International Nuclear Information System (INIS)

Pedersen, Eja; Berg, Frits van den; Bakker, Roel; Bouma, Jelte

2010-01-01

Wind turbines are favoured in the switch-over to renewable energy. Suitable sites for further developments could be difficult to find as the sound emitted from the rotor blades calls for a sufficient distance to residents to avoid negative effects. The aim of this study was to explore if road traffic sound could mask wind turbine sound or, in contrast, increases annoyance due to wind turbine noise. Annoyance of road traffic and wind turbine noise was measured in the WINDFARMperception survey in the Netherlands in 2007 (n=725) and related to calculated levels of sound. The presence of road traffic sound did not in general decrease annoyance with wind turbine noise, except when levels of wind turbine sound were moderate (35-40 dB(A) Lden) and road traffic sound level exceeded that level with at least 20 dB(A). Annoyance with both noises was intercorrelated but this correlation was probably due to the influence of individual factors. Furthermore, visibility and attitude towards wind turbines were significantly related to noise annoyance of modern wind turbines. The results can be used for the selection of suitable sites, possibly favouring already noise exposed areas if wind turbine sound levels are sufficiently low.

Quantifying Carbon Financial Risk in the International Greenhouse Gas Market: An Application Using Remotely-Sensed Data to Align Scientific Uncertainty with Financial Decisions

Science.gov (United States)

Hultman, N. E.

2002-12-01

A common complaint about environmental policy is that regulations inadequately reflect scientific uncertainty and scientific consensus. While the causes of this phenomenon are complex and hard to discern, we know that corporations are the primary implementers of environmental regulations; therefore, focusing on how policy relates scientific knowledge to corporate decisions can provide valuable insights. Within the context of the developing international market for greenhouse gas emissions, I examine how corporations would apply finance theory into their investment decisions for carbon abatement projects. Using remotely-sensed ecosystem scale carbon flux measurements, I show how to determine much financial risk of carbon is diversifiable. I also discuss alternative, scientifically sound methods for hedging the non-diversifiable risks in carbon abatement projects. In providing a quantitative common language for scientific and corporate uncertainties, the concept of carbon financial risk provides an opportunity for expanding communication between these elements essential to successful climate policy.

Socioeconomic inequalities in smoking in The Netherlands before and during the Global Financial Crisis: a repeated cross-sectional study

NARCIS (Netherlands)

Benson, Fiona E.; Kuipers, Mirte A. G.; Nierkens, Vera; Bruggink, Jan-Willem; Stronks, Karien; Kunst, Anton E.

2015-01-01

The Global Financial Crisis (GFC) increased levels of financial strain, especially in those of low socioeconomic status (SES). Financial strain can affect smoking behaviour. This study examines socioeconomic inequalities in current smoking and smoking cessation in The Netherlands before and during

Economic Analysis in the System of Financial Planning of Forestry Enterprises

Directory of Open Access Journals (Sweden)

Ievdokymov Viktor V.

2017-12-01

Full Text Available The aim of the article is to develop organizational and methodological provisions of economic analysis of forestry enterprises’ financial plans as a result of financial planning. The importance of financial planning as a basis for developing managerial decisions regarding the financial potential is substantiated. The characteristic of the development stages and the importance of financial potential in countries of the world is given. The stages of forecasting as the basis of enterprises’ financial plans are considered. The composition of the subsystems, methods and functions of financial planning highlighted in the scientific literature is investigated. The place of economic analysis in financial planning and in the system of financial planning of an enterprise’s economic activity is determined. There identified the directions of information disclosure in a financial plan: formation of financial results, budget settlements, cash flow, capital investments, ratio analysis, financial status, breakdown of individual items. The prospect for further research is to determine the order of applying the analytical procedures for each of these directions of economic analysis to justify the application of the analytical procedures for assessing financial potential on the basis of financial plans of forestry enterprises. This will allow to create information space for managing the financial potential of a forestry enterprise to achieve its tactical and strategic goals.

An Appraisal of Financial Authority Transfers' Prior-Knowledge in Adult Learning Assessment

Directory of Open Access Journals (Sweden)

A. Ettien

2017-12-01

Full Text Available This research aimed at reviewing financial authority trainers prior knowledge in adult learners' learning assessment. For this aim, we tried to verify the fol-lowing research hypothesis: Ivorian financial authority trainers are able to assess adult learners correctly. Knowles andragogy principles are the comparison basis. We were positively impressed by trainers awareness of some of the principles of andragogy relative to their avoidance of summative assessment in favor of task-based assessment and problem-solving activities. However, the same trainers tendency to ignore the self-directedness nature of adult learners as well as their ability to engage in self-assessment made us believe that a sound training in adult learning assessment would help each of them become a better adult trainer.

Structure-borne sound structural vibrations and sound radiation at audio frequencies

CERN Document Server

Cremer, L; Petersson, Björn AT

2005-01-01

Structure-Borne Sound"" is a thorough introduction to structural vibrations with emphasis on audio frequencies and the associated radiation of sound. The book presents in-depth discussions of fundamental principles and basic problems, in order to enable the reader to understand and solve his own problems. It includes chapters dealing with measurement and generation of vibrations and sound, various types of structural wave motion, structural damping and its effects, impedances and vibration responses of the important types of structures, as well as with attenuation of vibrations, and sound radi

La construction progressive de l'avantage compétitif financier suisse (1914-1936)

OpenAIRE

Alain Laurent; Guillaume Vallet

2014-01-01

This article aims at explaining how Switzerland succeeded in building a major competitive advantage in the financial sector. From a historical perspective, we show that the period 1914-1936 was decisive in Swiss monetary history, Switzerland moving from a status of minor international financial centre to a major place, with the development of very powerful actors like banks. Hence we highlight that if the banking and financial industry played an important role in this process, such a competit...

FINANCIAL ANALYSIS FUNDAMENT FOR ASSESSMENT THE COMPANY'S VALUE

Directory of Open Access Journals (Sweden)

Goran Karanovic

2010-06-01

Full Text Available Lack of capital market development cause that calculating the value of companies in the small markets, such as the Croatian market, is carried out primarily from the analysis of financial statements. Lack of market development is evident from the unrealistic and unobjective corporate values, as result of too small volumeof securities trading in financial markets. The primary financial analysis is the basic method for estimating company value, and represents the foundation for an objective determination of cash flow components that will be discounted. Trought analysis investors are trying to answer the questions such as: status of the assets,liabilities and capital, the dynamics of business enterprises, the level of solvency and liquidity, utilization of fixed assets, contribution of fixed assets in total income, company profitability rates and investment in the company. Investors use financial analysis only as a basis and as a tool to predict the potential for creating new business value.

InfoSound

DEFF Research Database (Denmark)

Sonnenwald, Diane H.; Gopinath, B.; Haberman, Gary O.

1990-01-01

The authors explore ways to enhance users' comprehension of complex applications using music and sound effects to present application-program events that are difficult to detect visually. A prototype system, Infosound, allows developers to create and store musical sequences and sound effects with...

The Sound of Science

Science.gov (United States)

Merwade, Venkatesh; Eichinger, David; Harriger, Bradley; Doherty, Erin; Habben, Ryan

2014-01-01

While the science of sound can be taught by explaining the concept of sound waves and vibrations, the authors of this article focused their efforts on creating a more engaging way to teach the science of sound--through engineering design. In this article they share the experience of teaching sound to third graders through an engineering challenge…

45 CFR 86.40 - Marital or parental status.

Science.gov (United States)

2010-10-01

... BASIS OF SEX IN EDUCATION PROGRAMS OR ACTIVITIES RECEIVING FEDERAL FINANCIAL ASSISTANCE Discrimination on the Basis of Sex in Education Programs or Activities Prohibited § 86.40 Marital or parental status... parental, family, or marital status which treats students differently on the basis of sex. (b) Pregnancy...

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…

The politics of socioeconomic status: how socioeconomic status may influence political attitudes and engagement.

Science.gov (United States)

Brown-Iannuzzi, Jazmin L; Lundberg, Kristjen B; McKee, Stephanie

2017-12-01

Socioeconomic status is hypothesized to be one factor informing political attitudes and actions. Presumably, this relationship is rooted in economic self-interest, with individuals preferring policies that would benefit them financially. In addition, these economic policy preferences are assumed to translate into political action. However, the relationships between socioeconomic status and political attitudes and behavior, as well as the psychological mechanisms associated with those relationships, are not straightforward. Here, we briefly review the current state of knowledge on the relationships between socioeconomic status and political attitudes and behavior. Overall, the research suggests that while socioeconomic status informs political attitudes toward economic policies, these attitudes may not correlate with complementary political behavior. Copyright © 2017. Published by Elsevier Ltd.

When does poor subjective financial position hurt the elderly? Testing the interaction with educational attainment using a national representative longitudinal survey.

Science.gov (United States)

Pu, Christy; Huang, Nicole; Tang, Gao-Jun; Chou, Yiing-Jenq

2011-03-17

Several studies have demonstrated that perceived financial status has a significant impact on health status among the elderly. However, little is known about whether such a subjective perception interacts with objective socioeconomic status (SES) measures such as education that affect the individual's health. This research used data from the Survey of Health and Living Status of the Middle Age and Elderly in Taiwan (SHLS) conducted by the Bureau of Health Promotion, Department of Health in Taiwan. Waves 1996, 1999 and 2003 were used. The sample consisted of 2,387 elderly persons. The interactive effects of self-rated satisfaction with financial position and educational attainment were estimated. Self-rated health (SRH), depressive symptom (measured by CES-D) and mortality were used to measure health outcomes. Significant interaction effect was found for depressive symptoms. Among those who were dissatisfied with their financial position, those who were illiterate had an odds ratio (OR) of 8.3 (95% CI 4.9 to 14.0) for having depressive symptoms compared with those who were very satisfied with their financial position. The corresponding OR for those with college or above was only 2.7 (95% CI 1.0 to 7.3). No significant interaction effect was found for SRH and mortality. Although poor financial satisfaction was found to be related to poorer health, the strongest association for this effect was observed among those with low educational attainment, and this is especially true for depressive symptoms. Subjective financial status among the elderly should be explored in conjunction with traditional measures of SES.

Light and Sound

CERN Document Server

Karam, P Andrew

2010-01-01

Our world is largely defined by what we see and hear-but our uses for light and sound go far beyond simply seeing a photo or hearing a song. A concentrated beam of light, lasers are powerful tools used in industry, research, and medicine, as well as in everyday electronics like DVD and CD players. Ultrasound, sound emitted at a high frequency, helps create images of a developing baby, cleans teeth, and much more. Light and Sound teaches how light and sound work, how they are used in our day-to-day lives, and how they can be used to learn about the universe at large.

The Textile Form of Sound

DEFF Research Database (Denmark)

Bendixen, Cecilie

Sound is a part of architecture, and sound is complex. Upon this, sound is invisible. How is it then possible to design visual objects that interact with the sound? This paper addresses the problem of how to get access to the complexity of sound and how to make textile material revealing the form...... goemetry by analysing the sound pattern at a specific spot. This analysis is done theoretically with algorithmic systems and practical with waves in water. The paper describes the experiments and the findings, and explains how an analysis of sound can be catched in a textile form....

Cyber Threats for Organizations of Financial Market Infrastructures

Directory of Open Access Journals (Sweden)

Natalia Georgievna Miloslavskaya

2016-03-01

Full Text Available Abstract: In the global informatization era the reliable and efficient financial market infrastructure of the Russian Federation (RF FMI plays an important role in the financial system and economy of the country. New cyber risks have acquired the status of the FR FMI systemic risk’s components, the importance of which is constantly growing due to the increase in the possible consequences of their implementation. The article introduces the basic concepts of cyber security, cyber space and cyber threats for the RF FMI and analyzes the specific features of cyber attacks against the RF FMI organizations.

Reduction of heart sound interference from lung sound signals using empirical mode decomposition technique.

Science.gov (United States)

Mondal, Ashok; Bhattacharya, P S; Saha, Goutam

2011-01-01

During the recording time of lung sound (LS) signals from the chest wall of a subject, there is always heart sound (HS) signal interfering with it. This obscures the features of lung sound signals and creates confusion on pathological states, if any, of the lungs. A novel method based on empirical mode decomposition (EMD) technique is proposed in this paper for reducing the undesired heart sound interference from the desired lung sound signals. In this, the mixed signal is split into several components. Some of these components contain larger proportions of interfering signals like heart sound, environmental noise etc. and are filtered out. Experiments have been conducted on simulated and real-time recorded mixed signals of heart sound and lung sound. The proposed method is found to be superior in terms of time domain, frequency domain, and time-frequency domain representations and also in listening test performed by pulmonologist.

Sound generator

NARCIS (Netherlands)

Berkhoff, Arthur P.

2008-01-01

A sound generator, particularly a loudspeaker, configured to emit sound, comprising a rigid element (2) enclosing a plurality of air compartments (3), wherein the rigid element (2) has a back side (B) comprising apertures (4), and a front side (F) that is closed, wherein the generator is provided

Sound generator

NARCIS (Netherlands)

Berkhoff, Arthur P.

2010-01-01

A sound generator, particularly a loudspeaker, configured to emit sound, comprising a rigid element (2) enclosing a plurality of air compartments (3), wherein the rigid element (2) has a back side (B) comprising apertures (4), and a front side (F) that is closed, wherein the generator is provided

Sound generator

NARCIS (Netherlands)

Berkhoff, Arthur P.

2007-01-01

A sound generator, particularly a loudspeaker, configured to emit sound, comprising a rigid element (2) enclosing a plurality of air compartments (3), wherein the rigid element (2) has a back side (B) comprising apertures (4), and a front side (F) that is closed, wherein the generator is provided

Detection System of Sound Noise Level (SNL) Based on Condenser Microphone Sensor

Science.gov (United States)

Rajagukguk, Juniastel; Eka Sari, Nurdieni

2018-03-01

The research aims to know the noise level by using the Arduino Uno as data processing input from sensors and called as Sound Noise Level (SNL). The working principle of the instrument is as noise detector with the show notifications the noise level on the LCD indicator and in the audiovisual form. Noise detection using the sensor is a condenser microphone and LM 567 as IC op-amps, which are assembled so that it can detect the noise, which sounds are captured by the sensor will turn the tide of sinusoida voice became sine wave energy electricity (altering sinusoida electric current) that is able to responded to complaints by the Arduino Uno. The tool is equipped with a detector consists of a set indicator LED and sound well as the notification from the text on LCD 16*2. Work setting indicators on the condition that, if the measured noise > 75 dB then sound will beep, the red LED will light up indicating the status of the danger. If the measured value on the LCD is higher than 56 dB, sound indicator will be beep and yellow LED will be on indicating noisy. If the noise measured value <55 dB, sound indicator will be quiet indicating peaceful from noisy. From the result of the research can be explained that the SNL is capable to detecting and displaying noise level with a measuring range 50-100 dB and capable to delivering the notification noise in audiovisual.

NASA Space Sounds API

Data.gov (United States)

National Aeronautics and Space Administration — NASA has released a series of space sounds via sound cloud. We have abstracted away some of the hassle in accessing these sounds, so that developers can play with...

The management accounting vocational fallacy

OpenAIRE

Shuttleworth, Christina Cornelia

2014-01-01

Rapid changes in highly competitive economic environments have created the need for sound financial management in organisations. In order to source sufficient numbers of skilled financial managers, specialised career guidance should be high on the agenda of educational and labour policy makers. While the chartered management accountant (CMA) enjoys international status, not many studies have been conducted to measure South African students’ and accounting teachers’ awareness of the CMA design...

Financial Distress Prediction of Iranian Companies Using Data Mining Techniques

Directory of Open Access Journals (Sweden)

Moradi Mahdi

2013-01-01

Full Text Available Decision-making problems in the area of financial status evaluation are considered very important. Making incorrect decisions in firms is very likely to cause financial crises and distress. Predicting financial distress of factories and manufacturing companies is the desire of managers and investors, auditors, financial analysts, governmental officials, employees. Therefore, the current study aims to predict financial distress of Iranian Companies. The current study applies support vector data description (SVDD to the financial distress prediction problem in an attempt to suggest a new model with better explanatory power and stability. To serve this purpose, we use a grid-search technique using 3-fold cross-validation to find out the optimal parameter values of kernel function of SVDD. To evaluate the prediction accuracy of SVDD, we compare its performance with fuzzy c-means (FCM.The experiment results show that SVDD outperforms the other method in years before financial distress occurrence. The data used in this research were obtained from Iran Stock Market and Accounting Research Database. According to the data between 2000 and 2009, 70 pairs of companies listed in Tehran Stock Exchange are selected as initial data set.

Sound Insulation between Dwellings

DEFF Research Database (Denmark)

Rasmussen, Birgit

2011-01-01

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

Remembering that big things sound big: Sound symbolism and associative memory.

Science.gov (United States)

Preziosi, Melissa A; Coane, Jennifer H

2017-01-01

According to sound symbolism theory, individual sounds or clusters of sounds can convey meaning. To examine the role of sound symbolic effects on processing and memory for nonwords, we developed a novel set of 100 nonwords to convey largeness (nonwords containing plosive consonants and back vowels) and smallness (nonwords containing fricative consonants and front vowels). In Experiments 1A and 1B, participants rated the size of the 100 nonwords and provided definitions to them as if they were products. Nonwords composed of fricative/front vowels were rated as smaller than those composed of plosive/back vowels. In Experiment 2, participants studied sound symbolic congruent and incongruent nonword and participant-generated definition pairings. Definitions paired with nonwords that matched the size and participant-generated meanings were recalled better than those that did not match. When the participant-generated definitions were re-paired with other nonwords, this mnemonic advantage was reduced, although still reliable. In a final free association study, the possibility that plosive/back vowel and fricative/front vowel nonwords elicit sound symbolic size effects due to mediation from word neighbors was ruled out. Together, these results suggest that definitions that are sound symbolically congruent with a nonword are more memorable than incongruent definition-nonword pairings. This work has implications for the creation of brand names and how to create brand names that not only convey desired product characteristics, but also are memorable for consumers.

An Antropologist of Sound

DEFF Research Database (Denmark)

Groth, Sanne Krogh

2015-01-01

PROFESSOR PORTRAIT: Sanne Krogh Groth met Holger Schulze, newly appointed professor in Musicology at the Department for Arts and Cultural Studies, University of Copenhagen, to a talk about anthropology of sound, sound studies, musical canons and ideology.......PROFESSOR PORTRAIT: Sanne Krogh Groth met Holger Schulze, newly appointed professor in Musicology at the Department for Arts and Cultural Studies, University of Copenhagen, to a talk about anthropology of sound, sound studies, musical canons and ideology....

Current status of implementation of IFRS in the preparation of financial statements of peruvian companies

Directory of Open Access Journals (Sweden)

Oscar Alfredo Diaz Becerra

2010-12-01

Full Text Available For investors and other users of financial information to be able to act with full transparency and reliability it is necessary, among other things, that it be prepared according to a regulatory framework that is based on international standards that in turn adapt to new requirements of the global economy. The high level of globalization of the world economy has led the International Financial Reporting Standards (IFRS to become the highest international standards applicable throughout the world and in the case of Peru, these standards have been made mandatory in preparing the financial statements of companies incorporated under the scope of the General Corporate law. Thus, the main purpose of this research , having an exploratory design, is ro have an initial approach on the compliance with the, implementation of IFRS in the preparation and presentation of financial statements of Peruvian companies that are not under the supervision of the National Supervisory Commission for Companies and Securities (CONASEV. To this end, first ít presents a general review of the theoretical framework of financial reporting and secondly, an analysis of the Peruvian Setting Accounting Standards related to the preparation and presentation of financial statements. The third part of this work presents and describes the methodological aspects used in the development of this research, for which it has developed a survey that includes eighteen closed questions and two open ended questions, structured according to our main and specific objectives of this research. The survey was distributed to a sample of companies selected from the universe defined in the research. The results are set out in the fourth section of the article, entitled, research results and which analyzes the responses to each of the survey questions. Finally, we present the conclusions and recommendations that can be reached, highlighting among the main ones, a high incidence of tax and legal aspects

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.

Evaluating the Financial Stability of Banking System, Considering the Emergence Property

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Lesik Vitaliy O.

2017-03-01

Full Text Available The article is concerned with analyzing the existing approaches to evaluation of the financial stability of banking system, substantiating the expedience of accounting, and generalizing the characteristics of the emergence property to determine its level. The article considers the interrelation of concepts of «financial stability» and «financial sustainability», the necessity of their correlation, taking account of the time factor, has been substantiated. A critical analysis of the approaches to evaluating the financial stability of banking system has been carried out, their eligibility according to the criteria of accounting of the identification attributes of systemacity and the analytical data aggregation has been examined. To determine the status of banking system as a system phenomenon, the necessity of carrying out an evaluation of its financial stability on the basis of the emergence approach has been substantiated, including the following directions: intensity of credit and financial interaction in the interbank market; functional load of the banking system as to ensuring the macroeconomic development; structural changes and financial disparities in the banking system; scale effects that arise as a consequence of change in the main financial parameters of the system banks.

Sound specificity effects in spoken word recognition: The effect of integrality between words and sounds

DEFF Research Database (Denmark)

Strori, Dorina; Zaar, Johannes; Cooke, Martin

2017-01-01

Recent evidence has shown that nonlinguistic sounds co-occurring with spoken words may be retained in memory and affect later retrieval of the words. This sound-specificity effect shares many characteristics with the classic voice-specificity effect. In this study, we argue that the sound......-specificity effect is conditional upon the context in which the word and sound coexist. Specifically, we argue that, besides co-occurrence, integrality between words and sounds is a crucial factor in the emergence of the effect. In two recognition-memory experiments, we compared the emergence of voice and sound...... from a mere co-occurrence context effect by removing the intensity modulation. The absence of integrality led to the disappearance of the sound-specificity effect. Taken together, the results suggest that the assimilation of background sounds into memory cannot be reduced to a simple context effect...

Active sound reduction system and method

NARCIS (Netherlands)

2016-01-01

The present invention refers to an active sound reduction system and method for attenuation of sound emitted by a primary sound source, especially for attenuation of snoring sounds emitted by a human being. This system comprises a primary sound source, at least one speaker as a secondary sound

Sound Symbolism in Basic Vocabulary

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Søren Wichmann

2010-04-01

Full Text Available The relationship between meanings of words and their sound shapes is to a large extent arbitrary, but it is well known that languages exhibit sound symbolism effects violating arbitrariness. Evidence for sound symbolism is typically anecdotal, however. Here we present a systematic approach. Using a selection of basic vocabulary in nearly one half of the world’s languages we find commonalities among sound shapes for words referring to same concepts. These are interpreted as due to sound symbolism. Studying the effects of sound symbolism cross-linguistically is of key importance for the understanding of language evolution.

Financial burden in recipients of allogeneic hematopoietic cell transplantation.

Science.gov (United States)

Khera, Nandita; Chang, Yu-hui; Hashmi, Shahrukh; Slack, James; Beebe, Timothy; Roy, Vivek; Noel, Pierre; Fauble, Veena; Sproat, Lisa; Tilburt, Jon; Leis, Jose F; Mikhael, Joseph

2014-09-01

Although allogeneic hematopoietic cell transplantation (HCT) is an expensive treatment for hematological disorders, little is known about the financial consequences for the patients who undergo this procedure. We analyzed factors associated with its financial burden and its impact on health behaviors of allogeneic HCT recipients. A questionnaire was retrospectively mailed to 482 patients who underwent allogeneic HCT from January 2006 to June 2012 at the Mayo Clinic, to collect information regarding current financial concerns, household income, employment, insurance, out-of-pocket expenses, and health and functional status. A multivariable logistic regression analysis identified factors associated with financial burden and treatment nonadherence. Of the 268 respondents (56% response rate), 73% reported that their sickness had hurt them financially. All patients for whom the insurance information was available (missing, n = 13) were insured. Forty-seven percent of respondents experienced financial burden, such as household income decreased by >50%, selling/mortgaging home, or withdrawing money from retirement accounts. Three percent declared bankruptcy. Younger age and poor current mental and physical functioning increased the likelihood of financial burden. Thirty-five percent of patients reported deleterious health behaviors because of financial constraints. These patients were likely to be younger, have lower education, and with a longer time since HCT. Being employed decreased the likelihood of experiencing financial burden and treatment nonadherence due to concern about costs. A significant proportion of allogeneic HCT survivors experience financial hardship despite insurance coverage. Future research should investigate potential interventions to help at-risk patients and prevent adverse financial outcomes after this life-saving procedure. Copyright © 2014 American Society for Blood and Marrow Transplantation. Published by Elsevier Inc. All rights reserved.

Sounding the Alarm: An Introduction to Ecological Sound Art

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Jonathan Gilmurray

2016-12-01

Full Text Available In recent years, a number of sound artists have begun engaging with ecological issues through their work, forming a growing movement of ˝ecological sound art˝. This paper traces its development, examines its influences, and provides examples of the artists whose work is currently defining this important and timely new field.

Financial Village Standing in Indonesian Financial System

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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

Sound Stuff? Naïve materialism in middle-school students' conceptions of sound

Science.gov (United States)

Eshach, Haim; Schwartz, Judah L.

2006-06-01

Few studies have dealt with students’ preconceptions of sounds. The current research employs Reiner et al. (2000) substance schema to reveal new insights about students’ difficulties in understanding this fundamental topic. It aims not only to detect whether the substance schema is present in middle school students’ thinking, but also examines how students use the schema’s properties. It asks, moreover, whether the substance schema properties are used as islands of local consistency or whether one can identify more global coherent consistencies among the properties that the students use to explain the sound phenomena. In-depth standardized open-ended interviews were conducted with ten middle school students. Consistent with the substance schema, sound was perceived by our participants as being pushable, frictional, containable, or transitional. However, sound was also viewed as a substance different from the ordinary with respect to its stability, corpuscular nature, additive properties, and inertial characteristics. In other words, students’ conceptions of sound do not seem to fit Reiner et al.’s schema in all respects. Our results also indicate that students’ conceptualization of sound lack internal consistency. Analyzing our results with respect to local and global coherence, we found students’ conception of sound is close to diSessa’s “loosely connected, fragmented collection of ideas.” The notion that sound is perceived only as a “sort of a material,” we believe, requires some revision of the substance schema as it applies to sound. The article closes with a discussion concerning the implications of the results for instruction.

Sound symbolism: the role of word sound in meaning.

Science.gov (United States)

Svantesson, Jan-Olof

2017-09-01

The question whether there is a natural connection between sound and meaning or if they are related only by convention has been debated since antiquity. In linguistics, it is usually taken for granted that 'the linguistic sign is arbitrary,' and exceptions like onomatopoeia have been regarded as marginal phenomena. However, it is becoming more and more clear that motivated relations between sound and meaning are more common and important than has been thought. There is now a large and rapidly growing literature on subjects as ideophones (or expressives), words that describe how a speaker perceives a situation with the senses, and phonaesthemes, units like English gl-, which occur in many words that share a meaning component (in this case 'light': gleam, glitter, etc.). Furthermore, psychological experiments have shown that sound symbolism in one language can be understood by speakers of other languages, suggesting that some kinds of sound symbolism are universal. WIREs Cogn Sci 2017, 8:e1441. doi: 10.1002/wcs.1441 For further resources related to this article, please visit the WIREs website. © 2017 Wiley Periodicals, Inc.

Comparison between bilateral cochlear implants and Neurelec Digisonic(®) SP Binaural cochlear implant: speech perception, sound localization and patient self-assessment.

Science.gov (United States)

Bonnard, Damien; Lautissier, Sylvie; Bosset-Audoit, Amélie; Coriat, Géraldine; Beraha, Max; Maunoury, Antoine; Martel, Jacques; Darrouzet, Vincent; Bébéar, Jean-Pierre; Dauman, René

2013-01-01

An alternative to bilateral cochlear implantation is offered by the Neurelec Digisonic(®) SP Binaural cochlear implant, which allows stimulation of both cochleae within a single device. The purpose of this prospective study was to compare a group of Neurelec Digisonic(®) SP Binaural implant users (denoted BINAURAL group, n = 7) with a group of bilateral adult cochlear implant users (denoted BILATERAL group, n = 6) in terms of speech perception, sound localization, and self-assessment of health status and hearing disability. Speech perception was assessed using word recognition at 60 dB SPL in quiet and in a 'cocktail party' noise delivered through five loudspeakers in the hemi-sound field facing the patient (signal-to-noise ratio = +10 dB). The sound localization task was to determine the source of a sound stimulus among five speakers positioned between -90° and +90° from midline. Change in health status was assessed using the Glasgow Benefit Inventory and hearing disability was evaluated with the Abbreviated Profile of Hearing Aid Benefit. Speech perception was not statistically different between the two groups, even though there was a trend in favor of the BINAURAL group (mean percent word recognition in the BINAURAL and BILATERAL groups: 70 vs. 56.7% in quiet, 55.7 vs. 43.3% in noise). There was also no significant difference with regard to performance in sound localization and self-assessment of health status and hearing disability. On the basis of the BINAURAL group's performance in hearing tasks involving the detection of interaural differences, implantation with the Neurelec Digisonic(®) SP Binaural implant may be considered to restore effective binaural hearing. Based on these first comparative results, this device seems to provide benefits similar to those of traditional bilateral cochlear implantation, with a new approach to stimulate both auditory nerves. Copyright © 2013 S. Karger AG, Basel.

Sound-by-sound thalamic stimulation modulates midbrain auditory excitability and relative binaural sensitivity in frogs.

Science.gov (United States)

Ponnath, Abhilash; Farris, Hamilton E

2014-01-01

Descending circuitry can modulate auditory processing, biasing sensitivity to particular stimulus parameters and locations. Using awake in vivo single unit recordings, this study tested whether electrical stimulation of the thalamus modulates auditory excitability and relative binaural sensitivity in neurons of the amphibian midbrain. In addition, by using electrical stimuli that were either longer than the acoustic stimuli (i.e., seconds) or presented on a sound-by-sound basis (ms), experiments addressed whether the form of modulation depended on the temporal structure of the electrical stimulus. Following long duration electrical stimulation (3-10 s of 20 Hz square pulses), excitability (spikes/acoustic stimulus) to free-field noise stimuli decreased by 32%, but returned over 600 s. In contrast, sound-by-sound electrical stimulation using a single 2 ms duration electrical pulse 25 ms before each noise stimulus caused faster and varied forms of modulation: modulation lasted sound-by-sound electrical stimulation varied between different acoustic stimuli, including for different male calls, suggesting modulation is specific to certain stimulus attributes. For binaural units, modulation depended on the ear of input, as sound-by-sound electrical stimulation preceding dichotic acoustic stimulation caused asymmetric modulatory effects: sensitivity shifted for sounds at only one ear, or by different relative amounts for both ears. This caused a change in the relative difference in binaural sensitivity. Thus, sound-by-sound electrical stimulation revealed fast and ear-specific (i.e., lateralized) auditory modulation that is potentially suited to shifts in auditory attention during sound segregation in the auditory scene.

Sound specificity effects in spoken word recognition: The effect of integrality between words and sounds.

Science.gov (United States)

Strori, Dorina; Zaar, Johannes; Cooke, Martin; Mattys, Sven L

2018-01-01

Recent evidence has shown that nonlinguistic sounds co-occurring with spoken words may be retained in memory and affect later retrieval of the words. This sound-specificity effect shares many characteristics with the classic voice-specificity effect. In this study, we argue that the sound-specificity effect is conditional upon the context in which the word and sound coexist. Specifically, we argue that, besides co-occurrence, integrality between words and sounds is a crucial factor in the emergence of the effect. In two recognition-memory experiments, we compared the emergence of voice and sound specificity effects. In Experiment 1 , we examined two conditions where integrality is high. Namely, the classic voice-specificity effect (Exp. 1a) was compared with a condition in which the intensity envelope of a background sound was modulated along the intensity envelope of the accompanying spoken word (Exp. 1b). Results revealed a robust voice-specificity effect and, critically, a comparable sound-specificity effect: A change in the paired sound from exposure to test led to a decrease in word-recognition performance. In the second experiment, we sought to disentangle the contribution of integrality from a mere co-occurrence context effect by removing the intensity modulation. The absence of integrality led to the disappearance of the sound-specificity effect. Taken together, the results suggest that the assimilation of background sounds into memory cannot be reduced to a simple context effect. Rather, it is conditioned by the extent to which words and sounds are perceived as integral as opposed to distinct auditory objects.

Analysis, Synthesis, and Perception of Musical Sounds The Sound of Music

CERN Document Server

Beauchamp, James W

2007-01-01

Analysis, Synthesis, and Perception of Musical Sounds contains a detailed treatment of basic methods for analysis and synthesis of musical sounds, including the phase vocoder method, the McAulay-Quatieri frequency-tracking method, the constant-Q transform, and methods for pitch tracking with several examples shown. Various aspects of musical sound spectra such as spectral envelope, spectral centroid, spectral flux, and spectral irregularity are defined and discussed. One chapter is devoted to the control and synthesis of spectral envelopes. Two advanced methods of analysis/synthesis are given: "Sines Plus Transients Plus Noise" and "Spectrotemporal Reassignment" are covered. Methods for timbre morphing are given. The last two chapters discuss the perception of musical sounds based on discrimination and multidimensional scaling timbre models.

Underwater Sound Levels at a Wave Energy Device Testing Facility in Falmouth Bay, UK.

Science.gov (United States)

Garrett, Joanne K; Witt, Matthew J; Johanning, Lars

2016-01-01

Passive acoustic monitoring devices were deployed at FaBTest in Falmouth Bay, UK, a marine renewable energy device testing facility during trials of a wave energy device. The area supports considerable commercial shipping and recreational boating along with diverse marine fauna. Noise monitoring occurred during (1) a baseline period, (2) installation activity, (3) the device in situ with inactive power status, and (4) the device in situ with active power status. This paper discusses the preliminary findings of the sound recording at FabTest during these different activity periods of a wave energy device trial.

Legal-sounding bureaucratic re-centralisation of community forestry in Nepal

DEFF Research Database (Denmark)

Basnyat, Bijendra; Treue, Thorsten; Pokharel, Ridish Kumar

2018-01-01

, forest officials, and donor project employees in Nepal, we document the mechanisms of legal-sounding re-centralisation. The central tenet is that bureaucratically established procedures, which are not required by law but treated as if they were, are used to impose regular revisions of community forest...... management plans. Meagre government or more generous donor budgets financed the revisions. Forest bureaucrats and/or consultants did the work and benefitted financially. None of the approaches, however, lived up to technical, scientific standards or followed stipulated participatory processes. The revised...... of plan revisions appears to be strengthening or re-establishing the forest bureaucracy's control over community forest resources which allows forest bureaucrats to tap into donor project and forest product value chains....

Resilience among older caregivers in rural Namibia: The role of financial status, social support and health.

Science.gov (United States)

Kalomo, Eveline Ndii; Lee, Kyoung Hag; Lightfoot, Elizabeth; Freeman, Rachel

2018-04-23

Namibia has one of the highest human immunodeficiency virus (HIV) prevalence rates and one of the highest rates of orphanhood in the world, and older caregivers provide much of the care to Namibians living with HIV and acquired immune deficiency syndrome (AIDS) (UNAIDS, 2014). In this study, the authors explore how financial status, social support, and health were related to the resilience of caregivers caring for people affected by HIV and AIDS in rural northern Namibia, Africa. Data were collected through a structured interview from (N = 147) caregivers from the Zambezi region. Findings from this study show that employment and physical health were significantly associated with increased resilience in older caregivers. Our findings point to the need for employment assistance and health services to improve the resilience of caregivers caring for people living with HIV and AIDS. We conclude that there is a need for more vigorous concerted efforts from public and private sector practitioners and policy makers to create more sustained formal employment opportunities and intervention programs aimed at improving the overall health of older HIV caregivers, especially those residing in rural HIV endemic communities in developing countries.

Michael Jackson's Sound Stages

OpenAIRE

Morten Michelsen

2012-01-01

In order to discuss analytically spatial aspects of recorded sound William Moylan’s concept of ‘sound stage’ is developed within a musicological framework as part of a sound paradigm which includes timbre, texture and sound stage. Two Michael Jackson songs (‘The Lady in My Life’ from 1982 and ‘Scream’ from 1995) are used to: a) demonstrate the value of such a conceptualisation, and b) demonstrate that the model has its limits, as record producers in the 1990s began ignoring the conventions of...

Office of the Chief Financial Officer Annual Report 2007

Energy Technology Data Exchange (ETDEWEB)

Fernandez, Jeffrey

2007-12-18

2007 was a year of progress and challenges for the Office of the Chief Financial Officer (OCFO). I believe that with the addition of a new Controller, the OCFO senior management team is stronger than ever. With the new Controller on board, the senior management team spent two intensive days updating our strategic plan for the next five years ending in 2012, while making sure that we continue to execute on our existing strategic initiatives. In 2007 the Budget Office, teaming with Human Resources, worked diligently with our colleagues on campus to reengineer the Multi-Location Appointment (MLA) process, making it easier for our Principal Investigators (PIs) to work simultaneously between the Laboratory and UC campuses. The hiring of a point-of-contact in Human Resources to administer the program will also make the process flow smoother. In order to increase our financial flexibility, the OCFO worked with the Department of Energy (DOE) to win approval to reduce the burden rates on research and development (R&D) subcontracts and Intra-University Transfers (IUT). The Budget Office also performed a 'return on investment' (ROI) analysis to secure UCRP funding for a much needed vocational rehabilitation counselor. This new counselor now works with employees who are on medical leave to ensure that they can return to work in a more timely fashion, or if not able to return, usher them through the various options available to them. Under the direction of the new Controller, PriceWaterhouse Coopers (PWC) performed their annual audit of the Laboratory's financial data and reported positive results. In partnership with the Financial Policy and Training Office, the Controller's Office also helped to launch self-assessments of some of our financial processes, including timekeeping and resource adjustments. These self assessments were conducted to promote efficiencies and mitigate risk. In some cases they provided assurance that our practices are sound, and in

ABOUT SOUNDS IN VIDEO GAMES

Directory of Open Access Journals (Sweden)

Denikin Anton A.

2012-12-01

Full Text Available The article considers the aesthetical and practical possibilities for sounds (sound design in video games and interactive applications. Outlines the key features of the game sound, such as simulation, representativeness, interactivity, immersion, randomization, and audio-visuality. The author defines the basic terminology in study of game audio, as well as identifies significant aesthetic differences between film sounds and sounds in video game projects. It is an attempt to determine the techniques of art analysis for the approaches in study of video games including aesthetics of their sounds. The article offers a range of research methods, considering the video game scoring as a contemporary creative practice.

FINANCIAL INSTABILITY, FINANCIAL DEVELOPMENT AND POVERTY

Directory of Open Access Journals (Sweden)

Ionescu Cristian

2012-12-01

Full Text Available There is a positive relationship between financial development and economic growth in short-run and long-run. Financial development is beneficial to the reduction of poverty. But the financial instability which accompanies financial development is is costly for the poor and reduces the positive effect of financial development on the reduction of poverty. The paper aims to analyze in detail the relationship and the (direct and indirect effects between these variables, taking into account their economic and social importance. It is also highlighted the correlation between the financial economy and the real economy, emphasizing the impact on social welfare involved by the interaction of the above mentioned variables.

”Sound [signal] noise

DEFF Research Database (Denmark)

Bjørnsten, Thomas

2012-01-01

The article discusses the intricate relationship between sound and signification through notions of noise. The emergence of new fields of sonic artistic practices has generated several questions of how to approach sound as aesthetic form and material. During the past decade an increased attention...... has been paid to, for instance, a category such as ‘sound art’ together with an equally strengthened interest in phenomena and concepts that fall outside the accepted aesthetic procedures and constructions of what we traditionally would term as musical sound – a recurring example being ‘noise’....

Financial security of military judges in South Africa | Tshivhase ...

African Journals Online (AJOL)

The status of military courts within the South African judicial system is uncertain. This uncertainty makes it challenging to determine the acceptable degree of their independence, including determining the acceptable basic financial security of military judges. In Van Rooyen v The State (2002) 5 SA 246 (CC), the ...

32 CFR 231.10 - Financial institutions on DoD installations.

Science.gov (United States)

2010-07-01

... statutory authority that is separate from State or Federal laws that govern commercial banking. Section 265... forces agreements, other intergovernmental agreements, or host-country law. (ii) Financial services at... a geographic franchise and, where applicable, as authorized by the pertinent status of forces...

Beneath sci-fi sound: primer, science fiction sound design, and American independent cinema

OpenAIRE

Johnston, Nessa

2012-01-01

Primer is a very low budget science-fiction film that deals with the subject of time travel; however, it looks and sounds quite distinctively different from other films associated with the genre. While Hollywood blockbuster sci-fi relies on “sound spectacle” as a key attraction, in contrast Primer sounds “lo-fi” and screen-centred, mixed to two channel stereo rather than the now industry-standard 5.1 surround sound. Although this is partly a consequence of the economics of its production, the...

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

An analysis of the financial crisis in the KOSPI market using Hurst exponents

Science.gov (United States)

Yim, Kyubin; Oh, Gabjin; Kim, Seunghwan

2014-09-01

Recently, the study of the financial crisis has progressed to include the concept of the complex system, thereby improving the understanding of this extreme event from a neoclassical economic perspective. To determine which variables are related to the financial event caused by the 2008 US subprime crisis using temporal correlations, we investigate the diverse variables that may explain the financial system. These variables include return, volatility, trading volume and inter-trade duration data sets within the TAQ data for 27 highly capitalized individual companies listed on the KOSPI stock market. During 2008 and 2009, the Hurst exponent for the return time series over the whole period was less than 0.5, and the Hurst exponents for other variables, such as the volatility, trading volume and inter-trade duration, were greater than 0.5. Additionally, we analyze the relationships between the variation of temporal correlation and market instability based on these Hurst exponents and the degree of multifractality. We find that for the data related to trading volume, the Hurst exponents do not allow us to detect changes in market status, such as changes from normal to abnormal status, whereas other variables, including the return, volatility and weekly inter-trade duration, indicate a significant change in market status after the Lehman Brothers' bankruptcy. In addition, the multifractality and the measurement defined by subtracting the Hurst exponent of the return time series from that of the volatility time series decrease sharply after the US subprime event and recover approximately 50 days after the Lehman Brothers' collapse. Our findings suggest that the temporal features of financial quantities in the TAQ data set and the market complexity perform very well at diagnosing financial market stability.

How Am I Going to Pay for That?!: First-Generation University Students and Their Financial Concerns

Science.gov (United States)

Shultz, Judith J. Andrews

2013-01-01

This study examines first-generation research-university students in relation to their financial considerations. It is driven by the question, What is the relationship between first-generation college-student status and financial considerations among research-university students? It explores the impact of such variables as first-generation student…

Sound classification of dwellings

DEFF Research Database (Denmark)

Rasmussen, Birgit

2012-01-01

National schemes for sound classification of dwellings exist in more than ten countries in Europe, typically published as national standards. The schemes define quality classes reflecting different levels of acoustical comfort. Main criteria concern airborne and impact sound insulation between...... dwellings, facade sound insulation and installation noise. The schemes have been developed, implemented and revised gradually since the early 1990s. However, due to lack of coordination between countries, there are significant discrepancies, and new standards and revisions continue to increase the diversity...... is needed, and a European COST Action TU0901 "Integrating and Harmonizing Sound Insulation Aspects in Sustainable Urban Housing Constructions", has been established and runs 2009-2013, one of the main objectives being to prepare a proposal for a European sound classification scheme with a number of quality...

Vocal Imitations of Non-Vocal Sounds

Science.gov (United States)

Houix, Olivier; Voisin, Frédéric; Misdariis, Nicolas; Susini, Patrick

2016-01-01

Imitative behaviors are widespread in humans, in particular whenever two persons communicate and interact. Several tokens of spoken languages (onomatopoeias, ideophones, and phonesthemes) also display different degrees of iconicity between the sound of a word and what it refers to. Thus, it probably comes at no surprise that human speakers use a lot of imitative vocalizations and gestures when they communicate about sounds, as sounds are notably difficult to describe. What is more surprising is that vocal imitations of non-vocal everyday sounds (e.g. the sound of a car passing by) are in practice very effective: listeners identify sounds better with vocal imitations than with verbal descriptions, despite the fact that vocal imitations are inaccurate reproductions of a sound created by a particular mechanical system (e.g. a car driving by) through a different system (the voice apparatus). The present study investigated the semantic representations evoked by vocal imitations of sounds by experimentally quantifying how well listeners could match sounds to category labels. The experiment used three different types of sounds: recordings of easily identifiable sounds (sounds of human actions and manufactured products), human vocal imitations, and computational “auditory sketches” (created by algorithmic computations). The results show that performance with the best vocal imitations was similar to the best auditory sketches for most categories of sounds, and even to the referent sounds themselves in some cases. More detailed analyses showed that the acoustic distance between a vocal imitation and a referent sound is not sufficient to account for such performance. Analyses suggested that instead of trying to reproduce the referent sound as accurately as vocally possible, vocal imitations focus on a few important features, which depend on each particular sound category. These results offer perspectives for understanding how human listeners store and access long

The Prevalence of Stuttering, Voice, and Speech-Sound Disorders in Primary School Students in Australia

Science.gov (United States)

McKinnon, David H.; McLeod, Sharynne; Reilly, Sheena

2007-01-01

Purpose: The aims of this study were threefold: to report teachers' estimates of the prevalence of speech disorders (specifically, stuttering, voice, and speech-sound disorders); to consider correspondence between the prevalence of speech disorders and gender, grade level, and socioeconomic status; and to describe the level of support provided to…

FINANCIAL DEPTH AND FINANCIAL ACCESS IN INDONESIA

Directory of Open Access Journals (Sweden)

Sigit Setiawan

2015-05-01

Full Text Available This study is intended to analyze the current levels of financial depth and financial access in Indonesia and to analyze the factors affecting them. The analysis method used was a combination of descriptive quantitative, benchmarking, and literature reviews. The conclusion is that the financial depth in Indonesia has not shown a satisfactory level since it was the lowest, or the second lowest ranked country among the sampled countries. Meanwhile, the financial access in Indonesia is relatively better than its financial depth, especially for financial markets, in which Indonesia ranks in the lower average group. From literature reviews, it can be inferred that the main factor driving the poor financial depth in Indonesia is non-competitiveness of the institutions; whereas the driving force of poor financial access in Indonesia are geographical constraints, poverty, a high income gap, and a less than effective national financial development policy.

Sound Art Situations

DEFF Research Database (Denmark)

Krogh Groth, Sanne; Samson, Kristine

2017-01-01

and combine theories from several fields. Aspects of sound art studies, performance studies and contemporary art studies are presented in order to theoretically explore the very diverse dimensions of the two sound art pieces: Visual, auditory, performative, social, spatial and durational dimensions become......This article is an analysis of two sound art performances that took place June 2015 in outdoor public spaces in the social housing area Urbanplanen in Copenhagen, Denmark. The two performances were On the production of a poor acoustics by Brandon LaBelle and Green Interactive Biofeedback...... Environments (GIBE) by Jeremy Woodruff. In order to investigate the complex situation that arises when sound art is staged in such contexts, the authors of this article suggest exploring the events through approaching them as ‘situations’ (Doherty 2009). With this approach it becomes possible to engage...

Characteristic sounds facilitate visual search.

Science.gov (United States)

Iordanescu, Lucica; Guzman-Martinez, Emmanuel; Grabowecky, Marcia; Suzuki, Satoru

2008-06-01

In a natural environment, objects that we look for often make characteristic sounds. A hiding cat may meow, or the keys in the cluttered drawer may jingle when moved. Using a visual search paradigm, we demonstrated that characteristic sounds facilitated visual localization of objects, even when the sounds carried no location information. For example, finding a cat was faster when participants heard a meow sound. In contrast, sounds had no effect when participants searched for names rather than pictures of objects. For example, hearing "meow" did not facilitate localization of the word cat. These results suggest that characteristic sounds cross-modally enhance visual (rather than conceptual) processing of the corresponding objects. Our behavioral demonstration of object-based cross-modal enhancement complements the extensive literature on space-based cross-modal interactions. When looking for your keys next time, you might want to play jingling sounds.

The Solution to the Financial Literacy Problem: What is the Answer?

Directory of Open Access Journals (Sweden)

Sharon M. Taylor

2013-09-01

Full Text Available Over the last two decades the need for a financially literate population has grown in importance. Hence in Australia, it is imperative that individuals possess both the financial knowledge and capability to make sound financial decisions. In contrast, the results of the Australian & New Zealand Bank (ANZ surveys from 2003 to 2010 have demonstrated that there is a substantial deficiency in the level of financial literacy amongst many of the Australian population. Both the government and the private sector have encouraged the development of financial education programs as an important tool in remedying the detected low levels of financial literacy as reported in the ANZ research. The Australian Security and Investment Commission (ASIC, the government regulator, has strongly promoted the need to develop confident and informed consumers and investors through the provision of quality financial education. ASIC’s focus was reiterated in its Report 229, the National Financial Literacy Strategy. This report which was announced in March 2011 set out the strategy for the development and delivery of initiatives to improve financial literacy levels in Australia (ASIC 2011. In particular, the National Strategy has been developed to improve the level of financial literacy among Australian students. The focus is on incorporating financial education through the existing school curriculum, beginning in kindergarten through to year 12 students. The aim of this research paper is to challenge and ask questions relating to the Australian Government’s financial literacy strategy directed at schools. This direction would appear to have limited support of success, given the evidence published in the USA, and to a limited extent in the United Kingdom and Europe. This study reviews the current evidence available in both Australia and the USA in relation to financial literacy projects in schools. In respect of the international experience this paper explores the

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

Determining the speed of sound in the air by sound wave interference

Science.gov (United States)

Silva, Abel A.

2017-07-01

Mechanical waves propagate through material media. Sound is an example of a mechanical wave. In fluids like air, sound waves propagate through successive longitudinal perturbations of compression and decompression. Audible sound frequencies for human ears range from 20 to 20 000 Hz. In this study, the speed of sound v in the air is determined using the identification of maxima of interference from two synchronous waves at frequency f. The values of v were correct to 0 °C. The experimental average value of {\\bar{ν }}\\exp =336 +/- 4 {{m}} {{{s}}}-1 was found. It is 1.5% larger than the reference value. The standard deviation of 4 m s-1 (1.2% of {\\bar{ν }}\\exp ) is an improved value by the use of the concept of the central limit theorem. The proposed procedure to determine the speed of sound in the air aims to be an academic activity for physics classes of scientific and technological courses in college.

Fluid Sounds

DEFF Research Database (Denmark)

Explorations and analysis of soundscapes have, since Canadian R. Murray Schafer's work during the early 1970's, developed into various established research - and artistic disciplines. The interest in sonic environments is today present within a broad range of contemporary art projects and in arch......Explorations and analysis of soundscapes have, since Canadian R. Murray Schafer's work during the early 1970's, developed into various established research - and artistic disciplines. The interest in sonic environments is today present within a broad range of contemporary art projects...... and in architectural design. Aesthetics, psychoacoustics, perception, and cognition are all present in this expanding field embracing such categories as soundscape composition, sound art, sonic art, sound design, sound studies and auditory culture. Of greatest significance to the overall field is the investigation...

The influence of environmental sound training on the perception of spectrally degraded speech and environmental sounds.

Science.gov (United States)

Shafiro, Valeriy; Sheft, Stanley; Gygi, Brian; Ho, Kim Thien N

2012-06-01

Perceptual training with spectrally degraded environmental sounds results in improved environmental sound identification, with benefits shown to extend to untrained speech perception as well. The present study extended those findings to examine longer-term training effects as well as effects of mere repeated exposure to sounds over time. Participants received two pretests (1 week apart) prior to a week-long environmental sound training regimen, which was followed by two posttest sessions, separated by another week without training. Spectrally degraded stimuli, processed with a four-channel vocoder, consisted of a 160-item environmental sound test, word and sentence tests, and a battery of basic auditory abilities and cognitive tests. Results indicated significant improvements in all speech and environmental sound scores between the initial pretest and the last posttest with performance increments following both exposure and training. For environmental sounds (the stimulus class that was trained), the magnitude of positive change that accompanied training was much greater than that due to exposure alone, with improvement for untrained sounds roughly comparable to the speech benefit from exposure. Additional tests of auditory and cognitive abilities showed that speech and environmental sound performance were differentially correlated with tests of spectral and temporal-fine-structure processing, whereas working memory and executive function were correlated with speech, but not environmental sound perception. These findings indicate generalizability of environmental sound training and provide a basis for implementing environmental sound training programs for cochlear implant (CI) patients.

Sound Surfing Network (SSN): Mobile Phone-based Sound Spatialization with Audience Collaboration

OpenAIRE

Park, Saebyul; Ban, Seonghoon; Hong, Dae Ryong; Yeo, Woon Seung

2013-01-01

SSN (Sound Surfing Network) is a performance system that provides a new musicalexperience by incorporating mobile phone-based spatial sound control tocollaborative music performance. SSN enables both the performer and theaudience to manipulate the spatial distribution of sound using the smartphonesof the audience as distributed speaker system. Proposing a new perspective tothe social aspect music appreciation, SSN will provide a new possibility tomobile music performances in the context of in...

Financial stress and outcomes after acute myocardial infarction.

Directory of Open Access Journals (Sweden)

Sachin J Shah

Full Text Available Little is known about the association between financial stress and health care outcomes. Our objective was to examine the association between self-reported financial stress during initial hospitalization and long-term outcomes after acute myocardial infarction (AMI.We used prospective registry evaluating myocardial infarction: Event and Recovery (PREMIER data, an observational, multicenter US study of AMI patients discharged between January 2003 and June 2004. Primary outcomes were disease-specific and generic health status outcomes at 1 year (symptoms, function, and quality of life (QoL, assessed by the Seattle Angina Questionnaire [SAQ] and Short Form [SF]-12. Secondary outcomes included 1-year rehospitalization and 4-year mortality. Hierarchical regression models accounted for patient socio-demographic, clinical, and quality of care characteristics, and access and barriers to care.Among 2344 AMI patients, 1241 (52.9% reported no financial stress, 735 (31.4% reported low financial stress, and 368 (15.7% reported high financial stress. When comparing individuals reporting low financial stress to no financial stress, there were no significant differences in post-AMI outcomes. In contrast, individuals reporting high financial stress were more likely to have worse physical health (SF-12 PCS mean difference -3.24, 95% Confidence Interval [CI]: -4.82, -1.66, mental health (SF-12 MCS mean difference: -2.44, 95% CI: -3.83, -1.05, disease-specific QoL (SAQ QoL mean difference: -6.99, 95% CI: -9.59, -4.40, and be experiencing angina (SAQ Angina Relative Risk = 1.66, 95%CI: 1.19, 2.32 at 1 year post-AMI. While 1-year readmission rates were increased (Hazard Ratio = 1.50; 95%CI: 1.20, 1.86, 4-year mortality was no different.High financial stress is common and an important risk factor for worse long-term outcomes post-AMI, independent of access and barriers to care.

Financial Impact of Colorectal Cancer and Its Consequences: Associations Between Cancer-Related Financial Stress and Strain and Health-Related Quality of Life.

Science.gov (United States)

Sharp, Linda; O'Leary, Eamonn; O'Ceilleachair, Alan; Skally, Mairead; Hanly, Paul

2018-01-01

The financial impact and consequences of cancer on the lives of survivors remain poorly understood. This is especially true for colorectal cancer. We investigated objective cancer-related financial stress, subjective cancer-related financial strain, and their association with health-related quality of life in colorectal cancer survivors. This was a cross-sectional postal survey. The study was conducted in Ireland, which has a mixed public-private healthcare system. Colorectal cancer survivors, diagnosed 6 to 37 months prior, were identified from the population-based National Cancer Registry. Cancer-related financial stress was assessed as impact of cancer on household ability to make ends meet and cancer-related financial strain by feelings about household financial situation since cancer diagnosis. Health-related quality of life was based on European Organisation for Research and Treatment of Cancer QLQ-C30 global health status. Logistic regression was used to identify associations between financial stress and strain and low health-related quality of life (lowest quartile, score ≤50). A total of 493 survivors participated. Overall, 41% reported cancer-related financial stress and 39% cancer-related financial strain; 32% reported both financial stress and financial strain. After adjustment for sociodemographic and clinical variables, the odds of low health-related quality of life were significantly higher in those who reported cancer-related financial stress postdiagnosis compared with those who reported no change in financial stress postcancer (OR = 2.54 (95% CI, 1.62-3.99)). The odds of low health-related quality of life were also significantly higher in those with worse financial strain postdiagnosis (OR =1.73 (95% CI, 1.09-2.72)). The OR for those with both cancer-related financial stress and financial strain was 2.59 (95% CI, 1.59-4.22). Survey responders were younger, on average, than nonresponders. Responders and nonresponders may have differed in cancer

Sound Exposure of Symphony Orchestra Musicians

DEFF Research Database (Denmark)

Schmidt, Jesper Hvass; Pedersen, Ellen Raben; Juhl, Peter Møller

2011-01-01

dBA and their left ear was exposed 4.6 dB more than the right ear. Percussionists were exposed to high sound peaks >115 dBC but less continuous sound exposure was observed in this group. Musicians were exposed up to LAeq8h of 92 dB and a majority of musicians were exposed to sound levels exceeding......Background: Assessment of sound exposure by noise dosimetry can be challenging especially when measuring the exposure of classical orchestra musicians where sound originate from many different instruments. A new measurement method of bilateral sound exposure of classical musicians was developed...... and used to characterize sound exposure of the left and right ear simultaneously in two different symphony orchestras.Objectives: To measure binaural sound exposure of professional classical musicians and to identify possible exposure risk factors of specific musicians.Methods: Sound exposure was measured...

Atmospheric limb sounding with imaging FTS

Science.gov (United States)

Friedl-Vallon, Felix; Riese, Martin; Preusse, Peter; Oelhaf, Hermann; Fischer, Herbert

Imaging Fourier transform spectrometers in the thermal infrared are a promising new class of sensors for atmospheric science. The availability of fast and sensitive large focal plane arrays with appropriate spectral coverage in the infrared region allows the conception and construction of innovative sensors for Nadir and Limb geometry. Instruments in Nadir geometry have already reached prototype status (e.g. Geostationary Imaging Fourier Transform Spectrometer / U. Wisconsin and NASA) or are in Phase A study (infrared sounding mission on Meteosat third generation / ESA and EUMETSAT). The first application of the new technical possibilities to atmospheric limb sounding from space, the Imaging Michelson Interferometer for Passive Atmospheric Sounding (IMIPAS), is currently studied by industry in the context of preparatory work for the next set of ESA earth explorers. The scientific focus of the instrument is on the processes controlling the composition of the mid/upper troposphere and lower stratosphere. The instrument concept of IMIPAS has been conceived at the research centres Karlsruhe and J¨lich. The development of a precursor instrument (GLORIA-AB) at these research institutions u started already in 2005. The instrument will be able to fly on board of various airborne platforms. First scientific missions are planned for the second half of the year 2009 on board the new German research aircraft HALO. This airborne sensor serves its own scientific purpose, but it also provides a test bed to learn about this new instrument class and its peculiarities and to learn to exploit and interpret the wealth of information provided by a limb imaging IR Fourier transform spectrometer. The presentation will discuss design considerations and challenges for GLORIA-AB and put them in the context of the planned satellite application. It will describe the solutions found, present first laboratory figures of merit for the prototype instrument and outline the new scientific

Letter-Sound Reading: Teaching Preschool Children Print-to-Sound Processing

Science.gov (United States)

Wolf, Gail Marie

2016-01-01

This intervention study investigated the growth of letter sound reading and growth of consonant-vowel-consonant (CVC) word decoding abilities for a representative sample of 41 US children in preschool settings. Specifically, the study evaluated the effectiveness of a 3-step letter-sound teaching intervention in teaching preschool children to…

Financial satisfaction and financial stressors in marital satisfaction.

Science.gov (United States)

Archuleta, Kristy L; Britt, Sonya L; Tonn, Teresa J; Grable, John E

2011-04-01

Using a sample of 310 married respondents from one U.S. Midwestern state, a test was conducted to examine the association of financial satisfaction and financial stressors in a spouse's decision to stay married to the same person or leave the relationship. The role of demographic and socioeconomic variables, religiosity, psychological constructs, financial satisfaction, and financial stressors as factors influencing marital satisfaction was tested. Financial stressors were measured using a list of financial stressors adapted from the literature. Financial satisfaction was measured with a one-item scale. The Kansas Marital Satisfaction Scale was used as a validation tool to assess whether individuals would marry or not marry again. Religiosity and financial satisfaction were positively associated with marital satisfaction. A negative interaction between financial satisfaction and financial stressors was also noted. Findings suggest that respondents who are financially satisfied tend to be more stable in their marriages.

The Role of Urban Financial Centers within the Economy of Global Cities

Directory of Open Access Journals (Sweden)

Oana Mionel

2014-06-01

Full Text Available Nowadays, there is no doubt that state economy refers to city economy. In other words, the most part of a state‘s GDP is given by the urban environment, especially by capitals, which are often the economic engine of this environment. There are also cities having great economic importance abroad, beyond the state and even continental borders. These are the so-called global cities where the financial activities play an important role. There are a few cities (New York, London, Hong Kong etc. centering financial activities which are influential for large geographic areas. This research highlights the importance of the financial sector within urban economy and, subsequently, how it consolidates the status of global city. These cities are the engine of the international financial system as they host the headquarters of the most important and famous international stock exchange markets, financial supervision institutions, law firms and consulting companies.

Modelling Hyperboloid Sound Scattering

DEFF Research Database (Denmark)

Burry, Jane; Davis, Daniel; Peters, Brady

2011-01-01

The Responsive Acoustic Surfaces workshop project described here sought new understandings about the interaction between geometry and sound in the arena of sound scattering. This paper reports on the challenges associated with modelling, simulating, fabricating and measuring this phenomenon using...... both physical and digital models at three distinct scales. The results suggest hyperboloid geometry, while difficult to fabricate, facilitates sound scattering....

The influence of ski helmets on sound perception and sound localisation on the ski slope

Directory of Open Access Journals (Sweden)

Lana Ružić

2015-04-01

Full Text Available Objectives: The aim of the study was to investigate whether a ski helmet interferes with the sound localization and the time of sound perception in the frontal plane. Material and Methods: Twenty-three participants (age 30.7±10.2 were tested on the slope in 2 conditions, with and without wearing the ski helmet, by 6 different spatially distributed sound stimuli per each condition. Each of the subjects had to react when hearing the sound as soon as possible and to signalize the correct side of the sound arrival. Results: The results showed a significant difference in the ability to localize the specific ski sounds; 72.5±15.6% of correct answers without a helmet vs. 61.3±16.2% with a helmet (p < 0.01. However, the performance on this test did not depend on whether they were used to wearing a helmet (p = 0.89. In identifying the timing, at which the sound was firstly perceived, the results were also in favor of the subjects not wearing a helmet. The subjects reported hearing the ski sound clues at 73.4±5.56 m without a helmet vs. 60.29±6.34 m with a helmet (p < 0.001. In that case the results did depend on previously used helmets (p < 0.05, meaning that that regular usage of helmets might help to diminish the attenuation of the sound identification that occurs because of the helmets. Conclusions: Ski helmets might limit the ability of a skier to localize the direction of the sounds of danger and might interfere with the moment, in which the sound is firstly heard.

77 FR 37318 - Eighth Coast Guard District Annual Safety Zones; Sound of Independence; Santa Rosa Sound; Fort...

Science.gov (United States)

2012-06-21

...-AA00 Eighth Coast Guard District Annual Safety Zones; Sound of Independence; Santa Rosa Sound; Fort... Coast Guard will enforce a Safety Zone for the Sound of Independence event in the Santa Rosa Sound, Fort... during the Sound of Independence. During the enforcement period, entry into, transiting or anchoring in...

Linkages between financial development, financial instability, financial liberalisation and economic growth in Africa

OpenAIRE

Enowbi Batuo, M.; Mlambo, Kupukile; Asongu, Simplice

2017-01-01

In the aftermath of the 2008 global financial crisis, the implications of financial liberalisation for stability and economic growth has come under increased scrutiny. One strand of literature posits a positive relationship between financial liberalisation and economic growth and development. However, others emphasise the link between financial liberalisation is intrinsically associated with financial instability which may be harmful to economic growth and development. This study assesses ...

Material sound source localization through headphones

Science.gov (United States)

Dunai, Larisa; Peris-Fajarnes, Guillermo; Lengua, Ismael Lengua; Montaña, Ignacio Tortajada

2012-09-01

In the present paper a study of sound localization is carried out, considering two different sounds emitted from different hit materials (wood and bongo) as well as a Delta sound. The motivation of this research is to study how humans localize sounds coming from different materials, with the purpose of a future implementation of the acoustic sounds with better localization features in navigation aid systems or training audio-games suited for blind people. Wood and bongo sounds are recorded after hitting two objects made of these materials. Afterwards, they are analysed and processed. On the other hand, the Delta sound (click) is generated by using the Adobe Audition software, considering a frequency of 44.1 kHz. All sounds are analysed and convolved with previously measured non-individual Head-Related Transfer Functions both for an anechoic environment and for an environment with reverberation. The First Choice method is used in this experiment. Subjects are asked to localize the source position of the sound listened through the headphones, by using a graphic user interface. The analyses of the recorded data reveal that no significant differences are obtained either when considering the nature of the sounds (wood, bongo, Delta) or their environmental context (with or without reverberation). The localization accuracies for the anechoic sounds are: wood 90.19%, bongo 92.96% and Delta sound 89.59%, whereas for the sounds with reverberation the results are: wood 90.59%, bongo 92.63% and Delta sound 90.91%. According to these data, we can conclude that even when considering the reverberation effect, the localization accuracy does not significantly increase.

FINANCIAL INCLUSION: A PRELUDE TO ECONOMIC STATUS OF VULNERABLE GROUP

OpenAIRE

Dr. Mukesh Kumar Sharma

2016-01-01

India is a country where a sizeable amount of population lives in rural areas. They are engaged in agriculture and allied activities. Most of the people living in rural areas are poor. They do not have any access to the banks. The awareness and access of the poor to the banking services is important for the alleviation of the poverty. Their access to the banking services will contribute a lot to the growth and development of our country’s economy. Financial inclusion is a great weapon to over...

Sound classification of dwellings in the Nordic countries – Differences and similarities between the five national schemes

DEFF Research Database (Denmark)

Rasmussen, Birgit

2012-01-01

having several similarities. In 2012, status is that number and denotations of classes for dwellings are identical in the Nordic countries, but the structures of the standards and several details are quite different. Also the issues dealt with are different. Examples of differences are sound insulation...... for classification of such buildings. This paper presents and compares the main class criteria for sound insulation of dwellings and summarizes differences and similarities in criteria and in structures of standards. Classification schemes for dwellings also exist in several other countries in Europe......In all five Nordic countries, sound classification schemes for dwellings have been published in national standards being implemented and revised gradually since the late 1990s. The national classification criteria for dwellings originate from a common Nordic INSTA-B proposal from the 1990s, thus...

Waveform analysis of sound

CERN Document Server

Tohyama, Mikio

2015-01-01

What is this sound? What does that sound indicate? These are two questions frequently heard in daily conversation. Sound results from the vibrations of elastic media and in daily life provides informative signals of events happening in the surrounding environment. In interpreting auditory sensations, the human ear seems particularly good at extracting the signal signatures from sound waves. Although exploring auditory processing schemes may be beyond our capabilities, source signature analysis is a very attractive area in which signal-processing schemes can be developed using mathematical expressions. This book is inspired by such processing schemes and is oriented to signature analysis of waveforms. Most of the examples in the book are taken from data of sound and vibrations; however, the methods and theories are mostly formulated using mathematical expressions rather than by acoustical interpretation. This book might therefore be attractive and informative for scientists, engineers, researchers, and graduat...

Financial Literacy and Financial Planning in France

Directory of Open Access Journals (Sweden)

Luc Arrondel

2013-07-01

Full Text Available We study financial literacy in France using the PATER survey and following the Lusardi and Mitchell (2011c approach. We find that some subpopulations are less financially literate than others: women, young and old people as well as less-educated people are more likely to face difficulties when dealing with fundamental financial concepts such as risk diversification and inflation and interest compounding. We also find some differences in financial knowledge depending on the political opinion of the respondents. Finally we show that these differences in financial knowledge are correlated with differences in the propensity to plan: people who score higher on the financial literacy questions are more likely to be engaged in the preparation of a clearly defined financial plan.

Sound Settlements

DEFF Research Database (Denmark)

Mortensen, Peder Duelund; Hornyanszky, Elisabeth Dalholm; Larsen, Jacob Norvig

2013-01-01

Præsentation af projektresultater fra Interreg forskningen Sound Settlements om udvikling af bæredygtighed i det almene boligbyggerier i København, Malmø, Helsingborg og Lund samt europæiske eksempler på best practice......Præsentation af projektresultater fra Interreg forskningen Sound Settlements om udvikling af bæredygtighed i det almene boligbyggerier i København, Malmø, Helsingborg og Lund samt europæiske eksempler på best practice...

Corporate Investments in Asian Emerging Markets: Financial Conditions, Financial Development, and Financial Constraints

OpenAIRE

Wang, Jianxin; Gochoco-Bautista, Maria Socorro; Sotocinal, Noli

2013-01-01

Motivated by the literature on the finance–growth nexus, this paper explores the mechanisms through which finance affects corporate investments and capital accumulation. We separate the effects of financial conditions from those of financial development. Based on a sample of firms from five Asian emerging economies, we find that (1) financial conditions and financial development affect corporate investments through different channels. Financial conditions affect firms' growth opportunities an...

Sounds of silence: How to animate virtual worlds with sound

Science.gov (United States)

Astheimer, Peter

1993-01-01

Sounds are an integral and sometimes annoying part of our daily life. Virtual worlds which imitate natural environments gain a lot of authenticity from fast, high quality visualization combined with sound effects. Sounds help to increase the degree of immersion for human dwellers in imaginary worlds significantly. The virtual reality toolkit of IGD (Institute for Computer Graphics) features a broad range of standard visual and advanced real-time audio components which interpret an object-oriented definition of the scene. The virtual reality system 'Virtual Design' realized with the toolkit enables the designer of virtual worlds to create a true audiovisual environment. Several examples on video demonstrate the usage of the audio features in Virtual Design.

Measuring financial toxicity as a clinically relevant patient-reported outcome: The validation of the COmprehensive Score for financial Toxicity (COST).

Science.gov (United States)

de Souza, Jonas A; Yap, Bonnie J; Wroblewski, Kristen; Blinder, Victoria; Araújo, Fabiana S; Hlubocky, Fay J; Nicholas, Lauren H; O'Connor, Jeremy M; Brockstein, Bruce; Ratain, Mark J; Daugherty, Christopher K; Cella, David

2017-02-01

Cancer and its treatment lead to increased financial distress for patients. To the authors' knowledge, to date, no standardized patient-reported outcome measure has been validated to assess this distress. Patients with AJCC Stage IV solid tumors receiving chemotherapy for at least 2 months were recruited. Financial toxicity was measured by the COmprehensive Score for financial Toxicity (COST) measure. The authors collected data regarding patient characteristics, clinical trial participation, health care use, willingness to discuss costs, psychological distress (Brief Profile of Mood States [POMS]), and health-related quality of life (HRQOL) as measured by the Functional Assessment of Cancer Therapy: General (FACT-G) and the European Organization for Research and Treatment of Cancer (EORTC) QOL questionnaires. Test-retest reliability, internal consistency, and validity of the COST measure were assessed using standard-scale construction techniques. Associations between the resulting factors and other variables were assessed using multivariable analyses. A total of 375 patients with advanced cancer were approached, 233 of whom (62.1%) agreed to participate. The COST measure demonstrated high internal consistency and test-retest reliability. Factor analyses revealed a coherent, single, latent variable (financial toxicity). COST values were found to be correlated with income (correlation coefficient [r] = 0.28; Pfinancial toxicity were race (P = .04), employment status (Pcosts was not found to be associated with the degree of financial distress (P = .49). The COST measure demonstrated reliability and validity in measuring financial toxicity. Its correlation with HRQOL indicates that financial toxicity is a clinically relevant patient-centered outcome. Cancer 2017;123:476-484. © 2016 American Cancer Society. © 2016 The Authors. Cancer published by Wiley Periodicals, Inc. on behalf of American Cancer Society.

FINANCIAL LITERACY AMONG UNIVERSITY STUDENTS: EMPIRICAL EVIDENCE FROM INDONESIA

Directory of Open Access Journals (Sweden)

I Wayan Nuka Lantara

2015-09-01

Full Text Available This study investigates the level of financial literacy among undergraduate and graduate students. The study also examines the association between the students’ demographic factors and their financial literacy rate. Data were collected by distributing 800 questionnaires to undergraduate and graduate students of Gadjah Mada University, Indonesia, covering cross educational majors, ages, gender, education levels, marital status, income, and work experience. Out of the sample, a total of 348 respondents returned completed questionnaires, which gave a response rate of 43.5 percent. The findings show that on average 45.39 percent of the respondents answered the questions correctly, which is relatively low compared to what other studies found in other countries, such as Chen and Volpe (1998 in the US (52.87 percent, or Beal and Delpachitra (2003 in Australia (53 percent. It also seems that male students, students with economics and business majors, those with higher incomes, and more work experience have a higher financial literacy rate. Using probit and tobit regression tests, the study revealed that education levels and academic disciplines are positively associated with the financial literacy rate.

How Pleasant Sounds Promote and Annoying Sounds Impede Health: A Cognitive Approach

Directory of Open Access Journals (Sweden)

Tjeerd C. Andringa

2013-04-01

Full Text Available This theoretical paper addresses the cognitive functions via which quiet and in general pleasurable sounds promote and annoying sounds impede health. The article comprises a literature analysis and an interpretation of how the bidirectional influence of appraising the environment and the feelings of the perceiver can be understood in terms of core affect and motivation. This conceptual basis allows the formulation of a detailed cognitive model describing how sonic content, related to indicators of safety and danger, either allows full freedom over mind-states or forces the activation of a vigilance function with associated arousal. The model leads to a number of detailed predictions that can be used to provide existing soundscape approaches with a solid cognitive science foundation that may lead to novel approaches to soundscape design. These will take into account that louder sounds typically contribute to distal situational awareness while subtle environmental sounds provide proximal situational awareness. The role of safety indicators, mediated by proximal situational awareness and subtle sounds, should become more important in future soundscape research.

Sound synthesis and evaluation of interactive footsteps and environmental sounds rendering for virtual reality applications.

Science.gov (United States)

Nordahl, Rolf; Turchet, Luca; Serafin, Stefania

2011-09-01

We propose a system that affords real-time sound synthesis of footsteps on different materials. The system is based on microphones, which detect real footstep sounds from subjects, from which the ground reaction force (GRF) is estimated. Such GRF is used to control a sound synthesis engine based on physical models. Two experiments were conducted. In the first experiment, the ability of subjects to recognize the surface they were exposed to was assessed. In the second experiment, the sound synthesis engine was enhanced with environmental sounds. Results show that, in some conditions, adding a soundscape significantly improves the recognition of the simulated environment.

Understanding Financial Statements. Financial Matters. Board Basics.

Science.gov (United States)

McCarthy, John H.; Turner, Robert M.

1998-01-01

This booklet for trustees of higher education institutions offers guidelines to help trustees understand the institution's financial statements. Individual sections describe the three major financial statements and cover topics such as: (1) standards of the Financial Accounting Standards Board; (2) the "statement of financial position,"…

It sounds good!

CERN Multimedia

CERN Bulletin

2010-01-01

Both the atmosphere and we ourselves are hit by hundreds of particles every second and yet nobody has ever heard a sound coming from these processes. Like cosmic rays, particles interacting inside the detectors at the LHC do not make any noise…unless you've decided to use the ‘sonification’ technique, in which case you might even hear the Higgs boson sound like music. Screenshot of the first page of the "LHC sound" site. A group of particle physicists, composers, software developers and artists recently got involved in the ‘LHC sound’ project to make the particles at the LHC produce music. Yes…music! The ‘sonification’ technique converts data into sound. “In this way, if you implement the right software you can get really nice music out of the particle tracks”, says Lily Asquith, a member of the ATLAS collaboration and one of the initiators of the project. The ‘LHC...

Musical Sound, Instruments, and Equipment

Science.gov (United States)

Photinos, Panos

2017-12-01

'Musical Sound, Instruments, and Equipment' offers a basic understanding of sound, musical instruments and music equipment, geared towards a general audience and non-science majors. The book begins with an introduction of the fundamental properties of sound waves, and the perception of the characteristics of sound. The relation between intensity and loudness, and the relation between frequency and pitch are discussed. The basics of propagation of sound waves, and the interaction of sound waves with objects and structures of various sizes are introduced. Standing waves, harmonics and resonance are explained in simple terms, using graphics that provide a visual understanding. The development is focused on musical instruments and acoustics. The construction of musical scales and the frequency relations are reviewed and applied in the description of musical instruments. The frequency spectrum of selected instruments is explored using freely available sound analysis software. Sound amplification and sound recording, including analog and digital approaches, are discussed in two separate chapters. The book concludes with a chapter on acoustics, the physical factors that affect the quality of the music experience, and practical ways to improve the acoustics at home or small recording studios. A brief technical section is provided at the end of each chapter, where the interested reader can find the relevant physics and sample calculations. These quantitative sections can be skipped without affecting the comprehension of the basic material. Questions are provided to test the reader's understanding of the material. Answers are given in the appendix.

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...

Sound Velocity in Soap Foams

International Nuclear Information System (INIS)

Wu Gong-Tao; Lü Yong-Jun; Liu Peng-Fei; Li Yi-Ning; Shi Qing-Fan

2012-01-01

The velocity of sound in soap foams at high gas volume fractions is experimentally studied by using the time difference method. It is found that the sound velocities increase with increasing bubble diameter, and asymptotically approach to the value in air when the diameter is larger than 12.5 mm. We propose a simple theoretical model for the sound propagation in a disordered foam. In this model, the attenuation of a sound wave due to the scattering of the bubble wall is equivalently described as the effect of an additional length. This simplicity reasonably reproduces the sound velocity in foams and the predicted results are in good agreement with the experiments. Further measurements indicate that the increase of frequency markedly slows down the sound velocity, whereas the latter does not display a strong dependence on the solution concentration

Political economy of the US financial crisis 2007-2009

Directory of Open Access Journals (Sweden)

Vuk Vuković

2011-03-01

Full Text Available The emphasis of this paper is on the political economy of the subprime mortgage crisis in the United States and how the policy makers contributed to it through their legislation and regulations, made under the rising influence of interest groups and the lobbying activities of the finance industry. The “Great Recession” of 2007-2009 began as a bubble-burst in the mortgage market in the United States that spilled over to the entire financial market of the US, and afterwards to the integrated world financial market. The crisis sprang up over the US real sector and, due to the decline in US aggregate demand, spread consequently to the real economy of the rest of the World. No sound evidence has been given for the publicly proclaimed idea that the causes of the crisis lie within the self-regulating free market. The causes of the crisis lie primarily in the activities of political power, i.e. in the extensive government regulation which has, under the strong influence of interest groups and the lobbying power of financial corporations, led to favouritism in macroeconomic policies and inefficient resource allocation. Regulation was enforced by stimulating affordable housing through government sponsored enterprises, oligopoly of the rating agencies, banking regulation and an increasing connection between government and the finance industry.

OMNIDIRECTIONAL SOUND SOURCE

DEFF Research Database (Denmark)

1996-01-01

A sound source comprising a loudspeaker (6) and a hollow coupler (4) with an open inlet which communicates with and is closed by the loudspeaker (6) and an open outlet, said coupler (4) comprising rigid walls which cannot respond to the sound pressures produced by the loudspeaker (6). According...

The velocity of sound

International Nuclear Information System (INIS)

Beyer, R.T.

1985-01-01

The paper reviews the work carried out on the velocity of sound in liquid alkali metals. The experimental methods to determine the velocity measurements are described. Tables are presented of reported data on the velocity of sound in lithium, sodium, potassium, rubidium and caesium. A formula is given for alkali metals, in which the sound velocity is a function of shear viscosity, atomic mass and atomic volume. (U.K.)

Product sounds : Fundamentals and application

NARCIS (Netherlands)

Ozcan-Vieira, E.

2008-01-01

Products are ubiquitous, so are the sounds emitted by products. Product sounds influence our reasoning, emotional state, purchase decisions, preference, and expectations regarding the product and the product's performance. Thus, auditory experience elicited by product sounds may not be just about

Quality of Financial Policies and Financial System Stress

OpenAIRE

Udaibir S Das; Plamen Yossifov; Richard Podpiera; Dmitriy L Rozhkov

2005-01-01

In this paper, we develop multi-country indices of financial system stress and quality of financial policies and use them in regression analysis of the determinants of financial stress. We find that countries with higher quality of financial policies are better able to contain the effects of macroeconomic pressures on the overall level of stress in the financial system. They are also in a better position to ensure sustainable development of the financial system.

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 ...

Suppression of sound radiation to far field of near-field acoustic communication system using evanescent sound field

Science.gov (United States)

Fujii, Ayaka; Wakatsuki, Naoto; Mizutani, Koichi

2016-01-01

A method of suppressing sound radiation to the far field of a near-field acoustic communication system using an evanescent sound field is proposed. The amplitude of the evanescent sound field generated from an infinite vibrating plate attenuates exponentially with increasing a distance from the surface of the vibrating plate. However, a discontinuity of the sound field exists at the edge of the finite vibrating plate in practice, which broadens the wavenumber spectrum. A sound wave radiates over the evanescent sound field because of broadening of the wavenumber spectrum. Therefore, we calculated the optimum distribution of the particle velocity on the vibrating plate to reduce the broadening of the wavenumber spectrum. We focused on a window function that is utilized in the field of signal analysis for reducing the broadening of the frequency spectrum. The optimization calculation is necessary for the design of window function suitable for suppressing sound radiation and securing a spatial area for data communication. In addition, a wide frequency bandwidth is required to increase the data transmission speed. Therefore, we investigated a suitable method for calculating the sound pressure level at the far field to confirm the variation of the distribution of sound pressure level determined on the basis of the window shape and frequency. The distribution of the sound pressure level at a finite distance was in good agreement with that obtained at an infinite far field under the condition generating the evanescent sound field. Consequently, the window function was optimized by the method used to calculate the distribution of the sound pressure level at an infinite far field using the wavenumber spectrum on the vibrating plate. According to the result of comparing the distributions of the sound pressure level in the cases with and without the window function, it was confirmed that the area whose sound pressure level was reduced from the maximum level to -50 dB was

Discrimination in waiting times by insurance type and financial soundness of German acute care hospitals.

Science.gov (United States)

Schwierz, Christoph; Wübker, Achim; Wübker, Ansgar; Kuchinke, Björn A

2011-10-01

This paper shows that patients with private health insurance (PHI) are being offered significantly shorter waiting times than patients with statutory health insurance (SHI) in German acute hospital care. This behavior may be driven by the higher expected profitability of PHI relative to SHI holders. Further, we find that hospitals offering private insurees shorter waiting times when compared with SHI holders have a significantly better financial performance than those abstaining from or with less discrimination.

Financial incentive increases CPAP acceptance in patients from low socioeconomic background.

Science.gov (United States)

Tarasiuk, Ariel; Reznor, Gally; Greenberg-Dotan, Sari; Reuveni, Haim

2012-01-01

We explored whether financial incentives have a role in patients' decisions to accept (purchase) a continuous positive airway pressure (CPAP) device in a healthcare system that requires cost sharing. Longitudinal interventional study. The group receiving financial incentive (n = 137, 50.8±10.6 years, apnea/hypopnea index (AHI) 38.7±19.9 events/hr) and the control group (n = 121, 50.9±10.3 years, AHI 39.9±22) underwent attendant titration and a two-week adaptation to CPAP. Patients in the control group had a co-payment of $330-660; the financial incentive group paid a subsidized price of $55. CPAP acceptance was 43% greater (p = 0.02) in the financial incentive group. CPAP acceptance among the low socioeconomic strata (n = 113) (adjusting for age, gender, BMI, tobacco smoking) was enhanced by financial incentive (OR, 95% CI) (3.43, 1.09-10.85), age (1.1, 1.03-1.17), AHI (>30 vs. acceptance was affected by AHI (>30 vs. 30 vs. acceptance among low socioeconomic status patients. Thus, financial incentive should be applied as a policy to encourage CPAP treatment, especially among low socioeconomic strata patients.

33 CFR 334.410 - Albemarle Sound, Pamlico Sound, and adjacent waters, NC; danger zones for naval aircraft operations.

Science.gov (United States)

2010-07-01

... 33 Navigation and Navigable Waters 3 2010-07-01 2010-07-01 false Albemarle Sound, Pamlico Sound... AND RESTRICTED AREA REGULATIONS § 334.410 Albemarle Sound, Pamlico Sound, and adjacent waters, NC; danger zones for naval aircraft operations. (a) Target areas—(1) North Landing River (Currituck Sound...

75 FR 22276 - Endangered and Threatened Wildlife and Plants: Threatened Status for the Puget Sound/Georgia...

Science.gov (United States)

2010-04-28

... Sound/ Georgia Basin DPS designation. Comment 2: One reviewer stated that the genetic data from other... finding of discreteness was questionable for each species given the lack of genetic data. One of the.... Response: While we lack genetic data for yelloweye rockfish, canary rockfish and bocaccio within each DPS...

Simulation of Sound Waves Using the Lattice Boltzmann Method for Fluid Flow: Benchmark Cases for Outdoor Sound Propagation.

Science.gov (United States)

Salomons, Erik M; Lohman, Walter J A; Zhou, Han

2016-01-01

Propagation of sound waves in air can be considered as a special case of fluid dynamics. Consequently, the lattice Boltzmann method (LBM) for fluid flow can be used for simulating sound propagation. In this article application of the LBM to sound propagation is illustrated for various cases: free-field propagation, propagation over porous and non-porous ground, propagation over a noise barrier, and propagation in an atmosphere with wind. LBM results are compared with solutions of the equations of acoustics. It is found that the LBM works well for sound waves, but dissipation of sound waves with the LBM is generally much larger than real dissipation of sound waves in air. To circumvent this problem it is proposed here to use the LBM for assessing the excess sound level, i.e. the difference between the sound level and the free-field sound level. The effect of dissipation on the excess sound level is much smaller than the effect on the sound level, so the LBM can be used to estimate the excess sound level for a non-dissipative atmosphere, which is a useful quantity in atmospheric acoustics. To reduce dissipation in an LBM simulation two approaches are considered: i) reduction of the kinematic viscosity and ii) reduction of the lattice spacing.

The Usefulness of Financial Statements in Making Financial Diagnosis

Directory of Open Access Journals (Sweden)

Mitica Pepi

2016-01-01

Full Text Available 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 depends on the quality, accuracy, relevance and effectiveness of economic information collected and processed. The primary sources of information for financial analysis are the financial statements, which are considered as raw material in the analysis.

Sounding out the logo shot

OpenAIRE

Nicolai Jørgensgaard Graakjær

2013-01-01

This article focuses on how sound in combination with visuals (i.e. ‘branding by’) may possibly affect the signifying potentials (i.e. ‘branding effect’) of products and corporate brands (i.e. ‘branding of’) during logo shots in television commercials (i.e. ‘branding through’). This particular focus adds both to the understanding of sound in television commercials and to the understanding of sound brands. The article firstly presents a typology of sounds. Secondly, this typology is applied...

Sound intensity

DEFF Research Database (Denmark)

Crocker, Malcolm J.; Jacobsen, Finn

1998-01-01

This chapter is an overview, intended for readers with no special knowledge about this particular topic. The chapter deals with all aspects of sound intensity and its measurement from the fundamental theoretical background to practical applications of the measurement technique.......This chapter is an overview, intended for readers with no special knowledge about this particular topic. The chapter deals with all aspects of sound intensity and its measurement from the fundamental theoretical background to practical applications of the measurement technique....

Sound Intensity

DEFF Research Database (Denmark)

Crocker, M.J.; Jacobsen, Finn

1997-01-01

This chapter is an overview, intended for readers with no special knowledge about this particular topic. The chapter deals with all aspects of sound intensity and its measurement from the fundamental theoretical background to practical applications of the measurement technique.......This chapter is an overview, intended for readers with no special knowledge about this particular topic. The chapter deals with all aspects of sound intensity and its measurement from the fundamental theoretical background to practical applications of the measurement technique....

SoleSound

DEFF Research Database (Denmark)

Zanotto, Damiano; Turchet, Luca; Boggs, Emily Marie

2014-01-01

This paper introduces the design of SoleSound, a wearable system designed to deliver ecological, audio-tactile, underfoot feedback. The device, which primarily targets clinical applications, uses an audio-tactile footstep synthesis engine informed by the readings of pressure and inertial sensors...... embedded in the footwear to integrate enhanced feedback modalities into the authors' previously developed instrumented footwear. The synthesis models currently implemented in the SoleSound simulate different ground surface interactions. Unlike similar devices, the system presented here is fully portable...

Sound engineering for diesel engines; Sound Engineering an Dieselmotoren

Energy Technology Data Exchange (ETDEWEB)

Enderich, A.; Fischer, R. [MAHLE Filtersysteme GmbH, Stuttgart (Germany)

2006-07-01

The strong acceptance for vehicles powered by turbo-charged diesel engines encourages several manufacturers to think about sportive diesel concepts. The approach of suppressing unpleasant noise by the application of distinctive insulation steps is not adequate to satisfy sportive needs. The acoustics cannot follow the engine's performance. This report documents, that it is possible to give diesel-powered vehicles a sportive sound characteristic by using an advanced MAHLE motor-sound-system with a pressure-resistant membrane and an integrated load controlled flap. With this the specific acoustic disadvantages of the diesel engine, like the ''diesel knock'' or a rough engine running can be masked. However, by the application of a motor-sound-system you must not negate the original character of the diesel engine concept, but accentuate its strong torque characteristic in the middle engine speed range. (orig.)

Does financial education impact financial literacy and financial behavior, and if so, when?

OpenAIRE

Kaiser, Tim; Menkhoff, Lukas

2017-01-01

A meta-analysis of 126 impact evaluation studies finds that financial education significantly impacts financial behavior and, to an even larger extent, financial literacy. These results also hold for the subsample of randomized experiments (RCTs). However, intervention impacts are highly heterogeneous: financial education is less effective for low-income clients as well as in low- and lowe...

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.

Sonic mediations: body, sound, technology

NARCIS (Netherlands)

Birdsall, C.; Enns, A.

2008-01-01

Sonic Mediations: Body, Sound, Technology is a collection of original essays that represents an invaluable contribution to the burgeoning field of sound studies. While sound is often posited as having a bridging function, as a passive in-between, this volume invites readers to rethink the concept of

System for actively reducing sound

NARCIS (Netherlands)

Berkhoff, Arthur P.

2005-01-01

A system for actively reducing sound from a primary noise source, such as traffic noise, comprising: a loudspeaker connector for connecting to at least one loudspeaker for generating anti-sound for reducing said noisy sound; a microphone connector for connecting to at least a first microphone placed

Financial Stress Indices and Financial Crises

NARCIS (Netherlands)

Vermeulen, Robert; Hoeberichts, Marco; Vasicek, Borek; Zigraiova, Diana; Smidkova, Katerina; de Haan, Jakob

This paper develops a Financial Stress Index (FSI) for 28 OECD countries and examines its relationship to crises using a novel database for financial crises. A stress index measures the current state of stress in the financial system and summarizes it in a single statistic. Our results suggest that

Analyzing the Methods of Forecasting Bankruptcy and Assessing the Financial Status of Domestic Enterprises (on the Example of PAO «Chernivtsi Fat-and-Oil Plant»

Directory of Open Access Journals (Sweden)

Kovalchuk Natalia О.

2018-01-01

Full Text Available The article is aimed at studying both foreign and national methods of determining the likelihood of bankruptcy of an enterprise, identifying their main advantages and disadvantages together with the possibility of using in the practice of domestic enterprises, and also determining the necessity of application in the enterprise of these methods for efficient functioning. As a result of research of the financial status of the PAO «Chernivtsi fat-and-oil plant» according to the methods of Tereshchenko, Taffler and Tisshou, Altman, Springate, Sayfullin and Kadykov, it has been found that among the existing models of forecasting bankruptcy there is no methodology presently that can provide reliable results for domestic enterprises. This means the relevance of this topic for a comprehensive research and detection of such methods of assessment of bankruptcy of enterprise. Use of the most optimal model for definition of bankruptcy can be effective in order to evaluate financial activity to prevent an enterprise from entering the group of the insolvent ones.

Financial Analysis of the Financial Institutions Sector in Kosovo

Directory of Open Access Journals (Sweden)

Vlora Prenaj

2015-12-01

Full Text Available Paper work “Financial analysis of the financial institutions sector in Kosovo” treats financial sector in Kosovo. Paper work contains the current position of the economy, economic prospects and macroeconomic projections for the financial sector in Kosovo, future potential and possibilities of financial sector in Kosovo. The main goal of this research is financial analysis of Kosovo financial institutions sector - overview of key indicators. This research evaluates the performances of commercial bank’s profitability, which have operated in the market during the period 2006-2012. This research is conducted through financial analysis coefficients: Return on Equity, Return on assets and Cost to Income. Test t-Student is used to analyze the profitability for the period 2006/2007 before the financial crisis and the period 2011/2012 after financial crisis.

The Influence of Environmental and Social Performance on Financial Performance: Evidence from Romania’s Listed Entities

Directory of Open Access Journals (Sweden)

Elena Dobre

2015-03-01

Full Text Available Companies that are listed on a stock exchange should know that reporting only financial measures is not enough for ensuring sustainable development. To be truly competitive, they should also include information about environmental policies and about the benefits that the company offers to its employees. The present research aims to provide information on how Romanian listed companies report environmental and social indicators and whether or not this has an impact on financial performance. We used a four time period panel fixed effect model for Romanian companies that are listed in the first category of the Bucharest Stock of Exchange. The results point out that increasing water, air and soil protection has a negative impact on current return on equity, while no effects were detected on return on assets and stock market returns. Other environmental variables such as gas, energy or sound were found not to be statistically significant. Training and benefits after retirement have a mixed effect on financial measures. The research correlates Romanian accounting regulation changes with companies’ characteristics and the influence of financial audit on financial performance, and concludes that increasing environmental and social protection could have an impact on financial performance in the long run, as positive correlation was detected between social or environmental performance and stock market returns one year after the changes occurred.

Modeling financial disaster risk management in developing countries

Science.gov (United States)

Mechler, R.; Hochrainer, S.; Pflug, G.; Linnerooth-Bayer, J.

2005-12-01

The public sector plays a major role in reducing the long-term economic repercussions of disasters by repairing damaged infrastructure and providing financial assistance to households and businesses. If critical infrastructure is not repaired in a timely manner, there can be serious effects on the economy and the livelihoods of the population. The repair of public infrastructure, however, can be a significant drain on public budgets especially in developing and transition countries. Developing country governments frequently lack the liquidity, even including international aid and loans, to fully repair damaged critical public infrastructure or provide sufficient support to households and businesses for their recovery. The earthquake in Gujarat, and other recent cases of government post-disaster liquidity crises, have sounded an alarm, prompting financial development organizations, such as the World Bank, among others, to call for greater attention to reducing financial vulnerability and increasing the resilience of the public sector. This talk reports on a model designed to illustrate the tradeoffs and choices a developing country must make in financially managing the economic risks due to natural disasters. Budgetary resources allocated to pre-disaster risk management strategies, such as loss mitigation measures, a catastrophe reserve fund, insurance and contingent credit arrangements for public assets, reduce the probability of financing gaps - the inability of governments to meet their full obligations in providing relief to private victims and restoring public infrastructure - or prevent the deterioration of the ability to undertake additional borrowing without incurring a debt crisis. The model -which is equipped with a graphical interface - can be a helpful tool for building capacity of policy makers for developing and assessing public financing strategies for disaster risk by indicating the respective costs and consequences of financing alternatives.

Measuring the 'complexity'of sound

Indian Academy of Sciences (India)

Sounds in the natural environment form an important class of biologically relevant nonstationary signals. We propose a dynamic spectral measure to characterize the spectral dynamics of such non-stationary sound signals and classify them based on rate of change of spectral dynamics. We categorize sounds with slowly ...

Promoting environmentally sound management of polybrominated diphenyl ethers in Asia.

Science.gov (United States)

Li, Jinhui; Zhao, Nana; Liu, Xue; Wu, Xiaoyang

2014-06-01

Polybrominated diphenyl ethers with persistent organic pollutant properties are required to be controlled by the Stockholm Convention. Recently, polybrominated diphenyl ether contamination has become widespread in Asia, mainly because of the disposal and recycling processes of polybrominated diphenyl ether-containing wastes. The management status, production, usage, import/export, treatment, and disposal, as well as implementation deficiencies for the environmentally sound management of polybrominated diphenyl ethers and polybrominated diphenyl ether-containing materials in ten Asian countries were investigated and assessed in this study. This information could help the participating countries implement the Stockholm Convention and could promote the regional environmentally sound management of polybrominated diphenyl ether-containing articles and products. The results obtained were as follows. (1) Most of the countries studied lacked environmental policies and regulations, or even standards of polybrominated diphenyl ether pollution management and emission control actions. Accurate data on the consumption and importation of polybrominated diphenyl ether-containing materials, however, were not available for all the participating countries. In addition, there were no special treatment or disposal systems for polybrominated diphenyl ether-containing materials, or emission-cutting measures for the treatment of waste in these countries, owing to the lack of sufficient funding or technologies. (2) The improper dismantling of e-waste is a major source of polybrominated diphenyl ether emissions in these countries. (3) Proper e-waste management could result in a breakthrough in the environmentally sound management of this major polybrominated diphenyl ether-containing material flow, and could significantly reduce polybrominated diphenyl ether emissions. Finally, based on the study results, this article puts forward some recommendations for improving the environmentally

Controlling sound with acoustic metamaterials

DEFF Research Database (Denmark)

Cummer, Steven A. ; Christensen, Johan; Alù, Andrea

2016-01-01

Acoustic metamaterials can manipulate and control sound waves in ways that are not possible in conventional materials. Metamaterials with zero, or even negative, refractive index for sound offer new possibilities for acoustic imaging and for the control of sound at subwavelength scales....... The combination of transformation acoustics theory and highly anisotropic acoustic metamaterials enables precise control over the deformation of sound fields, which can be used, for example, to hide or cloak objects from incident acoustic energy. Active acoustic metamaterials use external control to create......-scale metamaterial structures and converting laboratory experiments into useful devices. In this Review, we outline the designs and properties of materials with unusual acoustic parameters (for example, negative refractive index), discuss examples of extreme manipulation of sound and, finally, provide an overview...

Foreign Strategic Investment and China’s Financial Security

Institute of Scientific and Technical Information of China (English)

朱盈盈; 曾勇; 李平; 何佳

2008-01-01

We analyze the background, status quo and characteristics of introducing foreign strategic investors into Chinese banks, and summarize various arguments on this issue. Our conclusions are as follows: introducing foreign strategic investors into Chinese banks is a necessary step in the reform and opening of China’s banking sector, and is encouraged by the regulatory authorities; introducing foreign strategic investors into Chinese banks has presented some unique features; from the perspective of control of financial resources, under the current institutional and legal regimes, introducing foreign strategic investors will not threaten China’s financial security; there is no convincing evidence that Chinese banks have been sold short with the introduction of foreign strategic investors; the results of strategic investment remain to be seen.

Money is Brain: Financial Barriers and Consequences for Canadian Stroke Patients.

Science.gov (United States)

Ganesh, Aravind; King-Shier, Kathryn; Manns, Braden J; Hill, Michael D; Campbell, David J T

2017-03-01

Stroke patients of lower socioeconomic status have worse outcomes. It remains poorly understood whether this is due to illness severity or personal or health system barriers. We explored the experiences of stroke patients with financial barriers in a qualitative descriptive pilot study, seeking to capture perceived challenges that interfere with their poststroke health and recovery. We interviewed six adults with a history of stroke and financial barriers in Alberta, Canada, inquiring about their: (1) experiences after stroke; (2) experience of financial barriers; (3) perceived reasons for financial barriers; (4) health consequences of financial barriers; and (5) mechanisms for coping with financial barriers. Two reviewers analyzed data using inductive thematic analysis. The participants developed new or worsened financial circumstances as a consequence of stroke-related disability. Poststroke impairments and financial barriers took a toll on their mental health. They struggled to access several aspects of long-term poststroke care, including allied health professional services, medications, and proper nutrition. They described opportunity costs and tradeoffs when accessing health services. In several cases, they were unaware of health resources available to them and were hesitant to disclose their struggles to their physicians and even their families. Some patients with financial barriers perceive challenges to accessing various aspects of poststroke care. They may have inadequate knowledge of resources available to them and may not disclose their concerns to their health care team. This suggests that providers themselves might consider asking stroke patients about financial barriers to optimize their long-term poststroke care.

Sound intensity as a function of sound insulation partition

OpenAIRE

Cvetkovic , S.; Prascevic , R.

1994-01-01

In the modern engineering practice, the sound insulation of the partitions is the synthesis of the theory and of the experience acquired in the procedure of the field and of the laboratory measurement. The science and research public treat the sound insulation in the context of the emission and propagation of the acoustic energy in the media with the different acoustics impedance. In this paper, starting from the essence of physical concept of the intensity as the energy vector, the authors g...

Financial Economy and Financial System: Basis of Structural Interconnection

Directory of Open Access Journals (Sweden)

Khorosheva Olena I.

2014-02-01

Full Text Available The goal of the article lies in identification of grounds of interconnection of the financial economy and financial system. The study was conducted with consideration of main provisions of the theory of finance and concept of financial economy, which is a set of means used in the process of reproduction of finance by their owner for formation and / or maintenance of the own system of values in the viable state. For the first time ever the structure of the financial system is identified as an aggregate of financial economies and financial market. The article justifies a necessity of expansion of boundaries of perception of the state financial economy, which is offered to include public financial economy of the state level and the set of financial economies of the state as a subject of economic activity. Such an approach forms a base for justification of the synthesis of participation of the state in financial relations as the owner and as the basic macro-economic regulator. Prospects of further study in this direction are: development of classification of financial economies; revelation of specific features of impact of shadow finance on development of the national financial economy; and assessment of possibilities of inclusion of structured financial products into the system of values of financial economies in Ukraine.

East Asian Financial Cycles: Asian vs. Global Financial Crises

OpenAIRE

Akira Kohsaka; Jun-ichi Shinkai

2014-01-01

We examine the role of financial shocks in business cycles in general and in financial crises in particular in East Asia (Indonesia, Korea, Malaysia and Thailand) since the 1990s. Estimating a Financial Conditions Index, we found that financial shocks explain most of business downturns in all the economies in the Asian Financial Crisis (AFC) in 1997-98, but that the effects of financial shocks are diverse across economies in the Global Financial Crisis (GFC) in 2008-09. In the GFC, the financ...

FINANCIAL PRIVACY: Status of State Actions on Gramm-Leach-Bliley Act's Privacy Provisions

National Research Council Canada - National Science Library

Hillman, Richard

2002-01-01

...) of 1999 as they pertain to insurance providers. In Subtitle A of Title V of GLBA, Congress established the policy that each financial institution, which is defined to include most insurance providers or companies, has an affirmative and continuing...

Heart Sound Localization and Reduction in Tracheal Sounds by Gabor Time-Frequency Masking

OpenAIRE

SAATCI, Esra; Akan, Aydın

2018-01-01

Background and aim: Respiratorysounds, i.e. tracheal and lung sounds, have been of great interest due to theirdiagnostic values as well as the potential of their use in the estimation ofthe respiratory dynamics (mainly airflow). Thus the aim of the study is topresent a new method to filter the heart sound interference from the trachealsounds. Materials and methods: Trachealsounds and airflow signals were collected by using an accelerometer from 10 healthysubjects. Tracheal sounds were then pr...

Interactive physically-based sound simulation

Science.gov (United States)

Raghuvanshi, Nikunj

The realization of interactive, immersive virtual worlds requires the ability to present a realistic audio experience that convincingly compliments their visual rendering. Physical simulation is a natural way to achieve such realism, enabling deeply immersive virtual worlds. However, physically-based sound simulation is very computationally expensive owing to the high-frequency, transient oscillations underlying audible sounds. The increasing computational power of desktop computers has served to reduce the gap between required and available computation, and it has become possible to bridge this gap further by using a combination of algorithmic improvements that exploit the physical, as well as perceptual properties of audible sounds. My thesis is a step in this direction. My dissertation concentrates on developing real-time techniques for both sub-problems of sound simulation: synthesis and propagation. Sound synthesis is concerned with generating the sounds produced by objects due to elastic surface vibrations upon interaction with the environment, such as collisions. I present novel techniques that exploit human auditory perception to simulate scenes with hundreds of sounding objects undergoing impact and rolling in real time. Sound propagation is the complementary problem of modeling the high-order scattering and diffraction of sound in an environment as it travels from source to listener. I discuss my work on a novel numerical acoustic simulator (ARD) that is hundred times faster and consumes ten times less memory than a high-accuracy finite-difference technique, allowing acoustic simulations on previously-intractable spaces, such as a cathedral, on a desktop computer. Lastly, I present my work on interactive sound propagation that leverages my ARD simulator to render the acoustics of arbitrary static scenes for multiple moving sources and listener in real time, while accounting for scene-dependent effects such as low-pass filtering and smooth attenuation

27 CFR 9.151 - Puget Sound.

Science.gov (United States)

2010-04-01

... 27 Alcohol, Tobacco Products and Firearms 1 2010-04-01 2010-04-01 false Puget Sound. 9.151 Section... Sound. (a) Name. The name of the viticultural area described in this section is “Puget Sound.” (b) Approved maps. The appropriate maps for determining the boundary of the Puget Sound viticultural area are...

How Pleasant Sounds Promote and Annoying Sounds Impede Health : A Cognitive Approach

NARCIS (Netherlands)

Andringa, Tjeerd C.; Lanser, J. Jolie L.

2013-01-01

This theoretical paper addresses the cognitive functions via which quiet and in general pleasurable sounds promote and annoying sounds impede health. The article comprises a literature analysis and an interpretation of how the bidirectional influence of appraising the environment and the feelings of

Of Sound Mind: Mental Distress and Sound in Twentieth-Century Media Culture

NARCIS (Netherlands)

Birdsall, C.; Siewert, S.

2013-01-01

This article seeks to specify the representation of mental disturbance in sound media during the twentieth century. It engages perspectives on societal and technological change across the twentieth century as crucial for aesthetic strategies developed in radio and sound film production. The analysis

Sounds scary? Lack of habituation following the presentation of novel sounds.

Directory of Open Access Journals (Sweden)

Tine A Biedenweg

Full Text Available BACKGROUND: Animals typically show less habituation to biologically meaningful sounds than to novel signals. We might therefore expect that acoustic deterrents should be based on natural sounds. METHODOLOGY: We investigated responses by western grey kangaroos (Macropus fulignosus towards playback of natural sounds (alarm foot stomps and Australian raven (Corvus coronoides calls and artificial sounds (faux snake hiss and bull whip crack. We then increased rate of presentation to examine whether animals would habituate. Finally, we varied frequency of playback to investigate optimal rates of delivery. PRINCIPAL FINDINGS: Nine behaviors clustered into five Principal Components. PC factors 1 and 2 (animals alert or looking, or hopping and moving out of area accounted for 36% of variance. PC factor 3 (eating cessation, taking flight, movement out of area accounted for 13% of variance. Factors 4 and 5 (relaxing, grooming and walking; 12 and 11% of variation, respectively discontinued upon playback. The whip crack was most evocative; eating was reduced from 75% of time spent prior to playback to 6% following playback (post alarm stomp: 32%, raven call: 49%, hiss: 75%. Additionally, 24% of individuals took flight and moved out of area (50 m radius in response to the whip crack (foot stomp: 0%, raven call: 8% and 4%, hiss: 6%. Increasing rate of presentation (12x/min ×2 min caused 71% of animals to move out of the area. CONCLUSIONS/SIGNIFICANCE: The bull whip crack, an artificial sound, was as effective as the alarm stomp at eliciting aversive behaviors. Kangaroos did not fully habituate despite hearing the signal up to 20x/min. Highest rates of playback did not elicit the greatest responses, suggesting that 'more is not always better'. Ultimately, by utilizing both artificial and biological sounds, predictability may be masked or offset, so that habituation is delayed and more effective deterrents may be produced.

Corporate financial restructuring in Asia: implications for financial stability

OpenAIRE

Michael Pomerleano

2007-01-01

Corporate financial fragility preceding the Asian financial crisis heightened vulnerabilities. Many countries in the region undertook significant corporate financial restructuring after the crisis, with some countries bouncing back much faster than others. These sounder corporate financial practices bode well for financial stability.

FINANCIAL INFORMATION, EFFECTS OF FINANCIAL INFORMATION ON ECONOMIC DECISION

Directory of Open Access Journals (Sweden)

TAK ISA

2010-12-01

Full Text Available Financial information has, indisputably, an important effect in economics. To form an effective capital market, financial information must be reliable and accurate. Misleading financial information always has a negative impact on economic decision taken by users. It is known that financial information as the cornerstone of financial markets, can improve economic performance in several ways. Nowadays we are facing economic crisis due to irregularities of presentation of financial statements to users. Misunderstandings cause economic recession. Detection of fraudulent financial information, is an important issue facing the auditing profession. Currently, bankruptcy of companies around the world, leaves millions of people without jobs, this is caused by financial information which is manipulated by companies. The purpose of this paper is to analyze the effects of errors and manipulation committed in the financial information sector on the real economy. Also one of the purposes of this paper is to analyze error and fraud in financial statements how it effects the real economy and the reasons for committing fraud in financial statements. Also, several suggestions are included in this study about actions that can be taken to prevent errors and manipulation in financial information.

Sound localization and occupational noise

Directory of Open Access Journals (Sweden)

Pedro de Lemos Menezes

2014-02-01

Full Text Available OBJECTIVE: The aim of this study was to determine the effects of occupational noise on sound localization in different spatial planes and frequencies among normal hearing firefighters. METHOD: A total of 29 adults with pure-tone hearing thresholds below 25 dB took part in the study. The participants were divided into a group of 19 firefighters exposed to occupational noise and a control group of 10 adults who were not exposed to such noise. All subjects were assigned a sound localization task involving 117 stimuli from 13 sound sources that were spatially distributed in horizontal, vertical, midsagittal and transverse planes. The three stimuli, which were square waves with fundamental frequencies of 500, 2,000 and 4,000 Hz, were presented at a sound level of 70 dB and were randomly repeated three times from each sound source. The angle between the speaker's axis in the same plane was 45°, and the distance to the subject was 1 m. RESULT: The results demonstrate that the sound localization ability of the firefighters was significantly lower (p<0.01 than that of the control group. CONCLUSION: Exposure to occupational noise, even when not resulting in hearing loss, may lead to a diminished ability to locate a sound source.

Financial Liberalization and Financial Fragility

OpenAIRE

Enrica Detragiache; Asli Demirgüç-Kunt

1998-01-01

The authors study the empirical relationship between banking crises and financial liberalization using a panel of data for 53 countries for 1980-95. They find that banking crises are more likely to occur in liberalized financial systems. But financial liberalization's impact on a fragile banking sector is weaker where the institutional environment is strong--especially where there is respect for the rule of law, a low level of corruption, and good contract enforcement. They examine evidence o...

Stability and change in political conservatism following the global financial crisis.

Science.gov (United States)

Milojev, Petar; Greaves, Lara; Osborne, Danny; Sibley, Chris G

2015-01-01

The current study analyzes data from a national probability panel sample of New Zealanders (N = 5,091) to examine stability and change in political orientation over four consecutive yearly assessments (2009-2012) following the 2007/2008 global financial crisis. Bayesian Latent Growth Modeling identified systematic variation in the growth trajectory of conservatism that was predicted by age and socio-economic status. Younger people (ages 25-45) did not change in their political orientation. Older people, however, became more conservative over time. Likewise, people with lower socio-economic status showed a marked increase in political conservatism. In addition, tests of rank-order stability showed that age had a cubic relationship with the stability of political orientation over our four annual assessments. Our findings provide strong support for System Justification Theory by showing that increases in conservatism in the wake of the recent global financial crisis occurred primarily among the poorest and most disadvantaged.

The effect of sound speed profile on shallow water shipping sound maps

NARCIS (Netherlands)

Sertlek, H.Ö.; Binnerts, B.; Ainslie, M.A.

2016-01-01

Sound mapping over large areas can be computationally expensive because of the large number of sources and large source-receiver separations involved. In order to facilitate computation, a simplifying assumption sometimes made is to neglect the sound speed gradient in shallow water. The accuracy of

Sound wave transmission (image)

Science.gov (United States)

When sounds waves reach the ear, they are translated into nerve impulses. These impulses then travel to the brain where they are interpreted by the brain as sound. The hearing mechanisms within the inner ear, can ...

Decision Background and Financial Institutions: for What Contemporary Theoretical Reorientation?

Directory of Open Access Journals (Sweden)

Walter Gerard Amedzro St-Hilaire

2013-10-01

Full Text Available How financial institutions do they manage their interface with their decision-making context? What is the performance "social" beyond the simple economic and financial performance? How can we measure this performance "social"? This article focuses on the theoretical corpus contemporary necessary to understand the couple context decision / financial institutions. This is basically to contribute to the establishment of a comprehensive approach which captures applied with consistency, the conceptual opposition series (role and impact of the decision context / financial institutions structures. Gradually, driven by the reality of change, the paper come to a Copernican revolution in the theory of relations between financial institutions and decision context. Standards for new perspectives on the role of the financial institutions, it is not the decision-making environment that revolves around the sun institutions. Note that this reversal was anticipated in 1965 by Emery and Trist in a prophetic article, but it is only recently that we began to theorize in this direction. The article finally understood that economic performance is insufficient to ensure the sustainability of the organisations, at least for him to avoid problems. We understand that in a multiple rationalities world, the issue of "social performance of the financial institutions" is wide open to uncertainty. Everything depends on the status that is given to the organization: simple machine to produce cash register for shareholders, human community service of another larger community?

Disclosure of Non-Financial Information: Relevant to Financial Analysts?

OpenAIRE

ORENS, Raf; LYBAERT, Nadine

2013-01-01

The decline in the relevance of financial statement information to value firms leads to calls from organizational stakeholders to convey non-financial information in order to be able to judge firms' financial performance and value. This literature review aims to report extant literature findings on the use of corporate non-financial information by sell-side financial analysts, the information intermediaries between corporate management and investors. Prior studies highlight that financial ana...

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...

Sound & The Society

DEFF Research Database (Denmark)

Schulze, Holger

2014-01-01

How are those sounds you hear right now socially constructed and evaluated, how are they architecturally conceptualized and how dependant on urban planning, industrial developments and political decisions are they really? How is your ability to hear intertwined with social interactions and their ...... and their professional design? And how is listening and sounding a deeply social activity – constructing our way of living together in cities as well as in apartment houses? A radio feature with Nina Backmann, Jochen Bonz, Stefan Krebs, Esther Schelander & Holger Schulze......How are those sounds you hear right now socially constructed and evaluated, how are they architecturally conceptualized and how dependant on urban planning, industrial developments and political decisions are they really? How is your ability to hear intertwined with social interactions...

Predicting outdoor sound

CERN Document Server

Attenborough, Keith; Horoshenkov, Kirill

2014-01-01

1. Introduction  2. The Propagation of Sound Near Ground Surfaces in a Homogeneous Medium  3. Predicting the Acoustical Properties of Outdoor Ground Surfaces  4. Measurements of the Acoustical Properties of Ground Surfaces and Comparisons with Models  5. Predicting Effects of Source Characteristics on Outdoor Sound  6. Predictions, Approximations and Empirical Results for Ground Effect Excluding Meteorological Effects  7. Influence of Source Motion on Ground Effect and Diffraction  8. Predicting Effects of Mixed Impedance Ground  9. Predicting the Performance of Outdoor Noise Barriers  10. Predicting Effects of Vegetation, Trees and Turbulence  11. Analytical Approximations including Ground Effect, Refraction and Turbulence  12. Prediction Schemes  13. Predicting Sound in an Urban Environment.

College Students and Financial Distress: Exploring Debt, Financial Satisfaction, and Financial Anxiety

Science.gov (United States)

Archuleta, Kristy L.; Dale, Anita; Spann, Scott M.

2013-01-01

The impact of financial concerns on overall mental health has become a popular topic among researchers and practitioners. In this exploratory study, possible associations of financial anxiety were explored using a sample of 180 college students who sought services at a university peer financial counseling center in a Midwestern state. Of…

KARAKTERISTIK PERUSAHAAN SEBAGAI DETERMINAN INTERNET FINANCIAL AND SUSTAINABILITY REPORTING

Directory of Open Access Journals (Sweden)

Indri Kartika

2017-03-01

Full Text Available The information technological development had facilitated companies to provide and spread informationaround the world. Through websites for an example, a company could present financial and non-financialreports which ensured the stakeholders based on the going concern status of the company. This researchexamined company characteristics as the internet financial and the sustainability reporting (IFSR determinants.The research applied non-financial company populations which had website facilities and were listed inIndonesian Stock Exchange in 2009-2010. Using a purposive sampling technique, it obtained 326 companies.The analytical data method used in this research was a multiple-regression, of which the degree of significancewas 5%. The research result showed that size, profitability, and auditor influenced significantly and positivelytoward IFSR. While, the external ownership structure and listing age of companies influenced significantlyand negatively toward IFSR. On the other hand, leverage and types of industry and listing age ofcompanies had negative influences but not really significant towards IFSR.

Evaluating a Financial Assessment Tool: The Financial Checkup

OpenAIRE

Johnson, Alena C.

2001-01-01

The purpose of this study was to evaluate The Financial Checkup program. The program consisted of a booklet called The Financial Checkup and a 1-1 y, hour workshop explaining the booklet. The booklet helps individuals evaluate their financial situation on an annual basis. It includes a net worth statement, an income and expense statement, financial ratios, a revolving savings worksheet, a retirement worksheet, a life insurance worksheet, a financial goals worksheet, and a budget worksheet. Th...

Financial burden of medical care: a family perspective.

Science.gov (United States)

Cohen, Robin A; Kirzinger, Whitney K

2014-01-01

Data from the National Health Interview Survey, 2012. In 2012, more than one in four families experienced financial burdens of medical care. Families with incomes at or below 250% of the federal poverty level (FPL) were more likely to experience financial burdens of medical care than families with incomes above 250% of the FPL. Families with children aged 0-17 years were more likely than families without children to experience financial burdens of medical care. The presence of a family member who was uninsured increased the likelihood that a family would experience a financial burden of medical care. Recently published data from the National Health Interview Survey (NHIS) found that 1 in 5 persons was in a family having problems paying medical bills, and 1 in 10 persons was in a family with medical bills that they were unable to pay at all (1-3). NHIS defines "family" as an individual or a group of two or more related persons living together in the same housing unit. The family perspective is important to consider when examining financial risk because significant expenses for one family member may adversely affect the whole family. Health insurance coverage is one way for a family to mitigate financial risk associated with health care costs, although health insurance status may differ among family members. This report explores selected family demographic characteristics and their association with financial burdens of medical care (problems paying medical bills, paying medical bills over time, and having medical bills that cannot be paid) based on data from the 2012 NHIS. All material appearing in this report is in the public domain and may be reproduced or copied without permission; citation as to source, however, is appreciated.

Legal and economic aspects of UEFA's Rules on licensing of clubs and financial fair play

Directory of Open Access Journals (Sweden)

Ines Medić

2018-01-01

Full Text Available The results of supervision which UEFA in 2009 carried out on clubs showed that more than half of a total of 655 European clubs are in debt. Moreover, these are huge debts which are disproportionate with their financial possibilities. The three biggest European clubs were in such financial disarray that they were in two years, treated like other businesses, declared to be bankrupt. That period coincided with the widening of EU legislative powers and in sport issues and with the focus of the Commission on “sound management”. In 2010, UEFA presented a new Rulebook on the licensing of clubs and financial fair play. This Rulebook introduced doing business on “point of financial security” as their basis for the financial sustainability of European clubs. However, from the very beginning of its application its relation with EU legal regulations on competitiveness was disputable. This Rulebook existed in this limbo for 8 years and slowly real effects of its application are starting to be supervised. Namely legal and economic effects were often shown to have an unexpected effect, especially in combination with EU law. The intention here is to observe in detail the Rulebook’s regulations through various prisms: relation to EU legal regulations, its economic effects and the effect on stability and competitive balance.

Sounds of Web Advertising

DEFF Research Database (Denmark)

Jessen, Iben Bredahl; Graakjær, Nicolai Jørgensgaard

2010-01-01

Sound seems to be a neglected issue in the study of web ads. Web advertising is predominantly regarded as visual phenomena–commercial messages, as for instance banner ads that we watch, read, and eventually click on–but only rarely as something that we listen to. The present chapter presents...... an overview of the auditory dimensions in web advertising: Which kinds of sounds do we hear in web ads? What are the conditions and functions of sound in web ads? Moreover, the chapter proposes a theoretical framework in order to analyse the communicative functions of sound in web advertising. The main...... argument is that an understanding of the auditory dimensions in web advertising must include a reflection on the hypertextual settings of the web ad as well as a perspective on how users engage with web content....

The Aesthetic Experience of Sound

DEFF Research Database (Denmark)

Breinbjerg, Morten

2005-01-01

to react on. In an ecological understanding of hearing our detection of audible information affords us ways of responding to our environment. In my paper I will address both these ways of using sound in relation to computer games. Since a game player is responsible for the unfolding of the game, his......The use of sound in (3D) computer games basically falls in two. Sound is used as an element in the design of the set and as a narrative. As set design sound stages the nature of the environment, it brings it to life. As a narrative it brings us information that we can choose to or perhaps need...... exploration of the virtual space laid out before him is pertinent. In this mood of exploration sound is important and heavily contributing to the aesthetic of the experience....

Principles of underwater sound

National Research Council Canada - National Science Library

Urick, Robert J

1983-01-01

... the immediately useful help they need for sonar problem solving. Its coverage is broad-ranging from the basic concepts of sound in the sea to making performance predictions in such applications as depth sounding, fish finding, and submarine detection...

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…

Financial incentive increases CPAP acceptance in patients from low socioeconomic background.

Directory of Open Access Journals (Sweden)

Ariel Tarasiuk

Full Text Available OBJECTIVE: We explored whether financial incentives have a role in patients' decisions to accept (purchase a continuous positive airway pressure (CPAP device in a healthcare system that requires cost sharing. DESIGN: Longitudinal interventional study. PATIENTS: The group receiving financial incentive (n = 137, 50.8±10.6 years, apnea/hypopnea index (AHI 38.7±19.9 events/hr and the control group (n = 121, 50.9±10.3 years, AHI 39.9±22 underwent attendant titration and a two-week adaptation to CPAP. Patients in the control group had a co-payment of $330-660; the financial incentive group paid a subsidized price of $55. RESULTS: CPAP acceptance was 43% greater (p = 0.02 in the financial incentive group. CPAP acceptance among the low socioeconomic strata (n = 113 (adjusting for age, gender, BMI, tobacco smoking was enhanced by financial incentive (OR, 95% CI (3.43, 1.09-10.85, age (1.1, 1.03-1.17, AHI (>30 vs. 30 vs. 30 vs. <30 (5.25, 1.34-18.5. CONCLUSIONS: Minimizing cost sharing reduces a barrier for CPAP acceptance among low socioeconomic status patients. Thus, financial incentive should be applied as a policy to encourage CPAP treatment, especially among low socioeconomic strata patients.

FINANCIAL DEPTH AND FINANCIAL ACCESS IN INDONESIA

OpenAIRE

Sigit Setiawan

2015-01-01

This study is intended to analyze the current levels of financial depth and financial access in Indonesia and to analyze the factors affecting them. The analysis method used was a combination of descriptive quantitative, benchmarking, and literature reviews. The conclusion is that the financial depth in Indonesia has not shown a satisfactory level since it was the lowest, or the second lowest ranked country among the sampled countries. Meanwhile, the financial access in Indonesia is relativel...

Materiality from financial towards non-financial reporting

OpenAIRE

Chiara Mio

2013-01-01

The article aims at discussing the evolution of the concept of materiality in financial and, more specifically, non-financial reporting. Materiality will play a central role in the next years in order for reports to reach conciseness, which is at present one of the main goals both financial and non-financial reporting (in particular Integrated Reporting) aims to achieve. The article reviews the most relevant materiality frameworks and definitions and provides further insights for the advancem...

Sounding the field: recent works in sound studies.

Science.gov (United States)

Boon, Tim

2015-09-01

For sound studies, the publication of a 593-page handbook, not to mention the establishment of at least one society - the European Sound Studies Association - might seem to signify the emergence of a new academic discipline. Certainly, the books under consideration here, alongside many others, testify to an intensification of concern with the aural dimensions of culture. Some of this work comes from HPS and STS, some from musicology and cultural studies. But all of it should concern members of our disciplines, as it represents a long-overdue foregrounding of the aural in how we think about the intersections of science, technology and culture.

Sound Clocks and Sonic Relativity

Science.gov (United States)

Todd, Scott L.; Menicucci, Nicolas C.

2017-10-01

Sound propagation within certain non-relativistic condensed matter models obeys a relativistic wave equation despite such systems admitting entirely non-relativistic descriptions. A natural question that arises upon consideration of this is, "do devices exist that will experience the relativity in these systems?" We describe a thought experiment in which `acoustic observers' possess devices called sound clocks that can be connected to form chains. Careful investigation shows that appropriately constructed chains of stationary and moving sound clocks are perceived by observers on the other chain as undergoing the relativistic phenomena of length contraction and time dilation by the Lorentz factor, γ , with c the speed of sound. Sound clocks within moving chains actually tick less frequently than stationary ones and must be separated by a shorter distance than when stationary to satisfy simultaneity conditions. Stationary sound clocks appear to be length contracted and time dilated to moving observers due to their misunderstanding of their own state of motion with respect to the laboratory. Observers restricted to using sound clocks describe a universe kinematically consistent with the theory of special relativity, despite the preferred frame of their universe in the laboratory. Such devices show promise in further probing analogue relativity models, for example in investigating phenomena that require careful consideration of the proper time elapsed for observers.

Non-Wovens as Sound Reducers

Science.gov (United States)

Belakova, D.; Seile, A.; Kukle, S.; Plamus, T.

2018-04-01

Within the present study, the effect of hemp (40 wt%) and polyactide (60 wt%), non-woven surface density, thickness and number of fibre web layers on the sound absorption coefficient and the sound transmission loss in the frequency range from 50 to 5000 Hz is analysed. The sound insulation properties of the experimental samples have been determined, compared to the ones in practical use, and the possible use of material has been defined. Non-woven materials are ideally suited for use in acoustic insulation products because the arrangement of fibres produces a porous material structure, which leads to a greater interaction between sound waves and fibre structure. Of all the tested samples (A, B and D), the non-woven variant B exceeded the surface density of sample A by 1.22 times and 1.15 times that of sample D. By placing non-wovens one above the other in 2 layers, it is possible to increase the absorption coefficient of the material, which depending on the frequency corresponds to C, D, and E sound absorption classes. Sample A demonstrates the best sound absorption of all the three samples in the frequency range from 250 to 2000 Hz. In the test frequency range from 50 to 5000 Hz, the sound transmission loss varies from 0.76 (Sample D at 63 Hz) to 3.90 (Sample B at 5000 Hz).

Sounds of Space

Science.gov (United States)

Gurnett, D. A.

2005-12-01

Starting in the early 1960s, spacecraft-borne plasma wave instruments revealed that space is filled with an astonishing variety of radio and plasma wave sounds, which have come to be called "sounds of space." For over forty years these sounds have been collected and played to a wide variety of audiences, often as the result of press conferences or press releases involving various NASA projects for which the University of Iowa has provided plasma wave instruments. This activity has led to many interviews on local and national radio programs, and occasionally on programs haviang world-wide coverage, such as the BBC. As a result of this media coverage, we have been approached many times by composers requesting copies of our space sounds for use in their various projects, many of which involve electronic synthesis of music. One of these collaborations led to "Sun Rings," which is a musical event produced by the Kronos Quartet that has played to large audiences all over the world. With the availability of modern computer graphic techniques we have recently been attempting to integrate some of these sound of space into an educational audio/video web site that illustrates the scientific principles involved in the origin of space plasma waves. Typically I try to emphasize that a substantial gas pressure exists everywhere in space in the form of an ionized gas called a plasma, and that this plasma can lead to a wide variety of wave phenomenon. Examples of some of this audio/video material will be presented.

A strategy for enhancing financial performance: a study of general acute care hospitals in South Korea.

Science.gov (United States)

Choi, Mankyu; Lee, Keon-Hyung

2008-01-01

In this study, the determinants of hospital profitability were evaluated using a sample of 142 hospitals that had undergone hospital standardization inspections by the South Korea Hospital Association over the 4-year period from 1998 to 2001. The measures of profitability used as dependent variables in this study were pretax return on assets, after-tax return on assets, basic earning power, pretax operating margin, and after-tax operating margin. Among those determinants, it was found that ownership type, teaching status, inventory turnover, and the average charge per adjusted inpatient day positively and statistically significantly affected all 5 of these profitability measures. However, the labor expenses per adjusted inpatient day and administrative expenses per adjusted inpatient day negatively and statistically significantly affected all 5 profitability measures. The debt ratio negatively and statistically significantly affected all 5 profitability measures, with the exception of basic earning power. None of the market factors assessed were shown to significantly affect profitability. In conclusion, the results of this study suggest that the profitability of hospitals can be improved despite deteriorating external environmental conditions by facilitating the formation of sound financial structures with optimal capital supplies, optimizing the management of total assets with special emphasis placed on inventory management, and introducing efficient control of fixed costs including labor and administrative expenses.

Sound Synthesis and Evaluation of Interactive Footsteps and Environmental Sounds Rendering for Virtual Reality Applications

DEFF Research Database (Denmark)

Nordahl, Rolf; Turchet, Luca; Serafin, Stefania

2011-01-01

We propose a system that affords real-time sound synthesis of footsteps on different materials. The system is based on microphones, which detect real footstep sounds from subjects, from which the ground reaction force (GRF) is estimated. Such GRF is used to control a sound synthesis engine based ...... a soundscape significantly improves the recognition of the simulated environment....

Late Financial Distress Process Stages and Financial Ratios

DEFF Research Database (Denmark)

Sormunen, Nina; Laitinen, Teija

2012-01-01

stage affects the classification ability of single financial ratios and financial distress prediction models in short-term financial distress prediction. The study shows that the auditor's GC task could be supported by paying attention to the financial distress process stage. The implications...... of these findings for auditors and every stakeholder of business firms are considered....

FINANCIAL DEPTH AND FINANCIAL ACCESS IN INDONESIA

OpenAIRE

Sigit Setiawan

2015-01-01

This study is intended to analyse the current levels of financial depth and financial access in Indonesia and to analyse the factors affecting them. The analysis method used was a combination of descriptive quantitative, benchmarking, and literature reviews. The conclusion is that the financial depth in Indonesia has not shown a satisfactory level since it was the lowest, or the second lowest ranked country among the sampled countries. Meanwhile, the financial access in Indonesia is relativel...

Financial Depth and Financial Access in Indonesia

OpenAIRE

Setiawan, Sigit

2015-01-01

This study is intended to analyse the current levels of financial depth and financial access in Indonesia and to analyse the factors affecting them. The analysis method used was a combination of descriptive quantitative, benchmarking, and literature reviews. The conclusion is that the financial depth in Indonesia has not shown a satisfactory level since it was the lowest, or the second lowest ranked country among the sampled countries. Meanwhile, the financial access in Indonesia is relativel...

Using therapeutic sound with progressive audiologic tinnitus management.

Science.gov (United States)

Henry, James A; Zaugg, Tara L; Myers, Paula J; Schechter, Martin A

2008-09-01

Management of tinnitus generally involves educational counseling, stress reduction, and/or the use of therapeutic sound. This article focuses on therapeutic sound, which can involve three objectives: (a) producing a sense of relief from tinnitus-associated stress (using soothing sound); (b) passively diverting attention away from tinnitus by reducing contrast between tinnitus and the acoustic environment (using background sound); and (c) actively diverting attention away from tinnitus (using interesting sound). Each of these goals can be accomplished using three different types of sound-broadly categorized as environmental sound, music, and speech-resulting in nine combinations of uses of sound and types of sound to manage tinnitus. The authors explain the uses and types of sound, how they can be combined, and how the different combinations are used with Progressive Audiologic Tinnitus Management. They also describe how sound is used with other sound-based methods of tinnitus management (Tinnitus Masking, Tinnitus Retraining Therapy, and Neuromonics).

Letter-Sound Knowledge: Exploring Gender Differences in Children When They Start School Regarding Knowledge of Large Letters, Small Letters, Sound Large Letters, and Sound Small Letters

Directory of Open Access Journals (Sweden)

Hermundur Sigmundsson

2017-09-01

Full Text Available This study explored whether there is a gender difference in letter-sound knowledge when children start at school. 485 children aged 5–6 years completed assessment of letter-sound knowledge, i.e., large letters; sound of large letters; small letters; sound of small letters. The findings indicate a significant difference between girls and boys in all four factors tested in this study in favor of the girls. There are still no clear explanations to the basis of a presumed gender difference in letter-sound knowledge. That the findings have origin in neuro-biological factors cannot be excluded, however, the fact that girls probably have been exposed to more language experience/stimulation compared to boys, lends support to explanations derived from environmental aspects.

Incentive-based Financial Support Scheme for Immature Renewable Energy Systems

DEFF Research Database (Denmark)

Andersen, Morten Thøtt; Frigaard, Peter Bak

2015-01-01

Most of today’s renewable energy systems rely heavily on investments as well as public financial support. This support is often given by means of a higher sales price for each kWh produced, i.e. feed-in tariffs (FITs), green certificates or Renewable Obligation Certificates (ROCs), or by a fixed...... amount, being a percentage of the construction costs of the facility. All these ways of financing have different downsides. The feed-in tariff based kWh prices have some incentives to improve the technology, but enables infeasible solutions to stay financially supported even while R&D is in status quo....... The fixed amount only helps with installation costs, which should not be an issue once the technology is sufficiently feasible. This means that the current ways of granting financial support all lack incentives for increasing production or decreasing construction costs. This paper presents a unique scheme...

By the sound of it. An ERP investigation of human action sound processing in 7-month-old infants

Directory of Open Access Journals (Sweden)

Elena Geangu

2015-04-01

Full Text Available Recent evidence suggests that human adults perceive human action sounds as a distinct category from human vocalizations, environmental, and mechanical sounds, activating different neural networks (Engel et al., 2009; Lewis et al., 2011. Yet, little is known about the development of such specialization. Using event-related potentials (ERP, this study investigated neural correlates of 7-month-olds’ processing of human action (HA sounds in comparison to human vocalizations (HV, environmental (ENV, and mechanical (MEC sounds. Relative to the other categories, HA sounds led to increased positive amplitudes between 470 and 570 ms post-stimulus onset at left anterior temporal locations, while HV led to increased negative amplitudes at the more posterior temporal locations in both hemispheres. Collectively, human produced sounds (HA + HV led to significantly different response profiles compared to non-living sound sources (ENV + MEC at parietal and frontal locations in both hemispheres. Overall, by 7 months of age human action sounds are being differentially processed in the brain, consistent with a dichotomy for processing living versus non-living things. This provides novel evidence regarding the typical categorical processing of socially relevant sounds.

Sound as Popular Culture

DEFF Research Database (Denmark)

The wide-ranging texts in this book take as their premise the idea that sound is a subject through which popular culture can be analyzed in an innovative way. From an infant’s gurgles over a baby monitor to the roar of the crowd in a stadium to the sub-bass frequencies produced by sound systems...... in the disco era, sound—not necessarily aestheticized as music—is inextricably part of the many domains of popular culture. Expanding the view taken by many scholars of cultural studies, the contributors consider cultural practices concerning sound not merely as semiotic or signifying processes but as material......, physical, perceptual, and sensory processes that integrate a multitude of cultural traditions and forms of knowledge. The chapters discuss conceptual issues as well as terminologies and research methods; analyze historical and contemporary case studies of listening in various sound cultures; and consider...

Fourth sound in relativistic superfluidity theory

International Nuclear Information System (INIS)

Vil'chinskij, S.I.; Fomin, P.I.

1995-01-01

The Lorentz-covariant equations describing propagation of the fourth sound in the relativistic theory of superfluidity are derived. The expressions for the velocity of the fourth sound are obtained. The character of oscillation in sound is determined

The Role of Cash Flow in Financial Early Warning of Agricultural Enterprises Based on Logistic Model

Science.gov (United States)

Sun, Fengru

2018-01-01

This paper chooses the agricultural listed companies as the research object, compares the financial situation of the enterprise and the theory of financial early warning, combines the financial status of the agricultural listed companies, selects the relevant cash flow indicators, discusses the application of the Logistic financial early warning model in the agricultural listed companies, Agricultural enterprises get better development. Research on financial early warning of agricultural listed companies will help the agricultural listed companies to predict the financial crisis. Financial early warning model is simple to establish, operational and strong, the use of financial early warning model, to help enterprises in the financial crisis before taking rapid and effective measures, which can avoid losses. Help enterprises to discover signs of deterioration of the financial situation in time to maintain the sustainable development of agricultural enterprises. In addition, through the financial early warning model, investors can correctly identify the financial situation of agricultural enterprises, and can evaluate the financial situation of agricultural enterprises and to help investors to invest in scientific and rational, beneficial to investors to analyze the safety of investment. But also help the relevant regulatory agencies to effectively monitor the market and promote the healthy and stable development of the market.

The science of sound recording

CERN Document Server

Kadis, Jay

2012-01-01

The Science of Sound Recording will provide you with more than just an introduction to sound and recording, it will allow you to dive right into some of the technical areas that often appear overwhelming to anyone without an electrical engineering or physics background.  The Science of Sound Recording helps you build a basic foundation of scientific principles, explaining how recording really works. Packed with valuable must know information, illustrations and examples of 'worked through' equations this book introduces the theory behind sound recording practices in a logical and prac

Nuclear sound

International Nuclear Information System (INIS)

Wambach, J.

1991-01-01

Nuclei, like more familiar mechanical systems, undergo simple vibrational motion. Among these vibrations, sound modes are of particular interest since they reveal important information on the effective interactions among the constituents and, through extrapolation, on the bulk behaviour of nuclear and neutron matter. Sound wave propagation in nuclei shows strong quantum effects familiar from other quantum systems. Microscopic theory suggests that the restoring forces are caused by the complex structure of the many-Fermion wavefunction and, in some cases, have no classical analogue. The damping of the vibrational amplitude is strongly influenced by phase coherence among the particles participating in the motion. (author)

Financial Hardship and Self-Rated Health among Low-Income Housing Residents

Science.gov (United States)

Tucker-Seeley, Reginald D.; Harley, Amy E.; Stoddard, Anne M.; Sorensen, Glorian G.

2013-01-01

Background: Self-rated health (SRH) has been shown to be predictive of morbidity and mortality. Evidence also shows that SRH is socioeconomically patterned, although this association differs depending on the indicator of socioeconomic status used. The purpose of this study was to determine the association between SRH and financial hardship among…

Adolescents' Financial Literacy: The Role of Financial Socialization Agents, Financial Experiences, and Money Attitudes in Shaping Financial Literacy among South Korean Youth

Science.gov (United States)

Sohn, Sang-Hee; Joo, So-Hyun; Grable, John E.; Lee, Seonglim; Kim, Minjeung

2012-01-01

The purpose of this study was to test the relationships between financial socialization agents, financial experiences, money attitudes, demographic characteristics, and the financial literacy of Korean adolescents. Using the 2006 Korean National Financial Literacy Test Survey for Adolescents (N = 1185), a series of regression analyses were…

Students' Learning of a Generalized Theory of Sound Transmission from a Teaching-Learning Sequence about Sound, Hearing and Health

Science.gov (United States)

West, Eva; Wallin, Anita

2013-04-01

Learning abstract concepts such as sound often involves an ontological shift because to conceptualize sound transmission as a process of motion demands abandoning sound transmission as a transfer of matter. Thus, for students to be able to grasp and use a generalized model of sound transmission poses great challenges for them. This study involved 199 students aged 10-14. Their views about sound transmission were investigated before and after teaching by comparing their written answers about sound transfer in different media. The teaching was built on a research-based teaching-learning sequence (TLS), which was developed within a framework of design research. The analysis involved interpreting students' underlying theories of sound transmission, including the different conceptual categories that were found in their answers. The results indicated a shift in students' understandings from the use of a theory of matter before the intervention to embracing a theory of process afterwards. The described pattern was found in all groups of students irrespective of age. Thus, teaching about sound and sound transmission is fruitful already at the ages of 10-11. However, the older the students, the more advanced is their understanding of the process of motion. In conclusion, the use of a TLS about sound, hearing and auditory health promotes students' conceptualization of sound transmission as a process in all grades. The results also imply some crucial points in teaching and learning about the scientific content of sound.

Digitizing a sound archive

DEFF Research Database (Denmark)

Cone, Louise

2017-01-01

Danish and international artists. His methodology left us with a large collection of unique and inspirational time-based media sound artworks that have, until very recently, been inaccessible. Existing on an array of different media formats, such as open reel tapes, 8-track and 4 track cassettes, VHS......In 1990 an artist by the name of William Louis Sørensen was hired by the National Gallery of Denmark to collect important works of art – made from sound. His job was to acquire sound art, but also recordings that captured rare artistic occurrences, music, performances and happenings from both...

Parallel-plate third sound waveguides with fixed and variable plate spacings for the study of fifth sound in superfluid helium

International Nuclear Information System (INIS)

Jelatis, G.J.

1983-01-01

Third sound in superfluid helium four films has been investigated using two parallel-plate waveguides. These investigations led to the observation of fifth sound, a new mode of sound propagation. Both waveguides consisted of two parallel pieces of vitreous quartz. The sound speed was obtained by measuring the time-of-flight of pulsed third sound over a known distance. Investigations from 1.0-1.7K were possible with the use of superconducting bolometers, which measure the temperature component of the third sound wave. Observations were initially made with a waveguide having a plate separation fixed at five microns. Adiabatic third sound was measured in the geometry. Isothermal third sound was also observed, using the usual, single-substrate technique. Fifth sound speeds, calculated from the two-fluid theory of helium and the speeds of the two forms of third sound, agreed in size and temperature dependence with theoretical predictions. Nevertheless, only equivocal observations of fifth sound were made. As a result, the film-substrate interaction was examined, and estimates of the Kapitza conductance were made. Assuming the dominance of the effects of this conductance over those due to the ECEs led to a new expression for fifth sound. A reanalysis of the initial data was made, which contained no adjustable parameters. The observation of fifth sound was seen to be consistent with the existence of an anomalously low boundary conductance

The Financial Management Practices of the Mosques in the Special Region of Yogyakarta Province, Indonesia

Directory of Open Access Journals (Sweden)

Muhammad Akhyar Adnan

2014-03-01

Full Text Available Objective – This study is trying to investigate the financial management of the Masjid (Mosques in the Special Region of Yogyakarta Province. Three main issues were focused: the amount of cash flow which include the balances on hand; the application of transparency and accountability principles in financial matters, and sound practice of financial management which include budgeting, strategic formulation and performance evaluation.Methods - The study is an exploratory in nature. The Special Region of Yogyakarta consists of four counties and one city (municipality. 50 Mosques have been selected as the samples. Each county / city is represented by 10 Mosques. They are selected using sampling method. The simple descriptive analysis is conducted on the data collected.Results - Based on the data analysis, the study found that there is a significant cash flow of those selected samples, dominated by Infaq / Sodaqoh. Few Mosques recognized that they also receive Zakah and Waqaf fund.Conclusion - Generally the Mosque Management have applied the principles of transparency and accountability in the form recording, although their skill in doing so needs to be improved. However, a significant number of Mosques Management have not yet set the strategic formulation, as well as budgeting process to realize the budget and its evaluation. Keywords : Cash Flow, Financial Management, Mosque

Financial Ratios and Perceived Household Financial Satisfaction

Directory of Open Access Journals (Sweden)

Scott Garrett

2013-08-01

Full Text Available This paper tests the relative strength of three objective measures of financial health (using the solvency, liquidity, and investment asset ratio in predicting a household’s subjective feeling of current financial satisfaction. Using a sample of 6,923 respondents in the 2008 Health and Retirement Study this paper presents evidence of two main findings: 1 the solvency ratio is most strongly associated with financial satisfaction levels based on a cross-sectional design and 2 changes in the investment asset ratio are most strongly associated with changes in financial satisfaction over time.

Sound propagation in cities

NARCIS (Netherlands)

Salomons, E.; Polinder, H.; Lohman, W.; Zhou, H.; Borst, H.

2009-01-01

A new engineering model for sound propagation in cities is presented. The model is based on numerical and experimental studies of sound propagation between street canyons. Multiple reflections in the source canyon and the receiver canyon are taken into account in an efficient way, while weak

Hamiltonian Algorithm Sound Synthesis

OpenAIRE

大矢, 健一

2013-01-01

Hamiltonian Algorithm (HA) is an algorithm for searching solutions is optimization problems. This paper introduces a sound synthesis technique using Hamiltonian Algorithm and shows a simple example. "Hamiltonian Algorithm Sound Synthesis" uses phase transition effect in HA. Because of this transition effect, totally new waveforms are produced.

Exploring Noise: Sound Pollution.

Science.gov (United States)

Rillo, Thomas J.

1979-01-01

Part one of a three-part series about noise pollution and its effects on humans. This section presents the background information for teachers who are preparing a unit on sound. The next issues will offer learning activities for measuring the effects of sound and some references. (SA)

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.

Photoacoustic Sounds from Meteors.

Energy Technology Data Exchange (ETDEWEB)

Spalding, Richard E. [Sandia National Lab. (SNL-NM), Albuquerque, NM (United States); Tencer, John [Sandia National Lab. (SNL-NM), Albuquerque, NM (United States); Sweatt, William C. [Sandia National Lab. (SNL-NM), Albuquerque, NM (United States); Hogan, Roy E. [Sandia National Lab. (SNL-NM), Albuquerque, NM (United States); Boslough, Mark B. [Sandia National Lab. (SNL-NM), Albuquerque, NM (United States); Spurny, Pavel [Academy of Sciences of the Czech Republic (ASCR), Prague (Czech Republic)

2015-03-01

High-speed photometric observations of meteor fireballs have shown that they often produce high-amplitude light oscillations with frequency components in the kHz range, and in some cases exhibit strong millisecond flares. We built a light source with similar characteristics and illuminated various materials in the laboratory, generating audible sounds. Models suggest that light oscillations and pulses can radiatively heat dielectric materials, which in turn conductively heats the surrounding air on millisecond timescales. The sound waves can be heard if the illuminated material is sufficiently close to the observer’s ears. The mechanism described herein may explain many reports of meteors that appear to be audible while they are concurrently visible in the sky and too far away for sound to have propagated to the observer. This photoacoustic (PA) explanation provides an alternative to electrophonic (EP) sounds hypothesized to arise from electromagnetic coupling of plasma oscillation in the meteor wake to natural antennas in the vicinity of an observer.

Urban Sound Interfaces

DEFF Research Database (Denmark)

Breinbjerg, Morten

2012-01-01

This paper draws on the theories of Michel de Certeau and Gaston Bachelard to discuss how media architecture, in the form of urban sound interfaces, can help us perceive the complexity of the spaces we inhabit, by exploring the history and the narratives of the places in which we live. In this pa......This paper draws on the theories of Michel de Certeau and Gaston Bachelard to discuss how media architecture, in the form of urban sound interfaces, can help us perceive the complexity of the spaces we inhabit, by exploring the history and the narratives of the places in which we live....... In this paper, three sound works are discussed in relation to the iPod, which is considered as a more private way to explore urban environments, and as a way to control the individual perception of urban spaces....

Sound field separation with sound pressure and particle velocity measurements

DEFF Research Database (Denmark)

Fernandez Grande, Efren; Jacobsen, Finn; Leclère, Quentin

2012-01-01

separation techniques make it possible to distinguish between outgoing and incoming waves from the two sides, and thus NAH can be applied. In this paper, a separation method based on the measurement of the particle velocity in two layers and another method based on the measurement of the pressure...... and the velocity in a single layer are proposed. The two methods use an equivalent source formulation with separate transfer matrices for the outgoing and incoming waves, so that the sound from the two sides of the array can be modeled independently. A weighting scheme is proposed to account for the distance......In conventional near-field acoustic holography (NAH) it is not possible to distinguish between sound from the two sides of the array, thus, it is a requirement that all the sources are confined to only one side and radiate into a free field. When this requirement cannot be fulfilled, sound field...

Electromagnetic sounding of the Earth's interior

CERN Document Server

Spichak, Viacheslav V

2015-01-01

Electromagnetic Sounding of the Earth's Interior 2nd edition provides a comprehensive up-to-date collection of contributions, covering methodological, computational and practical aspects of Electromagnetic sounding of the Earth by different techniques at global, regional and local scales. Moreover, it contains new developments such as the concept of self-consistent tasks of geophysics and , 3-D interpretation of the TEM sounding which, so far, have not all been covered by one book. Electromagnetic Sounding of the Earth's Interior 2nd edition consists of three parts: I- EM sounding methods, II- Forward modelling and inversion techniques, and III - Data processing, analysis, modelling and interpretation. The new edition includes brand new chapters on Pulse and frequency electromagnetic sounding for hydrocarbon offshore exploration. Additionally all other chapters have been extensively updated to include new developments. Presents recently developed methodological findings of the earth's study, including seism...

21 CFR 876.4590 - Interlocking urethral sound.

Science.gov (United States)

2010-04-01

... 21 Food and Drugs 8 2010-04-01 2010-04-01 false Interlocking urethral sound. 876.4590 Section 876...) MEDICAL DEVICES GASTROENTEROLOGY-UROLOGY DEVICES Surgical Devices § 876.4590 Interlocking urethral sound. (a) Identification. An interlocking urethral sound is a device that consists of two metal sounds...

Strengthening financial management, providing financial safeguard mechanism

International Nuclear Information System (INIS)

Sun Wumei

2010-01-01

This article reviewed the history of Zhong He Shanxi Uranium Enrichment Company, summarizing an efficient and systematical financial management method during both construction period and operational period of the company. It related to fundamental financial management structure building, integrated budgeting, fund management, cost management, asset management, tax planning and HR management. of financial staffs. (author)

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.

Poetry Pages. Sound Effects.

Science.gov (United States)

Fina, Allan de

1992-01-01

Explains how elementary teachers can help students understand onomatopoeia, suggesting that they define onomatopoeia, share examples of it, read poems and have students discuss onomatopoeic words, act out common household sounds, write about sound effects, and create choral readings of onomatopoeic poems. Two appropriate poems are included. (SM)

THE NEED TO IMPLEMENT BASED III IN THE AFTERMATH OF THE GLOBAL FINANCIAL CRISIS

Directory of Open Access Journals (Sweden)

Mădălina Antoaneta RĂDOI

2016-06-01

Full Text Available Prudential regulation has as ultimate objective securing protection of a bank's clients, shareholders and creditors by defining a sufficient level of bank capitalization. Given the particular importance of the banking sector's vital functions for any economy, the prudential regulations of the key components of the banking system become an essential condition for securing the economic and financial health of a country. Having become aware of the particular importance of a sound legal framework for the banking system, the international authorities have come up with proposals of improvement to the Basel II Agreement

Mobile sound: media art in hybrid spaces

OpenAIRE

Behrendt, Frauke

2010-01-01

The thesis explores the relationships between sound and mobility through an examination\\ud of sound art. The research engages with the intersection of sound, mobility and\\ud art through original empirical work and theoretically through a critical engagement with\\ud sound studies. In dialogue with the work of De Certeau, Lefebvre, Huhtamo and Habermas\\ud in terms of the poetics of walking, rhythms, media archeology and questions of\\ud publicness, I understand sound art as an experimental mobil...

Household Financial Contribution to the Health System in Shiraz, Iran in 2012

Directory of Open Access Journals (Sweden)

Zahra Kavosi

2014-10-01

Full Text Available Background One common challenge to social systems is achieving equity in financial contributions and preventing financial loss. Because of the large and unpredictable nature of some costs, achieving this goal in the health system presents important and unique problems. The present study investigated the Household Financial Contributions (HFCs to the health system. Methods The study investigated 800 households in Shiraz. The study sample size was selected using stratified sampling and cluster sampling in the urban and rural regions, respectively. The data was collected using the household section of the World Health Survey (WHS questionnaire. Catastrophic health expenditures were calculated based on the ability of the household to pay and the reasons for the catastrophic health expenditures by a household were specified using logistic regression. Results The results showed that the fairness financial contribution index was 0.6 and that 14.2% of households were faced with catastrophic health expenditures. Logistic regression analysis revealed that household economic status, the basic and supplementary insurance status of the head of the household, existence of individuals in the household who require chronic medical care, use of dental and hospital care, rural location of residences, frequency of use of outpatient services, and Out-of-Pocket (OOP payment for physician visits were effective factors for determining the likelihood of experiencing catastrophic health expenditure. Conclusion It appears that the current method of health financing in Iran does not adequately protect households against catastrophic health expenditure. Consequently, it is essential to reform healthcare financing.

Financial Management: Education Faces Challenges in Achieving Financial Management Reform. Testimony before the Subcommittee on Oversight and Investigations, Committee on Education and the Workforce, House of Representatives.

Science.gov (United States)

Jarmon, Gloria L.

This report provides a fiscal analysis of the Department of Education's 1999 financial audit results. It focuses on the relationship between the audit findings and the potential for waste, fraud, and abuse, and examines the status of an ongoing study of the Department's grantback account. It describes the ongoing accounting problems that have…

Sound source measurement by using a passive sound insulation and a statistical approach

Science.gov (United States)

Dragonetti, Raffaele; Di Filippo, Sabato; Mercogliano, Francesco; Romano, Rosario A.

2015-10-01

This paper describes a measurement technique developed by the authors that allows carrying out acoustic measurements inside noisy environments reducing background noise effects. The proposed method is based on the integration of a traditional passive noise insulation system with a statistical approach. The latter is applied to signals picked up by usual sensors (microphones and accelerometers) equipping the passive sound insulation system. The statistical approach allows improving of the sound insulation given only by the passive sound insulation system at low frequency. The developed measurement technique has been validated by means of numerical simulations and measurements carried out inside a real noisy environment. For the case-studies here reported, an average improvement of about 10 dB has been obtained in a frequency range up to about 250 Hz. Considerations on the lower sound pressure level that can be measured by applying the proposed method and the measurement error related to its application are reported as well.

Undesirable financial effects of head and neck cancer radiotherapy during the initial treatment period

Directory of Open Access Journals (Sweden)

Helen Egestad

2015-01-01

Full Text Available Background: Healthcare cost and reforms are at the forefront of international debates. One of the current discussion themes in oncology is whether and how patients’ life changes due to costs of cancer care. In Norway, the main part of the treatment costs is supported by general taxpayer revenues. Objectives: The objective of this study was to clarify whether head and neck cancer patients (n=67 in northern Norway experienced financial health-related quality of life (HRQOL deterioration due to costs associated with treatment. Design: HRQOL was examined by the European Organization for Research and Treatment of Cancer (EORTC QLQ-C30 in the beginning and in the end of radiation treatment in patients treated at the University Hospital in Northern Norway. Changes in financial HRQOL were calculated and compared by paired sample T-tests. Multiple regression analyses were used to examine correlations among gender, marital status, age and treatment with or without additional chemotherapy and changes in the HRQOL domain of financial difficulties. Results: The majority of score results at both time points were in the lower range (mean 15–25, indicating limited financial difficulties. We observed no statistically significant differences by gender, marital status and age. Increasing financial difficulties during treatment were reported by male patients and those younger than 65, that is, patients who were younger than retirement age. The largest effect was seen in singles. However, differences were not statistically significant. Conclusions: During the initial phase of the disease trajectory, no significant increase in financial difficulties was found. This is in line with the aims of the Norwegian public healthcare model. However, long-term longitudinal studies should be performed, especially with regard to the trends we observed in single, male and younger patients.

Film sound in preservation and presentation

NARCIS (Netherlands)

Campanini, S.

2014-01-01

What is the nature of film sound? How does it change through time? How can film sound be conceptually defined? To address these issues, this work assumes the perspective of film preservation and presentation practices, describing the preservation of early sound systems, as well as the presentation

Analyzing the Pattern of L1 Sounds on L2 Sounds Produced by Javanese Students of Stkip PGRI Jombang

Directory of Open Access Journals (Sweden)

Daning Hentasmaka

2015-07-01

Full Text Available The studyconcerns on an analysis on the tendency of first language (L1 sound patterning on second language (L2 sounds done by Javanese students.Focusing on the consonant sounds, the data were collected by recording students’ pronunciationof English words during the pronunciation test. The data then analysed through three activities: data reduction, data display, and conclusion drawing/ verification. Theresult showedthatthe patterning of L1 sounds happened on L2 sounds especially on eleven consonant sounds: the fricatives [v, θ, ð, ʃ, ʒ], the voiceless stops [p, t, k], and the voiced stops [b, d, g].Thosepatterning case emergedmostlyduetothe difference in the existence of consonant sounds and rules of consonant distribution. Besides, one of the cases was caused by the difference in consonant clusters between L1 and L2

ANALYZING THE PATTERN OF L1 SOUNDS ON L2 SOUNDS PRODUCED BY JAVANESE STUDENTS OF STKIP PGRI JOMBANG

Directory of Open Access Journals (Sweden)

Daning Hentasmaka

2015-07-01

Full Text Available The studyconcerns on an analysis on the tendency of first language (L1 sound patterning on second language (L2 sounds done by Javanese students.Focusing on the consonant sounds, the data were collected by recording students’ pronunciationof English words during the pronunciation test. The data then analysed through three activities: data reduction, data display, and conclusion drawing/ verification. Theresult showedthatthe patterning of L1 sounds happened on L2 sounds especially on eleven consonant sounds: the fricatives [v, θ, ð, ʃ, ʒ], the voiceless stops [p, t, k], and the voiced stops [b, d, g].Thosepatterning case emergedmostlyduetothe difference in the existence of consonant sounds and rules of consonant distribution. Besides, one of the cases was caused by the difference in consonant clusters between L1 and L2.

39 CFR 233.5 - Requesting financial records from a financial institution.

Science.gov (United States)

2010-07-01

... INSPECTION SERVICE AUTHORITY § 233.5 Requesting financial records from a financial institution. (a... Department of the U.S. Postal Service to request financial records from a financial institution pursuant to... authorized to request financial records of any customer from a financial institution pursuant to a formal...

Opponent Coding of Sound Location (Azimuth) in Planum Temporale is Robust to Sound-Level Variations.

Science.gov (United States)

Derey, Kiki; Valente, Giancarlo; de Gelder, Beatrice; Formisano, Elia

2016-01-01

Coding of sound location in auditory cortex (AC) is only partially understood. Recent electrophysiological research suggests that neurons in mammalian auditory cortex are characterized by broad spatial tuning and a preference for the contralateral hemifield, that is, a nonuniform sampling of sound azimuth. Additionally, spatial selectivity decreases with increasing sound intensity. To accommodate these findings, it has been proposed that sound location is encoded by the integrated activity of neuronal populations with opposite hemifield tuning ("opponent channel model"). In this study, we investigated the validity of such a model in human AC with functional magnetic resonance imaging (fMRI) and a phase-encoding paradigm employing binaural stimuli recorded individually for each participant. In all subjects, we observed preferential fMRI responses to contralateral azimuth positions. Additionally, in most AC locations, spatial tuning was broad and not level invariant. We derived an opponent channel model of the fMRI responses by subtracting the activity of contralaterally tuned regions in bilateral planum temporale. This resulted in accurate decoding of sound azimuth location, which was unaffected by changes in sound level. Our data thus support opponent channel coding as a neural mechanism for representing acoustic azimuth in human AC. © The Author 2015. Published by Oxford University Press.

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.

Breaking the Sound Barrier

Science.gov (United States)

Brown, Tom; Boehringer, Kim

2007-01-01

Students in a fourth-grade class participated in a series of dynamic sound learning centers followed by a dramatic capstone event--an exploration of the amazing Trashcan Whoosh Waves. It's a notoriously difficult subject to teach, but this hands-on, exploratory approach ignited student interest in sound, promoted language acquisition, and built…

Sound therapies for tinnitus management.

Science.gov (United States)

Jastreboff, Margaret M

2007-01-01

Many people with bothersome (suffering) tinnitus notice that their tinnitus changes in different acoustical surroundings, it is more intrusive in silence and less profound in the sound enriched environments. This observation led to the development of treatment methods for tinnitus utilizing sound. Many of these methods are still under investigation in respect to their specific protocol and effectiveness and only some have been objectively evaluated in clinical trials. This chapter will review therapies for tinnitus using sound stimulation.

Fundamentals of financial statement analysis for academic physician managers.

Science.gov (United States)

Danzi, J T; Boom, M L

1998-04-01

Academic medical centers (i.e., teaching hospitals) and academic medical practices are under pressure to control costs to compete with for-profit health care institutions. The authors explain how academic physician managers who want to control costs wisely must first understand the cost structure of the medical center or practice and compare that structure with those of for-profit institutions. Doing this requires a firm understanding of how to use a valuable tool, financial statement analysis, to assess an institution's health and performance. Such analysis consists of calculating a variety of financial ratios (e.g., operating income divided by revenues; net income divided by total assets) and then comparing them with the corresponding ratios that are considered industry norms. Three types of financial statements (defined in detail) lend themselves to this approach: the balance sheet, income statement, and statement of cash flows. The authors define standard financial ratios, point out their uses and limitations, and emphasize that a ratio's meaning derives from comparing it with the corresponding benchmark ratio in the industry as a whole. Ratios should be used not as the end point of assessing financial status, but as ways to identify possible problems that require further investigation. Analysis of trends of ratios over time within an institution is a complementary approach. The authors then discuss the use of ratios in three standard types of institutional evaluation: of performance, of liquidity and leverage, and of strategic planning. In addition, they present the financial statement of a fictitious academic medical center as an example of how to use ratios for financial statement analysis. The authors emphasize that the key to using the ratios they discuss and hundreds of others is first to decide what question needs answering and then to choose the relevant ratios to provide a basis for finding the answer.

Numerical Model on Sound-Solid Coupling in Human Ear and Study on Sound Pressure of Tympanic Membrane

Directory of Open Access Journals (Sweden)

Yao Wen-juan

2011-01-01

Full Text Available Establishment of three-dimensional finite-element model of the whole auditory system includes external ear, middle ear, and inner ear. The sound-solid-liquid coupling frequency response analysis of the model was carried out. The correctness of the FE model was verified by comparing the vibration modes of tympanic membrane and stapes footplate with the experimental data. According to calculation results of the model, we make use of the least squares method to fit out the distribution of sound pressure of external auditory canal and obtain the sound pressure function on the tympanic membrane which varies with frequency. Using the sound pressure function, the pressure distribution on the tympanic membrane can be directly derived from the sound pressure at the external auditory canal opening. The sound pressure function can make the boundary conditions of the middle ear structure more accurate in the mechanical research and improve the previous boundary treatment which only applied uniform pressure acting to the tympanic membrane.

Sounds in one-dimensional superfluid helium

International Nuclear Information System (INIS)

Um, C.I.; Kahng, W.H.; Whang, E.H.; Hong, S.K.; Oh, H.G.; George, T.F.

1989-01-01

The temperature variations of first-, second-, and third-sound velocity and attenuation coefficients in one-dimensional superfluid helium are evaluated explicitly for very low temperatures and frequencies (ω/sub s/tau 2 , and the ratio of second sound to first sound becomes unity as the temperature decreases to absolute zero

Conditioned sounds enhance visual processing.

Directory of Open Access Journals (Sweden)

Fabrizio Leo

Full Text Available This psychophysics study investigated whether prior auditory conditioning influences how a sound interacts with visual perception. In the conditioning phase, subjects were presented with three pure tones ( =  conditioned stimuli, CS that were paired with positive, negative or neutral unconditioned stimuli. As unconditioned reinforcers we employed pictures (highly pleasant, unpleasant and neutral or monetary outcomes (+50 euro cents, -50 cents, 0 cents. In the subsequent visual selective attention paradigm, subjects were presented with near-threshold Gabors displayed in their left or right hemifield. Critically, the Gabors were presented in synchrony with one of the conditioned sounds. Subjects discriminated whether the Gabors were presented in their left or right hemifields. Participants determined the location more accurately when the Gabors were presented in synchrony with positive relative to neutral sounds irrespective of reinforcer type. Thus, previously rewarded relative to neutral sounds increased the bottom-up salience of the visual Gabors. Our results are the first demonstration that prior auditory conditioning is a potent mechanism to modulate the effect of sounds on visual perception.

Robust segmentation and retrieval of environmental sounds

Science.gov (United States)

Wichern, Gordon

The proliferation of mobile computing has provided much of the world with the ability to record any sound of interest, or possibly every sound heard in a lifetime. The technology to continuously record the auditory world has applications in surveillance, biological monitoring of non-human animal sounds, and urban planning. Unfortunately, the ability to record anything has led to an audio data deluge, where there are more recordings than time to listen. Thus, access to these archives depends on efficient techniques for segmentation (determining where sound events begin and end), indexing (storing sufficient information with each event to distinguish it from other events), and retrieval (searching for and finding desired events). While many such techniques have been developed for speech and music sounds, the environmental and natural sounds that compose the majority of our aural world are often overlooked. The process of analyzing audio signals typically begins with the process of acoustic feature extraction where a frame of raw audio (e.g., 50 milliseconds) is converted into a feature vector summarizing the audio content. In this dissertation, a dynamic Bayesian network (DBN) is used to monitor changes in acoustic features in order to determine the segmentation of continuously recorded audio signals. Experiments demonstrate effective segmentation performance on test sets of environmental sounds recorded in both indoor and outdoor environments. Once segmented, every sound event is indexed with a probabilistic model, summarizing the evolution of acoustic features over the course of the event. Indexed sound events are then retrieved from the database using different query modalities. Two important query types are sound queries (query-by-example) and semantic queries (query-by-text). By treating each sound event and semantic concept in the database as a node in an undirected graph, a hybrid (content/semantic) network structure is developed. This hybrid network can

THE ROLE OF FINANCIAL EDUCATION IN DEVELOPING THE FINANCIAL SERVICES MARKET

OpenAIRE

Ivanka Daneva

2015-01-01

Considering the current complexity of financial markets and of financial instruments and services, financial education is part of population’s financial literacy and it ranks as paramount factor in the complex for the financial markets development.

Sound-Symbolism Boosts Novel Word Learning

Science.gov (United States)

Lockwood, Gwilym; Dingemanse, Mark; Hagoort, Peter

2016-01-01

The existence of sound-symbolism (or a non-arbitrary link between form and meaning) is well-attested. However, sound-symbolism has mostly been investigated with nonwords in forced choice tasks, neither of which are representative of natural language. This study uses ideophones, which are naturally occurring sound-symbolic words that depict sensory…

Second sound tracking system

Science.gov (United States)

Yang, Jihee; Ihas, Gary G.; Ekdahl, Dan

2017-10-01

It is common that a physical system resonates at a particular frequency, whose frequency depends on physical parameters which may change in time. Often, one would like to automatically track this signal as the frequency changes, measuring, for example, its amplitude. In scientific research, one would also like to utilize the standard methods, such as lock-in amplifiers, to improve the signal to noise ratio. We present a complete He ii second sound system that uses positive feedback to generate a sinusoidal signal of constant amplitude via automatic gain control. This signal is used to produce temperature/entropy waves (second sound) in superfluid helium-4 (He ii). A lock-in amplifier limits the oscillation to a desirable frequency and demodulates the received sound signal. Using this tracking system, a second sound signal probed turbulent decay in He ii. We present results showing that the tracking system is more reliable than those of a conventional fixed frequency method; there is less correlation with temperature (frequency) fluctuation when the tracking system is used.

Underwater Sound Propagation from Marine Pile Driving.

Science.gov (United States)

Reyff, James A

2016-01-01

Pile driving occurs in a variety of nearshore environments that typically have very shallow-water depths. The propagation of pile-driving sound in water is complex, where sound is directly radiated from the pile as well as through the ground substrate. Piles driven in the ground near water bodies can produce considerable underwater sound energy. This paper presents examples of sound propagation through shallow-water environments. Some of these examples illustrate the substantial variation in sound amplitude over time that can be critical to understand when computing an acoustic-based safety zone for aquatic species.

Do Catalan private hospitals enjoy financial health?

Directory of Open Access Journals (Sweden)

Judit Creixans Tenas

2016-02-01

Full Text Available Purpose: The present study reflects the economic and financial analysis of  private hospitals with non-charitable character in Catalonia 2008-2013. The private health sector is considered to be a service activity that develops an important social role. The study positions these analysed centers in the Catalan and Spanish health sector and presents the main economic and financial indicators to diagnose the situation of these companies during the period indicated by analysing short and long-term results and analysis of changes in equity and cash flows of the wineries. Design/methodology/approach: The data used comes from the statements of the Catalan hospital centers in the period 2008-2013 and in particular, it contains a sample of 94 Catalan private hospitals, that mostly are considered large-level accounting (according to the General Accounting Plan. The economic and financial  analysis has carried out using descriptive statistics and analysis results and conclusions have been reached. Findings: The study noted that enables private hospitals in this period have a healthy economic and financial status, although it should improve the management of assets. Most sales are concentrated with a small number of hospitals and, regarding the evolution of the results, produces two distinct stages, the first period of decrease (2008-2010 and the second period of growth and recovery from 2011.. Research limitations/implications: It would be desirable to perform the same study by the Spanish private hospitals in order to compare the economic and financial analysis of the Catalan private sector with the Spanish private sector. Practical implications: It allows us to assess the projection of this sector in recent years in Catalonia in order to take the appropriate economic decisions in this regard. Social implications: The results show the changes that have occurred over the years in the economic crisis of the period analysed. Originality / value: For